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    • Please will you upload the defence in a PDF format document
    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
    • thats down to mcol making that option available for you to select, you cant force it. typically if there are known processing delays at northants bulk it will be atleast 14 days later if not more.
    • Thanks   Noting the day to apply for default judgement if necessary
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Moorcroft - Please could you advise


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Hi there,

 

I have attached a scaned image with details blanked out as they are taking me to court. This letter is a new one to me, because this debt before was with Robinson way, so have no idea why they have got it now. Last thursday I sent them a letter with the following (minus my address details)

 

 

Moorcroft Debt Recovery Limited

2 Spring Gardens,

Stockport,

SK1 4AJ

 

Dear Sir/Madam

 

Moorcroft Reference: xxxxx

Client Reference: xxxx

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

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.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

xxxx

 

 

Now the issue is, was I too late. I am getting phone calls from Moorcroft, well my wife is and I am chasing up with Royal mail if Moorcroft had recieved my letter. I sent it to them special delivery on Thursday.

 

My question is that I just want to see if they have got the debt, as Robinson looks like it hasn't. If they could give me proof i would setup a payment plan. Reading their letter was I too late in sending them the letter I passed

 

Please could anyone kindly advise

 

Much appreciated

img-902085249-0001_copy.zip

Edited by nervous_wreak
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Hi there,

I too am dealing with Moorcrap.

From what I have larnt at CAG, I would say that you are never too late to ask for the agreement as it is our right. If they dont have an agreement and they take you to court, then I am sure there chances of winning are seriously reduced, there are losts of legal knowledged people here that I am sure will come and help you out soon.

I am also sure that Moorcrap dont take anyone to court, but they just send out threats.

The latest letter I have had is not that they will take me to court, but they will pass it back to the original creditor to take me to court. LOL

I am in the process of replying to them now.

From what people have advised me of on here, they are just bully boys.

Hope this helps a little, im sure some better than me will be along shortly.

 

Regards,

 

Redxxx

Righteousness & Justice Will

One Day Rule

:p:p:p:p

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Hi there,

 

I have attached a scaned image with details blanked out as they are taking me to court. This letter is a new one to me, because this debt before was with Robinson way, so have no idea why they have got it now. Last thursday I sent them a letter with the following (minus my address details)

 

Now the issue is, was I too late. I am getting phone calls from Moorcroft, well my wife is and I am chasing up with Royal mail if Moorcroft had recieved my letter. I sent it to them special delivery on Thursday.

 

My question is that I just want to see if they have got the debt, as Robinson looks like it hasn't. If they could give me proof i would setup a payment plan. Reading their letter was I too late in sending them the letter I passed

 

Please could anyone kindly advise

 

Much appreciated

 

 

Moorcroft usually abide by the rules and stop debt collection activity whilst dealing with a copy agreement request.

 

You sent your request on Thursday so they've only had it 2 working days. They will probably reply to you by 2nd class post, to inform you that your query is being investigated.

 

In the meantime, if you're worried, and if they have threatened legal action you could send them the letter below - click link and open the doc posted there.

 

http://www.consumeractiongroup.co.uk/forum/getting-out-debt/216795-halifax-bos-response-dispute.html#post2389621

Edited by shakespeare62

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Just read your zipped letter from Moorcroft.

 

You definitely should send the sample letter I suggested today. Send by Special Delivery if possible, change the letter heading from important, to URGENT - IMMEDIATE ATTENTION

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If u can't afford special delivery, then send by recorded delivery and fax (if possible).

 

Can u confirm the date your s78 request was delivered to Moorcroft by Special Delivery ? Was it Friday 28th August ?

 

OFT debt collection guidelines (OFT 664) prohibit Debt collection activity, whilst an account is in dispute.

 

In your case, it appears that the original creditor (OC) has failed to notify you before passing the account on to a different Debt collector - in this case Robinson Way, and then Moorcroft. It is a breach of OFT guidelines to use more than one Debt Collection Agency at the same time.

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BTW my advice is not to talk to them on the phone - keep everything in writing, so there is no misunderstanding about what is has been said.

 

From now on keep a paper trail for everything.

