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    • The summary is that I collected my van after it was towed, drove it 20 metres and saw a panel come loose, I went inside to report it and immediately emailed them, they have since refused the claim as I had already collected the vehicle.   The story:   - Van towed - Van collected, signed out 12:00 - Van appeared visually to have no new damage, was not allowed to drive it until paperwork signed - Upon driving it a plastic exterior panel came loose (this appears to be from when it was craned onto of truck) - I stopped the vehicle 12:03 and walked into their office to report damage - I emailed photos to head office 12:08 - NSL initially claimed they examined photos and damage was pre-existing - I requested CCTV footage of my visit under Data Protection Act. I provided them a copy of my ID, photo, description of clothing as well as letting them know I was the only member of public/customer on-site for the duration of my visit - CCTV footage denied on basis I "was not recognisable" after they reviewed footage - Initially refused to provide any photos of vehicle - Finally produced 0.3 megapixel images, much too low resolution to see anything, but certainly confirming their claim the damage was pre-existing is false - Refuse to provide original full resolution images despite multiple requests - Latest excuse I was gone 15 minutes and could have caused the damage during this time. Clearly a false assertion given I emailed them within 8 minutes and was in their office within 3 minutes of leaving. - I feel by refusing to provide CCTV footage and full resolution photos they are obstructing my ability to prove they caused the damage   The damaged panel tore off at 30mph while trying to go to have it looked at, luckily no other vehicle was damaged, in hindsight I should have driven with the panel being damaged. But this proves the damage is very unlikely to have been pre-existing as the van couldn't be driven.   So I intend to pursue through the small claims court. My questions are:   - I can't afford to fix the van right now and as it is cosmetic, I can still use it without fixing the panel. Can I get a quote from Renault and claim on MCOL for the value of the repair? - Although I was gone only 3 minutes and drove 50 metres from NSL yard directly to NSL office, I did still take the vehicle before reporting the damage, this was due to the panel being pushed into place (but not secured) and therefore not visible until the vehicle was moved. Will this work against me when making a claim? - Does their repeated lying (first claiming it was pre-existing, then falsely claiming I was gone 15 minutes and could have caused the damage then) work against them? - Does withholding CCTV where I was the only non-high vis person on-site on the basis I was not "identifiable" work against them (clearly I was identifiable, I was the guy without high vis on) - Does failure to produce any original images, just very compressed images of the van before and after towing, work against them?   How strong a case do people think I may have?   I have exhausted their complaints process.   Thanks in advance for any thoughts on this.
    • I have recently managed to get rid of some historical debt as it became statute barred and thought I had gotten rid of old debt. However, I have received a letter from a firm of Solicitors chasing the recovery of fees for a timeshare we bought in 2010 privately from the previous owner. We have visited it once and paid fees once in 2011. I have not communicated with them or paid anything since 2011   As far as I am aware, I haven't received any communication from the Timeshare company or the representatives for probably 5 or 6 years. The total debt is £3670.    Is this type of debt subject to the same rules as any other debt, i.e. a default has to be issued 3 months after last payment becomes overdue and can it be statute barred or am I going to have to pay it as it is timeshare rather than a traditional debt. I still have the timeshare but am now actively looking to get rid of it.   Thank you. 
    • Today I got a refund of £25 from Packlink. I have also submitted a claim form with Hermes, as you suggested.   It pays to be tenacious.   Thanks for your advice.
    • Hello there,   My wife (62) has advanced arthritis on both hands and wrists (inherited from her mother's side of the family).   She left her job as a youth carer in January of this year because amongst other issues with her inability to work they pushed her into office and admin. However, with her arthritis, writing or using computers became impossible. As nearly all jobs available requires some use of hands, which she is unable to do, what benefits would be available to her. Does my wife qualify for anything?   Other info. She does have arthritis in all areas of her body, but for example she is able to walk reasonable distances, sit down comfortably for reasonable lengths of time, etc. She also suffers from psoriasis (which may have played a part in her condition).   A friend of hers owns a wine bar and offered her a job (not too taxing) but it required her to carry wine bottles and glass which was OK-ish for the first 60 mins but then became impossible for her to do.   Any help or advice greatly appreciated.   cheers sidley
    • I think it will be very helpful to let people know more detail about these debts. Who is the original creditor? How much was the debt for? When was the debt incurred? When did you last make any payment or acknowledgement of the debt
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Is this debt statute barred?

