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    • I doubt they'll take a blind bit of notice TBH you could quote the FCA rules to them, but I doubt they even know who they are even though I assume they are FCA registered.?? go check the company name on the FCA register that they should quote at the bottom of all correspondence.  
    • its not a letter from PRA  its a large brown windowed A4 envelope from northants bulk county court - a court claim pack. you DO NOT ignore  you DO NOT contact the fleecers or their dogs. his next time..never ignore a Letter of claim never run from debt never move without informing ALL your debt owners in writing   ... you are lucky this was not filed to an old address and 1st you'd know is bailiffs at your door   please complete this:      
    • Thanks for your reply. Should I email them stating that the penalty is unlawful?
    • Hello,   I'm brand new here and am hoping someone might be able to give me some advice. Sorry in advance that this is so long!   a couple of years ago Property Management Company Ltd sent Debt Agency 1 after us (both saying they acted 'on instruction of Leaseholder Ltd' - separate company) for late payment of our service fee on our flat (200 miles away, tenanted since purchase).   We hadn't owned the house long and, in spite of us chatting to Property Management Company Ltd all the time various things to do with our tenants and them having multiple records of our real correspondence address, they sent the bill to our tenants, so we didn't realise we were late with it.   We wrote to them and politely pointed out they had multiple records of our real postal address. They admitted it was their mistake, we paid, charge was removed, they said they would update records and email service charge in future, all fine.   Last week Leaseholder Ltd sent Debt Company 2 after me about 2 x unpaid ground rent plus collection fee, they had also been sending bills to the tenants address. I had received one bill from Leaseholder Ltd for GR since purchase, sent to correct address, but that was ages ago. I paid it straight away at the time, but I guess it never really crossed my mind how long it'd been since I'd received one.   Explained to Debt Company 2 that had received one bill ages ago, that suggests they did in fact have my address? They claim they didn't, and tenant or lettings agent must have opened letter and forwarded.   Also explained to Debt Company 2 about previous mistake with Property Management Company Ltd and Debt Agency 1, and explained both said they were acting on Leaseholder Ltd's behalf - so surely one of them told Leaseholder Ltd, once it was all resolved, that the issue had been down the the address mix up? No, says Debt Company 2, Leaseholder Ltd has never heard of your London address, nor did they instruct Debt Agency 1 to act on their behalf, and it's 'very illegal' that they claimed they were acting for them. So no idea what's going on there.   Leaseholder Ltd say it's not their fault no one gave them the right address. I say it's not my fault that Debt Agency 1 and Property Management Company Ltd both gave strong (and apparently illegal) impression that they were speaking on Leaseholder Ltd's behalf - leading to my assuming there were across the details of the dispute and therefore were made aware of the mistake/resolution.   I know I'm not totally blameless; I should have realised it was weird getting one bill and then none after but we get so many bills I just pay them as they arrive and move on.   Am I wasting my time, would you all just pay it, charge and all? Seems really unfair given I was under impression I was talking to intermediaries when I wasn't.   Thank you in advance.
    • the charge is a unlawful penalty 
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Brandonflower123

Car credit Hire and difficult third party insurance

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Please can you guys advise me what I can do. The Third party insurance making it very difficult and seem like they are looking for ways not to pay. If this is the case I will be liable for the costs, which would set me back in life.

 

 

 

Background

 

1.I had a collision, and claimed for the damage to my car personal injury.

(it was non-fault but the Third party claimed 50/50). The case went one.

 

2. Third Party gave me a cheque for half on non-prejudice basis. The day they sent this, My solicitor took the hire car back from me.

3. Cheques take some time to clear, However I saw a car I liked. I asked for a loan from my cousin, on the basis that I pay him back when the cheque clears. (he previously said no, as I had nothing to pay him back.

 

A few months down the line my solicitor called me. They cant get a better offer than 50/50. Its his word against mine.

 

I asked what will happen to the hire car fees. They said you will get half. The other half will be written off by the hire company. I agreed.

 

I thought everything was done,. but 7 weeks later...

 

Issues

1. Third party wants proof I brought a car (I give them insurance documents)

2. Third party checks my bank statements. They ask were is the transaction for the car. (The car was brought cash in hand, I gave them proof of the bank transactions of my cousin loaning me money, plus screen shots from his bank. And screen shot that he paid my insurance money.

3. Third party gets in touch again. Where is the cheque we gave you and why did you not borrow money earlier. (I sent a screen shot of the cheque in my bank and said no one wanted to give me a loan) but once the cheque was posted I had people willing to loan me money as I had means to pay them back.

 

not heard anything back yet.

 

 

Questions

 

Why are they making it so hard? I just want this to over. My life has been put on hold. Because I am afraid of what may happen if they refuse to pay.

 

I seen many posters around about the same situations, but never the final result.

 

I just don't want to keep prolonging this. I have provided enough evidence to show the need for a hire car, plus they have my bank statements they know my financial situation.

 

what more do you think they can ask?

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Hi and Welcome to CAG

 

I have moved your thread to the appropriate forum...you should get a response shortly

 

Please continue to post here to your thread.

 

Regards

 

Andy


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

 

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Basically it is of no concern to them what you did withy the money. Tell them to get knotted.

Edited by Andyorch
Quote unnecessary

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That is what I think but thinking more.

 

-they may want to know if I had another car while I had the hire car. Hence there questions 1 and 2

- they are disputing the length, hence why they asked for question 3 and why I couldn't borrow money earlier.

2.

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Basically it is of no concern to them what you did withy the money. Tell them to get knotted.

 

I really do agree, but Im just afraid that I will have to pay for the hire car.

 

My use of hire car is justified, and they are trying to find a way to get out of it

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I really do agree, but Im just afraid that I will have to pay for the hire car.

 

My use of hire car is justified, and they are trying to find a way to get out of it

 

 

How long was the hire for?

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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 The National Consumer Service

 

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

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