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    • I wonder if anyone can help me. I had a loan with a high street bank from about 10 years ago and I had to stop paying because I lost my job. I reduced my payment to a token payment for a few years but I then ceased this some years ago because I took some advice from an online forum which said that I should ask a ‘Subject Access Report’. I did this and I also asked for a copy of the contract with both signatures which highlighted that myself and the bank had a contract and what its terms were. As the loan was made up of an overdraft and a formal loan I thought they would have paperwork. However, eventually the bank responded by saying that they had no contract and they admitted that as such it was not enforceable in court. Over the last year, the bank have again appointed Moorcroft Debt Recovery Limited to use their strongarm tactics. I have not been responding to the last couple of letters asking me to contact them to arrange a payment plan and now their letters are becoming more threatening. Here is the text of their latest letter……. Quote   We are aware that you have failed to agree an affordable repayment plan with us concerning the above account.   As no agreement has been reached we are now in the process of reviewing your account to consider the steps which may be taken in relation to further debt recovery action. The options include recommending one of the following:   ·         1. Continue in our attempts to contact you by letter and phone. ·         2. Instruct a local representative to arrange to call at your home address to try to re-establish contact with you.   To prevent possible further action you must contact us. Failure to contact us by the 22/10/19 will result in one of the aforementioned debt recovery actions being undertaken without further notice.  Unquote As you can see, they are now getting more threatening. I really do not want people knocking at my door – does anyone have any ideas as to what I can do to sort this situation? I do not want to pay for something that seems unenforceable but I do not want knocks at my door either. Any help would be appreciated.   Kind regards    
    • Yes it was a tomlin/consent order I have a recent statement its not showing any additional charges on it. The statement does not show the balance to pay each month, as the contract was terminated in March 17 and the termination bill was added to the account so my payments reduce the account balance £14262.38  Capital £6995.00 Interest £7213.38 Plus 3 x £18 charges  I presume if it went to court again I would be notified?    I thought court costs and charges could increase a balance owing but not be included in arrears or court proceedings when listing the amount owing, or am I wrong?    
    • Check to see if they are adding monthly charges inflating arrears as per DX.
    • .So I’ve been at the flat for a number of years , you had to be a certain age back then, now all ages and couples with young babies get put here , first floor , no garden not a good area not so bad either .   ive just had a letter to say I’ve been taken off the list to transfer to a more appropriate home ,  no notice just taken off, council are saying my age group no longer qualify.. I spoke to equality and human rights council they suggested I complain siting The Public Sector Equality Act 2010. ( The General Duty and Specific Duty)  relating to age discrimination.      But I’ve also come across this in LAW Quarterly online Mag.    LHA’s allocation scheme suspending applicant’s ability to bid (R (Alemi) v Westminster City Council) The High Court has held that Westminster City Council’s allocation scheme suspending certain applicants from bidding for social housing for 12 months breached section 166A(3) of the HA 1996 (setting out which groups of people should be given reasonable preference when allocating housing).   Interesting i thought?               
    • so you've had a notice of assignment then?   if so that's rare for nasty west to sell it on they typically litigate themselves so I bet the debt is vastly inflated with penalty charges and the interest they attract.   i'd be sending NW an sar get all the statements. then go thru them with a fine toothed comb.   could be £1000's to reclaim....   pers i'd stop paying   what was the original debt amount and what is outstanding now a bit more info on the history please   dx    
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hightail

What are the implications of identity theft for insurance fraud?

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My very elderly father sold his large house around six years ago and moved into sheltered housing/assisted living in the same village. 

I also live in that village. 

The buyers of his property still put mail for him through my door or hand it to our postie to do so. 

 

Recently we've had a spate of mail, addressed to my father at that old address from Hastings Direct. 

This has included various requests for information, a black box thingy and now demands for money for unpaid premiums. 

It's pretty obvious someone has taken out motor insurance in his name at his old address.

 

At every stage, after every letter, he has phoned the company and explained the situation but they do nothing. 

I know if we didn't live in a village with an old fashioned postie we wouldn't even know this was happening but we do and it worries me. 

 

We're up to the point where they're threatening DCAs which I know aren't a problem

but I'm damned if I'm going to see his credit file trashed because insurance companies don't care about such fraud. 

 

Where can we go to ensure Hastings Direct sort this out?

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is it on his credit file?

 

dx

 


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Posted (edited)

Not yet DX but as we can't seem to stop it progressing I have a fear that's where it's going to end up.  Hastings Direct seem to think it's amusing, they're very pleasant on the phone but the situation continues to escalate.

 

editing to add:  I don't know what further implications there may be and that worries me too.

Edited by hightail

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Perhaps your father sends a GDPR subject access request to Head of compliance/Data Protection officer at Hastings Insurance. Explains that he now lives in sheltered housing and it appears someone has tried taking out Insurance in his name using post that has gone to an old address.

 

Think your father has a right to see what data Hastings have processed, as it appears to be his data, even though he was not involved in any dealings with Hastings.

 

Given age of your father, sounds like the person taking out the Insurance has not given your fathers date of birth, as black boxes are mostly for young drivers. So only name and address may have been given. Which begs the question, as to why Hastings basic checks failed to realise there was an issue when policy was purchased.


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Spot on UB.  My father’s date of birth is the only thing which causes whoever he speaks to at Hastings to eventually believe what he’s telling them.  

 

Each time, each phone call leaves him believing it’s sorted - and then the next letter arrives.  

 

Unfortunately he gave his current address to them last time because they want their black box back and are sending a prepaid bag.  

 

It seemed a reasonable request to an old man but I have no faith they won’t just ‘update their records’.

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Posted (edited)

The SAR may reveal what age was stated for the driver, even if a precise date of birth wasn’t given. So much the better if they took a date of birth (or driver number, from which DofB can be derived).

 

Send them (in the pre-paid envelope):

a) a print out of this thread

b) a printed pic of a black box (since it is a bit like the black box they want back, but with a different source [address] to the one they sent out / and different date of birth)

 

Hopefully that will get the message across....

Edited by BazzaS

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Given that this driver who took out Insurance using false details may now be driving around without Insurance, perhaps Hastings should be making a Police report. 

 

This is on the basis that they may have given a correct number plate, but could not afford Insurance based on their true details.

 

Hastings may still be receiving data from the black box and if so the Police could be given this information. 

 

Suggest this to Hastings, when you write to them.


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Posted (edited)
1 hour ago, unclebulgaria67 said:

Hastings may still be receiving data from the black box and if so the Police could be given this information. 

The black box is sitting on my father's desk because it came to him by Royal Mail.  I presume insurance documents went by email to whoever took out the insurance in his name which is how they get away with doing this.

 

Edited by hightail

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1 hour ago, unclebulgaria67 said:

Given that this driver who took out Insurance using false details may now be driving around without Insurance, perhaps Hastings should be making a Police report. 

They don't seem to care one little bit.  I thought insurers were hot on fraud but it seems only when someone is making a false claim.

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its very common 

I've had it twice in the last 10yrs.

 

last time after repeated calls and webchat....I killed it by sending the CEO an email with scans of the docs etc.

and said if I heard from AA insurance again i'd sue them for harassment.

 

got £100 out of them. as a sorry.

 

dx

 

 

 

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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 

 

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