Right I have gone replied to Apex credit Management using a statute barred reply; highlighting that any further contact will be deemed as harassment. They have acknowledged this and have promised to investigate the situation. Now I am getting a regular supply of letters from them promising that my complaint is being investigated. Is this a ploy to get round the threat of harassment ?

you should be okay . the reson for the second flash is to confirm that your rear wheels crossed the white line without stopping. In your case it will show that you had stopped, so I would reckon that you should not hear anything further on the subject.

I have just had a letter from a firm called Apex who tell me they are working for HMRC demanding I pay for late charging fees for tax year 2004 / 2005 /06 This is was orginally resolved , so I thought, with HMRC in 2007 when I slowly pointed out to them that I was not self -employed during that period and they even knew that I wasnt self employed and admitted it. Now they are off again demanding over £400 from me through Apex , part of Cabot Credit Management. Is this caim, even though it is false, statute barred ?

11 years ago I had a loan through Lloyds which, due to a catalogue of disasters fell into default in year 2. Upshot, it has been 9 years since any payment has been made on this account and the sme amount of time since any communication . Fast forward to January 2015 , a letter arrives from Lowells claiming the debt is still active because I made a payment on the account in 2013, this is not true. i asked them to provide proof of this and tell me the account from which it was made; the clot on the other end of the phone blatantly lied and I told him he was. Funnily enough the phone call was terminated his end. Recently I have started to monitor my credit file and all is good apart from this 9 year old debt, which I believe Lowell are trying to deliberately refresh so they can pursue it. Clearly it is subject to the statute of limitation ruling ( 6 years). how do I stop Lowell from playing tricks like this and how do I get this removed from my credit file ? Any advice would be really appreciated

Excellent result . The Finance Co. have agreed to re-imburse all the payments I have made on the car, plus £1000 compensation .They are taking the car away next week and have already told me to look for another car which will be immediately approved for finance. They are taking the dealership to court to recover their costs and have already put pressure on trading standards to investigate the dealership with the aim of getting the dealerships Consumer Credit Licence revoked. I dont lnow if this is common practice for a Finance Co. to behave in this way , but I am very impressed with the way they have dealt with this issue. Some may take the view that they have gone at the dealership a little heavy handedly, but I think they brought it on themselves , you cannot market a " Dud" for sale and then hope to get away with it. Anyway I hope others that are having undeserved grief with their own cars because of an unscrupulous trader can get an idea of where to go from this thread...

Yes the Car is subject to a Hire Purchase Agreement

Okay this is a problem that I have with a Car I purchased last August (2013) From the get go the car developed problems and despite me calling the dealership where I got the car, and their promises to have the vehicle collected and inspected by their own mechanic, nothing happened. I was on the phone to them practically every other day to get the problems on the car resolved and even took advice form the CAB to get resolution. One bit of advice that they did offer and I acted upon, was to contact the Finance Company who had funded the car and put them in the picture, To be fair they jumped straight on the situation with the dealer and tried to get him to resolve the issues with the car as it was clearly not fit for purpose. Unfortunately they got the same treatment that I got, in that the dealer wouldn't answer their calls, and in their case talk to the area rep for the Finance Co, when they called. We reached a stalemate situation which culminated in the car seizing on Christmas Eve , it has been sitting on my drive ever since not going anywhere, and now on SORN. The item that seized on the vehicle would actually cost £3850 to repair , which is actually worth more than the car. All this time I have been making HP payments on the Car as well as paying for bus fares to get to and from work. Today ( 5/3/14 ),following on from an independant mechanical report that had been carried out on the car and submitted to them, the Finance Co. phoned and said that they are getting me out the car , as there is clearly going to be no resolution to the situation and that I should look for another vehicle which they will happily fund. Okay here is my problem . I thought they have the rite to throw the car back at the dealership and take back the money they advanced for the original purchase ? As clearly the vehicle is not fit for purpose.. The chap who has been dealing with this problem said that they will more than likely throw the car through the auctions and recoup some of the money .That sounded alarm bells in my head as that didn't sound straight. Also taking on board that they can demand all the money back from the dealer, who they have since blacklisted, surely I too can claim back all the payments I have made plus out of pocket expenses, I.E. £200 worth of Bus fares since January. Any advice would be gratefully recieved

Thanks for the information Sidewinder.. Believe it or not I actually raised the point of Health & Safety at the first meeting I had over my knee, this was with the same person I am seeing on Thursday. The result was he disputed that the company was in any way shape or form to blame for the injury I sustained. In my opinion he actually glazed over when I began talking because he hadn't got a clue what UI was talking about. The resuklt of that meeting I got the letter of concern on my file for 6 months.. None of my abscences have been for more that 3 days , I have gone back to work , often unfit because we need the money. My wrist was still in pain when I went back, but the swelling had gone down dramatically and I used a brace

