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    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
    • Hi, OP sister here, im going to try and explaine in full details from start to present and see if you have any advice for me on what i can do. on 15/1/2021  at 16:25pm i was traveling along hazlebarrow cresent wich is on my estate at around 30mph, its a tight road with cars parked along the left hand side, as i proceeded through, a van ( which was parked on my left hand side, facing towards me) pulled out from the side of the road, he stopped the van wich resulted in the van being at an angled stationary position on the road. I breaked immediately but the ice and snow skidded my tyers, i skidded into the drivers side of his van, my car bounced off his van and sent my vehicle head first into the back of a parked car ( wich was originally parked at the back of the van before he set off from the side of the road. I will refer to the van driver as MR seddon. ( im going to attatch a street veiw picture and diagram wich will be more helpful in understanding how the accident accured ect) .  The owner of the parked car, which i will refer to as Mr simpson came out of his house. Myself, mr seddon and mr simpson exchanged details and took photos, then i left the scene as my first concern, understandably was to contact my midwife and the hospital. I live just round the corner from the scene of the accident so i slowly drove my car to my property. I contacted Go skippy the next day 16/1/21 and informed them of the accident and gave them all the details ect . by the following monday 18/1/21 i had a call from AX who said they was dealing with my claim as go skippy will not deal with it as i am third party insured. Over the next few days, i complied with their requests ( gave them a written statment of what happened, sent them pictures of the damage to my vehicle and mr seddons van ect). Then on the 19/1/21 AX contacted me again and asked if i need a curtesy vehicle, my first response was ' how much will that cost me?' Of which she replied ' nothing because your insurance covers the cost'. I agreed to the curtesy vehicle and the vehicle was delivered to me on the 20/1/21.  Over the coming weeks, AX and i had regular contact about my claim and updated me in regards to my own vehicle. At one point she said it could be deemed a 50/50 liability. an engineer had collectes my car, deemed in a total loss as the damage was more than 66% of its total value and written my car off . i had a call from a lady from AX and she said they have valued the car and i will be payed out £2200 . i asked when and she said ' we will send you a cheque out for £358 in the post, and the remaining balance will be payed out by Admirel but this may take a few weeks more' .  I didnt hear nothing for around 2 weeks so i comtacted AX again for an update, she told me that admirel are refusing liability and there now in dispute. Every time i contacted them they said the same thing ' admirel are refusing liability' i asked them why admirel consider themSelf not liable and she read from the notes ' mr seddon said he was driving along the road, the corsa ( my vehicle) was at high speed coming towards me , i beeped my horn and tried moving out of the way but i couldnt because of the ice and the snow and the corsa hit my van' . the lady at AX said the problem is that the damage to both our vehicles is consistant with both our stories and due to there being no witnesses, no cctv or dash cam footage- no one can prove who is at fault. I then questioned why i had been told i was being paid out £2200 and she said 'well we have to advice you the estimated value' of wich i replied 'no, there was no 'advice' - i was told it was a done deal i was getting paid £2200 and she told me i had a cheque arriving in the post!!!.  The lady then told me she had requested a ' none prejudice payment' from admirel and waiting for a response.   Shortly after this phone call, AX contacted me again and asked if i had the funds to repair my own vehicle or buy another one, ( im.assuming admirel refused to pay the ' none prejudice payment) I told them No i do not as i have a baby due and even if i did have the funds, why on earth would i fork out to repair my own vehicle when i wasnt at fault ?! . she said ok im going to pass this to managment and see what we can do .   I contacted AX again and asked for an update and expressed how unhappy i was with their service as i felt like they hadnt fought my corner, bowed down to admirel and then had the cheek to ask me to repair my own vehicle . again she said ' its still in dispute, admirel are not budging i have to pass this on to management. She then asked me for 3 months bank statements to 'prove' i dont have the funds to repair my vehicle myself. I thought this was ridiculous and stated that even if i had the funds, why would i repair my own vehicle when im.not at fault!? Obviously this has been on going since middle of january, pretty fed up. My brother come to this forum and you guys had mentioned the hire car rates may fall back on me. I contacted AX first thing this morning regarding this. I made it clear that they can collect the vehicle to stop the daily charges as i do not want to be in thousands of pounds worth of debt when i am a lone parent with a new born baby. and the lady told me ' we will try every avenue to recover the cost from Admirel for the hire car charges, if this means taking them to court, even if this is unsuccessful, considering you comply with your hire vehicle contract and you work with us with your claim ( which you have been doing) you will not be liable for this debt and if worst comes to worst and admirel will not pay, we will just wipe the debt off' . i made her repeat several times that i will not be liable for this debt and she said i have told you my name, and these calls are recordered and i am telling you that this debt will not be on you to pay . She then said that if i was to give AX the hire car back now, then it would jepordise everything. And she said ' we gave you that hire vehicle because we beleive your not at fault so you can keep using it as we know you need transport' I then questioned the need for bank statements again and she told me the reason they need bank statements is so if it goes to court - AX can justify why i needed the hire car for so long ( because i didnt have the funds to repair my vehicle or buy another one) and also so they can prove they have tried every root possible.    After the phonecall it got me thinking about how she said ' aslong as you comply with your hire car contract your not liable for any charges for the hire car' . will they find any fault with the contract just to try and lumber me with the debt? , as it seems pretty fishy how they would just ' wipe off' thousands of pounds if admirel refuse to pay.  And also, she said if i gave the hire car back it would jepodise the case . so when the lady rang me the other week asking if i had funds to repair or buy myself a new vehicle , if i had said yes, ill buy a car tomorrow and come collect the curtesy one. Then what? Wouldnt that ' jepodise' the case?    As you can imagaine, my heads spinning. Stressed and dont know what to do. I dont even care about a pay out , i just want to give the hire car back and be completely done with AX . but now im scared if i give the car back i will be lumbered with thousand of pounds worth of debt from the hire car charges.  Tomorow i am going to read thoroughly through the ' hire car contract' . i am going to give them another call and record them saying i am not liable for the debt. Any advice on how i can just give the hire car back to them without me being liable to pay the debt?  Thank you Gemma
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robinson way cabot etc old old debts


