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    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
    • How about -     Dear Will & John,   Re: your reference XXXXX, vehicle registration XXXXX   cheers for your Letter Before Claim.  I rolled around on the floor in mirth at the idea you thought I would actually take such bilge seriously and then cough up.   Now you know and I know and now you know that I know all the reasons why these residential parking claims are utter pants.   Your thicko client, UKPM, have been hammered in court so many times in these cases, but if they haven't learnt their lesson and want another thrashing, fine, bring it on.   I see the government this week dropped tests for fully-vaccinated travellers returning to the UK, so if your client is daft enough to take me to court then I will delight in tolchocking them, then obtaining an unreasonable costs order under CPR 27.14(2)(g), spending it all on a foreign holiday, and then laughing at your client's expense while I down my aperitivi.   I look forward to your deafening silence.   COPIED TO UK CAR PARK MANAGEMENT LIMITED     Gladstone's and UKPM are well aware of where these letters originate from and that they would have a real battle on in court, so lately have always run away ... although of course there are no guarantees.   However, hang on through tomorrow and see what the other regulars think.
    • 'Walk the ice, take risks and do it quickly'View the full article
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Urgent help plese - letter received from Moorcroft


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Bailff’s Letter arrived - help

My friends (yes, honestly) have just got a letter from Moorcrofts demanding repayment, within 7 days, of the whole of an unsecured personal loan of £36k from one of the main UK high street banks.

The bank stopped taking personal loan repayments from the overdraft account, probably because that was in excess of the limit. No loan account statements have been received for 12 months. No letters of demand or even a letter requesting repayment have been received. The loan appears to have just drifted for a year.

It is a long-winded case but basically our complaint to the FOS was not upheld and a second, claiming PPI fees & irresponsible lending / churning to get more bank commission / insufficient affordability checks is being prepared for submission.

My friends accept that most of the principal needs to be repaid but they hope for a reduction of a few thousand £Ks if they can get fees / PPI refunds. Their monthly income is £1,600. They have a very small house in a run down part of London, left to them when mum died. They are financially unsophisticated people but are now extremely worried and are in urgent need of help. So may I ask?

1. Is there anything we can do to get Moorcroft off their backs whilst they get some to give the advice / negotiate on the best way forward.

 

2. Is there anyone they can turn to urgently without getting ripped off? I am out of my depth now. I know the CAB have a great reputation but last time we enquired, they could not see or talk to us for weeks in advance. Moorcroft, unrealistically give a 7 day deadline. Is this typical bailiff scare mongering?

 

3. Is there another website that specialises in this subject?

Any guidance would be gratefully received.

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Morning,

 

Firstly, I suspect that letter is full of "MAY", "MIGHT", "COULD". The only way a bailiff can call is if there is a County Court Judgement in place and your friends failed to pay.

 

If it does go to court (and they lose), apart from having a CCJ on their credit file, the judge would take all their income and expenditure into account before making a judgement on what they should pay on a monthly basis.

 

I would check out National Debline first. They can be quite helpful:

 

National Debtline – Free, Confidential Debt Advice – Call 0808 808 4000

 

Also check out CCCS and Payplan. They do a free debt management plan to help

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Moorcroft are not bailiffs..... they are debt collectors with no legal powers of entry into your home. Bailiffs and debt collectors are two very different things and yes, their letters are pretty standard scare-mongering fare; usually from the pre-court division... :rolleyes:... or in other words, the next desk along.

 

As this is such a large sum, your best course of action would be to send a SAR to the bank and inform Moorcroft that you are disputing the figure owed and advise them that until such times as your legal request is actioned, no payments will be forthcoming. You may also want to ask them under what legal authority they possess the right to collect payment from you anyway.

 

A SAR doesn't place an account "in dispute" in the legal sense, but you do have the right to determine how figures have been calculated and to examine the paperwork to see what the balance was before transfer to Moorcroft and to deduct unlawful charges from that balance to get a true figure. Chances are that Moorcroft will have added a fair whack to the alleged balance that they're chasing.

 

Once the true figure has been determined, you can negotiate repayments from there.

 

So... send the SAR by rec. delivery to the bank, enclosing a PO for the £10 fee (always best to send a PO rather than a cheque)... Sign in block capitals. They have 40 days within which to comply.

 

At the same time, write to Moorcroft with "I do not acknowledge any debt to your company" and advise them that a SAR has been sent to the bank and until you are in receipt of that information, no payments will be forthcoming. In the same letter, make sure you ask for details of the legal basis for their claim to be able to collect payment from you. Send off by rec. delivery as well.

 

If they are acting on behalf of the bank (as I suspect), then they won't be able to initiate court action anyway......

 

;)

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Ok and thanks. As Moorcroft refer to "Our Client" I suspect the debt has not been assigned to them. Thanks

 

Most of them use the word "client".... it makes them sound legally savvy when they're not, that's all. ;)

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