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    • once a debt has had a default notice issued thus resulting in a defaulted date being registered, it reaching it's 6th birthday and thus removing the whole account, it can never comeback.   ok yes, if you fail to keep your debt owners updated with any subsequent moves, which you must for say 7yrs to be sure (which does not reset anything)  if if if a CCJ were ever to be attained and registered - that CCJ would show but not the debt itself return.   as long as a debt owner always has your correct address then a letter of claim if ever issued can easily be dealt with, but much better to comeback here in case wisdom on dealing with those changes down the line.   as for settling debts via an F&F to a dca that owns any debt - , totally pointless, in many cases it doesn't make it go away, they just await till 6yrs has almost expired then try for the rest or sell it on and they try for it, plus you giving the DCA free money to fund harassing everyone else they try and mug..   If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...   
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    • No it's not on my credit file, never has been either 🤷‍♂️
    • Ok thank you. So, am I implying correctly that even though I am overseas, and able to have any correspondence to the UK address forwarded to me, there is still a chance that bankruptcy proceedings could be brought against me?   Selling the property isnt really an option.    Also I'm a bit confused. In reply ~12 the advice is to get the defaults and let them run their six year course, but if I make small payments wouldnt that keep the clock running?
    • Well, we have also been done by Yewtree Cars/James Harrison! We bought a Land Rover Discovery from him off a dealer site on 28th December 2020. He advertised it as 1 loving owner (true, I tracked him down on Facebook, really nice guy!) throughout the advert WOW full dealership service history, WOW new cambelt, WOW new MOT, WOW full valet including decontamination clean WOW, WOW, WOW!!! We paid £4500 for the car plus £280 for delivery from Solihull to Winchester. He sent 3 texts reminding us to ‘look after the delivery guy cuz he’s a top man’! Soon worked out that HE was the delivery guy! They dropped the car off and scarpered. It was dark when it arrived, initial thoughts were it was disgusting inside. I have never seen such a filthy interior. He even left his sweet wrapper inside. He drove the vehicle down to us (we thought that we were paying for a transporter). It was running on fumes, so we took it out to get fuel. Straight away noticed automatic gearbox slipping. Not a good start. Next day messaged dealer asking for the receipt, twice, he said that he was in Dubai (in his dreams!) for 2 weeks but would send it when he got back.  Before he delivered the car, he said that if we weren’t happy he would personally come and collect it. Sent him a message (I like to keep proof of conversations) to say that we certainly weren’t happy and wanted to return it. His reply was - SOLD AS SEEN, YOU GOT A CHEAP CAR! Thinking we would have to cut our loses, we had a new gearbox put in, only to find that the crankshaft had also gone and then the bottom part of the engine had to be replaced. Also the suspension at the front was leaking oil (mentioned as an advisory on the previous mot, which he said had been done). He forged an entry in the service book saying that it had just had a cambelt change (false Land Rover stamp), confirmed by previous owner and Land Rover. So, after 8 weeks of being at the garage and £7000 - YES £7000! later we certainly did get a cheap car from him. Are we going to let this go? NO! I have found out his real name and I am going to pursue him through the court until I get this money back. He is the worst kind of confidence trickster, a lier and a thief. We will have no hesitation in scouring Solihull for him, whatever it takes.
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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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Insurance company appear to have sold on my accident details to everyone -is this legal?


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Long story slightly shorter.

 

 

We had a other party fault accident last year, which is been sort of resolved, although I do have a complaint in with the Legal Ombudsman regarding this.

 

 

However for the past 3 weeks I am constantly being bombarded by calls from supposedly different companies all with a Manchester selection of phone numbers, all want to talk to me about last years accident.

 

 

Today I had enough so I questioned the company of the day, as with the others I give no information out and I confirm or deny nothing BUT this guy knows whre the accident happened, who was involved, the street, the other party's name and everything. He said my insurance company can legally sell on my details on this accident for TWO years. He also said we are due a payment between £2500-3000, I assume that's a pile of poo, although I'd love for one of you to confirm otherwise!

 

 

So to confirm my question - is the true, that they are selling my details on and is there anyway of stopping them?

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Register a Data Protection Act complaint with the Insurers. They can only pass on your data to those involved in dealing with your policy and any claims you make, as well as databases such Motor Insurers Database.

 

You should write down full name/addresses of those companies calling you and you can ask your Insurers whether they passed them your data.

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This happened to my OH after an accident last year - I understand there is a data base where these details are uploaded to - which is then accessible to quite a few companies - namely Claims Management Companies, other Insurers.

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Long story slightly shorter.

 

 

We had a other party fault accident last year, which is been sort of resolved, although I do have a complaint in with the Legal Ombudsman regarding this.

 

 

However for the past 3 weeks I am constantly being bombarded by calls from supposedly different companies all with a Manchester selection of phone numbers, all want to talk to me about last years accident.

 

 

Today I had enough so I questioned the company of the day, as with the others I give no information out and I confirm or deny nothing BUT this guy knows whre the accident happened, who was involved, the street, the other party's name and everything. He said my insurance company can legally sell on my details on this accident for TWO years. He also said we are due a payment between £2500-3000, I assume that's a pile of poo, although I'd love for one of you to confirm otherwise!

 

 

So to confirm my question - is the true, that they are selling my details on and is there anyway of stopping them?

 

I imagine there's a little clause in the small print of your contract where you consent to its.

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