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    • Looking for a bit of advice on an possible malicious or fraudulent claim.   I received a letter today from my insurance company regarding an alleged incident three months ago and stating I had five days to respond or my no claims bonus could be affected if they settled the claim. It gave a date and postal code for the incident. I rung the insurance company and said I had not been involved in an incident on the day in question and was not even in the area. I am absolutely clear on this although the area is only about 15 miles from my home, it was Easter Monday and I know exactly where I was that day. I asked about the incident and was told that my vehicle had reversed into another car outside a shop. There are no shops in the area, it is purely rural farmland (so no CCTV obviously).   The insurance company said they would note my response and send to the claimants insurance company but would need to send an assessor out to take photos of my vehicle for any damage. My vehicle has no damage to the rear but does have a dent to the door from a collision with a deer that I have never done anything about.   My questions are ;   How did the claimant obtain my insurance details ? Does my insurer have to provide me with details of who the claimant is ? Could the dented door cause a problem because I didn't report it ? It is very obvious it is not damage from reversing into someone else. If I had been away on holiday and hadn't responded, would this claim just have been paid without me knowing about it resulting in loss of NCB ?  
    • It doesn’t say FINE anywhere on the documentation.    I don’t have the facility to scan the document, is there something in particular that you need to see? I can explain what is on there.    Thsnks 
    • CASE DISMISSED!!!   Thank you so much for all your help guys! Couldn't have done it without you!!! - donation on it's way (just waiting for some money to come in next week!)   That was pretty nerve wracking, I must say, but once I got into the flow of things, everything went well. Didn't help my nerves that the PRA rep was 30mins late!! Was hard to gauge the judge initially, but once I realised that she was well versed in the legislation and seemed to hold it in high esteem, I felt confident and the nerves dissipated a bit (lucked out there from what I hear from other horror stories!). She pretty much agreed with everything that I had said, and even highlighted things that I had thought about mentioning but didn't in the end, although she wasn't interested in my use of PRA v Mr Segal as it wasn't directly relevant; I knew this, but that wasn't why I was using it! I tried just once to explain my reasoning, but realised that the judge was ultimately for my case and so yielded quickly on that, rather than get her back up!   The best part was when the rep knew that case wasn't going his way, he then reverted to desperate tactics and referred to the fact that I was a day late sending the stuff to PRA and that I hadn't signed their copy; judge was not impressed with this argument at all, simply saying "Well the copy I have here was filed on time and signed". Not that that would have made a difference as by that point I had already explained my case, and she had agreed. She also had a go at them for trying to file the "response statement" without permission and disregarded it (as you thought Andy).   I felt sorry for the rep, decent bloke, very polite, asked if I had any questions for him afterwards, and kept highlighting the fact that he didn't work for PRA; think he knew it was a poor case and that he would have a hard job trying to fight it.   Something he said did concern me a lot though, and that was that he "couldn't guarantee that they wouldn't try again, either by appeal or by another claim".......not sure what this means and where it leaves me!! I questioned him about there being another claim as I don't feel that an appeal would be approved (although it could I guess!) and he seemed to think that they could come after me in a claim for arrears/interest? This threw me and ruined the feeling of joy that I momentarily had! I phoned National DebtLine to get some clarity on this and they seemed to think the same thing! Then I found this online:   "However, according to Late Payment Legislation law (see ext. link 10), a creditor is allowed to charge his debtor an interest fee, if the consumer has late payments and bad debts. I.e. a debt buyer can request an additional interest payment from his debtors as a creditor, and not as a DCA. The same late payment legislation allows such interest collection to begin after a 30-days default period." https://ecollect.co.uk/wiki/debt-collection-uk/   Found similar information on other sites and even on other threads on CAG. I know you said they couldn't add anything Andy, so now I'm confused.com!!! How can they claim for arrears or interest if the debt that said arrears/interest is based on is now deemed unenforceable by a court ruling???!!! That just seems ridiculous and means that this thing will never end!!!!!    
    • Thanks Honeybee   For PCN's received through the post [ANPR camera capture]   please answer the following questions.   1 Date of the infringement - 5/7/19   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 11/7/19   3 Date received 16/7/19   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Y   5 Is there any photographic evidence of the event? Y   6 Have you appealed? [Y/N?] post up your appeal] N Have you had a response? [Y/N?] post it up   7 Who is the parking company? Northern Parking Services   8. Where exactly [carpark name and town] 1 Kings Manor Newcastle NE1 2ST   For either option, does it say which appeals body they operate under. BPA   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE     I do not think there is ANPR at this location but there are photos of the vehicle in a parking space The PCN has a "vehicle observed from"  date..... and time......  "to date..... time.....  
    • Hi,sorry for delay in respnse, just started a new job.   LBA here   Sports Direct 1st June 2019   Dear Sir/Madam, On 26th January 2019 I bought a pair of Phantom VSN in size 11 from Sports Direct Chingford. Please see my details of purchase below. ..... screen grab from bank statement of card payment .... On the 27th June 2019 I was surprised to see that the sole of the right boot had torn open at one of the rear studs, making the boots unusable. Please see picture below. ..... picture of torn sole of boot .... The Consumer Rights Act makes it an implied term of the contract that goods be as described, fit for purpose and of satisfactory quality.  I do not feel that an £85 pair of boots should fail after five months of being used for nothing other than their intended purpose. As you are in breach of contract I am rejecting the boots and request that you refund the sum paid to you of approximately £85 which I trust you will be able confirm from your records. I have bought a replacement pair of the same boots from your website on the 28th June 2019 as my son needed boots almost immediately, for that reason please give me a full refund of the original purchase price. I am today returning the faulty boots along with this letter to the Chingford branch of your store. If I do not receive your satisfactory proposals for settlement of my claim within 7 days of the date of this letter, I intend to issue a claim against you in the county court without further reference to you. Yours faithfully,   They replied by email to say this ............. Thank you for send your football boots for a further inspection.   I would like to advise you that on inspection it is our belief that the issue is due to wear and tear and not an inherent manufacturing fault. I appears that the stud had been caught on something which has caused it to rip apart from the sole.   Sadly, I am afraid for this reason we are on this occasion unable to offer a replacement or refund for your boots.   I have now returned your boots to you.   Apologies for any disappointment caused. Kind regards, ................ The boots arrived back to me today   I assume I now make a small claims claim?   Thanks Micky  
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mystic_bertie

