Yep, have now put that on me voice mail should any of those clowns get hold of me number. heeee

Harassment is harassment is harassment: Whatever way Paul you dress it up they have no right of Trespass to your property once informed by the person who's property it is. I know a Englishman's home is not his castle any more ( do you know 639 agencies are allowed to enter your property without your permission ) frightening these can range from obscure government agencies to the food safety agency.. Yes unbelievable I know.The last government excellarated the erosion of civil liberties which has been declining steadily since the end of the last war. But no where did I see on that list PROVIDENT.

They will probably only receive it today,,, I expect they will ignore so may sue the varmits or just not pay what they are saying I owe... Have letter from O2 saying the amount owed but am SAR ing those pesty critters at the end of May, because my contract ended and I told them I could not afford to continue so they put me on a supposed £10.00 a month thing... It was for the ex anyway as she did not want to change number at the time.. Will be interesting what comes out of this as I did not sign anything to let them continue....... I don't care what Muppetcroft say or do they are getting £110.00 and that's it... any more puerile missives as Bazooka say's and on goes another charge... Had the same with a company called Brooks and Bentley the cheeky monkey's charged me a £20 late payment fee when I got into trouble, only owed them £50.00 so they then sent it to some DCA in Croydon (CCS collect ) told them £50 was all they were getting and that's all they got.

Sorry Count for late reply, have been working over bank holiday and at Girlee friends house. Yes please can you post them up.

Would agree with Teaboy and Tingy, also if the agent breaches this the police have the right not only to charge him or her with harassment but also to impose on the bail conditions that this agent or even representatives of the agent stay say 100 metres from Decz property.. common law I believe in my limited knowledge take's precedent over contractual law and obligations. ?????

Bazooka, I can't believe that of you... You can't of had any DCA's for lunch. Yes count your right, an SD is a different animal to a CCJ.. In your circumstances you have nothing to fear, unless you have assets worth over approx £1,500 the official receiver would even allow you to keep your car if it is meant for work etc or cause's hardship I.E. running a sick family member to hospital every week or something to that effect, of course as long as it is not a top of the range beast worth thousands of pounds. No a BR (stad demand) would not get a CCJ against you, they have to apply for a CCJ, that is a separate animal..... Of course if they do apply for a CCJ then if they are daft enough to make you Bankrupt later,,, bye bye CCJ it gets included in your bankruptcy... As for attachment of earnings or bailiffs, this is dependant on you not paying what the court as ordered.... these are easily set a side and I know many people who have had CCJ's awarded against them and to be fair never paid a penny and have never heard from the Creditor again... Also if the award is too much you can apply for it to be varied to an amount that you feel is affordable. The only time you may get a problem is if you own property,,, they could go for a charging order but hey it is a double edge sword and could work in your favour,,,, No judgement I have yet to hear as made a debtor sell there house,, you can stay put for as long as you like and even if you sell you do not need to notify the creditors its a minefield of If's but's how much they are intent on getting back there debt... Even if you go Bankrupt it does not necessarily mean you will loose your house,, Neg equity can put paid to that and if no rise in prices in two years then the OR usually discharges an interest in the property. Also you could get your wife or some third party to buy your beneficial interest in the profit of the house.... So really what have the DCA's got (NOTHING REALLY BUT PHISS AND WIND) and peoples ignorance and unless they bring back the debtors prisons (and with our prison population I doubt that very much) they are as a lot of people say on this site LAME DUCKS. As you see, a lot of them are struggling with compliance and with a greater knowledge of peoples rights we will see a lot more whining from these pond life and lets see how many we can put out of business. There must be better way's to deal with peoples debts. In my mind the banks are to blame, and to try and turn a unsecured into a secured debt is just moving the goal post. They did not whinge when the going was good... So all in all,,,,,, Your the boss on how you pay back your debts (SIMPLES)

They won't come near your door, love it DX who do Freds think they are be jesus!!!!!!!!!!!!!!!!!! As they have just got hold of my argos debt can't wait if they play that trick and phone whow..... You have a trauma call coming then hmmmmmmmmmmmmmmmm No we need to speak to Mr Hippy,, oh well you will need medical treatment by time our legal department has finished with you, shall I book your beds now..!!!!!!!!!!! Where do they get this, we are not those people from (DCA) The way I feel about them is sod the lot of you ( got nothing so in my opinion the only thing that ever came from nothing was the universe (big bang) They even had the cheek to reply back to me when I told them in writing I am going to SAR Argos, they told me in writing I was still liable for the debt and went on to explain in detail how to apply for a SAR.... Letter back to them with a lot of Bazooka' Boo's straight talking verses,,, Don't need a mere DCA Company to tell me how to apply for a SAR and certainly they are jumping the gun as Liability is dependant on the CCA Argos produce.... and as they are a mere third party SOD OFF (oh and just for fun billed them £15.00 for me time..Don't you just love them.....