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I'll try and keep this as short as possible, in the hope that it won't send anyone to sleep! :lol:

 

From the age of 18, I had various forms of credit, without any problems, and as the years went on I ended up with a couple of credit cards, a store card, car finance etc etc. Anyway, about 11 years ago, it all went horribly wrong, and following the collapse of my business and two quickly consecutive bereavements, I had a nervous breakdown.

 

Despite intervention from those that were caring for me at the time (including copies of medical certificates as proof), none of the PPI that I had been paying covered me, as I was suffering from "mental illness" and that was not covered. This essentially meant that I now had a pack of wolves baying for their money back, and lobbing CCJ's my way whenever they could.

 

As my health improved, I decided that a complete fresh start was in order, and headed south to London (I originate in Scotland) - however, for a considerable amount of time, I basically ignored a lot of the debt. One or two of the lenders treated me with a tad more respect than others, which led me to settle those debts first, and the bulk of what I owed was paid back a few years ago.

 

One debt in particular, I hadn't heard much of, until a couple of years ago when I got a letter from a collection company - and since then I have had the odd letter from a couple of different companies (the last one being Aktiv Capita), none of which I have acknowledged. At the end of last week, I received a letter from yet another different collection company, stating that they were sending a collection agent to my door within the next ten days.

 

I am not too fussed to be honest, as more often than not I am out at work - I'm sure the dog will deter them from doing anything silly ;) - however, I was wondering if the debt (which is for about £3700 for a storecard/fuel card) would be statute barred by now? I know for sure that I have not acknowledged the debt for at least eight years.

 

Assuming that it is statute barred, will them sending me letters still be battering my credit rating (all agreements since my illness have been conducted without default, albeit with the likes of Welcome Finance)?

 

Thanks in advance.

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If you have not acknowledged or paid into the account for 6 years (5 YEars scotland) then it's statute barred.

 

Do you know where you stand re ccjs?

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If you have not acknowledged or paid into the account for 6 years (5 YEars scotland) then it's statute barred.

 

Do you know where you stand re ccjs?

 

Somewhat embarrassingly, no I don't - but as a rough recollection it must be around 7 or 8 years since I last was issued one (don't think I settled any of them to be honest) - do they live longer than a debt on its own?

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CCJs won't just dropp off your history and disappear. You can have them set aside, have a read around the forum, and the creditor would have to explain why they haven't been enforced for so long.- I think:)

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Im not a debt expert but the way that I understand it is that if you have a CCJ then they have to go back to the court to collect on a statute barred debt and they must have a very good reason for the lenght of time that has passed between the CCJ being issued and them attempting to collect it.


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and they will drop of your credit file after 6 years


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as ida says it will drop off your CF after 6 years.

and it is also removed from central court files.

 

If the OC deicided to take it back to court after 6 yrs,they have not only to have a good reason but also needed to retain the original court details.;)

 

If it's sold on to DCA they can only obtain permission from the court up to 6 calendar months from purchase date if the debt is over 6 years.

and 12 calendar months if under 6 years.

the also need to produce the court paperwork.

 

absolute cut off period for permission is 10 years.

 

SAM


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Hi Sam

 

absolute cut off period for permission is 10 years.

 

Permisson for what?

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permission to enforce/collect on CCJ.


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Thanks for the info:) - oddly enough, I don't think that I have ever had a CCJ in relation to this particular debt, but I will have to get myself sorted with a credit report to find out for sure (thanks for the link kurvaface).

 

Just to clarify, do the CCJ's also drop off the credit file after six years, or will they stay on there forever until they are satisfied or set aside?

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Just to clarify, do the CCJ's also drop off the credit file after six years
Yes

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They dropp off the file after 6 years.

 

Good luck with this and any questions - you know where to come:)

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That is very good news, because I am certain that it has been more than 6 years since I have either acknowledged the remaining few debts, or received any CCJ (or any attempt to collect a CCJ).

 

Hopefully that will mean that once my current loan ends in 16 months time (no defaults, and one payment two days late thanks to a cock up at my bank), then I can perhaps start to rebuild something of a credit rating. Not that I will ever want to have much credit in the future, but it would be nice to be able to buy a car without paying over the odds for interest, or perhaps even look toward getting a mortgage before I am too old.

 

Thanks again for the help :)

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