Lies and the lying liars who tell them

[jed2004]

I had a letter from moorcroft recently saying our investigations show that you are in employment therefor we will be making arrangements to arrest any earnings , Unless you contact us in the next 7 days with full payment and so on!!!!!! I do not work and haven't done since my son was born, I am a single mother on benefits!! So their so called investigation work isn't to good hu lol!!! But with all these silly threats and lies can cause alot of worry to many people!! I have been worried sick because of my circumstances but thanks to this site i know it's not anywhere near as bad as i thought and i will get there sooner or later!!!

[cashins]

Typical Moorcroft shot in the dark and even if you were, there is a little matter of going to court 1st.

 

You're right though, it must scare a lot of people.

 

David

[hillards]

I had a call from Lowell Finance, or was it Red Debt Collections, maybe DLA Piper Solicitors or could have been Hampton Legal - anyway, the girl said something on the lines of they were empowered to recover money I owed them.

 

This was without any of the 'security questions' being answered. I had asked why they were calling and what they wanted. Who knows if they spoke to the person they asked for, telling me things like that on the phone...

 

Chimps at a tea party get better training...

[Dorabell]

I had a call from Lowell Finance, or was it Red Debt Collections, maybe DLA Piper Solicitors or could have been Hampton Legal - anyway, the girl said something on the lines of they were empowered to recover money I owed them.

 

This was without any of the 'security questions' being answered. I had asked why they were calling and what they wanted. Who knows if they spoke to the person they asked for, telling me things like that on the phone...

 

Chimps at a tea party get better training...

 

i like your last line it has made me laugh

[sillygirl1]

Another APPOINTMENT FOR HOME VISIT letter from our stripey friends, there will soon be a queue of them outside my flat trying to collect on debts I don't owe.

 

I'm thinking of composing a poem for Robinson Way, along the lines of

 

O Stripey ones will you please desist

Its been to court - you lost - and missed

[Dorabell]

:lol:

[ScabHunter]

O Stripey ones will you please desist

Its been to court - you lost - and missed

 

I'm trying to think of another word which rhymes with 'desist' and 'missed' so you could write a third line.

 

I'll have to get drunk - maybe that will help.

 

SH

[citizenB]

I had a letter from moorcroft recently saying our investigations show that you are in employment therefor we will be making arrangements to arrest any earnings , Unless you contact us in the next 7 days with full payment and so on!!!!!! I do not work and haven't done since my son was born, I am a single mother on benefits!! So their so called investigation work isn't to good hu lol!!! But with all these silly threats and lies can cause alot of worry to many people!! I have been worried sick because of my circumstances but thanks to this site i know it's not anywhere near as bad as i thought and i will get there sooner or later!!!

 

You really should copy that letter to Trading Standards.

[DonkeyB]

'Deluded' doesn't rhyme, but you should use it anyway!

[pookeymonkey]

I love Robinson Way.

 

I think the blue and white stripey envelopes are a particularly good idea, it helps me decide which letter to open first, as once you have read the contents it puts you in a good mood for the rest of the day!

 

A couple of my favourites have been -

 

******Security Telemessage*******

 

Recent transactions on your account are giving cause for concern. Please contact us on -------

 

(The card for this account had been cut up and sent back to the original creditor over 18 months previous, and no CCA has ever been supplied!)

 

or

 

'Where did we go wrong?'

 

(Not supplying a copy of the CCA?)

 

The only downside is having to get up extra early to get to the post before Mrs Pookey!!!

 

Pookey

[cashins]

I'm trying to think of another word which rhymes with 'desist' and 'missed' so you could write a third line.

 

I'll have to get drunk - maybe that will help.

 

 

Hmmmmm.........p*ssed

 

Sorry, only trying to help.

 

David

[ODC]

I had a letter from moorcroft recently saying our investigations show that you are in employment therefor we will be making arrangements to arrest any earnings , Unless you contact us in the next 7 days with full payment and so on!!!!!! I do not work and haven't done since my son was born, I am a single mother on benefits!! So their so called investigation work isn't to good hu lol!!! But with all these silly threats and lies can cause alot of worry to many people!! I have been worried sick because of my circumstances but thanks to this site i know it's not anywhere near as bad as i thought and i will get there sooner or later!!!

That will be from their Employment Confirmation Division. Its the desk beside the Pre Court Division.

 

One of the mokeys probably rang up Tescos and asked if they had a John Smith working there and using monkey logic decided that the John Smith they were harrassing had a job.

 

Arrest your earnings my arse

 

Arrested development more likely:grin:

[sillygirl1]

Rest of poem... much thought about to avoid slander and libel

 

O Stripey ones will you please desist

Its been to court - you lost - and missed

The court have said I should not pay

So this debt has gone away!