poppay, cut em up for post it notes. Good suggestion from a Cagger.. I love it when Moorcrap get any of my debts, you know your in for an easy time...Big bad pussy-cats those morons. (not) Every time I correspond with them I bill them. Think I will employ crapquest to get me money from them. No better still try freds they can use there pet solicitor Brian.... They buy some lemons that outfit. Though you only have to think if they scare just 4 of every 100 that they buy or collect on behalf on, that is some figure... 4% is the lower figure of mail shot run. You send out a 100 offers or services and you are expected at least a 4% return. Now I know from experience that people still consider debt a taboo subject in this country and they don't like discussing it with family, friends or work colleagues. I know because I was surprised that a few of my work colleagues were experiencing the dreaded DCA's and paying extortionate payment plans. I have since put them in touch with this site and they are far happier and healthier for it. This country needs to wake up to its rights and the rip off nature of our service industries here...

Pooky,, Boo is quite right, Lee was great he sorted mine out. Very good service from Lee.

Bazooka, They would have to issue county court papers for a CCJ as well. A bankruptcy I believe must be put before judge in person by the petitioner. So he would know that a CCJ was coming because they would have to issue him with the summons whether bulk or not.. Bankruptcy is a whole different can of worms.. A CCJ would again be defended or he could make an offer..... As for questions about have you ever been insolvent or bankrupt, yes it can effect certain areas of life ie. more for your home and car insurance but the European Court is looking into this because it is discrimination however you dress it up.... I know of many bankrupts who now own there own business and houses so really it is an old fashion worn out blemish. The Americans had a much more open view on bankruptcy as you know with all the famous people past and present who have gone bankrupt and bounced back. I believe Walt Disney was a bankrupt (correct me if I am wrong ) My personal opinion, is to ignore,, but the choice is always with the individual .... They will not make you BR and as for a CCJ, well you say no CCA, they would look stupid in front of a judge..... Even if they try for the lesser a CCJ, you can defend it and you will know about it whether bulk or not. As for BR if it came through the post, then its pure bluff.

yo intend it seems when I or any thread I mention moorcrap on they seem to contact the people on the thread or me... Mind you the vultures can't talk to me, phone contract in mates name and they know one more phone call to a Emergency department is going to hit them very very hard, especially as when I took out most of my cards and loans I forgot I gave the emergency incoming ambulance line... !!!!!!!!!!!!!! heeee so blocking up a emergency line is a very serious offence... and none can hide behind withheld numbers either... !!!!!! They get one strike and there out... Must say that every one who tried there hand in 2009 got a nasty shock (none have never rang back since) though lovely Blair snot and Oliver sent a letter to the hospital I worked at... naughty naughty,,, had there knuckles rapped awaiting a little distress and inconvenience money there... A mate of mine loves the DCA's ringing on the security check... they ask to speak to Mr so and so and he say's sorry but Mr so and so is not in, but can I help you, I'm God, I know all things and all things to come, have you ever thought about me in your daily lives,, the day of reckoning is coming,,, they put the phone down so fast you think its on fire.... Mind you he did say one cheeky sod from AIC then said can you tell me Mr God ( polite and deferential) if Mr So and So is going to pay his debt,,, quick as a flash my mates say's my Son you know what I did to Sodom and Gomorah your establishment made there ways seem saintly and sorry Mr So and So has won the national lottery and is now residing in some Caribbean Island. Then the little jumped up twit asked him if he had his address !!!!!!!!!!!!!!! can you believe it, so just to really **** them off my mate said,,, Even Gods covered by the Data Protection act, you will need to contact Satan for that information. I have his premium rate number. OH my, I wish I had the gut's and wit to play them like that on the phone... Though my mate said fair play to guy from AIC he did seem to have a sense of humour.

Oh and by the way, these guy's and girls on here will eat them alive if they try anything underhanded so don't worry one jot... I see DX is already here for you, you will find some great characters here who just love to put companies like moorcroft in there place.

ha ha ha to Moorcrap...... Well done Chesh, I bet already you feel a lot better. Now do as the guy's say... It is your shout if you wish to CCA or SAR the original creditor to see if this is enforcible or there are any unlawful charges. I would stop all payments for the moment and get full details on all your debts as you seem to have money missing. The money you save paying these sharks will cover your £10.00 fee. Tell them you need to investigate these accounts and until such time you are furnished with the information you will consider these in dispute. Once furnished with the information you will be able to make an informed decision as to what course of action you will take. They won't like it one bit,,, they will throw there toy's out of the pram because the cash cow has just woken up and smelt the coffee and has woken up to there underhanded tactics. Keep the guy's here informed and scan and put up all documents and letters received from any of those companies, blanking out personal details. I can almost see the skip in your step already.

