Jump to content


  • Tweets

  • Posts

    • First of all welcome to the Forum. Do not worry about Drips+ -a dead sheep has more power so do not let them bother you and never contact them. It is a pity that you wrote to PE  which would be perfectly normal, except with crooks like PE  as you may have revealed you were the driver. You have lost the protection of POF A but it is not a fatal. Please do not even think of paying a penny. The amount may go higher in the short term but when the poor dears do not hear from you they get worried ( because they think to won't pay) do they start sending begging letters and reduce the amount owed.I One of the Site Team will be along shortly and give you a template to fill in which helps us to give you the best advice should they not give up. Just complete the form and post up photos of the signs at the entrance to the hotel and others around the car park and the terms on their ticket machine if there is one.
    • HI   You took possession of the Property in 2010 but when did you end the Tenancy Agreement?   Did you give them the required Notice to end your Tenancy?   You mention you paid a Deposit in 2010, was this returned when you ended the Tenancy?   You need to know exactly what they are claiming money owed is for and surprised that solicitors letter does not mention this.   Send the Landlord a Subject Access Request (SAR) asking for 'ALL DATA'  (ensure to send a copy to the Solicitor acting for them as well. 
    • yes only court...   can I confirm this was settled via Barclaycard and chargeback as it was a debit card, rather than section 75 via a creditcard?  
    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
  • Our picks

Coglan999

Helix collections DCA - Quick Fit car ins debt 2016 after writing my car off

style="text-align:center;"> Please note that this topic has not had any new posts for the last 247 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi All,

 

I had car insurance with Quick Fit back in 2016 and after writing my car off I cancelled my direct debit as I didnt have a car to be insured.

 

I have just noticed an email in my junk mail from Helix Collections chasing me for the "debt" which is now £200 when i think i only owed about £50 to Quick Fit.

 

they have emailed twice in the past two weeks threatening further action and offering a 20% discount.

 

Shall i just keep on ignoring them??

 

HERE'S THE LATES EMAIL....

 

Our Ref: XXXXXXXX

Debt Type: Kwik-Fit Car Insurance

Client Ref: XXXXXXXX

Balance: �198.28

Telephone: 0203 096 XXXX (Calls are recorded)

OFFICE HOURS 9AM TO 7PM MON - FRI 9AM 1PM SAT

 

Dear Mr XXXX XXXXXXXX

 

 

SETTLEMENT OFFER TO AVOID FURTHER ACTION

 

We write again regarding the below vehicle, reference to the debt for �198.28 registered in your name for a Credit Agreement you had for car Insurance, which was underwritten by Kwik Fit Insurance, on a VAUXHALL on Reg XXX XXXX, which remains outstanding despite our best efforts to date no reasons relating to your circumstances has been given by you or an authorised third party.

 

However, to stop the need for further collection activity, we are willing to work with you on an affordable payment plan, depending on affordability and if you are up to date with your priority debts, we have suggested an option below but are happy to discuss other options.

 

25% DISCOUNT. We are willing to accept the sum of �148.71, to settle your contractual defaulted debt, once this sum has been received the debt is cleared in full.

 

Repayment plans

 

We can offer repayment plans over 6 instalments of �24.79

Maintaining payments or settling your account will be positively reflected if your debt is registered with the Credit Reference Agencies.

 

TO MAKE PAYMENT

 

All payments through the post should be made payable to Hellix Limited with our reference number clearly stated at all times. You can make payment by Standing Order, or if your bank account allows by On-line or telephone banking Quoting Account Number 08763317 Sort Code 09-01-28 and our reference number, you can also make payment at any Santander Branch with our above bank details.

 

Payments can be made by calling 020 3096 5899

 

 

Yours sincerely

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

yes ignore

check you credit file has not been trashed mind.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
yes ignore

check you credit file has not been trashed mind.

 

can they do that without me going to court?? theyve never written to me

Share this post


Link to post
Share on other sites
I had car insurance with Quick Fit back in 2016 and after writing my car off I cancelled my direct debit as I didnt have a car to be insured.

 

You may need to check the terms of the insurance credit agreement, some companies require the full annual payment to be made in the case of a write off. That could be what Helix are dealing with.

Share this post


Link to post
Share on other sites
can they do that without me going to court?? theyve never written to me

 

yes!!

 

and I hope they have your correct and current address

if not you risk a backdoor CCJ too!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

paying insurance in monthly instalments only spreads the cost of the annual premium, it doesn't create a contract for insuring your car on a monthly basis so when your car was written off you should have paid the outstanding balance of the annual premium.

 

What i dont understand is why they paid out the claim without deducting the insurance premiums first- perhaps because they make more money from the credit agreement than they do from the policy- so something to look into when you dig out the paperwork on the claim.

 

So you owe Quickfit some money but that doesn't allow some third party to add an imaginary tax to this sum so you can just send a cheque for the balance of the premium to quick fit as settlement of the debt and if they reject that payment they cant start a court claim as they are clobbered by what is known as mitigating a debt.

Edited by Andyorch
Typos Paras

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...