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    • My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
    • I've also been in touch via the online portal to the Police's GDPR team, to request the name of the other Driver. Got this response:   Dear Mr. ---------   Our Ref: ----------   Thank you for your request which has been forwarded to the Data Protection Team for consideration.   The data you are requesting is third party, we would not give this information directly to you.   Your solicitor or legal team acting on our behalf would approach us directly with your signed (wet) consent allowing us to consider the request further.   I note the investigation is showing as ‘live’ at this time, we would not considered sharing data for suggested injury until the investigation has been closed.   If you wish to pursue a claim once the investigation has been closed please signpost your legal team to [email protected]   Kind regards   ----------------- Data Protection Assistant    
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
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moorcroft


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Hiya Priorityone,

 

Just to say thanks for the letter it will be very useful in the next couple of days and thanks for the very fast transfer of the letter.

 

Keep on Claimimng your right

Mikey

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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Help each other not the DCA`s

If you have sent letters to a DCA and have proof of delivery you do not have to remind them. It is there problem if they do not respond.

By writing you may just put your request to the top of the pile and they may just find the doc`s within the time frame.

They will jump on you fast enough given any opportunity think of the postage too.

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Help each other not the DCA`s

If you have sent letters to a DCA and have proof of delivery you do not have to remind them. It is there problem if they do not respond.

By writing you may just put your request to the top of the pile and they may just find the doc`s within the time frame.

They will jump on you fast enough given any opportunity ( think of the postage too)

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Hiya Guys and Girls,

 

Just to keep you all updated, as of today the 16.02/07 there are 3 companies recieving the amended letter highlighted by priorityone by me.

They are Moorcroft bas%$^%$, Cabot, and last but not least, JB Dept Recovery.

They are going to sent by recorded delivery first thing in the morning.

 

I have had enough of their bullying tactics and I am going to fight all the way to the courts if needed.

 

Thanks Priorityone for a helpful letter and I will be useing it to them all.

 

Thanks

Mikey

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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Hi Guys and Gals,

 

Just to say letters have gone off,and waiting to print reciept signatures.

My next question is once these people have recieved their letters what is my next course of action.

Espiecally with Moorcroft can I request the money that I have already paid to them at the door back and if so how do i go about it, is there any template letters to help in this action.

 

Thanks

 

Mikey

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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  • 2 weeks later...

Hi to all,

 

Just to keep you informed that I have had no reply from Moorcroft, no reply from JB Dept Recovery, But I have had a 4 page reply form Cabot and I am opening a fresh thread for this beauty.

 

Here it is . http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/72094-cabot-all-help-apprieciated.html

 

Keep On Claiming The Right

 

Mikey

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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If Moo cow crafters Limited (my nick name for them in the brown suites) can not produce the info how do we get them to stop issuing threatening letters?

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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If Moo cow crafters Limited (my nick name for them in the brown suites) can not produce the info how do we get them to stop issuing threatening letters?

 

 

Protection from Harassment Act 1997

its supposed to be section 40 !!!!!

 

http://www.opsi.gov.uk/acts/acts1997/97040--a.htm

:cool: sunbathing in juan les pins de temps en temps

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Hiya Guys and Gals,

 

Just to say that I have still not heard from Moorcroft, its been 12+2+30+ many more days since I sent them my first letter, so it is on the compliants track I must go now I intend to complian about these tos%^&s to all governing bodies.

 

But nobody as come back with an answer for me as yet,

CAN I CLAIM MY MONEY BACK FROM THE GORILLA WHO KEPT COMING TO MY DOOR

 

Thanks

Mikey

 

Keep Claiming The Right After all its your right.

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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Hiya Guys and Gals,

 

Just to say that I have still not heard from Moorcroft, its been 12+2+30+ many more days since I sent them my first letter, so it is on the compliants track I must go now I intend to complian about these tos%^&s to all governing bodies.

 

But nobody as come back with an answer for me as yet,

CAN I CLAIM MY MONEY BACK FROM THE GORILLA WHO KEPT COMING TO MY DOOR

 

Thanks

Mikey

 

Keep Claiming The Right After all its your right.

 

Hi Scouser,

 

I started off with the same idea as you.... to re-claim all payments back after the 12 days + one calendar month default, but I then discovered it wasn't quite as simple as that.

 

It seems that although Moorcroft may not be able to comply with your request for a CCA, they will have had a Deed of Assignment from the original creditor upon sale of the debt. This means that, although the debt is unenforceable in court (no CCA), Moorcroft will have proof that the debt exists (Deed of Assignment)... which means that you would lose if you took them to court over this.

 

You are probably wondering.... "but what if they don't have a Deed of Assignment ?" Unfortunately, there may be no way of knowing this for sure before going to court. They are not going to tell you if they still have it and they are not going to send you a copy because it is covered by the Data Protection Act, 1988.

 

So, I am not saying that you can't do it..... but it would be a huge gamble on your part if you did take it to court. The only way you could win is if they were not able to produce a D of A in court.

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Thanks Priorityone,

 

I think I will leave that alone then eh!!!