 

VALID EVEN IF NOT READ BY YOU

 

The greatest pleasure I have now is that this has cost Capital 1 more to chase. I have also asked the court to re look at the evidence and suggest a way forward with possibly an arbitration hearing to discuss compensation with Capital One - would love to meet Ellie Renshaw in person (if she does really exist) her letter - posted to an address I hadn't lived at in 7 months was hysterical.

[Fred Bassett]

Typical Moorcroft shot in the dark and even if you were, there is a little matter of going to court 1st.

 

You're right though, it must scare a lot of people.

 

David

 

Hi David,

 

It scares us all at some point. I think that's because most of us start out with no intention whatsoever of missing payments or getting into trouble - we're honourable people and are gullible enough to believe the lies because deep down we know we should be paying.

 

What changes that attitude is the behaviour of people like Moorcroft. I suppose that for them, their approach works well enough most of the time and people are scared into meeting their unreasonable demands. Most of the people who join this site seem to have their backs to the wall though and it's when they come out fighting that DCAs have the problem. If DCAs would only be a bit more reasonable then they'd reap the benefits, but instead, they reap what they sow.

 

Regards.

 

Fred

[cashins]

It scares us all at some point.

 

Yep!!

 

Where it starts to run out is, for a start, you cannot stay scared, it's impossible to live like it. Sooner or later you enter 'dilligaf' mode.

 

Secondly where, as in my case, when it is impossible to meet the demands despite the threats and nothing happens, you start to wonder why.

 

When I discovered through this site, that in respect of the agreements that had been issued, the credit industry had been living a lie for years, I found it so hard to take it in. It was so mind bogglingly stupid it just could-not-be-true.

 

But it was.

 

David

[rory32]

I completely agree Fred and David.

 

Because you have been pushed into such a hole that you either have to, at some point, address or completely crack due to the situation financially and mentally being so unsustainable DCA's shoot themselves in the foot.

 

We all start out as scared and the underlying feeling is how on earth do I pay this off and meet their demands. Then you, through time and the help of sites like this, realise that their demands have nothing to do with anything of any legal standing and far more to do with greed and intimidation.

 

Because you have been abused by these people and their greed and your life has suffered negatively as a result the most sad and pathetic letter you can get from any creditor is that you have a moral obligation to pay them despite the fact they have no enforceable credit agreement.

[angel_1]

yes i agree with you all Rory, Fred and cashins,

 

its the moral standing that they then try and goad you, but ive been where you have all said already and now im fighting back with knowledge and from the help from cag members like yourselves

 

however, im standing on my own moral ground and say, like the creator of the cca way back, if an agreement is not drawn up correctly then the creditor has not done the legal thing, and should not cry when the debtor cannot be forced to pay the debt

 

why do other contracts in business stand up in court? because the right thing was done with integrity and fairness, but bankers it now appearing they did it from lack of care and being greedy in saving a bit of legal paperwork and now they must pay that price

 

have a fun day all, i am already

[F_DCAs]

The Youtube link is finally up.

 

Thanks for the help I got from this thread - very much appreciated. It's a long one, and stretches across three clips. Had to do some last minute tweaks.

 

YouTube - UK COLLECTION SECTOR LIES & HOW TO COUNTER THEM Part 1

[Pinky69]

Excellent Work F DCAS! I have heard it all the way through and I hope as many people as possible do - well done!

[master woody]

so true, i started out so scared, i even sent back my signature when they ask for it when i knew nothing better

 

me scared 6.2 and 19 stone. Did use to like they said were coming around, more my style...

 

the only thing that makes you feel empowered is education. Thank you CAG for that

[F_DCAs]

Can't hurt if it attracts a few more people to CAG. Shame I couldn't have whacked a few more in there, but if anyone else wants to give it a go, I've got no objections...

[rory32]

I don't know if it's of any interest, but in the last few days CAG has had 4 cases reported where BCW have had decrees alledgedly obtained on statute barred debts in absence. The first notification the alledged debtors (who in all but three of the instances haven't moved around) was a letter from BCW stating that they have a decree obtained against them. No court notification, no nothing.

 

While this isn't a great problem for the seasoned Cagger as the decree could be recalled the really worrying thing is one of them went to the CAB and the advice they received was "well as the decree has been granted you'll just have to pay it". Completely wrong advice of course but I'm afraid fully consistant with the advice that the CAB often gives out.

[F_DCAs]

I'm not surprised this would come from BCW - behaviour I don't put past them at all.

 

I am surprised that nobody has complained about this, legally I mean, because it does seem to be a flagrant abuse of process at the very least. Mind you, not that the arbitration bodies or the court system seems to take much notice these days.

 

 

Time maybe that the CAB starts taking on better informed debt advisors, or maybe they're just over-worked.