Mint-Moorcroft-now First Credit !!!!

[europa16]

Thx CCman

 

I've been offline the past week and moving house, so not been able to update this thread.

 

I have had a reply to my nice letter to Midas Legal Services explaining exactly which bits of the CCA 1974 Mint's application falls flat on its ass with (and it covered 2 whole pages - took me ages to write it!).

 

Strange how the reply came back from Moorcroft :cool:

 

And I quote...

 

"Thank you for your request for a signed copy of the relevant agreement under the Consumer Credit Act. At this stage we are currently unable to provide a copy of the agreement as we have been in contact with our client (Nat West Card Service) who have confirmed that to obtain a copy of the agreement under Section 78 of the CCA you must put your request in writing to the following address:-

CCA Request

Card Customer Services

PO Box 5747

Southend on Sea

SS1 9AJ

 

Yours sincerely

Mrs K Murray

Operational Support Supervisor"

 

No1... Nat West Card Services???

No2... I think I'd be wasting my £1.00 asking for any sort of agreement from any part of the RBS empire If Moorcroft or Mint ever read this - it's a bloody application form, you

!!

 

 

Methinks Mrs Murray's been on the xmas sherry a week too early :-D

 

(And what exactly does an "Operational Support Supervisor" do at Moorcroft, anyhow??)

[davey77]

Been reading through your thread tonight and find it to be yet another example of regulatory anti-climax. Been there, done that my friend. Any of this look familiar?:

 

http://i157.photobucket.com/albums/t42/davey77_2007/Cap1FOS1.jpg

http://i157.photobucket.com/albums/t42/davey77_2007/Cap1FOS2.jpg

 

Or this?

http://i157.photobucket.com/albums/t42/davey77_2007/PreviewofMoorcroft.jpg

http://i157.photobucket.com/albums/t42/davey77_2007/08.jpg

http://i157.photobucket.com/albums/t42/davey77_2007/Moorcroft.jpg

http://i157.photobucket.com/albums/t42/davey77_2007/Moorcroft2.jpg

 

or..

 

http://i157.photobucket.com/albums/t42/davey77_2007/MidasLegalmoorcroft.jpg

 

Guess what? Still waiting for them to take me to Court!

 

For future reference here is a good thread for any complaints to the FOS (should you feel the need). Don't forget, the FOS charge the creditor £450 every time you make a complaint.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/136654-complaining-financial-ombudsman-service.html

Edited December 24, 2008 by davey77
spelling

[europa16]

Thanks for that Davey, so it's not just me, then?

 

The response to your complaint from the FOS sounds v. familiar also..."fair and reasonable" - that's a word that got banded about by the FOS in my letters, although they did state that the courts would have to decide on the legality of the agreement. But are Mint and Moorcroft willing to take this to court? Maybe not

 

And thx for the link to that thread, I did start reading it a little while ago, but it seems it may have been added to quite a bit since then, so I'll go and check it out and get some useful tips

[europa16]

p.s. I wonder if Moorcroft have got any other templates they've not used yet!!

[davey77]

I think i have had all Moorcrofts letters. I did reply to them once heading the address to their Pre-School Division lol

 

I would say these DCAs don't take people to Court unless they know the debtor has a Large house (and mortgage) and an expensive car in the driveway. And even then they try the cheaper alternative of payment demands in writing route first.

 

I myself, on Carer's Allowance, Renting with no savings and after 2 years of threats almost feel immune from legal action!

Edited December 24, 2008 by davey77
adding text/spelling

[europa16]

I thought of heading my letters in a similar manner, but thought if it ever got to court, the judge might look at me a bit funnily

However, being on incapacity benefit, everything in hubby's name, and no financial connection, I think I could be immune too

[davey77]

Well, don't want to give you a false sense of confidence but yes, remembering at all times that DCAs are really really dim!

 

Actually it was headed pre school division on the address of the envelope. Not contained on the letter itself (so a Judge most likely would not see it or take an interest in the address anyway).

 

Merry Christmas! (Almost)

[upto the eyeballs]

any news?

[europa16]

Nothing as yet - it's all gone quiet (perhaps they ran out of ink in their threat-o-gram machine ). Will post as soon as get anything.

[davey77]

Yes they have run out of INK!

"We have invested heavily in relation to our inbound and outbound telephony technology as well as our modern print operations. We typically produce in excess of 40,000 letters each day as well as handling thousands of telephone calls."

 

40,000 letters a day X 365 days = 14 million+ mailings a year

 

Moorcroft Debt Recovery

[davey77]

And anyone who needs proof that Midas legal and Moorcroft are very close pals take a look at the obliging photo of their registered office notice on that website:

 

Edited January 20, 2009 by davey77
spelling

[europa16]

I bet the office suppliers love Moorcroft with that amount of ink being used:eek:

 

Also, well done for spotting that photo! I've been on their site and I'd never noticed it. Just confirms what we all knew.

[europa16]

Looks like Moorcroft have been and got some more ink

 

New letter today;

 

I am disappointed to note that despite our letters and attempted personal calls by our local representitive no satisfactory agreement has been reached regarding the balance outstanding of £****.** on the above account.

In one last effort to come to an arrangement to prevent more serious action being taken we will be prepared to accept repayments by installments of £50.00 per month. A Post Office paying in slip is attached to enable you to make your first payment. On receipt of this payment we will forward further payment slips to you.

Unless a payment is received by 10.00am on 22/1/2009 we may recommend court proceedings to be commenced against you without further notice.

