Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • look up on land registry who owns the property then get in contact with your local environmental heath dept.   dx  
    • Hello all,   I have recently moved into a new property. The bedroom window is facing a bunch of commercial crates which have trash on top of them. The trash is maybe two metres away from the window, making it impossible for the window to be open (I am also afraid of rats being there).   The other windows of the property are facing a communal, enclosed area, which is making it difficult for the property to be properly ventilated. I have already raised this issue with my estate agency and they are trying do to something about it (to be honest, if I leave everything to them, this issue won't be solved until my tenancy is finished, and that is more than one year away).   I am asking for advice, or how could I approach this issue.   I have spoken to my council and, since they do not deal in private property, there is nothing they can do, at least this is what they have told me.   The property with the trash is not owned by my landlord. It is an open space, with big crates, closed off by a fence. If I could, I would climb those crates and remove the trash myself but I cannot. I also cannot climb out the window to reach the trash, as the window is too small.   At times, I see a car in that property but I have never seen the driver. I left a note in the car's window explaining the issue and giving my number. This was around a week ago and nobody came back to me.   
    • Hi   First off ALL Tenants need to re report all the different repairs again via their repairs procedure. Yes its good to get a list of all properties repairs with photo/video evidence signed by all property tenants but you all need to fight this individually as well as a group.   Next you all need to look up your rights on Repair i.e. The Right to Repair Scheme and also their Complaints Procedure.   http://www.legislation.gov.uk/uksi/1994/133/made   https://england.shelter.org.uk/housing_advice/repairs/right_to_repair_for_council_tenants   All Tenants need to take control back with these repair and ask in writing titling any letter 'FORMAL COMPLAINT' and stating the repair and why it hasn't been carried out to date and an exact date when it will be completed.   You also require clarification whether these Repairs come under the Right to Repair Scheme and if so why we were never informed of this. (delete or amend)   You also require copies of the following:   Right to Repair Scheme Policy (Not the Leaflet Repair and Maintenance Policy (Not the Leaflet) Solar Panel Policy (Not the Leaflet) Complaints Policy (Not the Leaflet) Equality & Diversity Policy (Not the Leaflet) When you get the above policies you need to take your time reading them and just think to yourself 'DID THEY DO THAT' in relation to your issue and if not mark it this way you build a list of what they haven't done/followed as per there own Policies and use it against them.   They will have time limits to complete repairs within for Emergency, Urgent, Routine repairs and if they exceed that time limit and need to extend it remember it is with you the tenants agreement not them telling you and tough you can wait.   (bear in mind any repairs during COVID-19 the time limits are now different and most routine repairs are stopped)  
    • I was on UC in late March, and recently received some quite non-committal message that the commitments would be returning, but no indication when.     If I remember correctly the expectation was that we could find at least one job per day to which to apply, or some such nonsense.   Given that the government can only guess how many workplaces will be safe :  1) to commute to/from at the time of job application; 2) to work in at the time of job application;    3) to commute to/from at the date of starting a job ; 4) to work in at the date of starting a job,  5) to commute to/from at the date permanent WFH is dropped; 6) to work in at the date permanent WFH is dropped,    and given that we have lost 20% of our economy, I fail to see how they can both reasonably and immediately mandate any minimum figure of jobs we must apply for whilst this virus just killed over 135 people in the UK (stats released today).  That is only down from 155 last week, and about 175 a fortnight back.   At this rate it will be another 7 weeks MINIMUM before the mortality rate is zero - if it ever reaches zero before the inevitable second wave.  
    • who has sent this 'letter of claim' come from and doe sit mention the pre action protocol and include a separate response pack? 
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
        • Thanks
      • 12 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
natalie

Moorcroft Again

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3990 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

They have messed up big time with this, and I just need to know the right way to go about complaining and to who.

 

I sent a CCA request to them for an Argos Card account.

 

And I got one back (not sure whether its enforceable but at the moment that is irrelevant) complete with my signature.... except that the signature is my married name and when I took out the account it would have been in my maiden name.

 

Surely this is fraudulent?


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

Share this post


Link to post
Share on other sites

You should make a complaint to Trading Standards via Consumer Direct; Consumer Direct - Contact us & the OFT debtcollectionguidance@oft.gsi.gov.uk


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

so how did they get ahold of your new sig then?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I have written them letters in the past (and didnt know not to sign) so presumably from those, or maybe cheques that I have sent with minimal payments. But that is just guessing.

 

My their own admission the account was opened 1998, I got married in 2000.


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

Share this post


Link to post
Share on other sites

Perhaps you should ring the police... this does sound fraudulent. You should definitely ring trading standards

 

08454 040506

Share this post


Link to post
Share on other sites

Moorcroft you have to feel sorry for them.

 

POLICE I THINK.


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

Share this post


Link to post
Share on other sites

Certainly would follow the previous advice, and if Argos are harassing you for the money inform them the Police are investigating:D

 

Make sure you complain to the relevant agencies also:

 

Complaints - Privacy & electronic communication - ICO

 

Consumer Direct

 

The Office of Fair Trading: Contact us

 

Financial Ombudsman Service

 

Boo;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

It's the economic crime unit you need to contact.


