Hi again db660, I`m not trying to be funny here, but it`s just a thought. But lets look at this from another angle. How will anyone on here know wether it`s a fake or not? After all, did they send RP the original documnet with the alleged forgery or was it just a copy / scan they sent him? Either way, he has still scanned it himself to show on here, so no one would be able to tell the difference. And also, it`s his word against their`s. As I say, I`m not trying to be funny, but you have to think of these things. Regards N.P.

Hi db660, Yep, I`m with you. I CCA`d Morecrap with a digital signature and they haven`t showed up with one. I`m hoping they`ll copy and paste it so I can bust them. I guess you mean something like this? Regards N.P. P.S. No offence taken

Hi there RP, I was just wondering, does it really matter if the enemy works out who is who on here? I mean, it`s not like we have signed a privacy and secrecy clause and we are just getting help, which is the same as creditors getting so-called help from DCA`s. The bottom line is, if they don`t show up with a properley exucuted CCA, then they still have no right to chase you anyway, wether they read these pages or not. They will still have to prove it is you if they are going to use these pages as evidence. It`s like someone getting caught on camera shooting someone, you just say `well it looks like me, but it`s not, so you have to prove it IS me`. Does anyone have any comments on this. Regards N.P.

Hi Fedup, I`ve just subscribed to your thread with great interest, and I must say well done so far, you seem to have a huge fight on your hands with all these horrible parasites. Following on from Priorityone`s last post. My girlfriend has just informed you should definately be able to claim Disability Living Allowance for your cousin. She`s has arthritis and is claiming it because she is unable to work. She also said yourselves should also be able to claim a Carers Allowance to cover your own expenses etc. Perhaps you should check this out. You should have no problems as yours is a genuine case. Anyway, just thought I`d drop a post. Keep chipping away at them, your in good company on here. Regards N.P.

Hi frenchie, Welcome on board. I`ll have a look out for your Morecrap thread later and see how you are getting on. Catch you soon. N.P.

Hi again, Just a thought. If you do get back any documents, you should scan then and post them on here for people to check, so see if they are enforceable or not. Don`t forget to remove all references and personal details first though. Regards N.P.

Hi Berry N, Yep, it is so easy to get into debt these days, it seems banks and other financial bodies try to trick you into debt by bombarding us with offers of loan and credit cards etc. I see by all your threads you seem to have a few problems, but don`t be down hearted, there are loads of people on here all in the same boat and they try their hardest to keep it afloat for us all. DCA`s are nothing but bullies and will try anything to intimidate you into paying them anything. I have dealings with Argos, who I once respected as a store, but as soon as I had problems they got Moroncroft onto me. As far as I`m concerned my dealings are with Argos, so I will fight Morecrap all the way, and will totaly blank them. If my CCA does eventually then I guess I will have to pay, but only under my terms and I have alreadys sent a SAR to Argos, ready to reclaim the charges, which looking at the statements there are quite a few. Right, time to go out now. Good luck with everything and keep fighting to the very end. The law is on YOUR side! By for now. N.P.

Hi again, I forgot, do not respond to that letter. They are trying to get you to play ball with them, DO NOTHING, just wait for their next letter, if any. You must get your CCA back before you go any further with these idiots. They will try anything to trick you into paying anything. DO NOT SPEAK TO THEM ON THE PHONE, if they ring and you answer them by mistake, hang up! We received 3 calls from them, we never answered and blocked each number as it came through. If you must speak to them you could tell them to "p#*s off", lol They have no right to ask you anything, because from the way that letter is worded they don`t even own the alleged debt. Hope this helps. Regards N.P.

Hi BerryN, Welcome to the CAG, your not alone on here against Morecrap. The letter you received is one of the standard reply template. I have received the exact same one as well as other people on here have. Simply do nothing, don`t send any more letters and NEVER speack to these morons on the phone. Simply sit back and wait for your CCA to arrive, if they have one. Remember, if you don`t receive one within 12 days, they are then in default. At this point, if you are paying them anything you should stop payments at once. After a further 30 days they then have commited a criminal offence, and if you want you could report them to Trading Standards. I sent off my CCA to Morecrap approximately a month ago. I received the same response you have, and nothing else. They are heading into a criminal offence. I have stopped all payments as they are required by law to prove I actually owe the debt. So far, they haven`t. Remember, you need back a properley executed CCA, not an application form which quite a number of people have recieved. Hang in there and keep posting. Catch you soon. N.P.

