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  1. New law introduced to protect vulnerable people in care READ MORE HERE: https://www.gov.uk/government/news/new-law-introduced-to-protect-vulnerable-people-in-care
  2. New law introduced to protect vulnerable people in care READ MORE HERE: https://www.gov.uk/government/news/new-law-introduced-to-protect-vulnerable-people-in-care
  3. Back in January 2017 I switched banks. Everything seemed to transfer over with no issue until July 2017 when I received a letter from Kwik Fit Insurance Services saying I owed them £107 for a home contents insurance policy. On checking my direct debit list I discovered that no payment had been taken for the direct debit. I had two direct debits with Kwik Fit insurance at the time, one for car insurance the other for contents. I rang the bank who confirmed that Kwik Fit had never applied for the payments to be withdrawn from my account. I sent a recorded delivery letter to Kwik fit and followed up with another letter (again sent recorded delivery) three weeks later after I had heard nothing from them. A month after my second letter I received a letter from Resolvecall to recover the debt on behalf of Kwik fit. I telephoned Resolvecall and explained the situation and asked them to look into the matter. The girl I spoke to said she would and would email me within 14 days. I heard absolutely nothing and (stupidly) assumed it was the end on the matter. Four weeks ago I received a letter from Arc Europe who have now bought this debt and now a letter from Major Law with fees added. They are now asking for £130. Can anyone suggest how I should handle this? I am not denying that this money should have been paid, albeit by monthly direct debit, but I tried to communicate on several occasions first with Kwik Fit and then Resolvecall only to have my requests ignored. I can't take the chance that this could go to court as my job relies on me having no CCJs on my credit file. If I have to pay the money I will (though I wouldn't be able to pay all at once) but I don't think I should have to pay costs. Would it be worth sending a letter to my bank under the bank account switch guarantee? I'd appreciate any advice. Thanks so much in advance.
  4. Hi All, Today I have received a letter from Moriarty Law: Our Ref: xxx Acc No: xxxx Amount Due: £185.88 Claim No: xxxxx Original Lender: Talk Talk Limited Dear Mr. X, Following our earlier letters regarding the above outstanding balance we have now issued proceedings in the County Court at Northampton to effect repayment of this debt. You will shortly receive a County Court Claim from Northampton County Court along with an information pack containing details on how to respond. It is still not too late to amicably resolve this matter and therefore please call our offices within 14 days on 02031264544 where our litigation executives will be happy to help and explain the options that are open to you. Yours faithfully, Moriarty Law I believe this "debt" relates to my previous house where I lived with an ex-wife. My ex took out a restraining order against me and so I was effectively kicked out of the house. I contacted Talk Talk who supplied the phone and broadband and told them I was no longer living there and they sent me a change of ownership form. I filled it in, sent it off and thought that was the last of it, and cancelled my direct debit. Until today, when I received the above letter. I have access to my Experian credit report and nothing mentioned on there about it either. After checking my emails, I signed up on 10/11/2012. After checking my bank statements, it seems the last payment I was for £10.11 on 04/07/2013. Will I definitely be getting a claim form or is there a chance they are trying to scare me into paying up?
  5. Hi I received a claim form about an alleged outstanding debt with TalkTalk from 23/03/2012. I have not replied to the form as i only received it today. They claim on the form that i agreed to pay in monthly instalments on the 21/03/2014, This is the first time i have ever heard of JC International and i have defiantly not agreed to any sort of payment plan with them. Is this one last dig for them to try and recover the debt as it is now statute barred. How do i go about fighting this as i really don't want a CCJ on my record.
