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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Moorcroft - letters to deceased demanding payment o2 debt


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Hi all

 

Can anyone give me advice re Moorcroft Debt Recovery tactics please?

 

My mother has opened a letter from Moorcroft Debt Recovery addressed to my father who died last year. They are demanding money allegedly owed to phone company 02. It appears that even though my brother informed 02 that my father had died a few days after his death and my mother no longer wished to continue the phone contract the 'debt' which is claimed is almost £500 has been passed to Moorcroft. My father did not owe a penny so I have no idea how this sum has been reached.

 

I have advised my mum not to worry as the letter is not addressed to her, but the letter is threatening court action/baliffs. Had I seen the letter, I would have returned it unopened marked 'deceased' and 'not at this address'. Advice please as mum is in no position to pay such a large amount, even if dad owed it in the first place.

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My advice would be to send a letter, does not really matter whether from you or your Mother informing Moorcroft that the person to who the letter is addressed died a while ago and further inform them that the OC (o2) had been informed at the time.

 

Should they insist by writing any further, come back onto CAG and there will be further assistance available.

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http://www.thebereavementregister.org.uk/

 

Add your fathers details onto the bereavement register also.

 

Contact O2 and tell them in no uncertain terms that unless they call off their chosen third party threat monkey, you will seek legal advice with a view to suing for damages against both O2 and Moorcr@p.

As you say IF there were any liability owed, then they should have put in a vested interest when Probate was being granted, as they didn't they lose. tough cheddar.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi,

I am the brother mentioned by the O.P. We entered dad's details onto the bereavement register a few days after he died - almost a year ago now. As Dad's estate consisted largely of their home and very little else, we were advised that there was no need to go to probate as Mum was the sole beneficiary, and as far as we knew he had no debts. However it strikes me as strange that they have taken until now to try and reclaim the "debt". Do you think they are "trying it on"?

Rob - reclaiming what's mine :)

S.A.R - (Subject Access Request) sent to Smile 9/10/2006

Partial repayment - £1700

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My sincere condolences to you and your family. You've been through enough without dealing with this.

 

Press office a very good idea, if they have one. You should mention other DCA blunders, the most sick one I've heard about was the case of Beryl Brazier.

 

DCAs chasing deceased people is not uncommon. They're amazing at what depths they will sink to.

 

My personal reply would be to write to Moorcr@p and give them my relative's new address :) Not to everyone's taste of course. (Please exscuse my SOH but I've had a bit of a run in years ago with these bunch of numpties).

  • Confused 1
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Hi there

Please don't take this in the wrong way as it's not intended to belittle the serious nature of your post at a distressing time -- however with DCA's like moorcr@p it's always worth "Baiting" them.

 

In addition to the suggestions outlined in previous posts such as harassement etc also send their letter back with a statement saying that the person concerned DOES NOT LIVE at the this address any more so please in future address all correspondence regarding this matter to her current address C/O "The Holy Ghost, Heaven" and then let them get on with it.

 

Knowing moorcr@p with their "pre-pubescent teen" and other "divisions" they will probably try to send it to that address too.

 

Cheers

jimbo

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Thanks, I didn't expect such a response to my question.:-) I'll get together with my bro in a couple of days and devise a suitable reply to Moorcr@p & Co. I'll keep you posted if there are any further developments.

 

PD x

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Update as promised. Moorcr@p have now left a message on Mum's answerphone asking my dead father to ring them. I rang explaining he was deceased but was told they couldn't discuss anything with me as it was a 'data protection matter' and they needed to speak with the person concerned. Doh, dimwits! :evil: Mum was distressed at first but has decided that if they ring again to take babybear and jimbo's advice and give them the cemetary address. :wink:

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Well that is cause for a major complaint.

OFT/TS/MP/PRESS/BBC Watchdog.

OFT&TS Via http://www.consumerdirect.gov.uk/contact

Local MP Via http://www.writetothem.com/

The Press Via http://www.thesun.co.uk/sol/homepage/article240522.ece

BBC Watchdog http://www.bbc.co.uk/watchdog/gotastory/

Credit Services Association (of which these fools are members) http://www.csaconsumers-uk.com/page/i-have-a-complaint

 

If they continue to ring, report them to your local Police station for harassment. P.S. they don't know how to spell data protection least of all understand what it entails, morons..:noidea:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Here's 2 people from Moorcr@p you can contact via email (Trust me these work as they emailed back when I refused to deal with them in writing)

 

[email protected]

 

[email protected]

 

They are compliance officers. I would not phone them if they will only speak to somebody that's dead (Which is vile and nasty)

 

EDIT: Dunno why the space is in the first addy

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Here's 2 people from Moorcr@p you can contact via email (Trust me these work as they emailed back when I refused to deal with them in writing)

 

[email protected]

 

 

[email protected]

 

They are compliance officers. I would not phone them if they will only speak to somebody that's dead (Which is vile and nasty)

 

EDIT: Dunno why the space is in the first addy

 

The site does the space thingy...

 

When I'm bored I might email them later :)

Edited by babybear39
too many laters :)
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  • 2 weeks later...

Result! Wrote to 02 and emailed Moorcr@p. As suspected, no reply from latter but received an apology for the distress caused from 02 agreeing account was closed at the time of my father's death so there is nothing owing. Hmm, they may not have heard the last of me though. My mum was really upset by this and apology or not, I'm still angry. :mad2:

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Guest Cartaphilus

I think that as well, because what they've done is ... inexcusable.

Edited by Cartaphilus
Shortened my post.
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