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    • are you actually going to benefit out of this at all?   I was slightly getting confused here earlier, and forgot you said you are the claimant because you are suing the defendant for the cost of a hire car that you personally haven't had to pay for ?    
    • I received PCN's from TFL and Southwark. 08/06/19   I spoke with Southwark regarding PCN's and thought it was sorted.   Didn't hear anything back until 17/01/20 when my car was taken by Marston EA.   TFL & Marston say they sent letters but have no proof.   I emailed TFL (19th June) through their online portal and again, via email on (14th Nov 2019) < the email on 14th has been viewed 17 times but no reply.   (so I have proof of contact, they don't) I asked them if they send via recoded delivery/signed for but they do not.   When my car was taken, I received a call from a friend saying it's on the back of a truck, outside his house (which is round the block from mine).   I ran round there and the EA was aggressive, shouted at me and refused to show ID/why he had taken my car.   I complained to Marston who denied it but sent me some of the footage.   I complained again through resolver.co.uk and Marston lied again.   Then I sent ALL my info and evidence etc.   They then took a few weeks and called me saying sorry and taking full responsibly for their EA's aggressive behaviour etc.   TFL are still refusing to comment.   Marston offered me £250 as a goodwill payment but obviously the pain and trauma causes - that doesn't cover it.   The police were called when they took my car cause I was so distressed and having a panic attack etc.   I've requested the phone call recording where they accepted guilt and that they had handled everything badly, including lying about the video on Resovler.   I feel like Marston know they've done wrong, but TFL still aren't in the know. (to my knowledge)   Also, I requested info from TFL via whatdotheyknow.com and TFL did a data protection breach by uploading my full details including address etc. to a public forum (and I didn't even ask anything specific about my case) so I feel like they did this out of spite/anger.   the www.whatdotheyknow.com team reprimanded them for this and advised me to complain.   I also paid £800+ to retrieve my vehicle and I have completed the OOT which was denied. I tried to take it to court but when I tried to do the 'low income' thing but they wanted bank statements which I couldn't get... then corona happened.   I've downloaded/uploaded the ZIP file from Resolver convos.   Basically; regarding the footage: my initial message to them, I made myself seem unaware and 'stupid' so they wrote a generic reply telling me that 'the footage is fine and the EA did nothing wrong' so they can't uphold my complaint, then once they sent that; I sent them the CIVEA rulebook and timestamps in the video to show that they were in the wrong and had further lied in their official response (which must be illegal) so when they received the in-depth response, I think they got scared, went away for a couple weeks and tried to get the nice sounding woman to call me up, say sorry and be really nice then offer me a measly £250. She also tried to rush me into agreeing.   
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DVF1610

The Lewis Group / CL Finance - currently paying old debt not on CRA report

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Hello

 

I wonder if anyone can advise on this?

 

I am currently paying £65 per month to The Lewis Group as part of a repayment plan. I believe that this may have been for a very old loan (circa 2002) for Black Horse Finance which I defaulted on and was passed to debt collectors. It no longer shows on my CRA report but when they contacted my a couple of years ago they were quite abrupt and as I wasn't as clued up on these matters as I am now I agreed to set up the repayment plan. I therefore assume that as I have acknowledged the debt by paying it I have no choice but to continue until it is settled and can't go down the statute barred route? (I think it *may* have been registered as a CCJ years ago but as I say with it being so old this is no longer on my CRA and I don't even know if it would still be enforceable?!)

 

I have almost continually paid the monthly installments as below, and on the couple of occasions that I have missed a payment I have reset up the agreement for the following month. I have not spoken to this company for nearly a year now, so my memory of what they explained is vague, including the balance to be paid, but as this is the last outstanding debt I have I am now focussing my attention on getting it sorted. I have tried to contact them today for info but they are closed for holidays so I will be contacting them for a balance and to request a statement when they re-open on Thursday 2nd Jan.

 

In the mean time my questions to you are...

 

a) should I still be paying this?

b) is the CCJ (if it was actually a CCJ in the first place!) still relevant? (it is definitely over 6 years ago if it was a CCJ as nothing is registered against me on my CRA)

c) what would be the potential repercussions of ceasing payment (i.e just cancelling DD)?

d) could they register a new default against me or in any way impact on my credit file?

 

Any advice would be much appreciated! I understand I must sound silly for not having all of the information to hand surrounding the debt but as it is so old I just accepted that it needed to be paid and never questioned it or noticed the DD coming out of my account each month.

 

Thank you in advance!

 

(details of payments made are as below....)

 

May 2012 - July 2012 = £50

missed August

September 2012 - November 2012 = £65

missed December

January 2013 = £76.62

February 2013 - present = £65

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Quite simply... Send them a CCA request... See if they have the paperwork.

Also if there WAS a CCJ then they would have set out the payments based upon what you can afford.

 

Personally... IF you set up the payment of £65 a month then it would smell like there wouldnt have been a CCJ.

 

as for another default? No... They cant do that as the default date is over 6 years, its vanished from your Credit File.

 

Send them the £1 CCA and see what happens. Post up the paperwork and we can help. If they dont have the paperwork then cancel the DD

If they do then sadly you will have to pay until its cleared as the SB clock will have been reset.

 

Personally? I hope that you havent been cashcowed but i also hope that if they do have the paperwork, you are in quite a strong position with them


 

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You should stop paying immediately and send the CCA request as mentioned.

 

It may also benefit you to send the SAR to the Original creditor. It sounds like you have been completely fleeced.

 

Was there any 6 year period that no payment was made?

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Thank you all for such a quick response!!

 

I will request both CCA and SAR when they return to work and post their response for further advice.

 

letsgetitsorted - I no longer have account numbers or paperwork relating to this debt (hence the situation i'm in with not knowing what I should be paying) but hopefully when I receive the above reports they may contain the info I need to pursue a PPI claim as I vaguely remember (10 yrs + ago) being told my application would have more chance of being accepted if I had protection!!

 

Thanks again everyone. I'll keep the DD going this month to cover myself but hopefully by the end of Feb I could be sorted! :)

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I sent a SAR to Lloyds and I didn't have any account numbers so I just asked for all information that they held on me.

 

That came back with almost 5 reams of paper. It included statements, CC info and a loan I'd forgotten.

 

Give it a try. I sent it to the address in Andover

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