 

Thanks

Mikey

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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Hiya Guys And Gals

 

Just to add if we are not careful the Bailiffs are going to get more power to break and enter your house for goods or monies owed. Please click on the link below and join the petition that we need to sign on line to stop this dead.

 

We the undersigned petition the Prime Minister to Restore the ancient rights of British citizens to refuse the forced entry of bailiffs.

 

Come on guys keep fighting for the right

 

Thanks in Advance

Mikey

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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  • 2 weeks later...

Hi Guys,

 

Just to update everyone about my timescales against all the DCA's

 

Lowell Portfolio & Lowell Financial = 46 Days Total

Moorcroft = 96 Days (Never had a reply from at all)

Cabot = 90 Days ( Still exchanging letters)

JB Dept = 94 Days (Never had a reply from them either)

 

 

And still I am counting the days.

 

What do you think I should do about Moorcroft or JB Dept as they have never replied from my first letter and it was Moorcroft door bouncer told me at the door he would be back, that started me off on this trail. perhaps I should send them both a second letter letting them know where I stand, and also show that I tried to commicate if needed further down the line.

 

What do you all think

 

Thanks

 

Mikey

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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There is no need to write anything Scouser. I have also not heard from Moorcroft for ages..... CCA request was made in January and their Standing Order was cancelled after the 12 working day default.

 

Not heard a thing !! Fantastic !! If they contact me now without a CCA, they will have to go to court to re-enforce it and possibly explain why it has taken so long to appear. Therefore, any contact in pursuit of payments will be deemed as harrassment and dealt with if/when it happens.

 

In the meantime, I am not worried and you shouldn't be either. Just make sure you hang on to all correspondence, rec. delivery slips, etc.

 

:)

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Hi Guys,

 

Yes thanks PP I will follow your direction and wait to see what happens from them next.

My Cabot thread is still running letters to and fro as yet, but I will keep everybody up to date as and when it happens.

 

Thanks again PP

 

Mikey

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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  • 6 months later...

Hi all,

 

I am back with an update as to what as happened with Moorcroft. Well if you go back in my posting I have never heard anything from Moorcroft since 13/ 12 / 06.after me sending in my SAR.

 

But as I previously stated they were acting o behalf of Aktiv Kapital (UK) Ltd of Chester. Well today I recieved an interesting letter and I thought I would post it for you lot to have browse and please leave your remarks clean please. I would also be very grateful if anyone could pen a reply draft for me please as you all know I am useless at writing letters to these bum holes. the letter follows

 

AKTIV KAPITAL

HAMILTON HOUSE

CHESTER

CH1 2 BE

Tel : 08701-609543

Fax: 01244 - 314635

e-mail: [email protected]

Dear Mr Scouser9

We tried to obtain the copies of the original documents on your behalf but unfortunately we been informed by the selling bank that these cannot be retrieved from archives.

The Credit Services Association, of which this company is a member, advises in its guidelines that the debt sale process can be complex. However states that members of the Association are to deal with requests under section 77(1) as though they were the originating creditor, in so far as they are able to. The CSA states that it is up to each member on an individual basis to decide how far to comply with the Act. It is the decision of this group to seek to adhere to the provisions of the Consumer Credit Act as much as possible, but we have not inherited the liabilities of the original creditor, for instance having to prove a copy of the original agreement.

We did not provide you with the original facility. We purchased your outstanding debt balance and the right to collect that balance. We did not purchase the documents; consequently there is not an obligation to provide you with any copies. When accounts are legally assigned, we do not purchase the liabilities of the original creditor.

However, as a matter of good practice, we have tried to obtain copies from the original credit grantor. As we have previously stated, these are not available.

Entirely without prejudice, we would be prepared to accept 50% of your debt as full and final settlement of the account. As a gesture of good business practice we shall, on receipt of payment, update your Credit File to show the account as paid in full. That should be of future benefit to you.

Our offer is made on condition that payment is received within 3 weeks from the date of this letter and is made simply to try and resolve matters amicably.

In line with our official complaints procedure this letter constitutes the company’s Final Response.

We reserve the right to litigate and to produce a copy of this letter in Court, on the the subject of costs.

We await your response

Aktiv Kapital (UK) Ltd

 

 

Can you please go over it for me

Thanks in advance

 

Mikey

 

Keep on Fighting the fight

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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Basically, the stupid bergers can't re-enforce the debt because they haven't got any paperwork.... but are hoping you're not savvy enough to realise.:D . For your amusement, the letter also has some creepy undertones that you don't normally read from DCAs... such as "try and resolve matters amicably" and "as a matter of good practice".... although my favourite is the bullpoo in paragraph 2 from their friends in the CSA.... :D

 

If you still want a letter, I will post one up later unless someone else beats me to it.... lol !

 

Excellent result !!:D

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yep, tell em to do one, they are trying to salvage something from a bad situation. I will enjoy priorityones letter I am sure :D

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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HOHO. Just write back and say that, as you have no recollection of ever having signed an agreement, and that they are unable to prove that such a document ever existed, in the most amicable way possible, you suggest that they cease all attempts to collect on what is patently a non-debt, and that they cease processing all data in relation to the account. This to include removal of ALL adverse information placed with any third party, including the CRAs.