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Do I have to deal with these companies if they have bought the debt from barclaycard,

 

mdr letter had in the same envelope the notice from barclaycard that they had sold the debt to mdr,

 

they have been calling me on a Sunday morning at 8.30 am chasing me for payment,

 

I am and have been making token payments to these debts of £1 per month for some time now

 

I have checked my credit report online and the only mark on my record is from apex credit

a default every month since they have taken over the debt showing me in default,

 

something that barclaycard never did ,

 

I have had these debts and been paying them for approx 10years

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10yrs really

 

about time you CCA'ed them if they are THAT old.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi WElcome to CAG,

Yes you will need to deal with the debts new owner,

 

This is not a deafult ''every month'' just any update showing that the original default has not been remedied.

 

A bit more history may help us to advise further.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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10yrs,!!! Cash cow springs to mind,

 

if there is still an entry on your credit file after all this time, then there shouldn't be!

 

Entries on credit files auto drop off after six years once a default is regardless of the state of the debt.

You need to be informing the CRA of their error and warning them of pending legal action if they fail to remove them.

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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Hi brigadier thanks for your reply,

 

I am making repayment from my dla allowance

I have no income other than dla and only make a contribution to my household bills

 

my partner is in full time employment ,

am making payments to five debts,

barclaycard,

barclaycard loan,

t mobile ,

bank of Scotland credit card,

 

can't recall the fifth one,

 

got advice off national debt advice line

, so offered all £1per month,

 

Robinson way ,saw them off with letters etc still paying £1,

 

so now have apex credit and mdr, and Cabot, wrote asking them to write off debt as I am disabled

and have little chance of paying these debts in my lifetime,

 

all said no,s

 

they get a pound token payment like it or not,

 

The only mark on the credit file is as I said from apex since they bought the debt,nothing else on my file,

 

Sorry disability living allowance, this is the balance due to me each month after paying for a motability car , leaves me approx £65

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Dla is for you to live on not for paying debts

Time to send each a cca request??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The only mark on the credit file is as I said from apex since they bought the debt,nothing else on my file,

 

OK, but when did you actually default on this? They only have up to six months to add this to your credit file, so if you defaulted ten years ago, this should not appear on your credit file at all, regardless of which circus outfit is chasing you.

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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I am only paying these five debts the token £1 per month only

 

OK, but when did you actually default on this? They only have up to six months to add this to your credit file, so if you defaulted ten years ago, this should not appear on your credit file at all, regardless of which circus outfit is chasing you.

