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    • Hi all,   I am being chased by a debt collection agency or monies owed to an motor insurance broker. I took out the policy 4 years ago and after 3 months the insurance company cancelled my policy without any explanation. At the time I was told no monies were owed, then I received letters I owed in excess of £130. I ignored the letters and 4 years later this debt collection agency has contacted me to collect the monies.   If I paid the balance outstanding via the debt collectors portal, can they chase me again for any additional money in the future? Also can the debt collection agency leave negative mark on my credit file? At the moment there is nothing on my credit file. 
    • I haven't seen any legislation pertaining this, however because I have been looking at the consumer issues that may be why. He has now had the final letter before action letter and read it several times, however in his first response on my second 14 day limit letter he raised the issue that his health isn't good at the moment, which I believe is another fallacy, cars are still being sold and added to his page on autotrader.    If you could point me to the legislation you are reffering to then that would be most helpful and welcome.   TS have seen the invoice, and passed this on to his local TS.
    • it is not the only way to proceed and IMHO the wrong claim to raise, should you wish to raise one in an english court   if you really do want to raise the claim under consumer rights issues, i suggest you have a chat with TS again first and ask them if this is a good idea?   the pre contract info doesn't exist nor is applicable because you nor he ever entered into any contract covered by any consumer rights. he illegally sold you, a member of joe public, a car using a strictly traders only method.   i would hope TS point out the above and p'haps suggest you raise a different claim possibly encompassing this mis-sale and that you had no knowledge what he had ultimately done is illegal, nor that you ever agreed to do it anyway, as you now realise as a member of joe public, not a trader, you couldn't. you might even find TS will help, support and be involved with you in court regarding this too.   as it stands with cards on the table, he is under no obligation to pay for collection of the vehicle, you don't want to risk returning the car and never getting your moneyback - it's a stalemate where he is smiling still until you raise the correct claim.   although you have issued , 2 is it now, court warnings, it might be better to finally issue one correctly stating what you are going to do, then he might realise the penny has finally dropped and the game is up. there would be no harm in stating that to avoid such actions, should you pay me back by bank transfer the sum of the car and my initial transportation cost of xxxx, making £xxx in total by xxxxx date, i will not raise the claim.   The situation would then be far more serious for him and he might capitulate, inc refunding transportation costs, in the want of not being exposed in court, as there are numerous well publicised court cases whereby by traders have been hammered hard for pulling doing this scam on joe public.   another advantage of doing the above claim is you might get to keep the car for free, get all your moneyback.            
    • Hey guys came across this site today wow how great is this anyway.  here is my story    Car found on autotrader  £1800 merc  mot  vgc blah blah and stated had recon / gearbox fitted  / spoke to the garage selling the car and asked if they would take my faulty bmw in px it had issues which were explained to the garage  he said £900 cash and my car ok deal done    i drove to manchester in my car the owner was all chat and praise for the car he was selling and told me how it dropped its oil from the gearbox and how they fitted a new gear box so i thought ok im all good to go  deal done drove home    its now 3 weeks later and the transmission has failed  green flag recovery   i tell the garage this morning after looking into my rights and explained the situation   the person i spoke was trying to say its was his dads car and tuff luck buddy we aint helping u and telling me about the problems he fixed on my old car rather than help me with the current problem    the call ended as was in mid speak when he just hung up on me i text to explain thats no way to treat a customer    i have now written the standard letter as i found a template elsewhere  giving them 14 days to respond    I would like a little help with a follow up letter or my route to action after 14 days  as i dont think ill be getting a reply from them  regards patrick     
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Father-in-Law Caught by Scammer?

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My F-i-L is 73 and owns a 10 year old'ish Ford Fiesta . .

. one evening whilst taking his lady partner home he came across some road works with an 'alleged' STOP / GO system in place . .



. once the GO had been shown he started to move off

only for a bloke wearing a hi viz jacket to appear and shout at him for starting to move off . .

. he wound down the window to ask what the problem was and was told he had gone through on STOP . .



. my F-i-L maybe 73 but he is extremely intelligent as an ex-university lecturer and knows he did not go through on STOP add to that he doesn't sometimes reach the speed limit! . .

. however to keep the peace he apologised and waited for the man to wave him on .

. . which he did . .



. only to instantly turn around and slam his hand onto the car's bonnet and shout that he had driven into him . .

. the result of these shinanigins is now a civil claim against my F-i-Law's Insurance Company . .



. the police interviewed my F-i-L and agreed there would be no further contact by them .

. . although the Insurance Company have assigned an investigator to look into it,



I'm a tad apprehensive for my F-i-L as he's burying his head in the sand and letting the insurance guys do the digging . .

. this is where CAG comes in!!!



anyone else know of this type of [problem] in the Rochdale area?

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Hi stu


Were the Road Works genuine?


Sounds like they are trying it on, your FI-L wrong time, wrong place.

Edited by rebel11
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yeah as soon as i heard about it i knew it was a [problem], unfortunately he's now refusing to discuss it with us . . . more head burying . . . my wife's trying to find out the info, name, location etc so we can hopefully post a bit more info that people may be able to comment on . . . or at least warn others of what's going on out there . . .

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Are you ringing the council to confirm that the workers had legitimate business carrying out road works and the council were aware of the work?


Also which ever firm they work for, put in an official complaint?,


Maybe even threaten to counter sue.


A shot in the dark - any camera's?


Your FI-L was probably targeted, because of his age, the first contact was probably to establish if he would make a suitable target.


Also they needs to be quite a bit of proof, word of mouth isn't enough. Don't forget there are quite a few motoring organisations

you can contact to seek their opinion.

Edited by rebel11
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good points . . . as soon as i find out the location i will follow up on that as i'm sure the company/council have a responsibility for due care for the site, although it's a thoroughfare they are still responsible i guess . . .

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Don't forget to update us, another thought, if there are houses near by maybe, someone might have noticed any strange behaviour, no doubt they may of tried it before

on that day.

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that's an interesting point i didn't know, however it's the [EDIT] in the hi viz vest which is the issue, not the fact my F-i-L allegedly went through on STOP etc . . . but a good point

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