£15k Debt, 7 Creditors, Can I Get It Reduced If I Pay In Full

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Im in England now but all this debt was created in Scotland,

7 defaults are from 2010/2011,

originally the debt was £20k.

 

I have been on 2 payment plans

a DPP and a token payment plan through Step Change.

 

After a long period of unemployment i had to sell my house to relocate for work.

 

Im now in a position to clear my debt.

 

I owe 7 different amounts which add up to £15,600.

 

I want to know if its possible to negotiate a reduced settlement figure for each debt.

 

I wanted to do this myself as Step Change seem to have wrong info regarding the amounts i owe,

 

also one guy suggests they might be able to negotiate a reduced amount,

 

another tells me its very unlikely.

 

So i thought i would maybe handle this bit myself.

 

Any tips on how to deal with this ?

 

Has anyone else been successful in negotiating?

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who says all your debts are even legally enforceable?

 

can you list your debts and what they were who with and who owns the debt now?


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Firstly, check your credit file via http://www.clearscore.com and also http://www.noddle.co.uk and see which are still on your credit files


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GEMHL Settled

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Thanks guys. I already ordered an experian credit report so i need to wait days until i can access it. I joined clearscore but its not very detailed, i dont see my defaults listed anywhere, it just lists my negatives, i have cleared the Santander account so my balance should be zero.

 

#####################

 

from clearscore site

 

Negatives

 

You have had at least one account in Default or Repossession (LINK FINANCIAL LIMITED)

You are not on the Electoral Roll at your current address

At least one of your accounts has been seriously in arrears (SANTANDER CURRENT ACCOUNT)

You have no active credit card accounts

 

###########################

 

Here is a list of my debts, my last credit report 2 years ago they were all on there, they stay on my account for 6 years so over the coming months they are set to expire. One debt is an overdraught and the rest are credit cards.

