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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
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      Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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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.

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      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Moorcroft - some help/guidance please.

manna1977

By manna1977
in Debt Collection Agencies

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manna1977

manna1977

Posted
Posted

Hi,

 

This is my first post and am just after some advice please.

 

I have been paying Moorcroft since July 2005 for an Empire Stores Debt.

 

I missed my December payment of £20, and received a letter dated 11th January from them saying I had to send the arrears by return of post. I didn't do this as I was hoping to wait and just pay the arrears via standing order along with this month's payment, at the end of the month.

 

I then received another letter dated 21 January saying this has been passed to their home collections dept - and if I wanted to continue paying to Moorcroft, the arrears of £20 must be received by 10am on 28th January. I phoned them last night and the bloke said I could send a cheque tomorrow, so I agreed to this. I then called again tonight tonight and asked if I could pay it with my pre-pay Maestro card in the morning. The bloke I spoke that payment must be made by 10am tomorrow morning. He then said that as I have defaulted, the agreement of £20 per month no longer exists - and I will have to pay half of my oustanding balance (which after the £20 arrears have been paid will stand at £155.99) on Feb 24th and the remaining half on March 24th.

 

How can they do this? I am in an IVA and unfortunately Moorcroft caught up with me after the IVA was in place. I was considering phoning the company dealing with my IVA for some guidance, but saw this site and decided to give it a shot.

 

Any advice will be greatly appreciated.

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sharondogf

sharondogf

Posted
Posted

I personally would still phone the IVA for some guidance, but as I am not offay with an IVA keep looking on this site and I am sure you will get some good advice from the experts who have and are in the same position as you.

 

You are in good hands here, everybodies advice and experience has been helpful to me, I can sleep easily at night knowing that I am not alone

 

Sharon.

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sharondogf

sharondogf

Posted
Posted

Here's the templates you need.

 

Letter N for the CCA request. Do not sign your letter, send Recorded or special delivery, enclose £1 postal order.

 

If you have are harrassed by phone send them a telephone harrassment letter as well or do that anyway to avoid calls.

 

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

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ODC

ODC

Posted
Posted
Thanks, what happens next if the CCA isn't forthcoming after the 12 days?

If they do not produce a valid CCA within the 12 days then you can legally stop paying them. Being an Empire Stores Debt they will not have an executed CCA. If they continue to harrass you after the 12 days are up then report them to TS.

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minichedda

minichedda

Posted
Posted

hiya

 

i've dealt with moorcrap before i joined this site. i found them to be ok when i offered to go through my expenditure to describe how i couldn't afford the payments they wanted. they were happy to take what they could get!

 

however, i am sorely regretting it now as i cleared the debt.

 

i'd now say to go the cca way, and although it may get sticky at some times but just try and ride through it. if you have worries post on here there are loads of people to support you x

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manna1977

manna1977

Posted
  • Author
Posted

Hi, I have been paying them for 2 and a half years and this is the only payment I've missed. I can afford to continue paying the £20 per month, but they are demanding I pay the £20 arrears then half the balance in Feb and the remaining half in March. I'll be sending the CCA tomorrow. I would like to know though, what is the procedure to stop paying them if they don't produce it within the 12 days? Will they just leave me alone? I'm also gonna ring my IVA supervisor in the morning to get his views.

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minichedda

minichedda

Posted
Posted

er... i think you just stop and let them get themselves into default. yeah i regularly fell into arrears and paid the last payment with the current one but with no problems, i used to say 'well i dont get paid until xxx date' and they'd say 'what can you afford today?' kind of thing. must admit i always tried to stay on the right side of them and spoke to them like i'd like to be spoken to. unfortunately i was very naive and decided to settle the debt to have a quiet(er!) life.

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dpr

dpr

Posted
Posted

Hi, I've had a few dealings with Moorcroft in the past and found their all talk and not really much action. When ever i was late with a payment I would pay them as soon as possible and send them a letter apologizing for the delay in payment and that I would catch up as soon I can. I would not agree to their demands if you can't afford it, after all you can't give them what you haven't got. I would put in a letter that you can afford the £20 a month as you have been doing but no more.

Never speak to them on the phone unless you record the conversation and tell them that you are recording it. I'm sure these advisers are trained in making you make pannick decisions, which result in you pannicking further.

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minichedda

minichedda

Posted
Posted

you could always point out that you did offer to make some contribution but as they are not willing to accept what you have offered you could say that in light of their actions you will be processing a reuest for a CCA then send your CCA at the same time. I send these guys 2 or 3 letters at a time for different things because that is exactly what they do to me!

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dpr

dpr

Posted
Posted

By sending the CCA you are putting the debt in dispute, if that's the route you want to go then don't pay anything. If you think that you didn't sign a credit agreement in the first place you have nothing to loose really, if they can't produce the CCA the debt is unenforceable.

Under Section 77 fixed sum credit of the Consumer Credit Act 1974 they have 12 days to produce one, if they don't under section 78 (6 a and b) of the Consumer Credit Act 1974, they are not entitled whilst a default continues to enforce any alleged agreement.

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dpr

dpr

Posted
Posted

I know this to be true because when Bryan Carter solicitors took me to court on behalf of shop direct i used them quotes from the consumer credit act in my defence to the court and Bryan Carter solicitor's dropped the case and I haven't paid them a penny since.

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ODC

ODC

Posted
Posted

Manna

 

Just remember how nasty they were to you on the phone. Send them the CCA letter. Make them prove that a debt actually exists and that they have a legal right to collect it. After 12 days you can LEGALLY stop paying them. THey can huff and puff all they like but without a properly executed CCA they can do absolutely nothing. If they continue to harrass and threaten you after failing to produce one then report them to Trading Standards. Above all things NEVER EVER SPEAK TO THEM ON THE PHONE

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PGH7447

PGH7447

Posted
Posted

I offered to pay these muppets £20 a month on a debt, but they insisted I pay £50, anyway sent £20 for 2 months running then got a letter from the pathetically named Pre Courts Divison - so sent CCA and stopped all payments, they are now in default. Serves em right for trying it on.

 

PGH7447

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ODC

ODC

Posted
Posted
I offered to pay these muppets £20 a month on a debt, but they insisted I pay £50, anyway sent £20 for 2 months running then got a letter from the pathetically named Pre Courts Divison - so sent CCA and stopped all payments, they are now in default. Serves em right for trying it on.

 

PGH7447

Most DCAs are so stupid. They send people nasty letters with all sorts of threats. Some people worry and believe them and cough up. More and more people google them and end up here and discover their rights and CCA the DCAs who it usually turns out cannot enforce a debt,

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Sidewinder

Sidewinder

Posted
Posted

Subbing.

 

The most incompetent DCA I have ever had dealings with. I have experienced all of the above at various points but alas cannot CCA them as I owe on a CCJ. They are swines for making up the rules as they go along and saying that payment agreements have been cancelled or overruled - it is just a ruse for the employee who gets the increased payment to earn more commission. I agree entirely that they are idiots who by harassing the debtor for an increased amount end up with a defaulted CCA request and get nothing. If a Home Collections agent turns up you are not obliged to open the door, let them in or even speak to them - they have no more right to visit you at home than anybody else, and under the OFT guidelines cannot visit you without an appointment.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Mrs_Ryan

Mrs_Ryan

Posted
Posted

bear in mind Moorcroft are the shower who threatened to take a murdered girls mum to court as she hadnt paid her daughters phone bill.... and it seems refused to believe the girl was dead. Lovely people.. sooo competent :rolleyes:

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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