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    • and it will be also now written off under age related criteria anyway.
    • DX: Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • 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

Next Directory


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fantastic, game on then

 

they know there is no agreement, they know that this cannot be enforced, they claim to be able to get judgment and charging orders,bailiffs etc

 

oh dear, oh dear, oh dear they are in breach of the Consumer Protection from Unfair Trading Regs among others

 

the donkeys

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  • 3 weeks later...

Got a lovely letter from Moorcroft today titled

 

Notice of Intended Litigation

Oh, how I love these guys

 

I will sit tight and let them go away on their own, instead of giving them a nudge :D

It's all fun and games until someone loses an eye :D

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Forgot to mention that I also got a letter from Next to say that they were dealing with my complaint.

 

Not sure what complaint they are referring too :confused:

It's all fun and games until someone loses an eye :D

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If you fancy a laugh then read this letter that NEXT have sent me.

 

It is the last paragraph that made me wet myself

 

NEXT.jpg

 

It is obviously a standard letter as they have already told me that they dont have an agreement.

 

And by passing the account on to Moorcroft whilst the account is in default is just playing into my hands even further.

 

I am not going to reply to them, just let them keep digging their own grave!!!!

 

Btw, to add a default entry against a CRA, do they need to send me a default notice first??

Edited by manc1976
Add a bit

It's all fun and games until someone loses an eye :D

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What they need to do and what they do are completely different things.

 

My son has had the same letter as yours.

 

They have acknowledged they have no signed agreement, but have passed it to Lewis Debt recovery , who then enlisted the help of Howard Cowen Solictors and put a big fat back 'D' on his credit ref files.

 

Since I wrote to them last on his behalf informing them that I would be glad to see them in court regarding the allegded debt, We have heard nothing. But the default entry remains dispite disputing it with the CRA's

 

The next crap you will get off them is "you have acknowledged that this agreement does exist between us several times within your letters"

 

They talk the talk, but produce no action. I just wish they would send court papers.

 

Have a read through that http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/123802-next-retail-blank-agreement.html

maybe some infomative sections relevent to your situation.

 

Next are worse than Studio Cards. LOL. Never know when to admit defeat

Edited by alfwithhair
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Hello,

 

I had problems with the Next directory as well. Unfortunately I paid a large bill that was outstanding BEFORE i realised that without a signed agreement I didn't have to!!!

 

Anyway, they registered a default against me - I am trying to use the fact that there is no signed credit agreement as a reason to get them to remove the default. Actually they have refused so I have just sent off a letter to the Information Commissionaire to sort. Do you think I will be sucessfull? After all I never signed giving my agreement to them sharing information with anyone (i.e the CRA's)

 

Thanks - FREDDIE

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Hello,

 

I had problems with the Next directory as well. Unfortunately I paid a large bill that was outstanding BEFORE i realised that without a signed agreement I didn't have to!!!

 

Anyway, they registered a default against me - I am trying to use the fact that there is no signed credit agreement as a reason to get them to remove the default. Actually they have refused so I have just sent off a letter to the Information Commissionaire to sort. Do you think I will be sucessfull? After all I never signed giving my agreement to them sharing information with anyone (i.e the CRA's)

 

Thanks - FREDDIE

 

There is always hope.

BOB HOPE AND NO HOPE

Thats what I have found from the ICO

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  • 2 weeks later...
  • 2 weeks later...

Got a letter today from Midas Legal Services acting on behalf of Moorcroft

 

If I do not contact Moorcroft by 12/11/08 then it MAY result in the issue of legal proceedings without further notice.

 

I am not going to reply to them in hope that they do try and take me to court.

 

I wish they would just stop using the MAY word and get on with it !!!!

It's all fun and games until someone loses an eye :D

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Hello,

 

For everyone who has contributed to this thread - the one issue that hasn't appeared to be addressed is the fact that Next are recording all this activity on your credit file and the default as well. That's the problem I have and despite writing on many ocassions to get them to remove it they won't!!! Currently in the hands of the I.O.C - but this takes ages...

