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    • Hi Ade,   Stop speaking to them by phone and keep contact in writing only, which you've said you prefer.   Send TT a SAR by post immediately. The data you get back should enable you to see what they think you owe, and how it's made up.   Also write to BW Legal confirming you dispute the alleged debt owed to TT and have written to TT seeking data, so BWL must stop demands until TT have replied to the SAR you've sent them.
    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Roxburghe/HFO old barclaycard debt


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Did you actually send that as Coledog advised?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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You still also need to find out when the last payment was made to the account. Although it was defaulted in 2007, the last payment may have been well before this. You need to find out if there was a clear six year gap before you made another payment.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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You still also need to find out when the last payment was made to the account. Although it was defaulted in 2007, the last payment may have been well before this. You need to find out if there was a clear six year gap before you made another payment.

 

It's earlier in the thread DB, Noro you need to get that info in writing RE default date and last payment

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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yeah the last payment was above ^ do I resend off the CCA letter? I didn't send the account in default letter as coledog suggested, should I send that now or start with a CCA to Turnbull Rotherford?

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It's earlier in the thread DB, Noro you need to get that info in writing RE default date and last payment

 

How do I get it in writing? Would Barclaycard supply this? They werent so forthcoming when I came into the branch.

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Yes, send account in dispute letter only.

 

Did you send original CCA request recorded?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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yeah i think I did? it was june now I look back on it. If I didn't should I send again? I send a SAE as well

 

No, just send the account in dispute letter. Make clear that you sent your original request recorded and have proof of delivery, so they can't wriggle out.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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Hang on... what do you mean, if you didn't? Did you or didn't you (a) send account in dispute letter and (b) did you send the original CCA request recorded?

 

Please try and be precise in your responses!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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I can't remember unfortunately if I did send the letter recorded back in June.

 

I definitely enclosed the postal order, I have just reprinted it off. One copy for HFO and one copy for Turnbull Rutherford (a front for HFO?)

 

Also the link above to the "account in dispute" letter isn't working, could you possibly relink? Thanks in advance.

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Hi Noro,

 

Have I missed something - if the last payment to the a/c was made in 2006, isn't the a/c now Statute Barred. :???:

 

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Last payment 7/3/2006

 

This makes it Stat Barred if you are sure of this date

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I've received 3 or 4. Unfortunately I binned 2. One of them was saying they had the debt now not HFO. The latest one is saying about.ignoring previous letters and that they will do all they possible they can to recover the debt. It also talks about OFT regulations and has a couple of quotes. They are addressed from a Mr Lee Cookman. I can probably get a photo of a couple and upload them if requested.

 

I made payments to hfo from - I think - May/June 2012 to December 2012. After that is when roxburghe got involved. I don't think the payments show on my cra file as its still showing the same balance, so I too suspect the payments just went to line HFOs pockets.

 

I will ring Barclaycard on my lunch today at work. See what info they can give me.

 

If you made these payment them it won't be stat barred.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Yes - you need to check when any payments have been made. Do not worry, help is at hand. If you can scan and copy any correspondence with personal details removed that would be really useful - I assume that OFT are still investigating these bandits and legs to stand on comes into play here!

Edited by coledog

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Evening all! By the way..

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If payment was made in March 2006 and nothing further was paid until May 2012, then the debt would have been Statute Barred.

 

Once that happened, the SB clock is surely not reset. Once the debt became SB'd, any subsequent payment cannot make the debt current again and it remains permanently SB'd.

 

:wink:

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Alas, the payment was 2011, not 2012. Had to re-read to work it out! Not SB, but in default of a CCA request (which the OP may not have sent recorded after all...).

 

Whatever, time to send another CCA request recorded delivery. Now!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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We could do with some help from you

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Confusing, isn't it?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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sorry for all the confusing comments guys.

 

Anyway I have sent off 2 CCA requests today,with the £1 postal order, recorded post to HFO and the so called "Turnbull Rotherford" - who I assume are another arm of the HFO blaggard robot. Is it 12 days I was for a reply?

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2 working days for delivery and then 12 normal days for the reponse.

 

:wink:

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  • 1 month later...

Hi guys, I got a response. Finally.

 

Its a letter from Turnbull Rutherford, they have given me a "reconstituted agreement" as requested by me... is that what I requested?

 

It looks like a letter from barclaycard, dated 24th January 2013. Just a one paged letter, giving a statement of the account, and then 2 pages of T&C's.

 

Does this make sense to anyone?

 

They have also offered me a settlement of £150 to be cleared by... surprise, tomorrow. Even though I got the letter today.

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No - you requested a copy of a true agreement. Recons are not that, and what you have received is not actually a 'recon'. Are you able to scan it with personal details removed?

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discount letter = ignore them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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