Not good news for any one on the receiving end PGH The only hope is that HMRC might just might be a bit more proactive when it comes to complaints being made Just have to wait and see how long it takes for new threads to appear R

Hi id This is the Stat Barred letter from the library . . http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred So as I put above if you're dates/facts are correct amend that letter to suit and that should stop them in their tracks, obviously keep a copy and get proof of posting Seems like game over R (If I've got it wrong we'll both get put right LoL)

Breach of OFT Guidelines 2 UNFAIR BUSINESS PRACTICES Communication 2.1 It is unfair to communicate, in whatever form, with consumers in an unclear, inaccurateor misleading manner. 2.2 Examples of unfair practices are as follows: b. leaving out or presenting information in such a way that it creates a false or misleading impression or exploits debtors' lack of knowledge c. those contacting debtors not making clear who they are, who they work for, what their role is, what the purpose of the contact is

Well done Grif Keep everything written down and safe for future ref They rely on fear and you not knowing what to do, feels good to find out you have more power than they like to acknowledge R

:juggle::juggle: We can even help with that mb

mb They will puff out their chests scream/shout/bleat and throw their toys about but realistically they can do very little, they rely on fear and lack of knowledge The next step is for you to take control by telling them how much you're going to pay based on your I & E (That is none of their business by the way) I wouldn't even go for £20 I'd start at £5, pay by SO only and as long as you make these payments they wont go anywhere near a Court as the Judge would take a very dim view due to the effort you're making Do everything in writing so you have a paper trail Well done for getting this far and good luck with what's to follow R (0h poo Brig got there first again LoL)

What worries me is the fact that I seem to be following up the rear Brig Nice to get such a quick result though R

That's not nice Brig

They got mentioned in another thread re OFT slapping their wrists http://www.consumeractiongroup.co.uk/forum/showthread.php?283393-OFT-cautions-Tooth-Fairy-Finance

:whoo: Nice one mb

That's got the ball rolling Griff If they contact you again you could just tell them that the matter is now part of an OFT complaint OR you just let them dig the hole deeper and wait R

Well now we've got you started mb the next thing is . . stop having a go at yourself It's amazing what a little TLC/Support can do R

Hi mb To follow on for Brig's sound advice if however this was via DD get straight into your Bank with your paperwork, explain that they've taken the full amount despite you explaining your circumstances, you're now in severe financial hardship and can they invoke the Direct Debit Guarantee and get a cash back The problem with that as I see it is you agreed to the withdrawal as part of the loan T & C's BUT wrote in advance asking for help Good luck R

OFT Guidelines False representation of authority and/or legal position 2.3 Those contacting debtors must not be deceitful by misrepresenting their authority and/or the correct legal position. 2.4 Examples of unfair practices are as follows: a. falsely implying or claiming authority, for example, claiming to work on instructions from the courts, claiming to be bailiffs or, in Scotland, sheriff officers or messenger-at-arms b. falsely implying or stating that action can or will be taken when it legally cannot, for example, referring to bankruptcy or sequestration proceedings They can only get a Warrant of Execution if they obtain a CCJ AND you default on that, even then they have to re apply to the Court when the balance is too low to qualify for such proceedings or claiming a right of entry when no court order to this effect has been granted There's a little something to start you off with Griff R

Hi Griff Welcome to CAG Try not to panic (Not easy I know) This lot have been mentioned before. . . http://www.consumeractiongroup.co.uk/forum/showthread.php?305243-tooth-fairy-finace-and-marshall-hoares-bailiffs Follow alf's advice and get complaining Good luck

Hi ss Given the many many ways that such information is linked I'm afraid I think the answer is . . . more than likely I know that's not what you want to hear but best be prepared Regards R

Morning Hf Sorry to hear of the situation re your FIL If this is not a joint debt whereby your MIL is named on the agreement then it's nothing to do with her and she can't be expected to take over any payments As for your FIL and his payments write to Wescot explaining what's happened and TELL them that given the circumstances all they'll be getting from now on is £1 token payment and remind them of the fact that as members of the CSA they are bound be their Code of Practice . . . . l) Have due regard and dealsensitively with individuals where evidence has been given, or is apparent, that the individual is incapacitated by mental or physical disability. p) Take into consideration before determining whether to enforce repayment, allinformation supplied in relation to the reason fornonpayment, which may include The Common Financial Statement, or the debtor’sfuture ability to repay. If the debtor has disclosedmultiple debt problems, inform them of theavailability of accredited advisory services. Whereavailable, provide in all relevant correspondencethe name or designation of a specially trainedmember of staff who may be contacted regardingfinancial difficulties. You might find that Wescot might ask for written proof that you can act on your FIL's behalf though I'm sure more advice will follow Good luck R

Don't worry ads You've stated fact not "Untruth" about this guy and his actions so he's got more to explain away than you have R

Hmmm is this pictorial libel or an artistic representation of an opinion Nice one cerb R

Hi Cb This is a quote from the Postal Services Act 2000 . . "A person commits an offence if, intending to act to a person’s detriment and without reasonable excuse, he opens a postal packet which he knows or reasonably suspects has been incorrectly delivered to him." Part of my job is to deal with items of Post that Royal Mail cannot sort for the Companies in my Building I often have to open the envelope etc in order to get either more details as to which companie it goes to OR to obtain a return address, as my actions are not detrimental in any way I'm not doing anything wrong R

Obviously more screwing going on than everyone thought eh vic R x

Ermm! From a male perspective I agree 100% vic R x

Good morning vic I bet nothing happens to either Moorcroft or the so called "Agent" It also seems that your take on the term is well founded . . http://www.google.co.uk/url?sa=t&source=web&cd=2&ved=0CCsQFjAB&url=http%3A%2F%2Fwww.phrases.org.uk%2Fmeanings%2Fcock-up.html&ei=5zjWTfS2KsuLhQfP3_TOBg&usg=AFQjCNGIbV9sGgDXhQXqE5URw2rcqtJv_g R x

Good point cynic The scary thing is he can see the odds are stacked against him yet he still keeps going by spouting more rubbish and generally acting like Richard Cranium R

The call must have made a great start to your day ads . . Bankrupt for £100 yeh right . . more rubbish from Mr Hart R