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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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Moorcroft for Arrows - chasing OH's M+S card debt


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hi all

i am writting this on behalf of my wife,

 

she had a large debt with marks & spencer credit card just over £9000,

she defaulted on payments and the debt was sold on to Moorcroft who aranged a repayment plan with her of £5 per month,

 

all has been well for two years and now they want her to complete an expenditure form,

 

i emailed them back saying they have no legal right to demand this and will not submit the inforation requested.

 

the online payment facility keeps taking her to the expenditure form page and wont take the payment, their is no CCJ on the account,where does she go from here ?

 

thanks in advance

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Ignore moorcroft. Theyre total bottom feeders. Also, are you sure they bought it? They normally just chase on behalf of a creditor.

 

If they bought it, i would seriously question you blindly paying them without checking the validity of the debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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then dont pay online. Arrange a standing order for the fiver and do a CCA request tio see if they have the paperwork to enforce the debt. If thet dont you cancel the standing order. Refusal to accept the payment can invalidate the debt given enough time so take screen shots of the web pages to use against them and keep hard copies of all emails.

DONT use the phone.

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Moorcroft don't buy debts - who told you they'd purchased it???

 

 

look on their letters

who is stated as their client please...

when was the card taken out too?

 

 

please don't forget the golden rule

that applies to all her debts

a DCA IS NOT A BAILIFF

and has

NO LEGAL POWERS WHATSOEVER

 

 

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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many thanks for the replies guys,

they must be collecting it on behalf of M&S,

 

the account was opened around 2007,

trouble is the default is within 12 months of dropping of her credit file so she obviously doesn't want a CCJ at this stage,

 

probably better to send the letter asking to see the loan agreement ?

but i would have thought M&S credit card services would have this on file anyway or am i missing something here?

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the fact that the default is almost 6yrs doesn't mean anything.

 

 

a CCJ can still be attained after that and will still show.

who is their client please???

 

 

the original creditor would never do court

so stop being scared of that.

 

 

and if its it IS still owned by M+S

little point in a CCA request to them either

 

 

just ignore Moorcroft.

I would guess she stupidly started paying Moorcroft because at that time you'd not found CAG?

go pay M+S directly

 

 

cut out the DCA.

 

 

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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  • 2 years later...

hi all im having a bit of trouble if anyone can point me in the right direction

 

I have been paying Moorcroft Debt Recovery £5 per month for around 4 years on a 8k debt which was on a M&S credit card,

 

they are now insisting i complete a financial assessment form ,

i take it they are trying to up the payments,

 

i have never sent them a prove it letter and their is no CCJ on the account,

 

they say the agreement i have is informal and may not stop county court action,

 

what direction should i take,

,many thanks in advance

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  • dx100uk changed the title to moorcroft & M+S card debt

old and new threads merged 

 

now please re read and answer the outstanding questions?

like are moorcrofts client M+S?

why did you keep paying Moorcroft when you were advised before to doing stop that?

 

 

 

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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it was easier at the time to pay moorcroft as the payments were low and affordable,

the wife had had a nervous breakdown so i took over the repayment arrangements to take the pressure from her,

the debt was in effect sleeping while not making her ill,,

i hope you can understand

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thanks old Cogger,

i'm thinking now to stop the payment to moorcroft and put the debt into dispute by sending them a prove it letter

 

however i think the chances are slim that M&S don't have the documentation,,

somewhere in the cog of collection either M&S want the payments increased or Moorcroft do,

probably Moorcroft i suspect

but passing the buck to M&S by saying if i don't comply 'its an informal agreement that can be concluded with a CCJ'

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??

forget stupid prove it letters.

 

follow post 8

 

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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may i ask why not?

or is it they just sell on for someone else to do the dirty work

 

its debt to M&S credit card services, other than that only Moorcroft have been involved in the collection

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so still owned by the OC

they wont do court because of potential bad publicity.

so pay then directly via your banks interweb portal.

ignore and do not pay or anything at all Moorcroft.

 

 

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 wont be sending anymore payments to Moorcroft and shall contact the OC to pay direct.

 

i'm quite happy to make the monthly payments but was concerned as the debt is around 9K they may go for a CCJ then a charge on property, even those i could live with but 'i dont know' do they add interest on a property charge if so then that's when it gets scary, is it still not worth doing the CCA letter?

 

the account was opened around 2007

 

 

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as I've said there is little evidence of Original Creditors issuing any court proceedings.

there is NO evidence here that M+S do.

 

I didnt say contact the OC, just do it monthly by say BACS or automatically by setting up standing order via your banks interweb portal.

unless this was a store card upgraded to a credit card, there is little or no point in a CCA request to M+S the OC.

 

 

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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18 hours ago, marco23 said:

 

 

they are now insisting i complete a financial assessment form ,

 

 

Only  a court, HMRC or Council Tax Collections have the right to insist on a financial assessment form.   

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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1 hour ago, London1971 said:

 

Only  a court, HMRC or Council Tax Collections have the right to insist on a financial assessment form.   

yeh their not getting that London, their not even getting a response, DX has given some valuable points and i thank you all

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ahhhh, i just checked the letter from Moorcroft and its headed Re: Arrow Global LTD (sorry i missed that) so at some point it must have left the hands of M&S, does this change things now??

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Send Arrow a CCA request

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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5 hours ago, Andyorch said:

Send Arrow a CCA request

 

thank you,, i have no reference numbers or account number to include on the letter so should i use the moorcroft client ref number and moorcroft reference (two dif numbers) and make PO payable to Arrow Global ltd

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19 hours ago, Andyorch said:

Yes

OK the CCA request has gone off in the post,

 

now if Arrow Global cant produce this then that chucks up an alternative route to the problem,

 

should they be able to enforce the debt 'with the CCA' then what route is best to keep it out of the County Court,

 

i can only see an increase in payments would do the trick,

 

my main objective is not to let it go to CC or worse even a charging order because this will make the wife ill again, 

 

so an increase in the monthly payment or an offer of full and final payment at say 50% of the debt

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