  6. Name of the Claimant ? motormile finanace u ltd Date of issue – 22 nov 2017. What is the claim for – 1. the defendent owes the claimant £200 under a regulated loan agreement with ariste holding ltd t/s cash genie dated 16/06/14 and which was assigned to the claimant on 27/04/2016 and notice of which was given to the defendant on the 27/04/2016 (debt) 2.Despite formal demand for payment of the debt the defendent has failed to pay 3.and the claimant claims £200 and further claims interest thereon persuant to the section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 8.00% per annum amounting to £16 What is the value of the claim? £300 rounded figure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL When did you enter into the original agreement before or after 2007? after Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. - debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? no Did you receive a Default Notice from the original creditor? no Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? no knowledge of debt What was the date of your last payment? not applicable Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no, first I knew of the debt was a letter from Moriarty law 2 weeks ago.. I sent them the prove letter via email to their official email address and got no response Hi, I received a county court claims form this morning for an alleged payday loan debt... The OC was Cash Genie, the claimant Motormile Finance and the solicitors are Moriarty Law.... .I did take out a couple of payday loans back in 2013, but have no genuine knowledge of this one..... ....I received an LBA (or what I thought is one) from Moriarty Law a couple of weeks ago, I emailed them the 'no knowledge of debt/prove it' letters but received no response from them until the claim for arrived this morning. .....I'll acknowledge later on today and will be defending all
  7. Lantern DRS Limited (Formerly MMF) Date of issue – 11 JUN 2018. Date of issue 11 + 19 days ( 5 day for service + 14 days to acknowledge) = 29 Jun 2018 + 14 days to submit defence = 13 Jul 2018 (33 days in total) Particulars of Claim What is the claim for – the reason they have issued the claim? 1.the defendant owes the claimant £550.00 under a regulated loan agreement with cfo lending ltd dated 02/08/2013 which was assigned to the claimant on 25/08/2017 and notice of which was given to the defendant on the 25/08/2017 (debt). 2.despite the formal depend for payment of the debt the defendant has failed to pay and the claimant claims £550.00 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate 8.00% per annum amounting to £44.00 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? NO What is the value of the claim? £594 + COURT FEE £60 + LEGAL FEE £70 = £724 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PAY DAY LOAN When did you enter into the original agreement before or after April 2007? AFTER Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT PURCHASER Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? NO Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? NO Why did you cease payments? Unknown Debt, I had a number of pay day loans around 2012/13/14 and as far as I was aware they had all been paid off in full. This has never shown up on any credit report as a missed payment or default. What was the date of your last payment? UNKNOWN Was there a dispute with the original creditor that remains unresolved? CFO WENT INTO ADMINISTRATION Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? NO Hi Guys, I have had a court claim letter through the post. I have been onto the MCOL site and completed the AOS steps. I have also just written out the CPR request and CCA request that will go in the post Recorded Delivery tomorrow. As mentioned above I am not aware that I owe any monies to CFO lending as I paid all my loans as far as I am aware. I also vaguely remember my account getting a redress from CFO in the tune of £650+ which is more than what they are claiming I owe. Any help would be much appreciated
  8. CMA consults on draft consumer law advice for care homes READ MORE HERE: https://www.gov.uk/government/news/cma-consults-on-draft-consumer-law-advice-for-care-homes
