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car2403

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Everything posted by car2403

  1. RIP Marty, have fun up there with the Rooster :(
  2. It should be a birthday card! I actually cringe when I see this thread pop up now.
  3. These (long and protracted) discussions have been ongoing, but IW now accept my position and have agreed settlement of the claim, which is nice - and all I wanted all along. Happy days...
  4. I have IW's attention, now at least. Aside from blaming me for all of this () the discussions are ongoing. Update soon, as the Court deadline approaches and I don't intend on backing down from my position as I've outlined. Their communications with me will certainly raise an eyebrow from the Judge, when we get there. Oh, IW have 'locked my account for security reasons', so I can't order from them again. As if! What 'security reasons' are these then? I may ask Customer Services to explain that. This seems very unfair to me. As for Moorcroft, they have returned the account to IW. I bet
  5. Nothing from any of them. Took me some time, but MCOL now issued: Issue - 21 November Service date - 26 November Defence/Acknowledgement date - 10 December Defence date, if acknowledged - 24 December Moorcroft have until 8 December to respond to my complaint, or that will be off to the FOS next
  6. Reply from Moorcroft: They best be quick about it, time is running out. Hello, guests. Nice to have you here.
  7. Reply from IW: Now, that is an interesting response to a threat of legal action, is it not? I hope I hear back from Moorcroft and receive my full refund before Sunday, or it's straight on to MCOL to issue a claim. Unbelievable that they've effectively dismissed my query and are refusing to call off Moorcroft at this stage!
  8. Had this from Ideal World, clearly before my email was sent: So, let's break this down. £67.33 owed to IW, but that includes 2 x £10 admin charges, plus VAT. (£24) The ACTUAL 'debt' (I 'quote' debt, as I don't owe them anything!) is £43.33. These admin charges account for 55% of the 'debt'. Then there's the 'debt collection agency charges'. 14% plus VAT for collecting, (£9.43, plus £1.89 VAT) or 29% plus VAT for doorstep collecting. (£19.53, plus £3.90 VAT) That's, either, 16% in charges for 'collecting', or 34% in charges for 'doorstep collecting'. This is AFTER IW's cha
  9. Thanks Unky, but the order numbers only identify me to them and I suspect they will know who I am when they read that email anyway. Mind you, it took them about a week to reply to other emails querying orders previously, so I may see something from Moorcroft before I do from Ideal World. It's a shame my (and your) experiences have been so negative - they sell some good products at decent prices, but they really need to sort their service out if they intend on keeping customers in the longer term. I'll be using QVC more often, instead
  10. Hi Forum, long time no speaky... This says it all really, so here goes: I will of course update as and when I get a response
  11. The splitting points appear to be Darlington, York, Doncaster, Newark Northgate, Peterborough. Single tickets split between those stations mean I can do there and back at a reasonable time of day for £160
  12. Well, not really, enigmatic, as the OP hasn't had the elusive Final-Final-Final-Final demand, yet. Do keep up, chap! :lol:
  13. Exactly. The claim against the OP has been judged and they shouldn't be using debt collectors to harass him - any enforcement of the Judgment should be via the Court, not by other means that are outside of the Courts' process.
  14. It is poor business practice, having multiple companies collecting on debts and while Court proceedings are underway To complain to the FOS, you need to write outlining your complaint to the company involved giving them time to respond. If they reply and you aren''t happy with the response, or they take longer than 8 weeks to reply, you can proceed to complain to the FOS
  15. You should complain to them first, as you;ll need a final response fromt hem to get to the FOS
  16. It's unfair trading practice for a debt to be sold or collected while Court proceedings are underway - you should consider complaining about this practice to the Financial Ombudsman as you're now unwilling to go to Court. They have been known to seriously compensate those on the receiving end of such practice, plus you could always use a trade off of withdrawing your FOS complaint should they withdraw from the Court claim and write off the debt. You need to be as creative as they are...
  17. That's the point, an estoppel can't be inferred - it has to be explicit. Promissory estoppel is a promise not to do something in exchange for a benefit and there has been no promise here, only a change in how the debt is recorded with the CRA
  18. I think it's better to let sleeping dogs lie, unless you are specificially interested in and could successfully challenge any incorrect information on your CRA file There can't be an estoppel here, as no promises to not collect on the debt have been made, and even if they have, (by virtue of the CRA entry being zero'd and not chased - which is unlikely on balance of probabilities) then that would only apply to the OC, who is the one recording the data. It won't apply to debt collectors, should the OC have assigned the debt elsewhere and washed their hands of it, which i
  19. We had a 'Final demand notice' in August last year - shouldn't this be a 'Final final demand notice', and will there be a 'Final final final demand notice' arriving next? This could go on for some time...
  20. Yes. The requirement is to have sent a Termination Notice to end an overdraft agreement to allow them to default you. You're attempting to find out, from their records, whether a TN was sent. You don't need to know if you received it, but unfortunately the legislation doesn't require you to have received it for them to take that action against you as they have. If you can show no TN was sent, then you will have a case for removing the default, but there would be nothing to stop them sending a new TN, now, and re-adding the default on your CRA file
  21. They returned the £1 payment? Yes, the debt is statue barred if not acknowledged in the last 6 years, you should also send the harassment letter to stop them chasing you.
  22. Yes, they should, because an overdraft is a CCA regulated debt. The problem with this is getting it removed, as the overdraft has been used and you haven't paid it, therefore the debt is overdue and you are in default of payment. Removal of Defaults isn't an easy thing to do, unless you can demonstrated that any of those things recorded are incorrect and inaccurate under the Data Protection Act, as the CCA isn't entirely clear on your rights and you may end up relying entirely on the DPA. Did you receive a termination notice? It would be worth sending a Data Protection Act Subject Acces
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