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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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letter from the Tocatoo / Lowell


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hello,

I was wondering if anyone would be able to give me any help or advice.

My boyfriend received a letter today from tocatto ltd stating he owes £37.91 outstanding balance from a 3 mobile contract phone he had 5 years ago.

 

4 years ago this debt went to a Debt collection agency, I think it was moorecroft I cant quite remember, and he agreed to pay £10 a fortnight until it was paid. This debt was paid as I myself went to the royal bank of Scotland and paid the £10 a fortnight until it was all paid.

 

About 2 years later we were sorting through paper work and thought we would no longer need the payment receipts from this debt so decided to throw them away.

A year later , about this time last year, we received a letter from another DCA informing my boyfriend he still owed the outstanding £37.91.

He phoned them and told them that he had paid the debt to which they asked for proof of payment. When he told them he had non as the receipts had been thrown away they told him as far as they were concerned without any proof of payment the debt was still owed.

The person he spoke to was very rude and unhelpful and didn't give a damn and kept insisting he must pay. My boyfriend quite bluntly told them that they would not receive any money from him as the debt was already paid. The conversation kept going round in circles eventually the guy from the DCA put the phone down on him.

We received another couple of letters and each time he phoned the company and told them the same thing. The debt has been paid and they will not get any money. Again they told him without proof then he still owes it.

After about the 3rd letter we never heard from them again or any other DCA concerning this account until today.

 

My partner hasn't rang Tocatto yet and we will probably hear the same cock and bull story from them.

So I was wondering if anyone had any ideas how to get rid of them once and for all without having the pay the debt a second time.

Any help would be very much appreciated

Thx in advance

Bec

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firstly

 

NEVER EVER phone a DCA!!

 

they have NO LEGAL POWERS

to do anything bar send threat-o-grams

 

pers i would ignore the fleecers

 

i would suggest you do a bit of reading in this forum

 

you'll soon get the idea

 

as this has been paid-off anyhow

this shows what typically happens in the case of these 'phantom' mobile phone debts

it goes straight to the DCA's pocket without any record being place against your name on the phishing list

 

it get sold on & the next one tries their luck as you've proved to be a soft-touch.

 

the debt [if it ever existed] would have been written off against tax by the OC years ago

thats why the OC have neber asked themselves for the money!

 

well you've learned now - don't get caught again!

 

never ever believe what these fleecers say!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have been reading stuff but not quite sure as to what to read or where to start. there is just so much information. Any payments we have made since to anyone we have since kept proof of payment and will do so for a very long time and so far so good with the rest of the debts. Just this one keeps cropping up like a bad aftertaste :(

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Hi Bec,

 

Rant continued....

 

Moorcroft work as follows.....mobile phone company pass your details to moorcroft, they contact you to say hello out-standing amount please pay, you pay, moorcroft say Here you go mobile phone company and thats it....BUT on the occasions were that they/moorcroft "Buy the Debt" they do not sell it on again to a third party.

 

Hope this helps!

 

Hotmamma :-)

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Hi Bec,

 

Please take this advice...."DO NOT PAY THEM".....understand! You both know that you have paid and you can either print of statements from your bank via the internet or pay your the bank for copies which will show your payments and even ask the bank to supply you with a copy of the "in full and final settlement". confirmation of the closure of this debt.

Know think of it this way, this and it is a [problem], if this company chases 10 people at what seems to be the average amount of £30,that equals £300, so times that by 100, 1000, 10000.... get the picture, nice little earner. And because it is such a small amount, most people would pay it. But not us, we are out to screw them. Now, Don't forget if they contact you TELL THEM to prove that they own this debt and that they have "12 WORKING DAYS NO LONGER TO SUPPLY THIS" .....OR....THE DEBT IS UNENFORCEABLE!!!!!!

Check out all that has been said about this [EDIT - PLEASE REFRAIN FROM PERSONAL ABUSE]hole of a company and if they are rude to you on the phone, stand up, take control and threaten them, i told them to feck off, but that's me!

 

Oh, and when i spoke to Moorcroft, the guy told me that this sounded very odd and to be aware it could be a [problem] and to call ofsted! what's that telling you???? Keep us all posted, but for your own piece of mind get proof from your bank, also call moorcroft and give them any details regarding the phone contract they should be able to locate it in the past history they number is: 0161 4752858.

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