my insurance is due for renewal in september. Area manager of kwikfit came to see me today very apologetic and assured me it will be fully repaired , they will cover all costs and provide me with a courtesy car while it is being repaired and returned back to me like new . with it being the weekend , he will get the ball rolling monday and contact me again monday

morning and thankyou for the reply . will my insurance go up due to this even though its not my fault

evening all , i am looking for a little advice as to what to do next . i took my car in for its MOT today at my local kwikfit and it passed im happy to say , i was handed my keys and certificate and i went to retrieve my car. i got in started the engine put my seat belt on and released the hand brake after puting it in to reverse and hadnt moved when there was a bang at the back , i looked in my mirror and saw a car going back into a fitting bay . i got out and looked at the back of my car and my bumper is all scuffed and and chunk missing out of it and my tailgate didnt at the corner . the employee had reversed out of bay without stopping and because carpark was full come out at an angle and hit my car . i reported it amediatley to the manager who apologised and that they take full responsability . i told them ok , but what are they going to do aboput it and he said he would get intouch with area manger and my response was i wasnt leaving until he had contacted him and that i had some form of letter stating the responsability and signed , which he did. he also told me that it was the emplyees first time at doing brakes on his own and should have reversed out with caution and the area manager would contact me tomorrow firstly sorry for the long story but i wanted you to get the full picture , my questions are 1. do i contact my insurance 2. do i report it to the police 3. do i wait for them to contact me or go back first thing in the morning thankyou in advance for any assistance anyone can give

with it been six years and three month old they may leave it be now. fingers crossed still nothing showing on credit report either

hi all , received a letter today from robinson way and it states dear mr xxxxxx we refer to the above account which will no longer be managed by this office all future payments and correspondence should be sent to our client directly, if you were paying us by standing order please cancel that instruction thankyou for your cooperation does this mean that's the end of it or will I be pestered some more later down the line I would just like to thank everyone for all the help I have been receiving on here ,you are all great!!!!!!

thanks for that dx , I have sent your template letter to them and awaiting reply the letter they sent me says as follows dear xxxx further to your recent query , our client advises that the last payment received for this account was £5.00 in February 2009. the account is therefore not statute barred. please complete the enclosed financial statement and return with your affordable proposal for payment within the next 14 days

this is the letter I will be sending to them, I have just added a bit to the statute barred letter template . is there anything I need to add Robinson Way Quays Reach Carolina Way Salford M50 2ZY Dear Sir/Madam Reference No: xxxxxxxxx Your company has contacted me in respect of the above account which you claim is owed by myself stating I have made an alleged payment in 2009. I have no acknowledgment of this payment and you have not provided me with a copy of the alledged payment. I am requesting a copy of this alleged payment I am supposed to have made as you stated in February 2009 and as I have stated I have no acknoweldment of any such payment and again would like to advise you that the account is statute barred. It is my understanding that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued". I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period". The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me/us in the relevant period under Section 5 of the Limitation Act, I/we suggest that you are no longer able to take any court action against me/us to recover the alleged amount claimed. The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970". You have also stated that a door-step collection could be sanctioned in regards to this alleged debt, Please be advised that I will only communicate with you in writing or email. Should it be your intention to arrange a doorstep visit, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you. There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. I look forward to your reply. Yours faithfully

am i right in thinking if it is no longer on my credit file that robinson way are just trying it on then

ok thankyou,i will post there response when i get . thanks again for all your help

so send statute barred letter again?

Hi dx thankyou for the reply. I sent them the template letter only After the six year date which was in march I waited until it was no longer on credit file before sending it. Do i need to send proof and if so what proof can i send.

hi everyone , I thought I was rid of robinson way after sending statute barred letter but I have received a letter today saying that I have made an alleged payment in 2009 for £5 and it is not statute barred and I need to pay the full amount. I have checked my credit file and this debt is no longer on file it has dropped off, are robinson way trying it on because I have never made a payment at all to Santander or robinson. any advice would be appreciated and thankyou everyone.

thanks everyone , I will monitor it and hopefully I wont be harassed too much

hi its just a copy of change of address form nothing else

hi and thanks for the reply , I changed banks 2007 when I started my reclaim of charges and moved all direct debits to new bank so from then on nothing was going in or going out and I have denied all knowledge of the debt since /refused to pay the amount as it was all charges. they never renewed my bank card in December of 2007 or sent me anymore statements either. I was told on here that the default date on my credit report is not a true date as they default it upto three months earlier is this true? do I need to send any letter to robinson way or should I put up with the harassment until end of march then send statuted barred letter . the 8th of march 2008 is the default date on my credit report

hi everyone , I had an account with Santander and due to redundancy and time it took to get another job I ended up with quite a lot of charges on my account and like everyone else at the time I tried to claim them back and again like most got no where because of the court ruling. Santander closed the account and I never heard a peep from them until a few months ago when I got a letter from robinson way demanding I pay the money on the account. I sent them the dispute letter and that I don't recognise the debt and a month and a half later I received another with an attached piece of paper with my name and account number on it from 1995 when I changed address and that I need to pay the amount in 10 days ,i didn't ask for this so I don't know why they sent it to me . this account according to my credit report will be six years old in first week in march, should I wait it out or will it be statuted barred already? thankyou in advance for any help anyone can give me

hi dx , I suppose because I thought that is what I had to do with them acting on behalf of Santander . should I send the do not recollect this debt letter again or statute barred one. I thought I had heard the last of it when I sent last letter as I heard nothing from them for a month and half. also is it like you said the default would be at least three month previous to the actual default on my credit report? and thankyou for all the help and advice you are giving me

hi everyone , I got in touch with robinson way and told them I am disputing the account and they got back in touch saying they have stopped all collection proceedings and referring back to their client. I have received a letter today stating further to your request for a copy of the agreement for the above account please find enclosed releavant documents for your attention please note if an original credit agreement was not available,under the consumer credit act ,a reconstituted copy may be provided as this account is overdue for payment ,please now contact us with your proposals for the settlement of your account within 10 days. I didn't ask for a copy of agreement , I disputed the money saying it was all charges and don't acknowledge the debt as it is six years old (default on the account was 8th march 2008) im at a loss at what to do , if any one can help me or any advice they can give , it would be really appreciated.

hi dx got my first letter from robinson way stating they are collecting on behave of their client Santander and should contact them to pay up or set up a payment plan. as the default is with Santander ,should I ignore them or contact them telling them the account is in dispute and deny all knowledge of the debt as it is charges

Thanks dx for all your help i will wait and see like you say . i will keep you posted if i hear anything

hi again ive checked all my statements and the last time any money was put in was in November 2007 I moved banks then. ive also still got the letter they sent me in august 2008 saying they are keeping me updated and that they are awaiting the results of the test case and if I was in financial difficulty to fill in the attached form does this count as activity on the account and what should I do when robinson way start contacting me

this is the letter I was sent . I don't understand why they have waited all these years to send a letter like this. I will check the statements but im pretty sure I stopped using the account before the date they defaulted because I started my claim in 2007 for my charges

i still have all the statements they keep sending out. when i was claiming my charges back i didnt hear a peep from them then out of the blue in 2009 i started getting a statement if you can call it a statement ,just a headed piece of paper with an amount on which is what they claim i owe

hi ive checked report its saying start of default 21.3.2008 account start date 6.1995 thanks for all the advice your giving me

I think it still is yes i havnt checked for quite some time