Jump to content


  • Tweets

  • Posts

    • Morning all, a while since I've been here....I contacted my bank regarding the matter and they took the decision to take "charge back" action against QVC, I initially got the money back and then letters from QVC basically stating I had defaulted on my payments and owed them the money Nationwide had claimed back, just as BF speculated they would. In short I repaid QVC to avoid having debt collectors after me, and having contacted CAB am now in the process of writing to Evri outlining my claim. CAB provided me with a basic template for the letter so I'll see how that goes. Regards.
    • Well you could say that you have pictures where the signs were not on the wall where you parked so would require strict proof of when they were erected . But in any case it was dark so even if a sign was there you didn't see as it was not illuminated. Little point in not having signs that can be seen at night though it obviously makes it easier to issue PCNs and pursue motorists claiming they have breached non contractual contracts whilst breaching those same motorist's GDPR.
    • It fizzled out, they kept delaying the complaints process. In the end I believe they stopped charging me for a bunch of services, unsure if it was deliberate or a mistake so I stopped bringing it up. Ultimately we bought a house and moved out.
    • There are so many factors, and local elections are often far more about local issues and people, but the one previously general rule in a general election are that the hard core Tories vote Tory and hard core Labour voters vote labour   Gaza seems to have dulled both the muslim and Jewish labour votes more than the Tories - and I can see why - but do the muslim voters really think that the Tories will do ANYTHING other than talk and then do whatever the Americans say - and thats support Israel whatever they do first and foremost in real terms? Reform has unquestionably affected the Tory local vote - so should affect the GE vote a bit more, but has largely been factored in - reform isnt new in any way - its all Brexitish although there seem to be far more ex 'conservative' core reform/ukip/brexitish voters than ex 'labour' core voters - about 6-8% of the national vote in a GE seems to me. A little up on prior brexitish/faragits scores But the large swathes of center ground voters who decide who wins the election seem to have utterly deserted the Tories in their millions - although they have gone to labour, libdems and greens - and many real conservatives are in limbo despite Sunak being naturally more a thatcherite than most - his party currently seems far less so. Johnson promised much, and many were taken in, just as people (inc me) made that mistake with Farage in the early days - but we now know that they are self serving liars who can't be trusted with anything - although I still think it likely The Liar will be back - but most likely after the GE (60/40) Starmer is lacking in charisma and presence, but others in his cabinet should shine. But Corbynistas could still cause trouble - another group that seem happy to drag everything down if they think it suites   Johnson perhaps could reunite some of the Tory party - but he seems to have numerous criminal and political convistions sitting in the background should he try Lying about giving preference to dogs in the Afghan evacuations - and lying about it Unlawfully proroguing parliament embezzlement re funds and spending (eg flat referb) .. repeatedly Taking jobs before he should after being booted - should lose his PM pension and rights over that IMO the list goes on ad nauseam
    • Hi I am negotiating with my ex (commercial) landlord's solicitor for a debt I owe for rent. This has been going on for a little while and I expect they may go ahead with the court action they threaten. I wanted to ask however, In the event this action goes ahead, I think will have a response pack sent to me from the court, along with the claim. Google tells me that a section of this response pack is a 'Admit the claim and ask for time to pay'. Would this time to pay, if accepted also mean a CCJ registered against me? Thanks
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Greenwoods and Moorcroft


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5883 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello again "superstars on the internet"

 

Around 6 years ago, I started taking out loans with Greenwoods. Obviously with me being a young mum, I loved having extra money with only having to pay back £5 a week. Anyway, being young and stupid, everytime the agent offered me more money, I accepted.

 

What I didn't understand at the time, was that he was combining the previous balance outstanding with the new one, then adding the stupid interest. (In effect, putting interest on top of interest, on top of interest)

 

The agent was a bit weird, and I started feeling very uncomfortable when he came round. I started to avoid him. He was even walking around the back of the house to look for evidence that I was in the house, then shouting through the letter box that he knew I was in there. I rang Greenwoods, and stated my concerns and asked if there was any way I could have a different agent. To no avail.....

 

I knew it was going to happen, but they sent my account to Moorcroft, who have threatened me with all sorts. (You've all seen the type of stuff they send out)

 

I'm currently paying them £20 a month, but even that's too much for me. They threaten me with door-step callers if I don't make the payments every month. I have about £350 currently owing on the account.

 

Would it be worth my while sending a CCA request to Moorcroft? Even if it was just to let them know I know my rights, and won't be bullied by them?

I know I signed everytime for a loan, but what are the chances they'll actually supply one?

 

Thanks in advance for any replies, no matter how big or small

 

Andie xx

Link to post
Share on other sites

oh you poor soul.

 

right well dont worry too much about the threats, moorcroft are a DCA and as such have NO legal powers at all, they cannot send anyone around without you express invitation and there is plenty of info inthe dca forum about what to do regarding this threat [just search for door step callers or such like].

 

as for the cca , there is little past knowledge i can find quickly on here about if its worth it, like you say, you signed agreements everytime, dont know how this fairs toward avoiding paying etc.

 

to you £350 is obviously alot of money, other than borrowing from a relative, i dont know really what to suggest.

 

hope someone else comes along with a better idea and help.

 

keep you chin up

 

we are all with you.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi

 

Here is the letter about doorstep callers,(one of the great letters I found on this forum) I used this when they said that they was sending someone to my door.

 

---------------------

 

Dear xxxx

 

Account Ref xxxx

 

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date.

 

Furthermore, should it be 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 English 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 action will be taken, including but not limited to, police attendance.