 

Probably defaulted 8/9 years ago,

as I said the only thing on my credit file is the apex thing each month since they bought the debt from Barclays,

 

my original payment to Barclays each month was originally £5

but I was short by one pound on a particular month,

so they didn't let me know for a couple of months ,

 

I arranged a payment with Barclays over the phone of five pounds

and my next payment of a further five pounds at December 29 2010 ,

but before we got to that date the debt was sold on

 

even though I had a verbal agreement with Barclays!

 

Now apex expect five pounds monthly but I only give them £1

as I was advised by debt line not to favour one debt over any other

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Then this should have been removed from your credit file, as the default is over six years?.

 

IMO I would get in touch with the CRA in writing or email, advising them that they are allowing inaccurate incorrect data to be reported on your credit file,

and that if they fail to rectify this by removing it you will take them and the clowns they have allowed to add this inaccurate data to your file to court and sue them for damages.

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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still should not be showing

 

on the resume of the debt it gives a default date

 

what date does it show?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what!

 

you sure!!

 

that should have gone in 2000!!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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!!!!You have to be joking?

 

I wouldn't waste anymore time, I'd be suing them for defamation.

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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So it's not just an update as per brigadier thought?

 

Just had another look on experian credit report and it has apex credit as the lender and 6 payments are late even though they have been receiving this token payment every month of £1

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No, not if you defaulted in 1994, which is when the default should have been placed on your file, and only has a six year life before it should auto drop off. Something has gone very wrong here.

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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Ok bazooka I am going to have to go through all my paperwork and check that date 10/10/94 may be the date the card was issued?,

 

I have just had two calls, one from mdr and one from apex credit told them both to only contact me by post,

both have bought debts from Barclay card

so do I have to deal with them directly,

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If they ring again just laugh and hang up.

 

Sharklaycard should have informed you that they were passing it onto Tweedledee & Tweedledum, and they should have informed you that they were going to attempt collecting.

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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told them only to contact by letter

,...letter arrived 31.10.2012 confirming full recovery of this balance has been transferred to ourselves.

 

and all future contact must now be made to us.

 

Contact our call centre to discuss a repayment proposal you can afford and maintain.

 

should i now send them or make arrangment to pay to them the token £1 per month or not.

 

with reference to this ppi thing,

some advice, on my credit card accounts that i used to hold there was an amount each month on the statements for insurance ?

 

which was normally so many pence for the outstandind balance, was this PPI ?

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yes

what is the defaulted date listed in the cra resume.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 5 years later...

i have asked in the past about dealing with these people via these pages

 

i believed i was doing the right thing in making a token payment to them all,

token payments each month to five debts each at £1 per month.

 

just received july a statement of account from Cabot re Barclaycard credit card agreement date 10th October 1994 date assigned 23 December 2010.

I have been paying all these people £1 per month for this length of time...

 

Robinson way have today sent letter offering a discount from HSBC owed to hph2 ltd amount due 2924.00 an 80% discount to 585.00.

 

As these debts are so old should i just stop being cash cowed there is nothing on my credit files anymore all have dropped off.

 

steve

Edited by dx100uk
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I would send a CCA Request all the DCA's

 

Please list what debts they are when the acct was opened and who now owns it

 

stop paying them now you are only paying for their xmas dinner.

 

as the accounts are 1994 so will be very surprised if they have the originals

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keep paying..??

You were told to send CCA request s off

But you vanished till today..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you were told to stop paying years ago. They are totally unenforceable and they laugh every time you pay them.

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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  • 2 months later...

Hi..

I have been unable to come back to CAG until now...

following on from my post .

.this seems strange please advise ..

 

..seems it was MDR who had my Barclaycard account then assigned to Apex Credit Management 23/12/10 whom I continued to pay £1 token payment to,

 

then as of approx 31/07/15 it was bought by CABOT from APEX so continued paying token payment to CABOT.

 

Checking letters from Cabot and in fact my last letter dated October 2018.

.they say I need to switch payments to them because I am still paying BARCLAYCARD.

 

Question...how many times can a debt be assigned and then bought by DCA.

 

And all these years it seems my payments have been going to BARCLAYCARD.

 

I have stopped paying all token payments to DCA.

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