 

Any thoughts?

 

Thanks FREDDIE

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Thanks PT,

 

Makes me feel a bit better - they have put a default on my credit file (the only bad thing) they refuse to remove it which is frustrating because hopefully the Information Commissionaire will remove it, but the whole process takes ages - but at least I know it will be removed.

 

Thanks

 

FREDDIE

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  • 2 weeks later...
  • 4 months later...

Just had a monkey from Moorcroft knock at the door asking for my OH.

 

He asked if she was in and I said No.

He asked if I could pass on a letter to her.

I saw that he had a Moorcroft letter in his hand, so asked him what it was relating too and what company was he from.

He told me that it was a matter between him and my OH, so I told him I wouldn't pass on the letter and shut the door in his face. He looked quite shocked !!!!

 

Anyway, he posted the letter, so I opened it and had a look.

 

He was a rep from Moorcroft and I found out that it relates to this Next Account. (We have a couple of others with Moorcroft, so was unsure which one it was!!!!)

 

I expect that he will turn up again, so I will prepare a doorstop letter for the wife to give to him IF he turns up again. I will send Moorcroft a doorstep letter aswell as a letter to tell them that there is no CCA, by the admission of Next and that they should just take us to court otherwise the next time a rep turns up, the authorities will be called and we shall file a harrassment case against them.

 

The rep's name was: Mr B Cowell and he left his mobile number: 0798 037 5136

 

I think he also works for EON, as that was the car he was driving.

It's all fun and games until someone loses an eye :D

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I know what I would do.

 

Very loudly and publicly complain to the press, EON and the Power Ombudsman (OFgen or whatever they're called these days). Also ask FT t see if EON have a credit licence as he was driving their one of their vehicles.

 

Driving that vehicle I would suggest that he was also representing EON.

Welshwizard QC (Quite Content):rolleyes:

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He managed to drive off before I got his reg plate, but I was thinking of speaking to EON to see if they knew that he was using a company car to conduct other business!!!!

 

Will send a complaint to the OFT etc tomorrow

It's all fun and games until someone loses an eye :D

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  • 4 weeks later...

Had another monkey from Moorcroft turn up yesterday.

 

I told him about that it was against OFT Guideline on Debt Collection to visit our property without an appointment. He tried to tell me that it was not true. He then asked if he could make an appointment and I said "No".

 

He then said that they will have to take us to court now, to which I replied with, "Fine, I could do with the money that the counter-claim will give us"!!!!!

 

Will have to fire off a few more letters I suppose, but it all adds to the case. :D

It's all fun and games until someone loses an eye :D

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Hiya manc see your dealing with the moorcroft numpties.:rolleyes: Did any of your letters come in nice illuminous coloured envelopes?

 

P.S Good luck

 

Milly X

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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  • 3 weeks later...

2 Letters on the same day from Moorcroft

 

They didnt take my complaint as serious as I expected, so will follow that up with another letter. IDIOTS :D

 

moorcroft_next_14May09001.jpg

 

Moorcroft_Next_22May09a001.jpg

2009-05-31Moorcroft_Next_22May09b00.jpg

It's all fun and games until someone loses an eye :D

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  • 1 month later...

Just to mention, that if he is using a company car to do Debt Collecting,he would probably not be insured on this vehicle to do such a job.

Having spoken to a DCA before,it is a very high insurance premium to have a vehicle insured for this type of work.

He also mentioned, that very few inform the insurance company of this,so basically he is driving a vehicle on a public road without a valid insurance,perhaps next time mention this to him,and that you will ring the police,because

1, this person is tresspassing on your property and you have asked him to leave.

2 ,this person may be driving a vehicle on a public road,without valid insurance

Its worth a try.Steve

Edited by littlefatbudha
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