Hi Rugbypete, I`ve said had a read of your posting with some interest I must say. A few people on here have said when you write/type to these idiots you must NEVER sign your letters for this exact reason. I mysely, use a digital signature of handwriting font if you prefer. That way if they scan/copy and paste I have an excellent defence and if you are absolutely sure they have used a false signature then so have you. If this is the case, then I would say you don`t need to defend at all, just inform the Police and tell them a Debt Collection Agency has knocked up a fake CCA and used a bogus signature to try and claim a debt they can`t legally prove. Getting the Police involved should put a stop to things. On the other hand, they may just be trying to scare you into giving in. You really need to scan the CCA and show on here for us all to check out. Get back soon and someone with more knowledge will help you out. We`re on on here to help each other against these parasitic bullies, but remember, if they have used a fake signature and you can prove it, then that is a matter for the Police, isn`t it fraud by deception or something like that? Good luck with this one. Keep us posted. Catch you later. N.P.

Hi mrsdepp, Just thought I`d join in on this one, as like everyone else on your thread, I`m also WITH Morecrap. My alleged debt is more than double then yours and I`m not paying a single penny. The reason is, if you send them a CCA, they then must send you a copy of the original CCA (if it exists). If they haven`t sent you one within the 12 days deadline, the account is then in dispute and you don`t have to pay them a anything. Like, pecky1 (above) I also received a boring, standard letter with child like syntax, followed by a couple of phone calls which I didn`t answer, but blocked the number, ha ha. I simply sent them a CCA request and they have missed the 12 days deadline and are now heading towards commiting a criminal offence. If that happens, the ball is then in your court but you can keep it then. I`m still waiting and haven`t heard anything for over 3 weeks now. Considering in their first letter they gave me 7 days to pay up or they`ll launch against me is nothing more than a stupid, boring threat. Never give in to their bully tactics and intimidation techniques, because that`s all they are. I`m actually getting board of waiting for their response because I`m looking forward to challenging them. So, send them a CCA request and don`t do anything else, just wait for their next move. If they don`t come up with a genuine CCA then the alleged debt is unenforceable, so they can`t do anything anyway, but of course they`ll tell you they can. I`ll subscribe to your thread an keep checking in with interest. But, most of all, DON`T WORRY! Hi pecky1 again, LOL Catch you all later. N.P.

Hi pecky1 (Sue - getting personal now, LOL), I was just checking. No, I haven`t heard a thing either, no more letters or calls. I wonder what plan they`re thinking of? I wonder if they`ve caught on to the fact that the joint members of the CAG are smarter than themselves and have gave in, LOL. I post as soon as I get something back. one way or the other. Welcome on board Reverend, there are quite are few of us on here now against Morecrap, Moroncroft or whatever the hell they`re called, I can`t remember as they don`t come into my thoughts. Do you have a thread? I`ll have a check later. Catch you all again. N.P.

Hi pecky1, How`s your case with Morecrap coming along? We haven`t heard anything from you in a while. I still haven`t heard anything myself for a while, not since my last post. Anyway, I`ll keep watching and waiting. Ciao for now N.P.

Pulling off this kind of a stunt would be just so cool. I think it takes someone with a certain talent to be able to so that though. You would have to print out your lines and hope you don`t burst out laughing. Great fun!

Hi pecky1, So you finnaly got your Application Form back then? LOL I`m still waiting for something back from them. I`m also wait for some Printer Inks to land too, my printer has bombed out due to being empty. Damn! Keep us posted! Watching with great interest, N.P.

Hi people, I haven`t done anything with this claim for a while as my friend seemed to give up after the Letter Before Action was ignored. Anyway, last week he received a letter from Lloyds stating they are no longer dealing with any claims until the outcome of the PFT Trial etc etc. The thing is, he would now like to continue with his claim, as it is now over £5200 including interest. Is it still worth while putting in a claim? Are the Courts still dealing with claims? I`m thinking if the bank refuses to deal with claims and don`t bother turning up at Court or even defending then people would win by default. Is this the case? Which would be the best route to take? A local Court or Money Claim Online? I would appreciate any help and advice as the best route to take. I look forward to hearing from you all on this. Regards N.P.

