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Hi
I'm not sure if I'm posting in the right section but I hope someone might be able to help.
My daughter has received a "Notice to Issue a Default Claim" from LFS Collections, which is the debt enforcement division of Swinton's Insurance. What is one of these notices? It mentions County Court Judgements.
She took out car insurance through Swinton and was making monthly direct debit payments. 6 months later she changed her car and asked to cancel the insurance because the quote they gave was far too much. They said she had to pay the premium for the full year because she'd had an accident. Fair enough, when we looked in the small print that's what it said. However, she is disputing the amount - they doubled the yearly premium when she moved back to this area after the accident. She didn't use the car except to drive back here as it wasn't really safe and she got the new car a couple of weeks later. She thought she was doing the right thing by telling them the change of addresss.
About a month after trying to cancel the insurance with Swinton she lost her job. She and her stepfather made several phone calls to Swinton's to explain the situation and offer token payments but these were refused. She then wrote to explain and offer token payments but didn't even get a reply.
We then wrote to the CEO of Swinton and they appointed someone to investigate. This investigation is ongoing, with corrrespondence between her and Swintons.
However LFS are being very aggressive in their approach in my opinion.
They wrote, dated 26/11 (postmarked 1/12 and replied to on 3/12 - Friday), saying that she had to pay the full amount and, if necessary, they would arrange legal proceedings within 28 days.
They sent a Final Notice dated 6/12 (the Monday when she'd only received the previous letter on the Thursday before). This was received on 8/12 and we replied the same day, saying that she is disputing the amount of the debt with Swinton's, but not the debt itself.
Yesterday (16/12) she received the Notice of Intention to Issue a Default Claim dated 13/12.
She started a new job at the beginning of November but gets paid monthly so money is still very tight for her. They have phoned her on her mobile when she is at work and obviously she can't answer then. She can't afford to phone them back as she only has a mobile and their number is an 0845 number.
What does she do now? She is young and doesn't want a CCJ as she will be looking for a mortgage in a few years. Her letters come to my address though she doesn't live here and I am having debt problems at the moment. Is this affecting the way they are dealing with her? She lives with her boyfriend in his Mum's house and she obviously doesn't want anything adverse being marked against that address.
Thanks
I'm not sure if I'm posting in the right section but I hope someone might be able to help.
My daughter has received a "Notice to Issue a Default Claim" from LFS Collections, which is the debt enforcement division of Swinton's Insurance. What is one of these notices? It mentions County Court Judgements.
She took out car insurance through Swinton and was making monthly direct debit payments. 6 months later she changed her car and asked to cancel the insurance because the quote they gave was far too much. They said she had to pay the premium for the full year because she'd had an accident. Fair enough, when we looked in the small print that's what it said. However, she is disputing the amount - they doubled the yearly premium when she moved back to this area after the accident. She didn't use the car except to drive back here as it wasn't really safe and she got the new car a couple of weeks later. She thought she was doing the right thing by telling them the change of addresss.
About a month after trying to cancel the insurance with Swinton she lost her job. She and her stepfather made several phone calls to Swinton's to explain the situation and offer token payments but these were refused. She then wrote to explain and offer token payments but didn't even get a reply.
We then wrote to the CEO of Swinton and they appointed someone to investigate. This investigation is ongoing, with corrrespondence between her and Swintons.
However LFS are being very aggressive in their approach in my opinion.
They wrote, dated 26/11 (postmarked 1/12 and replied to on 3/12 - Friday), saying that she had to pay the full amount and, if necessary, they would arrange legal proceedings within 28 days.
They sent a Final Notice dated 6/12 (the Monday when she'd only received the previous letter on the Thursday before). This was received on 8/12 and we replied the same day, saying that she is disputing the amount of the debt with Swinton's, but not the debt itself.
Yesterday (16/12) she received the Notice of Intention to Issue a Default Claim dated 13/12.
She started a new job at the beginning of November but gets paid monthly so money is still very tight for her. They have phoned her on her mobile when she is at work and obviously she can't answer then. She can't afford to phone them back as she only has a mobile and their number is an 0845 number.
What does she do now? She is young and doesn't want a CCJ as she will be looking for a mortgage in a few years. Her letters come to my address though she doesn't live here and I am having debt problems at the moment. Is this affecting the way they are dealing with her? She lives with her boyfriend in his Mum's house and she obviously doesn't want anything adverse being marked against that address.
Thanks
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