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    • 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 bloody long!   Basically 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 balls up 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.   Basically 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 cock-up/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 flipping 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 
    • I am going to email him this evening, he has no idea what he is talking about so I am going to bullet point everything that has happened so far, and everything that has not happened. He seems to be taking the word of Barclays over me, and believing what they say, and what they are saying is wrong. They do not even know what they are talking about from what he has spoken about today.     That is what he said. He said, Barclays told him that even after resolving the debit amount of around £738, my account is still in areas and that's why they haven't made any refund, and possibly (I am unsure) why the Cifas was registered. As I said, there is 100% absolutely no arrears, other than the charge back amount, which they said they are responsible for. If they cleared the charge back amount, which they promised to do, the account would have been in credit by the £150 compensation they said they had paid into the account (They didn't do this, I did a SAR with the bank and have all of the bank statements here) and the money in the account that belonged to me which was between £40 - £70.   I can't even get my head around what he and they are saying, and I am usually on the ball, but I cannot understand what is going on at the minute.   The adjudicator advised against me asking an Ombudsman to look at it as he said the bank might now refuse to accept responsibility for the charge back mistake, even though they had already accepted it was their error. But, he said this and I'm not confident at all that he even knows whats going on.
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delinquentwoody

Someone taken car insurance out in my name/address?

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I received a strange letter in the post today.

A car insurance renewal quote from the AA, addressed to me, for a car I don't have (and have never had), with a named driver on the quote whose name I do not know.

There is no car registration number given, only the make and specific model.

The letter said about switching to the AA to receive the quoted price.

 

This instantly raised alarm bells that someone, somewhere, has taken out a car insurance policy using my name and address.

I immediately rung the AA and voiced my suspicions, and the call handler said they would pass this through to their fraud department to investigate.

 

However I don't feel I've resolved this, as the policy someone has taken out isn't with the AA - it's with someone else - AA were just saying about switching to them.

 

How can I go about finding out who this policy is with, and are there any authorities I should report this to? I'm a bit at a loss as to what to do here!

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I had this at the backside of last year.

was a Mr TOMTOROI named at your address was it?

 

turned out they latterly too up the offer and signed up with the AA and we got all the papers in the post with his name at our address.

time dragged on past xmas.

 

on 2nd of the new year I sent a formal complaint and CC'd the FOS

 

2 weeks later I got £100 out of the AA for not acting sooner.


..

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What this could be is someone living in your area, wanted to get an online quote, without giving their true name and address. This is so they get an idea of the premium, without the Insurers holding onto their details.

 

There are also market research companies and Insurers rating analysts that apply for quotes, based on made up names/addresses. An Insurance company I worked would receive dozens of returned post on a daily basis, where we found that quotes had been obtained using false details. On the envelopes it would be noted, that Mr G Raffe or Mr M Mouse has never lived at the address.


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Thanks for your responses.

 

To give a little more detail, the quote has a named driver of a Mrs L Roberts who I do not know, and the car due to be renewed is a Mazda 6 TS TD 143 which I do not own and have never heard of. Next to registration number it says "Unknown". They have put on a £450 voluntary excess.

 

I'm mostly concerned as I saw something on Watchdog about this a few weeks back, it's a new [problem] done on several thousand people every year, whereby someone unwittingly buys car insurance through an unknowingly crooked broker, who buys them cover online giving a random strangers address and putting them as the named driver. They are then given genuine looking documents minus the real address - but when the customer comes to claim that's when they hit problems. 

 

The programme highlighted cases also where payments to the insurer weren't made properly and so the debt collectors went knocking on the home of the randomly chosen address.

 

I'm strongly suspecting this is what's happened to me - and am concerned that I may get a knock on the door at any point in the future.

 

I've subscribed to a credit file service but can't see anything untoward on there - but I was wondering if there is any other action I can take.

 

 

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Don't worry about this.

 

Someone in your postcode area has looked into buying a Mazda and has entered details into an internet quote site, to see how much it would be. They would have been asked for an address and might have made an error or noted your address, as they wanted to avoid junk mail.


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I think there may be a scenario that explains this quite well that isnt nefarious and it is to do with insurance brokers.

If a broker is training new staff they input a load of stuff that doesnt go "live" and rather than use the name "mickey mouse" they put a random name/address in the fields. This all gets deleted when the trainee has a go at a live quotation EXCEPT when they forget to save the info in the correct place and all of this gets put in to the autofill part of the first quote they give becasue the training file is called up and noone noticed.

 

some poor sod will be comapling to AA or the broker in about a week that they havent got their quote

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