Hi everyone. Thanks for the posts pecky1, mcnab and Hopeful1. I`m glad to hear I`m not the only one to receive this particular letter. I suspected it was just a standard letter, as it`s not very personal as mcnab states. I think I`ll wait a day or two then fire off a copy of Hopeful1`s letter (above), just to lift the pace a little. In the meantime I`m going to list all the charges from my Argos statements, just incase they come up with something legal. I beleive that the reclaimable charges are under the `Other DB` headings in the Argos statement screen prints, as explained previously by pecky1. Can anyone confirm this. Right, nothing more to add until the next round. Catch you all soon. Many thanks. Regards N.P.

Hi People, Finally got a response from Morecrap this morning. So it looks like both my Special Delivery and Recorded Delivery letters eventually got there, even though they still haven`t been signed for I paid extra for the service. What a pile of crap! Anyway, from what I`ve seen on the CAG site, it appears to be their latest standard reply. I think the plan is just to still sit tight and do nothing and wait for them to send back the CCA, is this right? Also, I`m not sure when to start the 12 days + month from, due to the dodgy Royal Mail service. Has anyone any idea`s on this. I`d appreciate any feedback on this letter please. How do I include photo`s on a post? The only way I can do this is to use a link from my own webspace with Tiscali. Any help on this would also be appreciated. I look forward to hearing from you. Regards and thanks N.P.

Hi Pecky1, Thanks for the response. I`ll go through the Other DB`s on the statements later as we are going out soon. Have you any idea what the Other CR means? The statements they issue are quite naff though aren`t they? No, I haven`t received a response of any kind from my CCA request, just a call from the Moroncroft in the week which we ignored and let the answer machine answer. Did you say you got your actually CCA back or was it the Application Form and a seperate T`s & C`s booklet? I can`t remember which you said on your thread. I have also subscribed to your NCO thread, so I will have a read through that later. At first when the original letter from Morecrap arrived, my girlfriend panicked like hell but I had previously been reading quite a few threads on here, so I knew it was just standard crap. Now I`m quite excited at the challenge of dealing with these idiots, I just wish they`d get back to me with something so I can fire off the next letter. Right, we`re off out now. I`m going to sign up for some driving lessons before I have to start and pay Argos back. I had 26 lessons with a friend, but he split up with his wife a couple of weeks ago and has vanished, so I don`t know what`s going on there. Thanks again. Regards N.P.

Hi guys, Thanks for feedback. Another update: I received my statements from Argos this morning, they have obviously responded well inside the 40 days allowed, and obviously they DID receive the letter which was sent Special Delivery, so I will assume MoreCrap received their CCA Request which was sent Recorded Delivery. The thing is, I can`t make any sense from the Argos Statements (screen prints). They`re nothing like what I was expecting, I was expecting something similar to a bank statement format. There are listings on named: PURCHASE, PAYMENTS, FIN CHGS, OTHER DB, OTHER CR, RETURNS, DISPUTES, DISPU REL, PAST DUE, TOTAL DUE, BALANCE, ACTION H/C/P I`m obviusly looking for charges of any sort which can be reclaimed/deducted should they show up with the CCA and I have to pay. Should I scan a statement or two up for you guys? I would appreciate any help anyone can give on this. I look forward to hearing from you soon. Many thanks N.P.

Hi folks, Just a little update, nothing exciting I`m afraid. Yesterday my girlfriend rang Royal Mail regarding my missing letters, while I was at work. She mentioned that EVERY TIME we send a letter by Recorded Delivery, they NEVER get signed. This has happened with all our letters to the bank, and has now also happened to the letter to Morecrap. The SAR to Argos, which was sent a couple of days laters was sent Special Delivery which cost us £4.30. This letter was supposed to be guarenteed NEXT DAY before 1. It was sent last week, and there is still NO signing on the Royal Mail Tracking Site. The woman at Royal Mail never seemed to say much, only last week they were actually on strike for 3 days and that she was really sorry and will send a complaints / missing mail form out. They should get there by next Tuesday. My girlfriend explained to them that people are paying for a service which Royal Mail is not supplying and if they are unable to give this service then they should not be charging more for it. We have received a complaints form before but to be honest, it was 4 pages long and I just couldn`t be arsed to fill it in. If we did, we probably have to email or fax it to make sure it got there. Anyway, that`s all for now. Catch you all again soon. Regards N.P.