  9. Hello, I wonder if someone could please help me with this? I had TalkTalk as broadband provider back in 2011. I moved property back in June that year, informing TalkTalk by phone that the landlord agreed to continue with the service and we just wanted a change of name. On the 06/06/11 I was provided via email with a change of name form, which we sent via Royal Mail following the procedure that the retentions advisor suggested and paying for all my account balance, canceling the direct debit. My Landlord, who moved back to the time to the property made calls to India (so I knew it was him) and realized that they never changed the ownership of the account, even when I called them months after the mistake, indicating that the form could have probably been lost in the post. Ever since, I've had a series of collection agencies trying to get the money back, to all of them, I;ve explained the same story over and over again until the last one with Moriarty Law, the ones that are now threating me to take me to court if I dont pay the inflated amount of £208.93. I do understand that these companies just buy the debts in a desperate attempt to get money back. I did explain on the phone that I don't owe anything to TalkTalk and how it was possible for them to keep chasing me as I understand that this should be categorized now as barred? I wonder if there's anything I could do or hit them back? I hate people like this chasing me for something that I've already explained, declaring that if they didnt change the name on the account it was their problem not mine and they are chasing the wrong person for the debt. I think after 7 years I've had enough of clowns chasing me for this and believe now that this is an unlawful practice under the limitations act? Can I now take them to court for harassment opening a case in the small claims court? Thank you beforehand for any help you can provide me with. Kindest Regards, GB
  10. Name of the Claimant ? MMF Date of issue – 12th April 2018 What is the claim for – The defendant owes the claimant £587.43 under a regulated agreement with uncle buck LLP 29/4/2013 and which was assigned to the claimant on 22/11/2013 and notice of which was given to the defendant on 22/11/2013 (debt). Despite the formal demand for payment of the debt the defendant has failed to pay and the claimant claims £587.43 and further claims the interest thereon pursuant to section 69 of the country court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £46.99 What is the value of the claim? £764.42 Is the claim for - payday loan When did you enter into the original agreement before or after 2007? after Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim? mmf Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Possibly yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure probably Why did you cease payments? could no longer afford payments What was the date of your last payment? 2013 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no Good Evening all. The above is what you ask for. I have spent a long time over the past few weeks/month reading other threads & posts & I believe I have proceeded correctly so far without bothering anyone. I have added pdf all the correspondence between myself & MMF Lantern & Moriarty Law. TIMELINE LETTER 21/7/17 MORIARTY LAW been instructed by MMF : Ignored LETTER 7/8/2017 MORIARTY LAW "FINAL DEMAND BEFORE PROCEEDINGS" : Ignored LETTER 4/1/2018 MORIARTY LAW "LETTER OF CLAIM" : Ignored LETTER 22/1/2018 MORIARTY LAW "FINAL DEMAND BEFORE PROCEEDINGS" : Ignored LETTER 12/4/2018 MORIARTY LAW "COUNTY COURT CLAIM ISSUED" A claim was issued against you on 12/04/2018 Your acknowledgment of service was submitted on 13/04/2018 at 17:30:56 Your acknowledgment of service was received on 16/04/2018 at 01:04:33 I sent a CCA Request to MMF on 17/4/2018 signed for received by them 18/4/2018 CPR 31:14 request to Moriarty Law on 17/4/2018 signed for received by them 18/4/2018 LETTER 20/4/2018 LANTERN postal order returned LETTER 20/4/2018 LANTERN two copies of agreements for other payday loans irrelevant to this claim LETTER 12/4/2018 MORIARTY LAW copies of STATEMENT OF ACCOUNT & NOTICE OF ASSIGNMENT LETTER 12/4/2018 MORIARTY LAW copy of agreement & electronic signature I am @ the stage of submitting my defence & I believe the due date is tomorrow 14/5/2018 by 4pm. The below is my defence : 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. The Claimant claims £587.43 is owed under a regulated loan agreement with Uncle Buck Finance LLP. I did not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a Section 77 and CPR 31.14 request who are yet to comply. 3. The Claimants statement regarding the assignation of the debt is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served on ************ from either the Claimant or Uncle Buck Finance LLP. 4. It is therefore denied with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 5. On receipt of this claim I requested, by way of a CPR 31.14 request and a section 77 request, copies of the documents referred to within the Claimant's particulars in order to establish what the claim is for. To date the Claimant solicitors, Moriarty Law, have failed to fully comply with this request. The claimant in an attempt to comply with my section 77 request has sent me two copies of agreements which are not connected to this claim. 6. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the consumer credit Act 1974. 8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. So please I am asking & observations made: 1. As I have received the copies of the statement of account & notice of assignment, copy of agreement & electronic signature I presume I will have to change the above defence slightly or shall I just submit anyway on mcol & let Moriarty presume I haven't received docs after all not signed for by me???? 2. Have I got my dates correct for submitting.....I hope so!!!?? 3. No default notice received by Moriarty is that good for me? . 4. Two copies of agreements for other payday loans irrelevant to this claim from Lantern Thank you in advance for any help received & I will continue to update this post to help me record what I have done, so you can advise & others can hopefully gain vital info Thanks Again lizmlbundle.pdf
