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    • Hi I received a letter from a solicitor yesterday for my daughter (who no longer lives here) from a solicitor.   It is a county court claim in relation to a RTA 2 years ago.   I have some questions in this regard  No.1 She doesn't live here anymore and I have no idea where she is (due to a far from ideal relationship he won't let her contact me) No.2 I don't understand the details are at best miss representations No.3 They say the Insurance company has admitted liability although she was not at fault They say she hit them at 40mph and then again at the opposite side of the car at 30mph when in truth to vehicle pulled out at a T junction into the front of er car. causing significant  damage to my daughters car.  No.4 Apparently my daughters insurance has accepted liability however they are claiming which has as stated in this claim already been satisfied by her insurers  No.5 On schedule of costs it details physio costs for which there is no doctors referral detailing back pain and neck pain for which the walk in clinic  advised paracetamol and it notes this woman has had significant back pain for 10 years? No.6 Its also lists 2 defendants my daughter and the insurer. No.7 The chosen court is 200 miles away !     I have photos which totally disprove these peoples account, but my daughter isn't here can't tell her . Should I respond to this and detail the evidence I have here on my CCTV.  Give them pictures of the road where the accident happened totally disproving their account?   I don't know what to do      
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    • Quick update in case its helpful to anyone in the future.   Covid made things a little different i think, there was no prosecutor to talk to however the legal advisor to the magistrates was helpful and happy to make the decision to do the deal, this took place in the courtroom, although i had spoken to someone (i think an advocate) half an hour before who had made them aware of what i was asking. All was relatively pain free and ended up with a £3xx fine rather than the £8xx, and 3 points rather than 6.   Thanks for all your help MITM
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    • Just to add, it may well be that the camber was slight – but coupled with the momentum of a vehicle, sliding on slushy ice, it doesn't take much to add that little bit of extra speed or momentum to a skidding vehicle   Also, you say that there was "not a lot of bend" at that site. Frankly I disagree. I think there is quite a pronounced bend and also the position of the van – which is roughly in the position of the white car in the image below – was pretty close to the band and if you imagine that it had started pulling out before the OP appeared and started to make its manoeuvre and was far enough in to the road to have a gap done its left-hand side that a Vauxhall Corsa could pass down, then I think that the bend was sufficiently aggressive to have been of concern to a prudent driver – who was parked on the wrong side of the road, who was trying to cross the carriageway to proceed on the other side of the road who had parked close to a bend and he was aware of the icy circumstances.     In fact if we take the width of the van at 72 inches – 6 foot. In order for it to be far enough out into the road to allow sufficient gap for a Vauxhall Corsa to pass down it, it must have been all of 11 foot into the road. The OP tells us that she lives there – and maybe she would be kind enough to measure the width of the road where the van was.  It is a narrowish  stretch of road
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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.
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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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