Hi Pecky, Thanks for that. I definately won`t be ringing them ever. It`s just the problems with the Recorded and Special Delivery (Not!) letters not showing on the Royal Mail site. I`m not sure what to do to be honest. But, saying that, their original letter gave me 7 days to respond, yet all they have done is phoned me. I`m just going to hang about untill the next letter comes through, then reply with a suitable letter and also a FAX. I`m with Tiscali and they have a FAX facility on their home page for members. It`s only 10p a sheet and supports MS Word Files. Does anyone know how many phone lines these annoying walter`s have? I think I can only bar 10 with BT Choose To Refuse. heh heh. I might just answer the next call and fart and blech down the line then leave it off the hook untill they ring someone else to hassle. Right, catch you all later. Thanks Regards. N.P.

Hi all, Thanks for the posts hopeful1 and pecky1. Just a little update. We had another call from Moroncrap this afternoon, around about 4. It was their area code so we let the answer machine kick in, they used another number to ring us from. Some ding dong called Andy, said something like "This is a message for N.P. This is Andy from MDR, could I ring him as soon as possible on number 01614752802". Of course I don`t intend to do anything at all. I`m wondering should I just sit tight or fire off another letter of some sort. My SAR to Argos was sent Special Delivery but it still hasn`t got there and it was GUARENTEED next day, that was 3 days ago. We asked at the Post Office about the Postal Order and they said they couldn`t tell us if the Postal Order has been cashed or not. We asked if there was a number to ring and they said we can`t we can only send a letter requesting if it`s been cashed. Anyway, I`ll check back later as I have just landed in from work and need a good cleanup. I look forward to hearing from you. Regards N.P.

Hi viewers, Nothing to report yet, as everything is quiet. No letter`s, no calls, nothing. I was just wondering, regarding my CCA request to Moroncrap and my SAR to Argos. These were post on the 24 July and 27 July respectively. The CCA was sent First Class Recorded. I asked my girlfriend to make sure she sent it Special Delivery, but as usual the was a mix up in the Post Office and she sent it First Class Recorded. The SAR was sent Special Delivery Next Day before 1pm. The problem is, neither of these have been logged on the Royal Mail Tracking Site. The Recorded Delivery shows up as `Come Back Later`, as it hasn`t been signed for. The Special Delivery shows up as ` Your item is currently progressing through our network for delivery. To check your item's progress please come back later` Has anyone any comments on this? I also used Recorded letters to the Bank in regard to claiming charges back and each one has had the same result. Would you recommend I send them both again or not? If so, what service? Or, should I just sit tight and see what happens next? I look forward to your comments. Regards N.P.

Hi guys, I don`t know what to make of this. I haven`t been updating this thread and I haven`t responded at all to Cetelem, so I never thought it would be worth adding anything. Since the last entry I have received a few more letters from Cetelem, basically adding more charges due to the continued non-payment of this account. The last letter I received was approximately 1 month ago, which read something like due to my lack of co-operation and non-payment they are giving me one more chance to settle this account. It went on to say if I paid in full I would receive a 25% saving on the full amount. This fee must be paid immediately to avoid further charges being levied. Anyway, I was really bored by this time, so I ignored that one too. Hah hah. Anyway, thinking nothing more of it, last week I locked onto my Cetelem account just out of interest to see how much these Richard Craniums had lashed on me so far, and to my surprise, the arrears was zero. I have six more payments left on the account of £31, but there was £218 left to pay, this will be including the missed payment. I checked again, at the weekend and again just now, and it is still zero arrears. I have not received any more letters or calls since the last one mentioned in this post, so I don`t know what to make of it to be honest. Maybe they realised they were onto a loser with there charges. Anyway, just thought I`d drop a line to everyone. I look forward to hearing your comments. Regards N.P.