 

Barclaycard (originally Barclaycard credit card) = £2972 / default date 11/02/11

RBS Natwest cards (originally Ulsterbank credit card) = £2216 / default date 28/09/10

Moorgate Loan services (originally MBNA credit card) = £2997 / default date 31/01/11

Moorgate Loan Services (originally MBNA credit card) = £2555 / default date 31/12/10

LLoyds Bank (originally Bank of Scotland overdraught) = £2005 / default date 13/12/10

LLoyds Bank (originally Bank of Scotland credit card) = £1959 / default date 24/12/10

Link Financial Outsourcing (originally barclaycard credit card) = £904 / default date 10/12/10

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so by next feb all will not be showing on your credit file [6yrs from defaults]

so you need to get your voters sorted asap

 

send Moorgate 2*CCA requests

send link a CCA request

 

when were the take out dates of the others please


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Yes so fortunately it wont be long till the defaults expire.

Do you mean the voters register?

Im staying temporarily at my girlfriends house,

im looking to find a place to rent soon,

is it best to register once i move into my own place.

I dont want my poor credit history to tarnish my girlfriends address.

 

Why is it i have only to send the CCA requests to Moorgate & Link ?

 

The start dates are listed below ;)

 

  1. LINK (BARCLAYCARD) CC -----27/11/08
  2. BARCLAYCARD CC--------------02/12/08
  3. LLOYDS (BOS) CC---------------28/11/08
  4. LLOYDS (BOS) OV-DR----------02/06/08
  5. MOORGATE (MBNA) CC--------10/06/04
  6. MOORGATE (MBNA) CC--------14/02/09
  7. RBS (ULSTERBANK ) CC--------09/04/08

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those debts still with the original creditors are really not worth bothering with

and I see they are post apr 2007 so even if they don't have a signed agreement

a recon will do.

 

some of the others aren't looking too rosy either as they are post apr 2007 too...

 

so it could well be not much will be knocked off for a settlement.

 

on the ones that are still with the OC's

there are letters in our library to offer settlements.

i'd be sending them one each.

start at say 50% of the listed value.


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Thanks again for the advice.

Am i right in thinking you are suggesting i only contact the ones with original creditors?

Would that include

 

BARCLAYCARD CC--------------02/12/08

LLOYDS (BOS) CC---------------28/11/08

LLOYDS (BOS) OV-DR----------02/06/08

RBS (ULSTERBANK ) CC--------09/04/08

 

is this the correct letter template, i dont know if there is another template for credit cards

 

'Mortgage shortfalls: Full and final settlement letter '

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I dont want my poor credit history to tarnish my girlfriends address

 

Old wives tale. The debts go against you. Not the address youre living at.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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No,

the ones that are still with the OC,

because you took out the agreements post 2007,

they are now able to reconstitute the agreement in order to satisfy and enforce in court.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Full and finallink8.gif settlement for any debt

 

 

Mr A N Other

1 High Street,

Newtown,

Kent

R21 4RH

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

 

Dear Sir/Madam

 

Re: 4563210025897412

 

We write with reference to the money which you are claming on the above account.

 

We can confirm that we are unable to offer to pay the money which we owe in full. However, I can raise £775 and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability.

 

We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full.

 

Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment.

 

We look forward to receiving your reply.

 

Yours faithfully

Mr A N Other


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excellent many thanks for the template, ill get this sent off asap.

The library has so many documents i was not sure which one to use.

I appreciate all the assistance and i made a wee donation by paypal yesterday.

 

My list of original creditors looks like this.

I called BOS the original debt is still with them, LLOYDS own them they said.

 

 

I still get a statement from Ulsterbank so the debt is still with them also.

i can go ahead and send a letter to the following 4 companies?

 

BARCLAYCARD

BANK OF SCOTLAND CC (LLOYDS bank plc on stepchange statement)

BANK OF SCOTLAND OD (LLOYDS bank plc on stepchange statement)

ULSTER BANK CC (rbs natwest cards on stepchange statement)

 

Will i just pay the other 3 in full or should i make some kind of offer over the phone?

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You need to get full statements, check for anything to reclaim such as PPI/unlawful penalty charges etc first before you go sending letters.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Make sure you check enforceability and check for anything to reclaim before you go offering F&F settlements. I know you want to get rid of them quickly, but it may pay well to do some homework first.

 

i was told, because they are after 2007 they can be enforced in court

 

You need to get full statements, check for anything to reclaim such as PPI/unlawful penalty charges etc first before you go sending letters.

