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    • for the sake of history, i've merged your old sadly failed charges reclaim court claim. have they ever sent you a default notice regarding this mortgage? dx  
    • I am financially at  point where I can see the light at the end of the tunnel regarding my debts. I have one remaining and I am interested to see what my options could be. I have be in contact with the Citizen’s Advice Bureau and the National Debt Helpline, but their advice has been a little more generic (but still helpful). This debt is 12 years old and is now owing around £3k. It was a bank loan and has been passed to several creditors over the years. A payment plan has always been in place and is up to date. I get statements every 6 months. There has never been a CCJ. I have been sent the letters advising of change of ownership. Following my own review of my finances, I decided to contact the current creditor to see if they have a copy of the credit agreement. I regarded this as due diligence as the debt has been sold on several times. The creditor updated me several times saying they had requested the document from the original lender. After 12 months of this they wrote to me saying they had not received it but were still waiting and would send it once received. The last letter was over 6 months ago. I then submitted a freedom of information request to the current and original creditor. The original creditor supplied one, but the current one did not include one in the pack they sent me. I went back to them to ask specifically about this as it was what I requested in my request. They replied saying the debt was sold to them as one without the credit agreement and they did not have it. They have requested it above, so I believe that means they cannot obtain it either for the FOI request. I contacted the original creditor and exercised my ‘right to be forgotten’, under the Data Protection Act, which they have complied with. I also got my up to date credit file and this debt is not showing on it with the current creditor or any others. I contacted the creditor and made them an early settlement offer. They do have an early settlement offer in place on their portal, but I was advised to try to get a reduction via negotiation. I have not heard back from them yet, but I understand through a separate upheld compliant it has or will be refused. Due to this complaint and the creditor putting the account on hold I had stopped payments, and advised them of this. To date, they have not contacted me about resuming payments since the complaint is resolved, but it has only been a few weeks. I am annoyed that they were not honest with me about not having the credit agreement, because that is not being transparent and I understood they should tell you if they do not have it.   I have two questions (but am open to anything else anyone would like to add): 1) Based on the above, does anyone think this account enforceable? I do not think it is? 2) Does anyone have any suggestions on how to proceed? I could resume payments and then settle early. If the above had not happened, I may have just done that. Thank you for any help or input anyone can provide. It is appreciated.
    • The main thing is to stop shoplifting because it could be worse next time. If you think you have mental health issues that led you to do this, please go and have a chat with your GP. They won't judge you and should be able to get you help if you need it. HB
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Hired Van - Mystery Damage


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Hoping someone can please help with this. My stepdad hired a van to help my brother move house, and had to pay a £100 deposit.

 

He used the van, it was then collected by hire company and taken back to their depot. He then had a phone call telling him there was damage that he had failed to inform them of, and not only are they keeping his deposit they want £205 + VAT. :eek:

 

He is absolutely adamant that he did not damage the van. Surely it should have been checked when it was collected, who's to say it wasn't their driver on the way back to the depot?? :-x

 

Can someone please advise what he should do, he's refusing to pay the £205 but wants his deposit back, £100 is a lot of money.

 

Thank you :(

If I've helped please click my scales! :)

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I would say that unless the van was checked when it was collected and the damage pointed out to your stepdad at the time, then they haven;t got a let to stand on.

I work in a garage so have seen it with customer vehicle's and hire vehicle's alike. If we didn't point out the damage to the customer at the time, he would tell us to go whistle!

Good luck

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Hi btb

First course is to visit the hire company yourself and see what (if any) damage they are accusing you of. Take a camera with you to record the damage.

Ask them for the name and address or telephone number of the driver who collected the van. They will probably refuse quoting data protection.

 

You should then write to them (recorded) asking who their insurance company is and for a copy of the statement from the driver that the damage (if any) was on there when he picked up the van.

 

This may be sufficient for them to return your deposit and withdraw their demand.

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It is also worth checking the form he signed outlining the damage already on the vehicle when he collected it. Did he go round and verify all the marked dings were there? This is often a problem when coalescing a vehicle, you need to verify what they know about and if it is shown on the renter's initial damage list.

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Ok thanks everyone, will pass the advice on to my stepdad and let you know how he gets on. Thinking down the line, if my stepdad was to threaten court action to reclaim his deposit, I'm assuming the burden of proof lies with them??

If I've helped please click my scales! :)

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Yes - but they could prove this easily by showing the 'Ding' report prior he signed at collection, and the same report provided at return. That's why it is better to negotiate in the hope he can convince them the ding pre-existed. To support his case, he could ask for sight of the previous ding reports for the vehicle to prove their accuracy (as a ding could have been on a previous hire form but NOT on the one he had, making it look 'new'.

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I don't think they did any sort of checks when it was collected, and then the alleged damage suddenly appeared back at the depot. So surely they can't prove it was there when my stepdad handed the keys back to the driver? He is absolutely sure he didn't hit the van, and to cause £200+ damage I think you'd realise you'd done it!!

If I've helped please click my scales! :)

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No they wouldn't - it was your stepdad's responsibility to check the vehicle before driving off to ensure the hire company had accurately recorded all blemishes - if you don't, you run the risk of being responsible for someone else's damage.

 

It is IMPERATIVE that when hiring any vehicle you receive a pre-existing damage report, or walk round with the rep as the report it marked up.

 

As for the cost, £200 would cover a minor dent and a paint respray of the panel of the hired vehicle. You also have to pay for the time it is out of service at the workshop so the fee isn't untypical.

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Buzby, the van was checked when first given to my stepdad, he did walk round and check it with the rep. The damage they are now claiming has appeared was not there. But the van was not checked when collected from my stepdad.

 

So are you saying it is for my stepdad to prove it wasn't him rather than the hire company prove it was him that caused the damage?

 

I wasn't saying the cost was expensive, I know it's a standard panel repair, just from the way they've described it he would have realised he'd hit it, which he swears blind he didn't.

If I've helped please click my scales! :)

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if my stepdad was to threaten court action to reclaim his deposit, I'm assuming the burden of proof lies with them??

 

No. The burden of proof lies with claimant, not defendant.

 

However, if the driver didn't do a check and point out the damage on collection, signed for by your stepdad, the "there is damage, therefore you did it" defence is unlikely to be sufficient, as there'll be a window of time where the van was no longer with your stepdad and anythign could have happened. In court, the judge will have to decide on balance of probabilities whether it is more likely that your stepdad damaged the van, the driver collected, and damage was noticed on return to depot, or whether the damage was sustained after the van had left your stepdad's.

 

The T&Cs should help indicating whether there is a standard procedure for checking vehicles in and out, and your stepdad will need to double-check that to see whether that procedure has ben adhered to.

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It is the hire company's responsibility to check for damage that may have been caused upon collection from the hirer. Just as they check for the amount of fuel left in the tank which they can charge for if it isn't full.

 

Where has £205 come from? Seems a bit quick to come to this amount when it appears they collected the van and then phoned, I assume, straight away.

 

The excess alone would be at least £500, I know as I have hired plenty of vans of all sizes.

 

The driver of the hire company should have inspected the vehicle, signed the form, and then got the hirer to sign the form too, pointing out any damage or none.

 

Demand your deposit back.

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