I work for a company where a lot of manual handling is involved. I started with them on agency 19 months ago and was taken on full time in June last year. During my time, both full time and agency, I have been forced to take a couple of days off here and there due to injury sustained in the job. When this happened during my time as agency , the firm were always keen to get me back. I am not the only employee or agency to do this , in fact one agency ended up in Stoke Mandeville with spinal injuries a few months back. The point of this , I have to attend a meeting on Thursday to discuss my recent absence due to sustaining a wrist injury at work. I attended the Hospital where I was told it was soft tissue and tendon damage. The reason for the meeting is because this recent absence follows on from a letter of concern, which will stay on my file for 6 months , because I had a couple of days off due to a knee injury sustained with the job back in September as well as a case of Flu. We don't get any SSP when we are off ill , so really cannot afford to take the time off.. I just want to know what my rights are as the person conducting the interview is widely recognized as a complete incompetent in the firm. And though the job isn't the best in the world, it is better than nothing! A brief overview of the firm ; It employs over 150 people , there is no accident book, we are regularly expected to take out overweight trucks, are paired up with incompetent agency staff ( all the good ones refuse to work for the firm !!) hence my injury. A lot of the trucks have damage to them and we are regularly expected to break our 48 hour WTD , Usually putting in 65 hours a week which means a lot of injuries are sustained through fatigue

Thanks for that silverfox, is there a standard letter I can send them ? And indeed I will check my file dx

I had a letter from the above bunch telling me that I owed money on an old debt. I sent them a statute barred letter, b they have today replied telling me that the debt is not statute barred as I made a payment in September of 2006.. I know full well I didn't make any payment.. so what can I do now ? I think they are just phishing

Thanks for all the great advice ..I really appreciate it .. I have told the DCA to go take a run and jump..Obviously in a less blunt way !

Right then, I recieved a reply from Rockwell following a statute barred letter that I sent to them. In their response they confirmed that the debt was indeed statute barred and they confirmed that they were unable to take legal action to recover the balance. But they went onto say that this does not make the agreement void.. That is the first thing that confused me.. statute barred, can't go to court ..what can you do ?.. They then went onto say that as the debt still exists they are still entitled to demand payment, charge interest, transfer the debt to a third party and register the debt with a Credit Ref. agency. They then came up with a "pay now" offer which amounts to a quarter of the alledged debt.. Finally they finsihed with if no further word is heard in 14 days they will continue with collection activity.. Is this a punt ?.. have they got a leg to stand on when they acknowledge that they cannot reort to court action ? And finally would continued communications amount to harrassment ?.. Any information would be gratefully recieved

Right then , I need some advice regarding Council Tax.. In 2007 I moved into a property as a tenant on an inclusive rent basis, in fact I still have the original advert for the place I rented. For 3 years Everything went along quite nicely , me paying the rent on the nail ,all inclusive , until April of last year , when it came to light that the idiot landlord had not been servicing the mortgages on his 4 "buy to let" properties. as well as his own home. Upshot was that all his properties were repossessed one by one, the first being his own home , the last the house that my wife and I occupied. When he lost his own home , he moved into the home that I was renting..In accordance with my rites, I stopped paying the rent , simply because I and my wife had lost free enjoymennt of the property.. that is not the issue. What is the issue is this : At the end of June 2010 , he, his common law wife , their sons and 3 dogs moved out of the property , but before he did this , without our consent , he put the property council tax liability in my name !!.. This is a house that was about to be repossessed !!. we managed to get a stay of execution for the repossession until September 9th of 2010, when we ended up living in a B&B because we lost our rent deposit , as he had not put the rent into a recognised deposit scheme . I have explained this to the council, but because the landlord is bankrupt, they are coming after us for the council tax.. as they see us as an easy target. Just today they have served us with a court summons. I am beyond livid about this and would really appreciate some advice on how I can resolve this issue.. Many thanks

I need a little bit of advice . My wife and I booked two tickets to go for a break to Amsterdam for next month . Unfortunately we can't go now . Anyway I contacted KLM on their premium rate number to cancel our tickets . I was told flat that I cannot get a refund as it is part of the ticket conditions, I have looked through the terms and conditions and see no mention of " We we will rob you blind and not refund your money if you cannot go !!" . I am ever so slightly P*55ed off over this, in essence they are taking over 200 quid off me for nothing.. I cannot believe that this is remotely fair , or even legal , so decided to get in contact with the site to see if there is any course of action I can take. Any comments or advice gratefully recieved.