CCA MoorCroft/Argos Card

[Help48xxx]

Aww bless 'em.

 

You have to give them top marks for perseverance, although the minus marks for flogging a dead horse obviously means they lose!

 

I was lucky to see them off and haven't heard a whisper from Argos or any of their henchmen since.

 

Go get em Manc!!

 

xx

[babybear39]

Write thema short letter stating that as they're still chasing an account clearly in dispute they are in breach of OFT guidlines and the CPUTR 2008 for which you will be reporting them to Trading Standards and the OFT.

[manc1976]

Write thema short letter stating that as they're still chasing an account clearly in dispute they are in breach of OFT guidlines and the CPUTR 2008 for which you will be reporting them to Trading Standards and the OFT.

 

I was actually going to write to them and ask them to take me to court as the counter claim of wasted costs etc would probably cover the debt, lol

 

But I will go with your idea

[Von Greenbach]

I wouldn't bother writing to them again your complaint will fall on deaf ears.

 

Report them to your local TS and send a copy of your letter to Stockport TS.

 

The more complaints these agencies receive the better of we'll be.

[manc1976]

They phoned me at home today, I refused to answer Data Protection questions and told them I will only communicate in writing.

 

No arguments from the bloke on the phone!

 

Now because the account is in default with Moorcroft, then BCW have no right to be phoning me.

 

Am not going to write to them and will see what they do next.

[manc1976]

And here is what they do next.

 

 

I think a doorstep letter is on its way to them and this one can be filed away

[babybear39]

Go for it and good luck...

 

Do you have a suitable letter as I have one If you want it give me a shout.

[manc1976]

Go for it and good luck...

 

Do you have a suitable letter as I have one If you want it give me a shout.

 

 

Im sure Ive already sent them one, but yes, I already have a copy to send to them. The harrassment continues and can only help me in the long term.

[cerberusalert]

You could always throw them by asking whether the 'investigation officer' prefers jammy dodgers or bourbons, or maybe even sugared doughnuts.

[babybear39]

It is worth reporting them to trading standards and the OFT now as they have gone way over the guidlines and this is just the stuff OFT need now to look at fitness to hold a consumer credit license.

[manc1976]

The latest letter, they are getting desperate, and I will keep ignoring them and any future DCA's, lol

 

[manc1976]

Forgot to say, today was the deadline, I cant believe I missed it to pay them, Hahahahahahahahaha!!!!!!!!!!!!

[babybear39]

Forgot to say, today was the deadline, I cant believe I missed it to pay them, Hahahahahahahahaha!!!!!!!!!!!!

 

Get your debit card and pay them immediately you nawty boy

[Help48xxx]

They are gonna be SOOOOOOOOOO cross now........:lol: oh deary me, they'll be crying into their printers.

 

"Without prejudice"..........my ar$e....

 

You just gotta laugh at them. Desperation or what?

 

xx

[manc1976]

Get your debit card and pay them immediately you nawty boy

 

Debit Card, Don't forget they take CREDIT CARDS too !!!!!

[babybear39]

Debit Card, Don't forget they take CREDIT CARDS too !!!!!

 

Yes they do, but asking you to pay by CC is against OFT guidlines, and they wouldn't do anything so silly as to breach OFT guidlines on debt collection now would they?

[manc1976]

 

Am going to reply and invite them to take me to court as I will be counter-claiming for harrassment as the account is in default with Moorcroft.

 

[jellybabe]

subbing

[Help48xxx]

I've not heard from HL Legal yet so will watch this thread with interest.

 

The 'bemused' letter has worked wonders with 3 DCA's that Argos have sent in my direction so far, but maybe they'll chance their arm.

 

xx

[manc1976]

 

Maybe I should put them out of their misery and send them a bemused letter.

 

On the other hand, why should I tell them what is wrong.

 

Bring on the court action !!!!!

[deathbycrayons]

I'd send them the bemused letter, cover your back

[Help48xxx]

Yep,

 

the bemused letter will keeep them bemused for quite some time!

 

xx

[manc1976]

I have just had a phone call from HL Legal at work and they told me that BCW had given them my number. I told them to only contact me by post.

 

I told the woman on the phone that the account was still in dispute with Moorcroft since March last year.

 

She tried to tell me that I should have sent my CCA request direct to Argos and not Moorcroft. I told her this was wrong and explained why.

 

She started to get stroppy with me and knew she was losing the battle and said that she was going to terminate the call ( I did not swear or raise my voice!!)

 

I advised her that HL should take me to court and that I will counter-claim for harrassment etc etc.

 

She said fine. Lets hope they do

[manc1976]

I advised her that HL should take me to court and that I will counter-claim for harrassment etc etc.

 

She said fine. Lets hope they do

 

And 6 months later I get this from Northampton County Court.

 

As this is my first one, advice is very much welcomed

 

Thanks

 

 

[42man]

Send this recorded delivery first.....but read it through as it will need editing...

 

Dear Sir,

 

Re: (Claimant's name) v (Your name) Case No:

CPR 31.14 Request

 

On (date) I received the Claim Form in this case issued by you out of the (Name) County Court.

 

I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim.

 

[Prior to the issue of proceedings I had delivered a request for the production of the agreement mentioned in the Claim Form and on which you rely. That request was ignored][delete if no such request was delivered]

 

Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:

 

1 the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

 

2 the assignment*

 

3 the default notice*

 

4 the termination notice*

 

5 statements for the duration of the agreement*

 

* delete if not mentioned in the Particulars of claim.

 

[Although your claim is for a sum which is not more than £5,000.00 and will in all likelihood be allocated to the small claims track for determination upon my delivering a defence, at this moment in time I have not delivered my defence and the case has not been allocated to a track. In consequence the provisions of CPR 27(2) are of no effect and you should not seek to avoid compliance with your CPR 31 duties by claiming otherwise]#

 

# delete if claim for a sum exceeding £5,000.00

 

You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.

 

Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.

 

In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.

 

If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence.

 

If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing.

 

Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order.

 

I do hope this will not be necessary and look forward to hearing from you.

 

yours faithfully