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    • The Tories election campaign is basically whatever the Daily Mail and Express write about as concerns of the 'British people'.  The latest speech by Sunak about sick note Britain is the latest. Perhaps there needs to be a discussion on the mental health crisis that is stopping a large number of people from working.  When people are having to wait for months for a Mental Health assessment and then a very long time for any therapy treatment, then that is not going to help. The problem with many politicians speeches is that they identify problems, but when it comes to solutions that are going to cost billions, plus take many years to put into place, they shy away from the practical actions that would be required. Instead they will come up with some slight tinkering actions at a cheaper cost, that won't make much difference.  There are probably  hundreds of thousands of disabled people who would like to work, but many employers won't offer them employment as they are not willing to make the reasonable adjustments to make it happen. If the Government pledged to support employers financially with the costs that would be incurred, then I am sure we would see many more disabled people in workplaces.
    • yeah the outstanding balance is correct as I was already in a payment plan with hmrc up till about a year ago when they suddenly stopped taking payments from my bank so me being naive I just left it assuming they would get back in contact to resume payments but instead I got this letter.. I am just glad it won’t show on my credit file as I have only just got it to excellent   
    • I've had a look on their site to see if there is a way to download photos, but haven't found anything. The best thing is to send them a SAR on Monday.  Invest in a 2nd class stamp and get a free Certificate of Posting from the post office. That way they will have to produce the original invoice, a windscreen ticket if it exists, photos, etc.  
    • So today I’ve recieved a letter from J&P after a long time this time with forms attached to respond back about how much I can repay etc and that if I do not respond within 30 days court proceedings will apply   I had wrote to NBD bank to inform them of my new address and to resolve this matter last month, but I haven’t had any confirmation or heard back from them. Should I write to them again?
    • Not consumer credit, so won't show on credit records. Are you 100% sure the Tax Credits payment is correct ? Did you receive an overpayment letter ? If not, there is no immediate need to set up a payment plan. Contact HMRC submitting a subject access request and if there is doubt about the overpayment amount, write to ask HMRC for a breakdown calculation of any overpayment amount. Make a subject access request to HMRC - GOV.UK WWW.GOV.UK Find out how to ask for access to personal data that HMRC holds about you, or someone who has died.  
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi im having some problems with Moorcroft,


I moved into supported accomodation 2 years ago on the 18th of dec 2005. I got a bt land line put in and got the internet, i became very depressed and stoped going out, i had to start claming income support and lost control of everything, my rent started getting out of control, i wouldnt leave the house to pay it and i couldnt pay my bt bill. i was cut off by bt. the bill was £380 and moorcroft bumped up to £595


It was passed over to Moorcroft to get the money. i started getting letters from moorcroft dec last year and i just ignored them for about 4 months, i hated each morning looking to see if the post had been and if i had any rude nasty letters from them.


i called them once and the person was very rude and put the phone down on me, i got very upset and worryed. then i just left it about a month and more and more nasty letters was coming through the post. i thought to myself i have to do somthing about this so i called them agen and said i can only afford £10 a month as im only living on £44 a week. they said no and bumped it up to £20 a month. so since april i have been paying them there £20 a month going 4-5 days with out money or food to live on.


3 weeks ago i coouldnt pay it becasue i had to add extra money to my rent account because they started getting nasty so yes i got another letter from moorcroft saying pay up or bailiffs will be knocking at my door.


I ignored the letter and havent had one to date, but the thing im worryed about is, i rent a room in a flat, i live with somone else who has nothing to do with me. i have no belongings as i was homeless before i moved into the flat, the only things that are in there are the white goods and the sofa in the communal areas witch is not mine. if they come round and want to take the things out the flat what am i going to do? they dont belong to me. im worryed about them forceing there way in and forceing there way into my flatmates room.


I dont want to call them because i will jsut get a nasty person on the phone and they never reply to my letters.


i just want this nightmare to stop as i have so much going on at the moment. its making me feel the lowest i have ever felt, i even cryed writeing this, i hope somone out there could give me some advice or somthing i just dont know what to do.

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Before they are able to send bailiffs arround they would need to get a ccj against you through the courts, even if they do obtain a ccj you dont have to let a bailiff in and should not as once they have come in peacefully they can force entry at a later date, work out what you can actualy afford to pay them and stick to it, its taking the pi55 expecting £20 a month when you are only on £44 a week benefits, depends on how quick you wish to clear it but i would be looking to pay £5 a month, if it did go to court you would be able to offer them a repayment plan and i very much doubt the court would have you pay more than this based on your circumstances

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If you wanted to reduce your payment, try this letter, or the one above it:


Token/Delayed payment

Pro rata payments


You don't have to provide them with an income/expenditure sheet, but it does show willing. If they refuse and take you to court to obtain a CCJ, with your stated income the repayments will most liekly be smaller than you're paying at the moment.


Remember, Moorcroft in this instance are acting as debt collectors, not bailiffs - debt collectors have no right of entry to your home. Neither can they remove goods - it is simply not within their power. They must take you to court and win first before any bailiffs get involved. Have a read around the debt section on this forum for what you can expect from Moorcroft.


Click the scales if I've been useful! :)

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