Need Help Re Moorcroft Re Mint

[Huff&Puff]

They have just sent you the next computer-generated threatogram in the series. If it were me, I would just ignore them, they know you have a valid dispute whatever they write.

[gezwee]

Hi Red,

 

F.O comes to mind

 

Already failed to comply with CCA request, in all honesty if you're not paying a bean to the alleged account they'll probably issue N1 at some stage and hope you won't defend. May be a month away, may be 5 years away - who can tell

 

You can keep reminding them as often as you like of their non compliance but they will always rely upon admin errors for excusing themselves with a DJ

 

' If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. '

 

I'm a bit of a fence sitter, would never encourage anybody to go one way or the other without knowing them personally and how they cope when subjected to communication from some of the idiot DCA's out there.

 

Can offer you my best wishes though and would suggest you start to build a folder with all the helpful advice on here........ just in case the broadband goes off at just the wrong moment!

 

Gez

[Mrs E Blackadder]

Hope no one minds me butting in on someone elses thread but after reading this with interest I have a question.

 

A letter from Moorcroft arrived at my address which was actually for my ex who left over two years ago. I opened it in error and, just like the letter received in the above thread, had the line about how they had checked with the major utility company and that they could prove my ex still lived at this address. As far as I am concerned this is a load of old tosh because all of the utility bills for this address are now in my name so, my question is, just which utility companies are these bunch of cowboys (pretending to be) contacting to get their information?

 

Sorry to butt in, but it seemed kind of appropriate given that it has been mentioned here.

[gezwee]

Hope no one minds me butting in on someone elses thread but after reading this with interest I have a question.

 

A letter from Moorcroft arrived at my address which was actually for my ex who left over two years ago. I opened it in error and, just like the letter received in the above thread, had the line about how they had checked with the major utility company and that they could prove my ex still lived at this address. As far as I am concerned this is a load of old tosh because all of the utility bills for this address are now in my name so, my question is, just which utility companies are these bunch of cowboys (pretending to be) contacting to get their information?

 

Sorry to butt in, but it seemed kind of appropriate given that it has been mentioned here.

 

 

Simple answer is that they havent got a clue, somebody thought it would be a good idea to include it in their templates many moons ago and the idea stuck.

 

If they get one response from a hundred mailers they'll be quids in. All it takes is somebody to worry that the DCA can actually enforce a debt without litigation or supporting evidence.

[Red1983]

Thanks very much for your replies, gives me a little more pece of mind. You think that you have everything covered then they send something back at you and I tend to panic, forgetting all I have learend, but you never know, you know?

Will be sending reply, and whats an N1?

 

Thanks a million.

 

Red

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[postggj]

An N1 Is The Form For A County Court Claim

[postggj]

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/177131-marlin-rankin-now-court.html

 

RED

 

HAVE A NOSE AT MY LINK

 

GIVE YOU AN IDEA HOW YOU CAN TURN THE SCREW IF A DCA STARTS A CLAIM IN COURT WHILE IN DISPUTE OF A CCA REQUEST

[Red1983]

Hope no one minds me butting in on someone elses thread but after reading this with interest I have a question.

 

A letter from Moorcroft arrived at my address which was actually for my ex who left over two years ago. I opened it in error and, just like the letter received in the above thread, had the line about how they had checked with the major utility company and that they could prove my ex still lived at this address. As far as I am concerned this is a load of old tosh because all of the utility bills for this address are now in my name so, my question is, just which utility companies are these bunch of cowboys (pretending to be) contacting to get their information?

 

Sorry to butt in, but it seemed kind of appropriate given that it has been mentioned here.

 

 

If my reply to Moorcrap is any good, you are more than welcome to take anything you want from it.

I think I managed to use that utility thingy to mess em up even a little bit, took em a while to reply, after many days of trying to figure out what to write back, they decided to just ignore the whole letter. Kinda shows their mentality really doesn't it.

Heres an idea: I could get a job with them, and create my own template letter:

 

To sir/madam,

 

After much consideration we have decided that all debts we now hold shall now be written off completely.

Please accept our appologies for the many inconveniences we have caused to so many peoples lives. For the fear we have created, and the many times we have pushed people to suicide with our constant bombardment of threats and harrasment.

Please be assured that we are truly sorry, and accept all liability for the many debt collection breaches.

We shall inform all companies involved that all debts are now cleared.

 

In good conscience.

 

MoorCrap

 

Then I could hand in my notice.............

 

I need to get out more........

[Red1983]

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/177131-marlin-rankin-now-court.html

 

RED

 

HAVE A NOSE AT MY LINK

 

GIVE YOU AN IDEA HOW YOU CAN TURN THE SCREW IF A DCA STARTS A CLAIM IN COURT WHILE IN DISPUTE OF A CCA REQUEST

 

 

Ok PostGGI, checking it out now.

xxx

[Red1983]

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/177131-marlin-rankin-now-court.html

 

RED

 

HAVE A NOSE AT MY LINK

 

GIVE YOU AN IDEA HOW YOU CAN TURN THE SCREW IF A DCA STARTS A CLAIM IN COURT WHILE IN DISPUTE OF A CCA REQUEST

 

Thanks for that POSTGGI, but, ya know what... All that stuff terrifies me! I have a CCJ from three years, ago, and all I pretty much did was cry in front of the judge, I couldnt stop shacking. He looked favourably upon me though, but still got the judgment at the time I thought it was victory as the judge said we could 20.00 pm, however now I realise I got a CCJ.