Tell them to take a running jump and see them in court. Dealing with these fleecers on two accounts I tell them what they can have not the other way round.... Have been for two years by standing order and also they will get what the OC say's I owe not there charges or a penny more. I review not them. Have paid off two small debts I had already.. Less moorcrofts charges and guess what,,, OK Hippy these are now settled letters arrive and every standing order payment was in the statement. As many people on this site will tell you, these clowns are the easy ones to deal with. Work out what you can afford,,,, pay a token payment of a £1.00 if that is all you can afford. Ignore what they say and tell them see you in court. Use there pre-school division letters for hamster bedding or as some one say's on one of the threads, cut them up and use the back as note paper.... Take control now. I did after these great people on this site advised me. NEVER LOOKED BACK SINCE, lost not a wink of sleep in fact enjoy it when some clown try's the heavy arm tactics,,, these people here will rip them apart... Best site around with good honest advice to help you. So Chesh, tonight, do yourself a favour and sit down with a nice tipple of your fancy and go through your income and outgoings. Priority debts first and foremost. then work out what you can comfortably afford and write to your creditors and tell them... THIS IS WHAT YOU ARE GETTING AND I WILL REVIEW IN SIX MONTHS / ONE YEAR end of subject. Don't accept there calls, writing only. You will see how easy it is, yes they will threaten all sorts short of removing your legs or kidneys ( that's Fredricksons department me thinks)

No unfortunately not. All was well till July 2009 when me and ex split. What gulls me is I have the last bill which say's £598.00 now its up to £850..... Hence SAR to Argos. Card is very old, I have a bill from 2002 I have been lucky so far, all my creditors have accepted I'm broke, no assets and have been making token payments since Oct 2009. Yes the odd review but I just thank them for showing me that in this economic climate I am worst off will they accept 50p, that shuts them up. M&S are reviewing at the moment, first time in two years sent income and Expenditure to show them just how poor I am. As I said I have only ever SAR Yorkshire bank because I made a complaint with FOS but never followed it through, they sold the overdraft to Marlins and they only refunded me £100 of the £475 of charges for there errors. So I am going to claim or try to claim them back. Like yourself, I take control to be fair I am quite surprised a lot of my original creditors are still dealing with my accounts,,, very strange..

Sorry Kerravon,, miss-read please do not take offence, your input is gratefully appreciated. Yes I am seeking help on these muppets because they are mean't to be the bad boys of the industry. my thoughts were on should I pay while I await information from Argos as to how this bill is made up and if they have a valid CCA,,,, Freds have agreed token payment straight away but have asked me to set up a direct debit where I asked them for there standing order details. They want Hippy to ring... (no way ) and as priority say's they don't own the debt so cannot proceed to court.....I am going to withhold payment until such time as they send me there standing order details and have received all the information I require about this debt. Also who are they to say I am legally responsible, they are jumping the gun a bit. Just to add, I continued paying Marlins even though the account is in dispute so it is probably the best way to go. I will just ask them for there standing order details and await Argos response.

Just go for it, I have invoice Muppetcroft today for my admin fee's. Very generous of the Hippy only charged them £10.00 but hey,, they seem to add on ridicoulus charges with no founded grounds so why can't we. They won't pay, so when my debt is finished it will be for what the original creditor demanded which I have in writing and have sent to muppetcroft on several occasions. As from a previous posts, we are not clients of there's, I owe them jack, so go whistle. Rockwell, that's great. They think with a couple of ( I will use Bazooka Boo's words) puerile pre-litigation letters we are all going to crumble and sell our body parts to pay them... NO WAY As I have said on many occasions, I use to worry the hell out of myself until I found you guy's.... Now I can't wait for the idiots to poke there head over the parapet. Nearly two and half years of 18 accounts with 13 different creditors and all sorts of threats and guess what, Hippy still here in house and enjoying life, a bait, a little poorer but still have me heating and lighting and food. If those pond life had there way I would be in a tent half starved.... Now what about those bankers who lost billions are they having to pay it back,,??? bet your bottom dollar not.

Joe,, you have saved Hippy a few pence there, I did not realize that.. Thanks mate new notes for hippy. By the way those clowns Moorcroft sent hippy a acceptance of me £1.00 and a expensive paying in book. With again the wrong amount on, they are charging unlawful charges.. guess what here is Hippy's reply so Dragon take note. Off to post it now.. and anymore will incur more of my charges. File0001.PDF Reply letterin respect of book 09042011.doc

