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    • Start off by listing the DCA's and the amounts please
    • I understand that you may have suffered an injury and that you have memory problems. Obviously is not a good situation. However, you have to engage with this thread closely if you want to make headway. It is difficult for us to take an interest and then find that there is no contact for two months and then we have to start again refreshing our memories and being enthusiastic about supporting you. If your lack of contact is because of a memory problem then I think that you probably should make a note on a Post-it or something and put it in a prominent place so that you can remember to get back to us. It is very important for you – because you can be certain that the one people won't forget are Vodafone and eventually their debt collectors who will start to put pressure on you and start to make your life very uncomfortable indeed. I see that back in January I advise you to send Vodafone an SAR. Have you done this? It is an essential step. Also, as a matter of interest are you still with Vodafone? I'm afraid Vodafone are a very troublesome company. They are very inefficient – the only thing they seem to be really good about is about debt collection. There are extremely poor at dealing with problems when things go wrong. The one company we haven't had any complaints about so far is GifFGaff and they offer month by month no contract Sim cards. In effect they sent Sim cards out like confetti and no contract is ever started until the Sim card is actually activated in a telephone. This means that there can be no mistake and no commitment until you have actually made the choice to open your phone, put the card in and then to switch on the service. Even then, you are only bound for a month and then another month and then another month and another month – but you choose. As I say, we've had no complaints here. Have you sent Vodafone the SAR?
    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
    • It already allows visitors to spend their quarantine on a golf course in an effort to boost tourism. View the full article
    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 27 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      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
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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Motor Insurance Bureau advice please


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A friend of mine has been contacted by the Motor Insurance Bureau via snail mail with a letter claiming that she was involved in a accident in December of last year regarding an Uninsured Drivers Agreement.

 

The letter reads

 

"We have been approached, in our capacity as the national Guarantee Fund, as we provide compensation to victims under the above agreement.

 

We are sorry for troubling you, however we believe you were the registered keeper of the above vehicle at the time of the accident. Please can you help identify the insurer who covered the vehicle. by phoning us to provide their name, address and policy number?

 

If you sold or disposed of the vehicle prior to the accident. please advise the name and address of the new owner, together with a time and date the vehicle changed hands.

 

You can also use the Freepost address below if you are unable to contact us by phone."

 

 

Does any body have experience dealing with the MIB, as my friend assures me that she was indeed insured on the date mentioned and that she was no where near the location that is stated in the letter for where this 'accident' supposedly occurred,

 

 

she hasn't been involved in any accidents since purchasing this vehicle and has asked me for assistance for what she should do next.

If any one could give me any advice for her it would be greatly appreciated.

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Might just be an error if she has not been involved in any accident at the location.

 

Suggest she writes back saying that she disputes having been in an accident at the location stated and that had she been involved in any accident at any time it would have been reported to the Insurers under the policy terms.

 

Advise the MIB to provide full details of the allegation made by the third party,

including details of the vehicle they had the accident with e.g make/model/colour, description of the driver, date/time and exact location, any witness statements minus personal data and any dash cam or photos taken at the time of accident.

 

 

Advise that it seems a mistake has been made in identifying the vehicle/driver they had the accident with and providing full information would help resolve the matter.

We could do with some help from you.

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A friend of mine has been contacted by the Motor Insurance Bureau via snail mail with a letter claiming that she was involved in a accident in December of last year regarding an Uninsured Drivers Agreement.

 

This suggests that her insurers haven't correctly updated the Motor Insurance Database with her policy details.

 

If the policy she had in December has now ended I don't see that it would be a major issue, however if she's currently driving under this policy there's a chance her vehicle may still be showing as uninsured.

 

She can check here to see if she has any concerns as to whether it's showing insured today: https://ownvehicle.askmid.com/

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This suggests that her insurers haven't correctly updated the Motor Insurance Database with her policy details.

 

If the policy she had in December has now ended I don't see that it would be a major issue, however if she's currently driving under this policy there's a chance her vehicle may still be showing as uninsured.

 

She can check here to see if she has any concerns as to whether it's showing insured today: https://ownvehicle.askmid.com/

 

Good shout. The friend should make sure they had continuous insurance just in case this third party has proof of them being involved in an accident.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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This suggests that her insurers haven't correctly updated the Motor Insurance Database with her policy details.

 

If the policy she had in December has now ended I don't see that it would be a major issue, however if she's currently driving under this policy there's a chance her vehicle may still be showing as uninsured.

 

She can check here to see if she has any concerns as to whether it's showing insured today: https://ownvehicle.askmid.com/

 

This struck me when I read the OP.

 

The communications would normally be through the Insurers of the vehicle and the fact that the MID are writing to the registered keeper would indicate there is a problem somewhere along the line

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This struck me when I read the OP.

 

The communications would normally be through the Insurers of the vehicle and the fact that the MID are writing to the registered keeper would indicate there is a problem somewhere along the line

 

Exactly what I thought.

 

But UBs advice is still the way to go I think. If she goes kicking off to her insurers she might end up with an open claim against her policy - not great if it's a mistaken identity issue - which could cause issues at renewal time if still unresolved.

 

Best to see what info you can get out of the MIB and if mistaken identity can be established and this potential claim nipped in the bud, then OPs friend can go to her insurers afterwards about the MID issue.

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