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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Lost car keys (no spare!)


stjuninho
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Bollox!

 

Lost my keys, including car keys, and never had a spare for this car. 4 days and not been handed in yet. Causing big probs getting to work, andrather strapped for cash at moment (+ bloody car is 20,000 miles past cam belt threshold!)

 

Now thinking car locksmith and dreading to think what this is gonna cost.

 

Anyone know likely price for new locks/keys? Clio 5 door, W Reg, Thatcham Cat 1 immob / alarm system (according to sticker on window). WIll get some quotes, but wondered about ballpark figure

 

Also, I presume there's no other route, like car insurance - I presume they are normally excluded.

 

Very grateful for any thoughts. Yes, I wish I'd got a copy made when I had the bloody chance!

 

St Juninho

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I am guessing you dont have key cover as an extra on your car or home insurance ?

 

no idea on the cost of reprogramming bud, I would guess though could poss be a dealer job ? Im sure others will confirm or correct me

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Last time I had to get a key replaced for an Astra it cost me £63 for the key and another £23 to get it "reprogrammed". I would imagine these type of keys on modern cars are all about the same cost. They will need your "key code" which will have been part of your information pack (along with your radio code) and from this they can order the matching key. The "coding" then has to be done on the car to pair it up to your alarm system.

 

If you don't have your key code, then they should be able to get this from the manufacturer based on your VIN number (for another fee again, usually about £25 I think)

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There are locksmiths that should be able to get you into the car OK if that is where you think the key code is. Speak to your dealer, I am sure they have dealt with people being locked out of their cars before

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Yes, I wish I'd got a copy made when I had the bloody chance!

 

St Juninho

 

btw, you can't get "copies" made of modern keys in the sense I guess you are thinking of. i.e. taking the existing key to the cobblers and get a copy cut on their lathe like we do for front door house keys.

 

The way we have described getting this key replaced is just the same whether you still had the original or not. (although if you'd done it then, you would only have had to nip home to get the spare) :)

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Bear in mind it will depend on the car... BMWs dealers for example do not have access to the key thing, and replacement keys have to be sent for and made in Germany... with the associated cost you can imagine. :-(

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  • 1 month later...

i know how you feel i list my car keys for my vw pasat dealers wanted £160 so i managed to get a brand new one off ebay for a quarter of the price. lucky me hey they chap who sold me the key also sent me a link to his website so if you ever do lose your keys you can try him at less than half the price

 

Car Keys & Remotes

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  • 3 months later...

Try getting a key from the dealer and then getting a locksmith to program it.

 

Not sure if all cars are the same but I did this with my Vauxhall Astra and used a local auto locky to come out and program as i couldn't drive it to the dealer. These guys offer a lost car keys service to London. You might even be able to find a replacement fob from ebay to save more money

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