 

Yours faithfully/sincerely,

---------------------------

 

You may want to edit it as I'm not sure if you have been receiving phone calls from them.

 

Someone else will be able to assist you more about the CCA.

 

Hope this helps

 

Wikkitt

Link to post
Share on other sites

I have always found greenwoods as a very good company for myself and family and friends etc. when the going get tough thay have always accepted lower payments etc. they recently wrote off my sisters debt with them as she became serioulsy ill at christmas and would not be able to make payments etc due to health.

 

if you seriously cannot afford £20 a month then complete an income and exp sheet and send it to moorcroft along with the revised payment.

 

greenwoods are normally spot on with their agreements and certainly would not have given you a loan without one.

 

You can cca them but i doubt very much if this will help you in anyway.

 

there is a tmeplate for inc/exp

 

 

idax

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

I have never heard of "Greenwoods"... but regardless of whether they're supposedly a good company or not.... they don't have the account now. Moorcroft do...

 

As such, they need to prove that they have a legal right to collect upon it, so CCA them to find out. Do not sign the request; initial it.... enclose a postal order for the £1 fee (not a cheque) and send off by rec. delivery. Keep the receipt.

 

If Moorcroft have not furnished you with the Agreement within 12 working days from receipt, stop paying. No need to tell them why... they have enough experience of CCA requests to know the answer...

Link to post
Share on other sites

Yes they have high apr but i was meaning folk that have taken out loans with the company if circumstances change they do agree to reduced payments etc

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Yes they have high apr but i was meaning folk that have taken out loans with the company if circumstances change they do agree to reduced payments etc

 

With an APR at that kind of level, I imagine they could !! :rolleyes:

 

You have to remember that when circumstances change, repayments are not about what a company is "willing" to agree to, they're based upon what you can genuinely afford. Companies often try and tell you otherwise because they want faster repayments, that's all.

Link to post
Share on other sites

P1.

 

Greenwoods parent company is Provident. They are a bad company as they operate just the same way that provident do harrassement etc.

 

I am fully aware of how greenwoods operate as we had a loan with them and the agent threaten my partner with his life and mine and our new born baby in front of our health visitorshe went mad. It was only because i was in labour and they came to the door and got no answer.

 

Needless to say it is 4 years plus since i heard from them.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

P1.

 

Greenwoods parent company is Provident. They are a bad company as they operate just the same way that provident do harrassement etc.

 

I am fully aware of how greenwoods operate as we had a loan with them and the agent threaten my partner with his life and mine and our new born baby in front of our health visitorshe went mad. It was only because i was in labour and they came to the door and got no answer.

 

Needless to say it is 4 years plus since i heard from them.

 

Bl*&dy H*ll, GM !!! :eek::mad:

 

That's appalling !!.... :mad:

Link to post
Share on other sites

oh my god!!

 

Im shocked. I did some temping work for them for a little while and one of my jobs was to input the agreements - they will have them, theyre filed meticulously. (I had to do that as well - the joys of temping!!)

 

I only worked for them for 6 weeks... judging by what ive read on here that was quite long enough....

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

Link to post
Share on other sites

Copyright © Provident Financial Management Services Ltd 2005. Written credit quotations are available on request. Available to UK residents aged 18* and over (*subject to change). Applications subject to acceptance. Calls may be recorded. Greenwood Personal Credit Limited. Registered Office: Colonnade, Sunbridge Road, Bradford, BD1 2LQ. Registered Number 125150 England. Greenwood Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at Colonnade, Sunbridge Road, Bradford BD1 2LQ. Registered Number 2558509 England. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

About us

 

A reputation for solid, sensible credit; that puts people in control

 

Greenwood Personal Credit is part of the Provident Financial group of companies. Our customers' needs are serviced by 10,000 agents nationwide who deliver a friendly door-to-door service.

 

In fact, many agents were customers before working with Greenwood Personal Credit, so they know customers circumstances and can judge their ability to take on a loan and make the repayments.

  • 95% of customers are satisfied with Greenwood Personal Credit*
  • You can rely on our offer to be trustworthy and transparent
  • Agents receive commission based on how much they collect, not on how much they lend. So it's not in their interest to offer more than customers can afford to repay
  • There are no hidden charges for administration fees, introductory fees or penalty charges, which other lenders may charge you for separately
  • We lend responsibly. We only lend what we believe people can afford to pay
  • Customers always know what they owe. The amount owed under the credit agreement never goes up and every pound you repay reduces the total amount owed by a pound

As a member of the Consumer Credit Association, Greenwood Personal Credit submits to voluntary regulation through a code of practice, providing customers with the extra reassurance of knowing that this additional protection exists.

Interested in working for Greenwood? Click here to find out more

providentlogo.gifwindow.pngVisit our corporate website to find out more about the Provident Financial group.

 

 

* Source: Customer research (commissioned by Greenwood Personal Credit), carried out by Quaestor RMS - an independent research company, September 2005.

rpflogo.gifwindow.pngVisit Real Personal Finance to apply for

a larger loan that is repayable by direct debit.

Don't just take our word for it, have a look at how our customers rate us.

_______________________________________________________________

I bet they have only submitted the Good /brilliant customer ratings

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

the money was took out with them in 2003 so i am just waiting till 2010 and i will be able to say fcuk off SB.

 

This is because i think payments were made in 2004 but cant remember.

 

I asked for a new agent and was told they get a fine of £100 for collecting on sombody elses round and day unless the agent is ill or something.

 

The police were called buy my HV and she demanded they do something. i think the agent was arrested but we have heard no more so it doe not matter.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

its the same for provident tho

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...