Help composing letter to solicitor, please?

[Hopeful1]

My god Rory! If that were the case, wouldn't that be a sucker punch. Do you think that any other of the DCAs may be operating without the correct licence for collecting money?

[PriorityOne]

Originally Posted by rory32

Yes

... Fantastic! I would so love to be able to get them on this one. Moorcroft are one of mine as well.... Someone please, please come on here and tell us that they DON'T have a licence....

[deedee1310]

Originally Posted by PriorityOne

... Fantastic! I would so love to be able to get them on this one. Moorcroft are one of mine as well.... Someone please, please come on here and tell us that they DON'T have a licence....

Hello Hopeful1.

I just found your thread last night and have just finished reading it. What a palaver you have had. I have subscribed as I have similar problems with DCAs at the moment. I am trying to get various bits of rubbish removed from my credit file, so I have read your thread with immense interest.

If I cannot offer advice, I can most definitely offer my support.

I'm not quite as far ahead as you yet. I am counting down until default of my various CCA requests. Some will default this coming week the others the following week.

I will start my own thread and update with progress. In the meantime I wish you all the best. You have been magnificent so far. Yes, you're right what a difference a few weeks makes!

deedee

[Hopeful1]

Hey Deedee - thankyou for your post and WELCOME !!

Do start your thread and i'll follow it too. It's brilliant watching what the 'professionals' advise people like us who are not quite up to speed.

It is messy at the mo' with so many DCAs, but at least now i feel better prepared. I spend half my life on this site, so i've got to make it worth while and learn quick!!

[spiritgirl59]

Hi Hopeful1

deedee has directed me to this fantastic thread! WELL DONE so far.

You and I are in a similar position. I'm subscribing to your thread and hope that's OK.

Mine is "Spiritgirl -v- Various DCAs" (not sure how to do a link for you on here) some of the stuff on there may be of interest and some of the stuff about the DCAs will at least make you smile

I'll be following your updates with interest!

Best wishes
Spiritgirl

[Hopeful1]

Thanks for subscribing Spiritgirl . I feel as if i've had it quite easy so far compared to a lot of others on the site. I do think that things could get a bit rough with the likes of NCO and MBNA now. The difference is, i can sit back and respond rationally, rather than in a state of panic like before at the threat of court action. More importantly, anything i'm not sure of, i now have somewhere to turn to for advice.

Anyway, i'm going to "pop over your way" now to subscribe!

Best wishes

[deedee1310]

Awww - I'm so pleased to have introduced you both!

Now we can all compare notes on our DCA battles.

I love it!

deedee

[joneshousehold]

Right now this is an interesting development. Unfortunately I have been busy at work and have not had the opportunity to check this any further. I have already told Moorcroft that I will not communicate with them as they do not appear to be licenced. The have written again and ignored the comment. I will have to do some more research when I get the time! I thought the OFT published a list of who is registered but I am not so sure now. I will look as soon as I can unless someone else posts here before hand.
Is there perhaps a thread for Moorcroft already - you would have thought so. Has anyone else looked into this on the forum?

[NitrousOxide]

Originally Posted by rory32

joneshousehold, you would have read probably on the OFT's website that they need to have a consumer credit license.

You are likely to need a licence if you want to:

• sell on credit
• hire or lease out goods for more than three months
• lend money
• issue credit cards or trading checks
• arrange credit for others
• offer hire purchase terms
• collect debts
• help people with debt problems
• advise on people's credit standing. credit license.

I can't find a public registrar of companies. You may wish to e-mail the OFT (as they issue the licenses) to check. E-mail address is mailto:enquiries@oft.gsi. gov.uk

The very licence Cabot (sorry I know it's OT) need to have to collect. Therefore contradictory to what they claim, they are classed as a creditor as far as I can see.
This means (now on topic) that those who have the "Correct" licence are in fact creditors. There is as far as I can remember only one type of consumer credit licence, it just states different business practices.
According to the OFT website:

The Consumer Credit Act 1974 requires most businesses that offer credit or lend money to consumers to be licensed by the OFT. This includes where credit is arranged to finance the purchase of goods or services. Licensing arrangements may also be required by debt collectors, debt advisors and businesses that offer goods for hire or leasing. Trading without a licensing arrangement is a criminal offence and can result in a fine and/or imprisonment.

[deedee1310]

OMG Nitrous!! Has anyone compiled a list of DCAs with/without licences yet? Maybe we should start one?!

Anyway I will ponder that (in my subconscious mind), whilst I sleep. I'm off to bed now. I'm such an anorak. Can you believe I've only been a member for 2 odd weeks.

No doubt your response will result in some interesting responses later. I'm so jealous. I'll be at work in my new job (I start today), so will have to listen and be interested when all I really want to do is check my subscriptions.

Good night for now.

deedee

[Hopeful1]

Well i have only just read the last few posts as i've been away. I am a bit slow at understanding all this legal jargon, but i am going to have a go at doing some digging. I am happy to start a Moorcroft thread. I'll probably do it in the morning as i'll have a little more time. At least we can try to gauge the experiences/reactions of others.

An update on my current situation:

BCW continuing to leave messages, despite being close to going into criminal default.

NCO have responded to my refusal to reveal who i am on the 'phone with a card from Mr Brown. I am now going to look for the "sorry i won't be inviting you in for a cuppa so back off" letters!

OH's MBNA have begun sending 'sympathetic of situation' e-mails, 'please ring so we can help'. They are in default with CCA and only have a few days to respond to S.A.R. Am going to send complaint e-mail to a named person. All this messing is ridiculous.

Hey ho. Time to do some work, which is very inconvenient when i have so many letters to write!!

[Hopeful1]

Here's the link for the special Moorcroft thread:

http://www.consumeractiongroup.co.uk...moorcroft.html

[Hopeful1]

Quick question: i am currently sending out letters for OH for reclaiming charges. However, he would be unwilling to go to court/fill in bundles etc if it came to that. Would i be able to act on his behalf? At present all letters i send are typed with his name to them. (Obviously he's aware i'm sending them!)

[spiritgirl59]

Hiya Hopeful1

I typed up all the stuff for my husband to claim back his charges.

We had various accounts, some in his name only and some in joint.

Obviously with a joint account either of you can take action (and don't be fobbed off if the Solicitors write to you telling you that it is a JOINT account and therefore both of you have to take action as that is b****ks. - EITHER of you can commence proceedings as you are both jointly liable for a joint account. There is something on my bank threads about this, I will find it for you and put it on here.

As for your husband's own accounts, my husband too was not keen on going to court either but in the AQ there is a section where you can state if you intend to bring any witnesses to the hearing and I put myself down in there. I asked the Clerk to Court when I went to file the documents and she said that way I could be his representative.

We never got to Court (they paid up in full prior to fixing a hearing date ) but if your husband has to go to Court, you can go as his "witness" and do the talking. I'm not sure about you going in his place if the account is in his name only (unless anyone on here knows for sure you would be best contacting your local county court to ask them) but I was told I could go along with my husband as I say, so he may feel better just knowing this.

Hope this helps.
Love Spiritgirl x