 

i never had ppi, there is a good chance that there are charges that can be challenged but i would rather just clear my debt, if they accept a reduced amount then this will cover any of those costs.

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i was told, because they are after 2007 they can be enforced in court

most probably yes


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Single Premium PPI Q&A Read Here

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i was told, because they are after 2007 they can be enforced in court

 

Probably. Not 100%. get checking. If its enforceable, then you need to do research so you can reclaim.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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for sake of clarity

 

 

 

  1. LINK (BARCLAYCARD) CC -----27/11/08 - CCA request
  2. BARCLAYCARD CC--------------02/12/08 - poss F&F after reclaiming
  3. LLOYDS (BOS) CC---------------28/11/08- poss F&F after reclaiming
  4. LLOYDS (BOS) OV-DR----------02/06/08- poss F&F after reclaiming
  5. MOORGATE (MBNA) CC--------10/06/04 - CCA request
  6. MOORGATE (MBNA) CC--------14/02/09 - CCA request
  7. RBS (ULSTERBANK ) CC--------09/04/08- poss F&F after reclaiming

there is NO HARM

for the sake of £1 in sending a CCA to the original creditors ones mind

the better or additional idea is send an SAR get all the statements


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Ok many thanks for the information, i really appreciate your help.

 

Is there any chance of getting more fee's added while i write for this information? Step change is no longer making token payments.

 

Is there a database of addresses of where to send the CCA or SAR ? Or will i need to call each creditor for this? I have an address for Barclaycard and Moorgate.

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if you use our search cag box of the red top tool bar

they are all here on threads

 

ie type in

link financial address

 

and you'll get a list of threads with it in

likewise for the others.

if you're stumped on any

shout


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The only one i know off the top of my head is BC

 

Barclays Bank plc

Data Control Dept

Radbrooke hall

Knutsford

Cheshire

WA15 9EU

 

id send the Lloyds stuff to the HBOS address

 

HBOSlink3.gif PLC

DSAR

PO Box 791

Leeds

LS1 9LR

 

For SARs relating to RBSlink3.gif credit cards;

 

Data Protection Officer, The Royal Bank of Scotlandlink3.gif plc, credit card Centre,PO Box 6050, Southend-on-Sea SS99 1WL

 

MBNA Europe Bank Ltd

PO Box 1004

Chester Business Park

Wrexham Road

Chester

CH4 9WW

 

Barclaycard

Registered Office 54, Lombard Street, London, EC3P 3AH

 

just to clarify

you only need to send ONE SAR per bank


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Barclaycard

Registered Office 54, Lombard Street, London, EC3P 3AH

 

SAR's for BC go to Knutsford dx, it has a dedicated Data control Dept

 

Martin


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GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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are yes remember that one now

 

 

dx


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Thanks for all the effort you guys are putting in. I have been working over the weekend so i was waiting till today to get back to this thread. There is a bit of a variation on the addresses i had for Barclaycard and the ones posted so i decided i better phone the creditors and get an up to date address.

 

I was told by the woman at BOS that i cant get a SAR for my old bank account, i could only get one for my old credit card debt. Is this true, remember i have one credit card debt and one overdraft debt with BOS.

 

Do you mean i only pay one fee to a creditor even if i am requesting for 2 accounts?

 

Here is the addresses i was given.

 

Link Financial (CCA REQ to be sent)

PO BOX 30095

LONDON

SE1 7WU

 

----------

 

Moorgate Loan Services (CCA REQ to be sent)

PO BOX 16140

SOLIHULL

B91 9HH

 

-----------

 

Barclaycard (SAR to be sent)

PO BOX 5402

NORTHAMPTON

NN4 1ZR

 

----------

 

BOS (SAR to send)

 

HBOS

DSAR

PO BOX 548

LEEDS

LS1 1WU

 

------------

 

Ulster Bank (SAR to send)

Ulster Bank Customer Services

PO BOX 5747

SOUTHEND ON SEA

SS1 9AJ

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Sar is for all accounts

She talking sillies


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Reclaim mis-sold PPI Read Here

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Ok thanks for confirming that ;)

 

Do you mean i only pay one fee to a creditor even if i am requesting for 2 accounts.

Moorgate, would i send a £1 fee for the CCA for 2 accounts.

BOS send a £10 for the SAR for 2 accounts?

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