  11. Hello - I am new and clueless so thank you to this site and to any who respond for any help. I have received a letter after several previous horrible threats from the same stating that they have initiated a court claim. Assuming they are telling the truth and the claim arrives soon is there anything I should do now or should I wait to make a post when it arrives? Many thanks
  12. Hello to all you helpful souls @ CAG, I am hoping for some advice...... A couple of years ago I took out a payday loan with MRLENDER @ £700ish. I found myself in financial difficulty and was not able to repay. I tried to talk to MRLENDER but they were not interested in my circumstances and just insisted on full payment or interest/charges would be added etc. This annoyed the hell out of me!! Therefore I just ignored them. I have now received a letter from MORIARTY LAW (dated 09/12/16), stating; Amount Due: £1312.50 Original Lender: PDL Finance t/a Mr Lender We have been instructed by Motormile Finance UK Ltd (MMF) in relation to recovery of the above debt. The debt must now be settled within the next 14 days by either payment in full or an initial payment and an acceptable repayment plan. In the event we do not hear from you within the next fourteen days we have been instructed to issue proceedings without further reference to yourself. To ensure you are fully aware of the consequences of legal proceedings being issued against you we have detailed below the costs, fees and interest that the court will add to your account should this action be taken. Court fees: £70 Solicitor costs: £80 Interest: £105 The issue of proceedings and any consequent judgment in our clients favour would therefore result in your debt increasing to £1567.50. I have not been informed by Mr Lender / Motormile that this has been passed on/sold to Moriarty Law. I do work full time, however I am in receipt of child tax credits and don't have the money to pay this off in full...should I try to arrange a payment plan? Is Mr Lender in any way liable due to poor affordability checks in the first place, or is this all on me solely? Thanks in advance for any and all replies. Dave.
  13. Morning All I have just got back from a business trip (been away 6 weeks). On opening my post I have come across a Claim Form (Northampton Court) filed by Moriarty for the Claimant (Motormile). Debt is for 859.33 plus interest (928.07) plus court fee (60.00) plus legal rep's costs (70.00) - total 1058.07. Can someone please help as to how I should respond because I believe as this was issued on 15 August I have very little time to do anything about it. I had been getting letters from Motormile and then Moriarty for a while but have ignored all. Worried!!!!
  14. Hi, I have been helping my partner with a claim that has come through from Moriarty Law. The circumstances of this is a county claim form came and was defended. Defence being that she was unaware of the debt or even the contract. Her ex-husband was controlling and dealt with all of the services to the house. She left the property 01/01/2012 and moved away and everything was dealt with by a solicitor. She has spoken with Moriarty Law a number of occasions asking for a copy of the agreement and when this was signed as she had no knowledge of it. A formal request was sent as the defence was submitted with no reply. Allocation questionnaire has been filled in and returned, Moriarty law have now sent a copy of their defence. Hearing is scheduled for 8th Dec In order for us to help you we require the following information:- Name of the Claimant JC International Acquisition Date of issue – 15th June 2017 What is the claim for – 1.The claimants claim is for the balance due under an agreement with talk talk limited dated 06/2011 which was assigned to the claimant on 03/2014 and notice of which was given to the defendant on the 03/2014 and which is now all due and payable: 2.the defendant agreed to pay monthly instalments under account number XXXX but has failed to do so and the claimant claims the sum of £160. 3.The claim also claims interest thereon pursuant to S.69 county court act 1984 limited to one year to the date hearof at the rate of 8% per annum amouinting to £20 What is the value of the claim? £250 Is the claim for - Landline and Broadband When did you enter into the original agreement before or after 2007? after Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. - assigned Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Was not aware of the account, split up 01/01/2012 and didn't even realise the phone account was under my name. What was the date of your last payment? unsure Was there a dispute with the original creditor that remains unresolved? Wasn't aware of the debt. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? No communication with Talk Talk What you need to do now: would like some assistance in preparing defence and also witness statement ready for court