 

There is also a sample harassment notice regarding the incessant phone calls here :-

 

http://www.consumeractiongroup.co.uk/forum/getting-out-debt/216795-halifax-bos-response-dispute.html#post2390352

Edited by shakespeare62

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Hi there

 

Many thanks for the replys, Yes they are. I have edited the original message now, and zipped up the image, so if you extract it, you can see

 

Good luck by the way Red :-)

 

Thanks very much;)

This is there usual crap standard letter, but I always cover myself just in case.:)

 

Let us know what they send back.

 

Red

xxxx

Righteousness & Justice Will

One Day Rule

:p:p:p:p

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To empower you, a copy of the Office of Fair Trading Debt Collection Guidance (OFT 664) can be downloaded here (its about half way down the list) :-

 

The Office of Fair Trading: Consumer Credit Act

 

It's worth printing out. :)

 

Keep us posted. Even if Moorcroft can produce an agreement, it would have to fulfill certain criteria to be enforceable in Court.

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Hey there shakespeare62

 

Many thanks for your help, I have sent out that letter via special delivery so they should recieve it tomorrow. Also Royal Mail are investigating about the other letter as they don't have anything on the system to say Moorcroft have recieved it, they said it could be down to the postal strikes that they didnt sign it, so it is now under investigation. I just hope Moorcroft did get it.

 

No I was paying Robison until i got kicked out of my old job, I did ignore there letters, but then the beginning of this year, i did send a letter saying i can repay again becuase i got a new job. Didnt hear anything, until Moorcroft came on the scene

 

I didn't send Robison a copy agreement request

 

The ball is now with Moorcroft once they get the letter tomorrow

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Hi NW,

 

This is a bog standard Moorcroft letter. It actually says a claim "may" be issued, and the enforcement options "may" be considered.

 

I've never heard of Moorcroft taking anyone to court. You have sent your letter so you'll either hear nothing or that your complaint is being investigated and they are holding collection activities.

 

DD

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Hi Nervous Wreak

 

Just had a look at your letter from Moorcroft, I know it's fuzzy, but it reads exactly (word for word) the same as my letter from them a few days ago. I wouldn't worry too much as it's only a threatogram.

 

I do have another thread regarding my letter from Moorcroft as my allege debt is from Virgin Media, VM shouldn't of passed my allege debt to Moorcroft as I took them to Court last Tuesday (25th Aug) and won, so now monies that were owed to VM have been written off by the judge. My letter from Moorcroft was dated 2 days after my court appearance (naughty naughty) so I had pleasure writing to Moorcroft and telling them to bog off and enclosed my General Form of Judgement or Order from the court.

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  • 2 months later...

Hi there

 

Sorry to resurrect this threat, but it seems Moorcroft is not listerning, I got a new letter through today in a yellow envelope, Please could someone check this letter.

 

I still haven't recieved anything anything back from them with my request that I had asked. I sent them a letter which they recieved by special delivery in September. I used Royal Mail track and trace and saw the confirmation

 

Please could you advise on what to do

 

Many thanks for your help so far

moorcroft.zip

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Hi NW ,I have had many of the same letters from moocroft ( pre legal division and all other manner of headings) ,I even was one of the chosen few who had a doorstep visit, but they grew tired of wasting their money and getting nothing in return. They will eventually pass the account back to the origonal creditor who is likely to pass it to another DCA and it all starts again. In all of the time I have been in debt I have yet to be taken to court by a DCA ,so far only OCs have done so and they have got very little out of me so if I was you I would'nt loose any sleep over moorcrofts latest attempt in collection.

sleepingdog

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These are automated threat letters. They have to comply with you and send your CCA before they can do anything. Don't panick. See if they actually send you anything in reply to your CCA request. My bet is that they won't.

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Hi NW , In reference to the moorcroft doorstep visit the gentleman who dared to walk up my drive found no joy as I told him point blank ' there is no agreement , the account is in dispute ,you will not be getting any money from me, now be on your way ' . He did state that he would be back , but as he was paid on commission only I guessed that he realized it was his time and petrol that he would be wasting. Many DCAs later the OC did finally admit no agreement meant that they would no longer be chasing the debt.

sleepingdog

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