Such action could incur you in further costs and may also affect your future credit rating. It is therefore in your best interests to give this matter your immediate attention.

Well, I'm going to give this letter the same attention they gave to mine - NONE

 

They can send all the local representatives they want, as well as I don't live there anymore and I told Mint that over 4 weeks ago.

 

This letter certainly sounds like they are getting desperate (not surprising considering the state of RBS today ).

[davey77]

Standard template stuff then with the 'may recommend', instead of 'will recommend' phrase. A crucial difference of course.

[europa16]

An update...

 

It seems Moorcroft have given up, and handed the file back to Mint. However, there is a new DCA now - First Credit Management Ltd (FCM). This morning I received their first letter..

 

IMPORTANT - DO NOT IGNORE THIS LETTER

 

Dear Ms xxxxxxxx

 

Client: Royal Bank of Scotland

Balance Due: £xxxx.xx

Client Ref: xxxxxxxxxxxxxxxxx

 

The above amount has been passed to us for immediate collection. Please read this notice carefully - it contains impertant information that you need to be aware of.

 

Payment should be made in full for £xxxx.xx by 26th February 2009. The following methods of payment are available to you:

 

(usual methods)

 

If you are unable to pay in full you should telephone this office immediately so that an alternative ways to pay this debt can be discussed. Please do not ignore this letter, we will not send any 'reminders' before automatically instigating further action.

 

Please Note: If you fail to respond we will instruct a local agent to call at xxxxxxxxxxx to verify your address, prior to considering instigating legal proceedings against you. Such proceedings could significantly increase the amount you currently owe as our claim would likely to include Court Fees, Solicitors Costs and Statutory Interest and may effect your ability to obtain any credit in the future and/or the requirements to pre-pay for Electricity, Gas or Telephone Service, the removal and sale of your household goods by the Court Bailiffs and/or an order obtained whereby your employers will be required to deduct the debt from your salary.

 

Yours Sincerely,

 

Richard J Edwards

Legal Department

First Credit Management Ltd

 

 

County Court Filter xxxx xxx (postcode is inserted here)

The first thing that sprang to my mind was the address on this letter. Mint have been notified of our change of address, and they've even updated my credit report to show the link, yet here we have a letter from yet another DCA that Mint have passed the file to, and they're using my old address. Cynical me is thinking, "why?"

 

Just trying to put together a reply to put them straight about this "debt", but am wondering whether they will back off if I show them what Mint think is a credit agreement, or whether to let them try and squeeze a copy out of Mint (which they obviously don't have).

 

How long to First Credit Management take to get the message, and hand it back? And what is with the final sentence "County Court filter (my postcode)? 8-)

 

Cheers

 

(and what is it with the First Letter Of Important Things Like Utilities And The Like??? )

 

[MARTIN3030]

Thread title changed as requested.

[MARTIN3030]

So Wescot Moorcroft Midas and now First Credit......This has been going on for a long time too !!

 

Theres no shortage of info on CAG in relation to First Credit and their tacs.

Has this alleged debt ever been assigned ?

[Duffers Mum]

First Credit Management? Are they the same as 1st Cretins, oops Credit? One 1st Cretins is enough to deal with without another creeping out of the woodwork.

 

Hope you get it sorted, no doubt you've already got the best china ready for when their nice representative calls

 

Good luck

[europa16]

Thanks Martin for the title change This saga has been going on since October 2006, yet Mint have yet to sell the alleged debt - AFAIK, they still own it.

Duffer's Mum - I'm not too sure whether they are one and the same, but I'm going to check now (a good advantage of being an OU student - access to Companies House data ) ...

[europa16]

Okay, it looks like they are two separate entities. Can't find anything that would link them to each other, though apart from the name being similar.

[europa16]

I've not bothered to write to First Credit Management (FCM) as I've had better things to do, tbh

 

Another item of mail has been redirected from my old address (which Mint know of full well), this time a postcard which states

 

Mr Banks (I like it ) would like to call next Tuesday or Thursday.

If you would prefer a specific appointment please call us today on 01386 425400.

 

Hours: 8am - 8pm Monday to Thursday

8am - 5pm Friday

Having had a search around t'internet, I noticed they've been using the same line since 2005!!

 

If anyone from FCM reads this, please can I have a postcard with a nice picture of a lighthouse or a beach next time

[davey77]

lol

[BeauBrummie]

I've not bothered to write to First Credit Management (FCM) as I've had better things to do, tbh

 

Another item of mail has been redirected from my old address (which Mint know of full well), this time a postcard which states

 

Having had a search around t'internet, I noticed they've been using the same line since 2005!!

 

If anyone from FCM reads this, please can I have a postcard with a nice picture of a lighthouse or a beach next time

 

Subbing

 

Got a couple of nice white cards myself from the said "Mr Banks" he is going to be busy is'nt he??

 

Beau

[europa16]

Wow, has it been that long since they contacted me?? And there I was, thinking they'd forgotten all about me

 

A letter from them today, still going to the wrong address (Mint definitely know where I live), advising me of a "home visit by a debt recovery officer". Don't think my tenants are going to be too pleased if that happens. So I've drafted a letted, taken from CAG, telling the to bog off as far as going to my address is concerned...

 

I note it is your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and civil action will be taken.

 

 

Finally, I also note that you continue to use my previous address, despite Mint knowing my new address, and the fact it is at the top of all my letters to you. If you choose to continue sending mail to my old address, I will also invoice you for the cost of Royal Mail's Redirection Service.

 

 

Yours,