  15. New plans for military flexible working become law READ MORE HERE: https://www.gov.uk/government/news/new-plans-for-military-flexible-working-become-law
  16. Good morning all On 16.09.2017 i have received a claim form from county court business centre Issue date 13.09.2017 Particulars of claim The claimants claim is for the balance due under an agreement with Talk Talk Limited dated 25.03.2010 which was assigned to the claimant on the 26.03.2014 and notice of which was given to the defendant on the 26.03.2014 and which is now all due and payable. The defendant agreed to pay monthly installments under account number 100326xxxx but has failed to do so. And the claimant claims the sum of £423.54 The claimant also claims interest thereon pursuant to S.69 county court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £33.88. Amount claimed 457.42 Court fee 35 Legal representative costs 50 Total amount 542.42 On 18.09.2017 i receive the following letter from Moriarty law: Date 15.09.2017 Dear Mrxxxxx Re: JC International Acquisitions LLC vs Mr. A xxxxx in the Northampton County Court Following our earlier letters regarding the above outstanding balance we have now issued proceedings in the County Court at Northampton to effect repayment of this debt. You will shortly receive a County Court Claim from Northampton County Court along with an information pack containing details on how to respond. It is still not too late to amicable resolve this matter and therefore please call our offices within 14 days. Alternative you may write to us at the above address or email within 14 days. Based on the particulars of the claim should i defend? Looking at the dates is this a statue barred debt? Should have they sent me the letter before the claim form and not after? What is the best way to go forward? I haven't yet acknowledged the claim on the website Many thanks Andrew
  17. Hey CAG, Hopefully someone can help me out with this issue. I just got a court letter issued 27th of June from MMF via Moriarty Law looking for payment from a payday loan taken out in 2011 from wageday advance for just over £400 (The claim was filled with the Northampton County Court). I went online and responded to the claim with an acknowledgement of service, however I can see that I am over the 14 days I had to respond to the initial claim and now I am a little worried that they may have already filled the CCJ. I want to defend the claim as I am 80% sure they took the money out of my account (even though I had no overdraft facility) from LloydsTSB which left me with a debt with the bank. However it's been over 6 years from the initial default with wageday, I've moved a number times since then, and Lloyds and TSB are now two separate entities so it's doubtful I have the proof of this. I am hoping someone on here could help me with what type of response I should issue to the court, or to any of the claimants specifically? I really don't want a CCJ (who does) and I've recently got on top of some really bad debts so this would be a major blow to my credit. If someone could help me out, I'd be eternally grateful. Thanks!
  18. Hello, I have today received a letter from SCS Law who claim they've been instructed by Highview Parking Limited to recover an alleged penalty charge notice incurred by myself/my vehicle. Incensed by the content of this letter, I sought to establish what the address of the alleged contravention was supposed to have taken place it turns out to be my local gym where I've been a member for nearly 20 years and as such a legitimate user of their car park. I initially contacted Highview Parking to enquire about the reason for the letter and/or alleged contravention was advised by a lady to write to their Appeals Team who're based in Barnet. A second call to SCS Law drew a complete blank as the gentleman on the line advised that the firm had not been given any details on the alleged offence and had only been instructed by Highview to send out to me an initial notification letter. Now, knowing how some of these cases can be won and lost through technicalities and not wanting to allow my heated emotions overrule any logical thinking on my part, I'd be grateful for any advice on how I should proceed with this please, e.g. how and who to contact, my line of argument, etc. Thank you.
