Moorcroft passed debt to C.A.R.S ltd

[Zorro01]

To cut a long story short.

I had a three mobile contract which I made a £5 per month overpayment on for about 10 months. I stopped paying what I owed to them becuase Three didn't acknowledge any overpayment. They then past the debt onto Moorcroft and I sent them a get lost letter stating that the account is in dispute until the problems and amount owing had been rectified. I heard nothing for 3 weeks and then today I get a letter from C.A.R.S ltd (creditlink)

 

Here is the letter.

 

CONFIRMED RESIDENT

 

Dear Mr Zorro

 

Having conducted preliminary searches our tracing division have confirmed your residency at the above address. Therefore we are left with the only possible conclusion in that you are choosing to ignore our clients repeated requests for payment. (i haven't had any requests for ages and I have never denied that I live at my address ???)

They have now autorised us to proceed in whichever way we deem appropriate, within the boundaries of the law, to recover their monies. It is therefore imperative that you forward the full amount to the above address IMMEDIATLEY by 1st class post.

 

Failure to do so could result in any of these actions:

1. Instruct our local doorstep Collection Agent to make a personal visit to your premises.

2. Recommend to the client to issue a registered default notice against you.

3. Instruct our litigation specialists COURTLINK to commence legal action against you.

 

Should you wish to avoid any of the above or further action then DO NOT ignore this letter.

 

(it then goes on to explain the payment details etc)

 

Does anyone have any info on what to do with this as I (in a sense) disputed the account with moorcroft and I told moorcroft and three that I won't except phone calls and doorstep collections.

Can I dispute an account that has discrepencies on it and that I have not used for over 7 months. The figure they refer to is the total outstanding for the last 7 months upto this august - an end of contract settlement was set up back in November and it is this that they are collecting.

any thoughts

[mr.ton]

I had CARS chasing me last year for a debt.

The fools soon went away when put in their place.

Report them to the OFT & trading standards.

They have no legal powers to money off you whatsoever.

[Zorro01]

Hi Mr ton.

 

What should I do. Should I send them a letter or just ignore them. Whats best to do and in what context. I can tell they are a bunch of muppets by the letter they sent me.

[mr.ton]

You can ignore them if you wish.

Or like me...i took the p*ss out of them on the phone (quite willingly) telling them what they couldnt do etc...

Otherwise just report them to the authorities.

[Zorro01]

any idea on a letter I can send to them becuase I called them and wound them up a bit and they said see you in court and slammed the phone down on me. They was refering to my contract and that I agreed to an 18 month contract and I have to pay the remainder of the balance. But they haven't factered in the 10 months of over payment that I made so until they get their figures straight I don't want to pay them anything. Am I within my rights to dispute this debt until the sums are done correctly becuase I am aware it is a different set of rules (although I don't know the details) when dealing with comms companies etc.

Any advice please?/?

I sent moorcroft this letter and that scared them off.

 

Please be advised that I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY.

 

Your client, 3 mobile, have records of me making an overpayment on the account for approximately 10 months which means that the alleged account and contract is in dispute and has been in dispute since 22/05/2009.

 

Please contact your clients and ask them for a breakdown of sums paid, owing and due monthly under the alleged contract (if you have this true copy of contract please feel free to send proof). You are reminded that your company cannot put on a collection fee as this is against OFT guidelines. You have also breached OFT guidelines by not dealing with my representative, CCCS Client ref:

You have also recently threatened the following to me in telephone conversations, which I might add were recorded, dated and noted in a diary; 1. Selling the debt to another collections company, 2. The threat of taking me to court, 3. Doorstep collections; and I must at this point strongly advise against you taking any of these actions against me as this account is in dispute and will be in dispute until you have resolved the issues surrounding this debt you say I owe to you.

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 such 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 & Short Ltd [1959] 2 QB 384. 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, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

I am not obliged by law to provide you with a breakdown of my income and expenditure; however, your clients 3 already have this information.

 

I expect a reply within 14 days in writing and would also draw your attention to the fact that this letter is also a formal complaint.

Also because I am deaf and hard of hearing I request you make all further correspondence and communications to me in writing and not by phone.

I have sent this letter recorded delivery to ensure safe delivery.

 

Yours faithfully,

 

 

Mr Zorro

[mr.ton]

"See you in court"

They said worse things to me & im still waiting for any of their threats to happen