Claims Advisory Group

[fathered75]

Litigation Department have just rang me to say they're chasing me for £125 on money they claimed back for me on an RBS loan/credit card I had years ago (which they successfully won).

 

1. Are they allowed to still chase me for the money (refund was paid in 2010)?

 

2. Can they take me to court and get a CCJ against me on the strength of the above?

 

Hope somebody can help, cheers.

[BankFodder]

See the rules about the six year limitation period 6yrs

[fathered75]

See the rules about the six year limitation period 6yrs

 

so that would be statute barred as well?

Do I need to get them to produce the original document with their agreement reached with the RBS and their invoice to me (as would be 6 years ago now)?

[fkofilee]

BF is quite right... Have you kept paper work from the company?

Did they take "a cut" from the original claim? If so... They might be outta luck

[fathered75]

I haven't get the original paperwork or if I had, I've absolutely no idea where it is now. Claims Advisory Group have definitely not previously taken their cut. In the phone call yesterday, they threatened legal action and obviously CCJs if the matter is taken to court. I don't want to go down that route for the sake of £125 but at the same time some of their threats and tone of voice made me think they can go whistle...

[fkofilee]

Well The Statute Of Limitations would apply to any outstanding amount over 6 years.

I would for all benefits sake send a SAR to these guys and get all the info they have on you so you are prepared if they try something.

 

FWIW aswell - If you want to complain but feel you arent getting anywhere - Try;

 

[email protected] - Mr Jamie Alaise

[fathered75]

Just spoke to someone from the Claims Advisory Group and asked for a SAR. He went all arsey on me but I said in order for me to proceed any further it needs to be sent.

[fkofilee]

No dont talk to them over the phone. Send a Letter with £10 PO... Then they have to comply within 40 days.

[dx100uk]

why bother if it statute barred>

[fathered75]

may be beneficial all round as it will tell me exactly when they allegedly started acting on my behalf (confirm if it is 2010 or later), and in doing so will also tell me if this balance of £125 is indeed now Statute Barred.

[cjcregg]

may be beneficial all round as it will tell me exactly when they allegedly started acting on my behalf (confirm if it is 2010 or later), and in doing so will also tell me if this balance of £125 is indeed now Statute Barred.

 

 

The limitation period won't begin at the point they starting acting on your behalf but shortly after the commission became due.

[fathered75]

Just got the 'paperwork' sent through from the Claims Advisory Group,

which includes a letter from RBS dated 26th May 2010 and them refunding me my PPI claim within 28 days of the receipt of my acceptance signature.

 

 

Even by my calculations, that takes me over the 6 years statute barred threshold

 

 

- I'm free to tell the Claims Advisory Group in writing to forget about chasing the £125 wouldn't you agree?

[fkofilee]

Id say yes at this point, They have had 6 years from payout to recognize their mistake and sadly, they missed their chance.

[fathered75]

Id say yes at this point, They have had 6 years from payout to recognize their mistake and sadly, they missed their chance.

 

This in spite of their attempts over the years to chase me for the money?

 

The reason I ask was the last conversation was with someone from their 'legal' team saying they were going down the court/CCJ route next if I continued to ignore.

 

I've seen first hand a mate last week have to pay back almost £400 over non-payment of parking fines.

 

They'd left and left it (about 3/4 years) and the bailiffs were stood in her living room last week ready to walk out with the TV/hi-fi, etc...

[dx100uk]

ok lets get one thing clear here

 

Council parking fines are a CRIMINAL MATTER

civil debt is NOT!

so no bailiffs

despite what you might see/think/read.

 

doesn't matter a monkey's what Claims Advisory Group

say

write

or intimate

 

its your actions that can only reset the SB clock.

 

and you've not paid anything in 6yrs

and you've not written signing a letter stating this is my debt in 6yrs

 

so off and bugger Claims Advisory Group

 

phone conversations don't count

 

pers i'd be ignoring Claims Advisory Group

[fathered75]

ok lets get one thing clear here

 

Council parking fines are a CRIMINAL MATTER

civil debt is NOT!

so no bailiffs

despite what you might see/think/read.

 

doesn't matter a monkey's what Claims Advisory Group

say

write

or intimate

 

its your actions that can only reset the SB clock.

 

and you've not paid anything in 6yrs

and you've not written signing a letter stating this is my debt in 6yrs

 

so off and bugger Claims Advisory Group

 

phone conversations don't count

 

pers i'd be ignoring Claims Advisory Group

 

Again, for clarity. Shall I continue to ignore the phone calls (had 3 so far this week) regarding the debt as it's been longer than 6 years? Or shall I write to them asking them to stop mithering me for a debt that is now statute barred? I don't want to go down the CCJ route either which they'd previously been citing - do you think they'd go down that route for a £125 debt?

[martin2006]

Yes and seen them for much less than that aswell.

 

As advised, ignore them completely, unless they are dumb enough to issue a N1 claim form, if they do, pop back and we will deal with it.

[fathered75]

Yes and seen them for much less than that aswell.

 

As advised, ignore them completely, unless they are dumb enough to issue a N1 claim form, if they do, pop back and we will deal with it.

 

Does this mean they already have or about to go to court?

[dx100uk]

does what mean what?

 

 

a claimform is a court claim ..

it comes from a COURT not the CMC

[fkofilee]

Yes if you see anything from Northampton Bulk CC Then get in contact with us ASAP.

[fathered75]

Yes if you see anything from Northampton Bulk CC Then get in contact with us ASAP.

 

More calls from CAG both to me (which I ignored) and now to where I work (they previously didn't have the number).

 

 

Can I give them a .. And get them to take the number of their records or are they allowed to do this?

[dx100uk]

you can

complain tell them not to use the works number

and then off to the ICO if they persist

[fathered75]

Cheers.

[fathered75]

I've received a letter this morning from CAG headed Letter Before Action. In it, they've enclosed copies relevant to the debt of the letter of engagement and the invoice. They go on to say to ensure I need to show intention to repay the debt within the next 21 days before legal action including a possible CCJ is made against me - they also bring up that this will incur a further claim for interest at ...% and costs. They go on to say it is their intention to go down this round without further notice to myself. What should I do?

[dx100uk]

Scan it up