Jump to content


  • Tweets

  • Posts

    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
  • Recommended Topics

  • 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
      • 160 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
  • Recommended Topics

ways of paying debt collection agencys


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5357 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hello all just a short question

moorcroft and scotcall sent me payment books i ask for standing order details but was told they dont accept standing order as payment method anymore only direct debit which i dont wanna set up ,does anyone else set up a standing order with these guys

Link to post
Share on other sites

The Office of Fair Trading: Contact us

 

Consumer Direct If you complain to these they will automatically forward your complaint onto your local Trading Standards:D

 

The Office of Fair Trading: Debt collection practices

 

have a read through the OFT's own guidance on debt collection.

 

Don't set up a DD with the clowns, if you want to pay using SO then all you need is their bank details, account no, and sort code, then just set up the SO anyway.:D

 

Apart from that, have you made certain that they can legally collect your money?

I'm not saying you don't have debts which need paying, but have they been given the legal rights to collect money from you?

Have you seen a notice of assignment, default notice, credit agreement etc etc?

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!

 

 

Link to post
Share on other sites

Doesn't the payment book have the bank details in?

Have you CCAd them to see if the debt is enforceable or not?

 

DG

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

Link to post
Share on other sites

you can use the credit acc no and sort code and your refernce number from the pay in books to set up a standng order at your end or make one off monthly online banking payments to them

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Complain to TS and the OFT for them limiting your rights as a consumer. They can accept SO, what a load of BULL!

 

not so sure that this wouldn't be a waste of time unless you can cite what it is they've actually done wrong. 'limiting your rights as a consumer' seems a tad intangible to me.

Link to post
Share on other sites

hi all the debts are old mobile accounts and bt virgin media so i have to pay them ,just costing me a lot with the pay in books (charge 2.40 per book )on the pay slips a credit account number and ref so all the detail are not on it , i will send another letter to both agencys to see if they offer their account info .

Link to post
Share on other sites

moorcrap tried the book thing with me so I sent the entire book back (postage free to me) and told them no account details no pay, so the passed the debt off to another scummy company, who failed miserably to enforce said alledged debt;)

Link to post
Share on other sites

Misleading actions

 

5.—(1) A commercial practice is a misleading action if it satisfies the conditions in either paragraph (2) or paragraph (3).

(2) A commercial practice satisfies the conditions of this paragraph—

(a) if it contains false information and is therefore untruthful in relation to any of the matters in paragraph (4) or if it or its overall presentation in any way deceives or is likely to deceive the average consumer in relation to any of the matters in that paragraph, even if the information is factually correct; and

(b) it causes or is likely to cause the average consumer to take a transactional decision he would not have taken otherwise.

 

 

The Consumer Protection from Unfair Trading Regulations 2008 No.

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!

 

 

Link to post
Share on other sites

If the mobile pphone accounts include 'late payment fees' or 'termination' fees you should claim them back. Are you sure they are not both collecting the same account? Moorcroft and Scotcall are part of the same group (which includes Robinson Way) and frequently pass debts amongst (or is it between) themselves. Scotcall are not woth paying one penny to as they are not 'bailiffs' nor 'licenced legal practitioners' as I was once told.

Link to post
Share on other sites

sorry.... it was an attempt at explaining it, but it doesn't wash. ;)

 

The cputr quoted would only apply if the misleading omission (which I'm not sure this really is as their choice how they accept payment, if at all) caused the consumer to make a transactional decision that they would not have otherwise have done. In this case therefore as there is no transactional decision it doesn't apply, in fact, quite the opposite - at most it prevents a payment. You need to show both to have a cause of action.

 

Before we deal with the fact that it causes a different type of transactional decision, I don't accept this either. It is the same result through different methods and I doubt that the powers that be will mandate methods of payments, especially if such is a standing order which has other administrative costs attached to it for the business.

 

I really am all for complaining to the oft etc, but we really need to be clear why we are complaining. Just because we don't like something is not a reason not to complain but I think we need to be honest and simply say that we don't like a certain practice, and not try and dress it up in law that doesn't apply. the law does not make everything that is unpalatable unacceptable.

 

The only argument here is if the payment method given means that you have no choice other than to accept some sort of transaction fee or surcharge, but even here the regulators haven't had much luck with ryan air etc, have they? The other route to take would be if the original loan allowed or mandated SO payment. If the original loan dictated DD payment this is what you are likely to be stuck with, subject to the whims of the creditor accepting something different.

Link to post
Share on other sites

hi thanks sillygirl1 for that bit of info as i have 2 bt debts and 2 orange mobile debts with moorcroft and scotcall take one of each debt quite confusing when trying to sort out , on the cca reqests mobiles and bt etc are not covered is that right ,only mobile account with whack me with extra charges was orange with 2 debts at 195 and 105 now are 485 and 385 ,i was told by scotcall that nco put the charges on the 2 accounts ,anyway this morning had a call from scotcall regarding payment and i said i would pay by p/o because i dont wanna drag it out any longer ,thanks fro everyones reply been most helpfull

Link to post
Share on other sites

Mobile phone contracts don't come under the CCA, any charges that they have stuck on top, should be ignored don't pay them.

Also, don'ttalk to them on the phone, you should keep everything in writing as you'll have a paper trail of evidence then, or are you able to record your calls?

 

You shouldn't lie down and accept what they are telling you, I appreciate you just want it over and done with, but that is how these DCA's operate, they wear you down with constant harassment, and phone calls, threatening letters etc.

 

They are easily put back in their cage, with the help of CAG;)

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!

 

 

Link to post
Share on other sites

I recall a case about paying in pennies, but can't find it. It went along the lines that you could pay ion pennies, but that the creditor could refuse if reasonable or charge admin fees for doing so. Google couldn't help, but I did find this:

 

£1,300 fine paid in pennies refused - Channel 4 News

 

and an account of a us court saying no, a farmer using a cow as a cheque and a gloucester council saying it was ok.

 

I think as an experiment someone should try. see what happens.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...