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    • Can you ask your GP to get a second opinion on the NHS?  (I ought to know because I'm a retired NHS manager, but worked in mental health where x-rays didn't really feature very much(!).)   Your GP may be reluctant for various reasons but you've got nothing to lose by asking.  Might be difficult if there's only one consultant in that specialty locally.   If that is a non-starter, you could ask your GP for a private referral if any of the relevant specialists run private clinics.  Your son'll get seen quicker and an initial private consultation shouldn't cost more than about a couple of hundred quid.  Then take it from there.   (Emphasise to your GP what your real concerns are and why you have them - even if it's just "I looked it up on the internet and it looks like this which can lead to serious complications.  What do you think?  I'm really worried...")   EDIT:  Just looked on my local NHS Clinical Commissioning Group website and searched for "second opinion" but nothing comes up...  I thought you were entitled to one - you'll have to ask your GP.  Or look on your own CCG site.  Oh - despite being a NHS manager I have paid to see a consultant privately.  £150 well spent - if you can afford it... which I appreciate not everyone can.
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j_semple

What's a Notice of Intended Litigation?

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I shouldn't be posting this but I do need a little advice now. It's all related to this thread:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?260756-Moorcroft-Argos-Card-Me

 

Already done the CCA and all they sent was an application form. Never heard anything more to the litigation letter today. Should I scan it up?

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If its from Moorcroft then it is just another of their childish attempts to intimidate you in to contacting them so they can extort money from you.

 

Just ignore it

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It is from Moorcroft. Saying they want the money by Monday.

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Just ignore the idiots, if you have put the account in dispute due to their failure to supply a valid CCA, there is no need for any further reply

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Hm well OK. I'll scan the letter up and put it in my original thread :)

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I have never seen Moorcroft take anyone to court yet. They just collect on bhealf of Original Creditors, so have no legal powers to start a court claim as they don't actually own the debt.

 

I have had that many letters from Moorcroft over the years from their Pre-Court Division and notices of inteded litigation. I must have enough to wallpaper the toilet with them.

 

Whenever I get any junk from Moorcroft now, I just shred and bin them. No point in opening them as I virtually know all their template letters off by heart now.


These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Sounds good to me ;) What is the likely next option though? They likely to pass it on or whatever (it is for a heavy amount this 2 grand) well was 1800 but it's jumped. In the thread I did mention, I CCA'D moorcroft as some of you probably saw and all they sent me was an application form which I have scanned on my PC. Wrote the account in dispute and then got the letter I got yesterday.

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j - if all they sent you was a scan of an application, then that's an "epic fail" on thier part. To comply with a CCA request, they need to send you a true copy of a credit agreement, a copy of the terms & conditions in force at the time of signing, a copy of the terms & conditions currently in force and a statement of any/all payments made to the account since it was opened.

 

If you've sent the account in dispute letter - which clearly states that they cannot pass the account on when in dispute, then if a new DCA contacts you, then you can simply send them a copy of the disputed account letter, informing them that they should pass the alleged debt back to whichever company they bought it from.


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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OK :) They did reply to the dispute letter saying that only the terms and conditions would have came with the original application form. I never got a copy of them though which they know they should have done. Somebody from the site team (I forget his name) said leave it which I did and we had yesterday's effort. I ain't gonna fret about it though as you all said the litigation letter is basically wallpaper ;)

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