 

You reserve the right to escalate matters to the appropriate regulatory bodies igf they do not comply, and you do not rule out court action of your own as final resort.

 

You trust that this will not prove necessary, as the fiscal implications for them would be an unwelcome burden on them.

 

Give them 7 days to reply, and if they do not feel they are able to comply, then would they please forward a copy of their complaints procedure.

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Ok.... here is a suggested letter, as promised. As always, please fell free to add/delete/edit, etc. :) If happy, send by rec. delivery....

 

Dear xxxx

 

Ref xxxx

 

Thank you for your letter of xx/xx/2007. I have reviewed your response to my concerns and now write with my own final response.

 

To date, xxxxxx, xxxxxx and xxxxxx have all failed to comply with my statutory request for a true, signed copy of a regulated credit agreement and have therefore defaulted in respect of the above account.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the Consumer Credit Act, 1974, regardless of whether an account has been passed/assigned/sold and as such, is a complete defence in any court claim that may be issued. It also remains unenforceable until such time as a default is either removed or enforced by a court of law.

 

This means that any attempt by your company or any other company to enforce collection on the above account will represent a further offence until such time as the original Consumer Credit Agreement can be produced and re-enforced in court (Consumer Credit Act, 1974).

 

In view of your comments in the aforementioned letter, I have no alternative but to assume that you never had such documentation in your possession following the purchase of this account. Furthermore, as it's now apparent that you will never be in a position to comply with my request, I cannot ever confirm that I have given authority for my personal data to be processed by any third parties.

 

Therefore, under the Data Protection Act, 1998 please take notice that as from receipt of this letter, I require you to cease and desist from processing any personal data and, that you do not begin to process, communicate, pass or sell any personal data of which I am the subject, to any other third party.

 

I trust this clarifies your position and mine.

 

Yours faithfully/sincerely,

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Hi all,

 

I am back with an update as to what as happened with Moorcroft. Well if you go back in my posting I have never heard anything from Moorcroft since 13/ 12 / 06.after me sending in my S.A.R - (Subject Access Request).

 

But as I previously stated they were acting o behalf of Aktiv Kapital (UK) Ltd of Chester. Well today I recieved an interesting letter and I thought I would post it for you lot to have browse and please leave your remarks clean please. I would also be very grateful if anyone could pen a reply draft for me please as you all know I am useless at writing letters to these bum holes. the letter follows

 

AKTIV KAPITAL

HAMILTON HOUSE

CHESTER

CH1 2 BE

Tel : 08701-609543

Fax: 01244 - 314635

e-mail: [email protected]

Dear Mr Scouser9

We tried to obtain the copies of the original documents on your behalf but unfortunately we been informed by the selling bank that these cannot be retrieved from archives.

The Credit Services Association, of which this company is a member, advises in its guidelines that the debt sale process can be complex. However states that members of the Association are to deal with requests under section 77(1) as though they were the originating creditor, in so far as they are able to. The CSA states that it is up to each member on an individual basis to decide how far to comply with the Act. It is the decision of this group to seek to adhere to the provisions of the Consumer Credit Act as much as possible, but we have not inherited the liabilities of the original creditor, for instance having to prove a copy of the original agreement.

We did not provide you with the original facility. We purchased your outstanding debt balance and the right to collect that balance. We did not purchase the documents; consequently there is not an obligation to provide you with any copies. When accounts are legally assigned, we do not purchase the liabilities of the original creditor.

However, as a matter of good practice, we have tried to obtain copies from the original credit grantor. As we have previously stated, these are not available.

Entirely without prejudice, we would be prepared to accept 50% of your debt as full and final settlement of the account. As a gesture of good business practice we shall, on receipt of payment, update your Credit File to show the account as paid in full. That should be of future benefit to you.

Our offer is made on condition that payment is received within 3 weeks from the date of this letter and is made simply to try and resolve matters amicably.

In line with our official complaints procedure this letter constitutes the company’s Final Response.

We reserve the right to litigate and to produce a copy of this letter in Court, on the the subject of costs.

We await your response

Aktiv Kapital (UK) Ltd

 

 

Can you please go over it for me

Thanks in advance

 

Mikey

 

Keep on Fighting the fight

 

 

I received excact same letter yesterday, and Im not the only one, see my thread aktiv kapital, me thinks they are hopeing if they send enough out someone soft sod might just give in and pay them.

 

Brecken xxxxxxxxxxxx

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Thanks for the speedy reply and help with the drafted letter, I will be altering afew things on the above and posting for your recommendations also i will be sending them 2 copies one byrecorded letter and the other by e-mail as i have both address's I thought I would use them the they cannot say that they did not recieve either. And as my e-mail asks for reciept it would 2 ways of holding them responsible of reciept.

 

Thanks for all the replys

and thanks to brecken and curleyben for all your help and thanks priotyone for the well written letter

 

Keep on Fighting the fight

 

scouser9 ( mikey)

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

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