An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

Share this post


Link to post
Share on other sites

Write directly to the OFT. Moorcroft's licence still hasn't been renewed!

- If a pub landlord was selling beer 6 months after his licence expired or

someone was driving a car 6 months after his licence expired or

someoneone was watching TV 6 months after...

You'll get my drift.

None of the above would be classed as 'Current', would they?

The OFT are on to them. Write to the OFT. ;)


We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Share this post


Link to post
Share on other sites

*BB watches as the OFT seem to finally be doing something*

 

Or am I having a dream :confused:


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Share this post


Link to post
Share on other sites

I've written to OFT, and to FOS, had the "its a civil matter" from the police but will try the economic crime unit.

 

I'm willing to bet that Moorcroft's response will be "ooh silly me, it was an admin error" but if I sent a letter supposedly from them admitting they owed me money with Mrs K Murray's signature photoshopped onto it, you can guarantee I wouldnt get away with it being an "admin error"!


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

Share this post


Link to post
Share on other sites

Dont really understand the Police view that its a "Civil matter", if they have lifted a sig and used it to create a false document to obtain goods, services or monies by deception then its Fraud, and thats a crime ! they can get jail time for this

 

Do you have a copy of the original agreement(or whatever) with your maiden name and a copy of this one with your married name?

Share this post


Link to post
Share on other sites

No, but I have SAR'ed Argos now, because I know for a fact that I opened it in 1999, and I have early statements in my maiden name.


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

Share this post


Link to post
Share on other sites

So the crux is,

 

The original agreement ( or whatever) would have been signed in your maiden name

 

The one that you have been supplied with has your married name signature?

 

And presumably you have not signed an agreement when you changed name with Argos?

 

If I am correct in my assumptions, then Moorcroft have lifted your signature from corresponance or whatever and created a fraudulent agreement.

 

There can therefore be no question, if this a correct summary, that a Criminal Inditable fraud has occurred and the Police must pursue it as a Crime and so must the CPS

Share this post


Link to post
Share on other sites

I didnt ever sign an agreement with Argos, in my maiden or married name.

 

But I took out the card over a year before I was married, so there is absolutely 100% no way I would have used my married signature anyway.

 

I will be contacting the police again tomorrow as well as my MP.


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

Share this post


Link to post
Share on other sites

Plod probably doesn't have some box to tick or category in which he can put this offence in order to meet government targets:mad:

Share this post


Link to post
Share on other sites

I'd get the backing of someone to help with this complaint such as your MP.


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Share this post


Link to post
Share on other sites

I'm going to give him a ring tomorrow.


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

Share this post


Link to post
Share on other sites

Yes, and good luck, let us know how you get on?


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Share this post


Link to post
Share on other sites

Awww bless, had the following letter today with a cheque for £1.00

 

We write in reference to your recently received letter [where I told them that their agreement is fraudulent as I wasnt married when I took it out, and would be reporting them the relevant authorities, including the police, the FSA, the FOC, and OFT for illegal and unethical practice] and regret to advise that we are unable to comply with your request [of a GENUINE agreement] as we are no longer dealing with this account. For the avoidance of doubt you should resubmit your request to the client.

Please find enclosed a cheque for payment which was submitted with your original request and all further correspondence should be made direct to our client.

Awwwww, doesnt it make you feel all warm and fuzzy inside :D

 

Still no luck with the police though.


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

Share this post


Link to post
Share on other sites

I would make a complaint to the IPCC Making a complaints to the IPCC


The Grand essentials of happiness are: something to do, something to love, and something to hope for.

Share this post


Link to post
Share on other sites

wow after reading this thread am wishing id read it before i sent my CCA request and subject access request etc to DLC. If i had i would not have signed the letter i sent them.

 

Oh well. the signiture i used was one i had scanned into my computer for use with all letters. so ill be having a close look at the CCA and the signiture on it to make sure its not an exact copy of the signiture i used for the letter. So should be easy to tell if it is since my written signiture varies slightly all the time.


Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

Share this post


Link to post
Share on other sites

From the response I have had, I would guess they would try it on but as soon as confronted they would back down, because they know its a criminal offence.

 

They will try their luck to see if they will get away with it, but I dont think any of them are brazen enough to front it out if they were confronted. It wouldnt just mean a slap on the wrist from OFT, but could end up with a prison sentence for fraud.


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

Share this post


Link to post
Share on other sites

True. but there is still other legal options we can take such as civil court. They will not be jailed but atleast victims to such fraud can be rightfully compensated.

 

also once you have recieved a copy of the CCA from them and they have superimposed a copy of your signature from your written letters to them, or faked your signiture any other way, then that copy of the CCA is evidence of the fraud. so they cant back away from it really. So i would take them straight to court if they do it to me. Infact i think we all should, because then they will think twice about it if hundreds or thousands of people took them to court for fraud.

 

or we can just wait for them to take us to court as there keen to threaten us with, and then just produce the evidence of the fraud to the court and put in a counter claim aginst them. would love to see the faces of their legal representatives then.

Edited by teaboy2

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...