see martin2006 threads.

dx

thanks dx.

I spent a couple of hours reading last night, most of the threads i looked at sadly hadn't updated as to whether or not they had been successful at court

I spoke to hubby about it this morning and he asked what the chances are of success,

that's the million dollar Q though isn't it?

I know there are absolutely NO guarantees but

1) what would you guys do if you were in our position?

I can scrape together the court costs if we decide that's the route to go down but

2) if we lose what are the implications?

(are we liable for any further costs?)

Would you be able to read my LBA before i send it please? I can either pm or post on here (omitting personal info of course). I have tweaked it slightly to fit our case if thats ok - hence me asking for confirmation....

Sorry to be a pain x

not in small claims

Im just going through the info they have sent (as a result of the SAR) and there are no copies of the letters we have sent,

the info is more like computer generated lists - not what i expected.

Should I have everything they/we have sent to each other?

maudy

no they wont be sending your letter copies back

Ok thanks for confirming.

I may be confused as when i did the same with WFS a few years back we had absolutely every piece of communication between us!

As the account was opened in December 2008 do you think its worth sending a CCA request or won't that be any use?

Hubby thinks its worth pursuing through the court if need be,

the balance is made of a majority of penalty charges which we have queried on more than one occasion without response. How can they think thats Ok? (i know im trying to convince myself!)

Sorry to keep adding guys, I know you're probably sick of me by now!

an email from ClearScore arrived today

hubby credit score has gone down 66 points since last month with notes saying

'your Studio express gifts' account has been seriously in arrears'...

means little really

once the reclaim is done you could demand all negative data is removed

Hi all,

Quick update - despairing as i really dont know what to do next.

On Saturday we received a letter from Moorcroft stating that they now own the account...

so the LBA etc i sent to Studio will probably not be looked at now.

Where on earth do i start now?

Thank you

Maudy

no Moorcroft don't buy debts,

read the letter properly it does NOT say they have purchased the debt

who is their stated client?

and anyway, reclaims are always against the OC as they levied the charges.

dx

sorry dx my fault... It says the account details have been passed to them, to act as a collection agent (i assumed wrongly that they'd bought it!). Client name is STUDIO...

they only collect or try to for originator - no powesr at all

IMO I'd be ignoring moorcrap, less for a simple letter along the lines of,

"Dear Bill & Ben,

Thank you for your letter dated dd/mm/yyyy the contents of which are noted.

If you have nothing worthy to add, then it will be in your best interests NOT to get involved in this extremely tedious and convoluted matter,

I have no desire to communicate with you, this is my final correspondence to you regarding this matter, pass this back to the original creditor or be party to any legal action I choose to bring against your client.

Regards.

Bazooka Boo that really made me giggle! (much needed at the moment! - in other matters my husbands car is about to be condemned by dekra - a Nissan Navara which has chassis corosion and we now stand to lose alot of money on...if we didn't have bad luck we'd have No luck at all, we still owe over £6k for it)

if we could get some of the penalty charges back it would REALLY help our situation.

..no acknowledgement from Studio to the LBA so far

but that may be due to the fact that they have passed the account to Moorcroft

- prefer Moorcrap!! lol

I will pop a letter out to them as above tomorrow and see what happens.

Thank you Bazooka

I wouldn't enter into pointless letter tennis with a powerless dca

dx

Thanks dx...dont i at least need to put them in the picture though? i.e. that the account is in dispute? If i don't do we risk further action being taken by them?

what by the DCA?

Yes - Moorcroft. The letter states that they will begin pursuing us in the next 7 days. Probably a threat i know...

Moorcroft can't touch you. Ever. Ignore them.

My only concern with that is that if they start calling etc my husband works nights so could do without being pestered..

Sorry Renegadeimp my post crossed there. OK thank you. So just wait and see if Studio reply to the LBA then i guess?

Moorcroft -- pick me up off the floor from laughing - lameless ducks

thanks old cogger. I am a worry wart i know... its a long time since i had any dealings with Moorcroft.... was more annoyed that Studio had done this instead of replying to my letters...

Moorcroft only chase they don't own the debt

ignore them totally.

Hi guys,

As expected i have had no response to my LBA, only thing i have heard is from Moorcroft by letter and text messages!

I know my next step is to start the court process

- would someone be able to help me complete the online forms please?

I dont have a clue where to start and paying over £400 in court fees I need the best chance possible at swinging this my way.

Thank you

Maudy

Hello,

Apologies for asking so many Q's

- I dont mean to be annoying but i dont know where else to turn for advice.

I am ready now to issue court proceedings against Studio

- however i have a couple of concerns which i'd really appreciate your help with.

I have had a response to my LBA

- it was just a basic fob off letter which said that the credit ref info was correct as the account was in default, and that as payments had been made late that the charges stand blah blah blah.

Firstly as the court fee is over £400

- its a lot of money to us,

i can pop it on my Fathers credit card

but i don't want to go down this route if there is zero chance of a good result.

I know no one can say either way but as you know the forums inside out can you advise on how the land lies at the moment, are people winning with charges reclaims?

(Believe me i have scoured the forums but most threads seem not to be updated with the end results - nothing recent i could find anyway).

Secondly - (if my memory serves correctly from my bank charge reclaim back in 2006) i had to complete some info on the court claim 'Particulars of the claim'

- how can i ensure i have the correct wording and get my point across to someone who knows nothing about it i.e. the judge in as few words as possible (i understand space is limited).

Thirdly and lastly - how do i ensure I have the correct address/contact info for Studio in order to complete the claim, their latest letters show a customer relations address but i don't want to get it wrong and cause delays.

Thank you

Maudy