  19. Hi there all New to the site - but would welcome some urgent advice. I had a payday loan with Uncle Buck back in 2010, which I had to rollover on several occasions because of debt problems. I thought everything had been paid off, I moved home a couple of times, got married, changed banks, got on a better financial footing etc. All ok in the world. My postman has handed in 2 letters today - both are for addresses which do not exist (it's using the area as a street name which is wrong), and which I have therefore never lived at. The postcode & house number is right, but the address is plain wrong. He has tried my address as the other people on other streets have no idea where it's meant to be. by sheer luck - I have received a letter from Moriarty Law, on behalf of MMF (an old Uncle Buck debt) saying that despite earlier letters advising of x, y, z they are issuing proceedings in the County Court against me. And, he has also handed me a claim form from the County Court from MMF for the debt of £350 plus over £100 of costs! The court claim form is also for a wrong address (not just that I have never lived there but it does not exist). Here's the rub -IF , I do owe the debt I have no problem paying it off. I have no problem facing up to my responsibilities, and happy to pay. I am also in a fortunate position of being able to pay it off (although it will hurt to do so in one fell swoop), which I know not all are. However, I do not want a CCJ, AND, I cannot see how it is fair that I pay over £100 of costs and interest when I have never heard of a single thing for years from anyone until now. What's worse, is that I am going abroad with work next week for 2 weeks so won't be able to do anything and time is ticking (forms issued on 24th August). Moriarty Law are telling me to call them to amicably resolve the matter - but I have been reading online today that this seems an ill-advised course of action. I just want things sorted this week - even if I just take it on the chin. 1) How do I get the court action stopped? 2) The claim form/admission form - I ideally don't want to fill that stuff in, as I don't like the idea of someone holding my personal information somewhere. 3) If I just offer to pay Moriarty Law say £250 now, will they likely accept and cancel everything with the court? I don't want to pay even more interest when I paid the buggers a load of interest 5 years ago!! 4) How best do I communicate with Moriarty Law - and what's the best way to contact the court? I have worked hard to get myself onto a firm financial footing and an old CCJ is about to be removed from my file in the next year, I cannot have another one tagged on after all I have done. Please, can someone advise me - I would be eternally grateful. Many thanks NL
  20. Hi all, new to the forums but a familiar problem. It appears to be for a loan in 2013. Apparently its going to court 14 days from the date of the letter (29/12/17 dated) leaving me short of time. There is no mention of it on my credit file at all. I do not want to contact either company without first knowing the best way to do so. I also don't want a CCJ. I tried to upload the letter but the function isnt working for me. Any further information required?
  21. I had a letter from Moriarty saying they were acting on behalf of MMF who had *bought* a debt from WDA in 2012. I told them I had made a complaint to FOS re WDA and was waiting an outcome, which I had. Yesterday, I got home to 2 letters one from WDA who said that since some of the payday loans were from 2008-2011 they could not look at the interest and charges on them but did offer a payment of in total £382 as final settlement, which brings me to the 2nd letter from Moriarty who now say they have been in discussion with MMF and they are willing to take a payment of .. yep, £382 to settle the debt from 09/12. They have never registered this debt on any credit files and I know they cant know as its out of the timescale. Do you have any suggestions, if I take the settlement from WDA will I have to pay it straight to Moriarty, surely this proves they are all in cahoots as if we didn't know already. Does anyone have any advice for me please. Thanks
  22. Hi. Got a letter this morning from Moriarty Law that begins 'As you are aware, we recently issued court proceedings against you.' I have received no claim form or indeed any letters for this for a few years now. Its regarding an old wagedayadvance loan. Letter goes on to say 'We have been instructed by our client to enter judgement against you 14 days from the date of this letter.' Any advice please. Many thanks. Paul.
  23. Hi Could someone please help as I'm very new to this. I've just received a letter dated 3rd July from what looks like it's from County Court Business Centre. It says the claimant is JC International Acquisition LLC and the name for payment is Moriarty Law. It says I haven't replied to the claim form and am ordered to pay £1655.2 or £50 a month? It doesn't show what I owe it for but from looking at other posts, looks like it may be Talk Talk. Any help or how to respond will be much appreciated. Thanks in advance!