Now you see how blond I am, and how all this legal speak scares the hell out of me.

I think the biggest thing Im afraid of is going into court, and thinking I know what I speaking about, and then it turns out I haven't got a clue, and would a judge look less favourably on me because I sound like I know what Im takling about. oooohhhhh I hate it, but know I just might have to face it all one day.

Keeping head up though, and will post reply from Moorcrap.

One other thing, are you sure you can charge all that for letters etc....?

Kinda feel like I am as bas as them if I do that.

 

Red

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[postggj]

Litigant In Person

To Right Do Costs Against Them

 

With My Claim, The Solicitors Are Relying On The Last Throw Of The Dice

I Know Its All Over Bar The Shouting

You Just Have To Be A Dog With A Bone On This And Realise

 

These Sols And Dca Have No Power Over You

They Huff And Puff

But At The End Of The Day, It All Goes In Front Of A Judge

 

By The Way

 

In My Case Mortimer Clarks Latest Trick Has Cost Them Another Hundread Quid:smile:

[Mrs E Blackadder]

"I could get a job with them,"

 

I think we should all get jobs with them and make the world a better place. Alternatively, we could start our own debt collection agency. We wouldn't make any money because we would be advising people on how they could lessen their debts by using the law, but we would be nice people to deal with

 

"Please be assured that we are truly sorry, and accept all liability for the many debt collection breaches."

 

You missed out a line that should say something along the lines of: As we have admitted everything is our fault, feel free to sue our arses off. We will readily admit all in court, pay you damages and costs with 50% interest added on top.

 

 

"I need to get out more........"

 

No, the employees of debt collectors need to get out more. I wonder if an employee of moorcroft has ever been in debt and then chased by their employers for said debt? Now, that would be an interesting one

[Red1983]

"I could get a job with them,"

 

I think we should all get jobs with them and make the world a better place. Alternatively, we could start our own debt collection agency. We wouldn't make any money because we would be advising people on how they could lessen their debts by using the law, but we would be nice people to deal with

 

"Please be assured that we are truly sorry, and accept all liability for the many debt collection breaches."

 

You missed out a line that should say something along the lines of: As we have admitted everything is our fault, feel free to sue our arses off. We will readily admit all in court, pay you damages and costs with 50% interest added on top.

 

 

"I need to get out more........

"

 

No, the employees of debt collectors need to get out more. I wonder if an employee of moorcroft has ever been in debt and then chased by their employers for said debt? Now, that would be an interesting one

 

 

LMAO!!!!!! ha ha ha ha ha ha ha, too true, too true:D

 

xxxxx

[Red1983]

Ok, so heres my reply. any points would be great,

 

 

 

I am in receipt of your letter dated xxxxxxxxx received the xxxxxxxxxxxxxx.

I would like to bring your attention to the fact that this account is in dispute with Moorcroft. I made a formal request for a copy of the originally signed Credit agreement on the xxxxxxxxxxx, and a Subject Access Request. I have also responded since then, letter dated xxxxxxxxx, received by Moorcroft on the 17th August 2009, simply wanting an explanation as to why you needed proof of my identity when you previously state that you have already confirmed my identity. To which, I have still not had a reply!

You are in serious breach of my Subject Access Request which I paid for – 10.00 on the 7th July 2009, and in serious breach of the CCA request.

Although you offer me a ‘discount’ no further discussion will be entered into about this matter until my Subject Access Request and CCA request is complied with and I remind you that you are to supply the agreement regardless of you being the original creditor or not.

You have 14 days from the date of this letter to comply with my request, after which time I shall be, without further notice, reporting the Moorcroft Group to the relevant authorities for breaching the Debt Collection Guidelines, non compliance of the Subject Access request, Non Compliance of the CCA request, harassment, and threats.

You state in your letter that you are going to arrange a visit to my home address, I would like to point out that you may not enter onto my property without my prior consent, this consent is explicitly withdrawn, and if anyone is sent to my property, again the appropriate authorities will be contacted for the removal of any such person.

I look forward to your reply, and most importantly compliance with my legal requests

[Red1983]

bumping up xxx

[Huff&Puff]

You need to CCA Moorcroft, and SAR the original creditor. It's pointless sending Moorcroft a SAR, they won't have anything.

[Red1983]

You need to CCA Moorcroft, and SAR the original creditor. It's pointless sending Moorcroft a SAR, they won't have anything.

 

Oh, I've already paid for it too.

I was hoping to avoid CCA'ing them directly. The account was originally with Intrum, and they failed to provide and passed it back to the OC, few month down the line I start getting letters from these pricks!

So you think I should CCA the OC directly then, and tell Moorcrap that Im doing so?

 

Thanks a million

 

Red

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[heliosfa]

Oh, I've already paid for it too.

I was hoping to avoid CCA'ing them directly. The account was originally with Intrum, and they failed to provide and passed it back to the OC, few month down the line I start getting letters from these pricks!

So you think I should CCA the OC directly then, and tell moorcroft that Im doing so?

 

Thanks a million

 

Red

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there is no problem with SARing moorcroft, it might throw up some interesting info but probably not all of the transaction logs. For this, you will need to SAR the OC.

 

The CCA needed to go to moorcroft, and you don't need to CCA the OC.

 

H

[Red1983]

Ok cool, thanks very much

 

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