I agree with the Count,,, write and ask them to follow up there bluff,,, tell them you will even loan the money for a coffee for there representative at court.... As tingy say's you put your finger on the Bankruptcy button and they all but P**h themselves,,, I own me own property but guess what,,,, ( neg equity and rising) I have only had one threat of that from some DCA at the start,,,,,, for a dodgy Virgin card that has no CCA. Told MBNA to make my day and see them in the BR courts that was two years ago and the house was just a grand in profit at the time.... Guess what,,, next letter offered a 70% discount if I paid in full..... Now does that speak volumes or what..!!!!!!!!!!! Hippy say's ok, how about a £1.00 a month on the 30 % left... hmmmm they just accepted token payments on the whole amount,,,, Then those bad boys come on with a threat of a charging order.... PLEASE PLEASE Say's the hippy but produce your documentation and get CCJ first... also will fight the charging order on the grounds of joint ownership, preferential treatment of one creditor over another the whole works.... GUESS what..... ok £1.00 a month. Now what is the point in all that phish and wind..... !!!!!!!!!!! yes I suppose had I not met you guy's here I would have trembled and had sleepless nights.... I made no secret of my financial situation at work as the calls were coming thick and fast after me and ex split... but lucky hippy works in a Emergency department of a large hospital so hey quickly got NHS legal on the case ... shut the clowns up big time.... Now, I was so surprised after telling my professional colleagues of my situation that I know of a few who were being taken to the cleaners by DCA's that is until I told them of this site... In the last two years at least six of my work friends have come into work with smiles on there faces,,, They have had so much help and advice and are now so better off thanks to you guy's and girls.... SO GO ON ASK THEM TO MAKE YOUR DAY. BET ME NEGATIVE EQUITY THEY WON'T.

Thanks Keveron,,, food for thought. So are you telling me that you would await a CCJ before paying any debts.?????? I am not criticising just wondering why you would seek that route of going to court first before paying.

Good points from both Basil and priority, I have decided after careful consideration to hold off payment at present. Not because of the CCA, but because this bill has shot up from just over £600 in December 2009 to nearly £900. I want to know where these excessive charges have come from. Also if it does go in front of a judge he will see that I have been paying 17 of my creditors without fail for over 2 years. Also I asked Freds for there standing order details, but know they want me to ring for them. Have you noticed that all DCA's never give out there standing order details, they always want you to ring. I never have and I never will. Also, I have a weapon of mass destruction in my armoury, I have my £600 stashed away with good old mum so that if ever any of these pond life try for a charging order I will just go Bankrupt. I am 52 years of age, credit rating shot away so I am never going to get a mortgage again and I certainly don't want credit. I know some will say I should have put that money on my debts but hey, as in the bad old days of the cold war, I have my finger on the bankruptcy button should the other side go for all out war. I would also say Basil, that I have cleared two of my smaller debts and am nearly finishing a third. I know I owe the money and as soon as my kids have left education there will be a lot more money for my creditors, but maintenance is a priority or its jail for the hippy.

yo Rev, it has to be someone taking the Phish or has stolen my special ciggies. Dragon, just to really put your mind at rest, this is a letter I sent to Moorcroft over a O2 bill my lovely ex left me with. As you can see they did not like me just paying a token payment. but hey like it or lump it. And yes it's for real, A big thank you to Bazooka for his input on another one of my creditors he is helping me with. You can see his paw marks all over this letter.. dragon.doc

I have ploughed through this thread with tears in my eye's. My God is Dragon for real ?????????????????? I think this is a wind-up..... I think this is moorcroft having some fun at our expense, surely after five pages of Bazooka and the rev and all the other great caggers this guy or girl cannot be for real.... DRAGON, WAKE UP SMELL THE COFFEE LISTEN TO THE ADVICE AND I CAN PROMISE YOU THAT THE SUN WILL STILL RISE TOMORROW AND YOU WILL STILL BE A MILLION MILES FROM THE COURT HOUSE. You can have my 40k plus of debts,,, over two years with threats of near annihilation and still have not met the lovely Judge... You are in command. As one good cagger put it,,,, You owe orange £xx.xxx Hippy has been instructed to collect. Send me your hard earned now please... ughhhhh.. Dragon, have you been in my special weed patch..!!!!!!!!!!!!!!!!!!!!!!

Decz, Great advice from the guy's on here. I have upwards of £40k debts own house (neg equity) and I have had to struggle to keep house and secured debt when ex left me high and dry. That was in 2009, most of my creditors accept the situation in that i can only afford a £1.00 at the moment until the wee ones leave school. Priority debts come first... whether your on benefits or change of circumstances like myself. Had sleepless nights till I found this site,,, the guy's here are terrific and give good impartial advice and help with any pond life of a DCA who try's to think they are the LAW and above the LAW. In fact now, I relish them putting there head above the parapet as I then hit them with a CCA and SAR and find to my horror that in most cases they have not a leg to stand on or have charged me extortionate and illegal interest and charges.

yo, tell them to Foxtrot Oscar in whatever way you wish. Statue barred is Statue Barred however they dress it up. Sit back, relax and then send a letter with your fee's on it in respect to your time and money spent in answering there empty threats...