  24. Just reading this forum for some help I recieved a letter from Moriarty Law about an old pay day loan stating I owe about £200. I had several pay day loans, rolling the over etc and I must have paid far more than that in interest alone. (I had a period about 5/6 years ago when i got out of control with pay day loans and most of them were settled. Wonga even wiped off my debt as they said they had made errors in their porcess) I am adding a forum post as this letter comes at a terrible time from me, I have spent the last month in hospital with my father who has been recovering from cancer and 5 operations that has left him in intesive care. (Hopefully he can pull through but I digress) I wanted to just check my actions and keep a note of what I am doing do I don't end up with a backdoor CCJ. So..... - CCA being sent to Moriarty Law with Postal Order and letter stating my address. - If they send one back I have seen mention of an irreponsible lending complaint, so I'll read up on that. Thanks for the great information, I haven't been able to conentrate and this was so clear and easy to follow.
  25. Hi. Just needed some advice. I currently work in the care industry. At our place we do sleep ins as our clients need 24 hour care. A letter was written complaining that in light of recent rulings regarding sleep in pay, the employer was underpaying us under the national minimum wage. This was discussed in our staff meeting with all the staff names typed on it. The area manager wanted to know who sent it. They were very dismissive of the letter. The area manager commented on the poor way it was written. They wrote directly to the individual concerned saying they would look into it. As per company procedure, they failed to respond within the 10 working days. In fear of being singled out and the effects it could have, an anonymous letter was sent to the company. It stated that they had broken the law by not paying the minimum wage. It also said we should have been paid the full amount from the end of July. It requested that a response had to be made in 14 days on how they were going to address the back pay. It also expressed concerns of what may happen to the sleep ins and how it could affect our residents. Whilst not everyone saw the letter before it was sent, then the manager has shown the staff since. Whilst some did not give their consent, all agree, including the manager that the contents were right. Our concerns were over the monies owed to us prior to the 27th July 2017, the monies due since then and proposed changes to our sleep-in arrangements. This also include our residents would not be covered. We wrote this as we feared our jobs if HR found out. 1) The company tried to find out who wrote the letter. They got all the staff to sign if they knew anything about the letter and did they give authorisation. Most of us signed we did not in order to protect our identities, but we all signed “but we agree with the contents”. We all felt the company was more focused on who wrote it, rather than address the issues. 2) Over the last few days, they have called us all in individually after the company had an emergency manager meeting. We were all told verbally that the company has until March 2019 to pay. In addition, they said that they would be waiting for an appeal due in March over sleep in pay. From what we have understood, the ruling regarding back dated pay by the inland revenue only applies to pay owed up to the 27th July 2017. Normal enforcement by HMRC applies for pay after this date. A number of care companies already pay the correct amount, but the company still only pay £35 for a 9.5/ 10 hour sleep in. We are often up during the night and rarely get any extra. 3) We were all told verbally that the company may have to consider closures if this is pursued. We all felt that this was delivered in a threatening manner. 4) In terms of moving forward, they have proposed that our sleep ins will change to on call. We were told we could leave the premises at night and come back, but we must be able to return to the premises within 10 minutes (Nobody lives within 10 minutes). It would be monitored and anyone arriving later will have their contracts terminated. In addition, we asked if all the staff leave the premises, what would happen. We were told someone would have to stay and cover. In other words, we all feel they are trying to avoid their legal obligations and have shown no interest in any ideas or other ways that can address this issue. Most of us feel that the company is trying to take advantage of some of our foreign workers who are too afraid to upset the company. This was given verbally and they wanted us to sign that we had a supervision over this issue. We have also checked our contracts. We have noticed that training is also not paid. Training is a requirement by CQC and other care authorities. All staff must have certain training. This also, we feel is breaking the rules on the minimum wage. Any advice would be appreciated.
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