Jump to content


  • Tweets

  • Posts

    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • 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,
  • Recommended Topics

  • Our picks

  • Recommended Topics

Advice Needed-Ace Gifts & Moorcroft DCA


omega101
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4166 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

Will try and make this brief! I had a catalogue with Ace Gifts since 2005 and always paid regularly until August 2009, when I became seriously ill & was in and out of hospital for several months. They started to apply 'admin charges' at £20 a pop every month if I missed my payment or it was late. I emailed them and told them because I was seriously ill and constantly being hospitalised would they put me on direct debit so I did not have to worry about when payments were due-I received no response.

 

After going back and forth for 2 months and customer advisors giving me different information everytime, I finally managed to get one who said he would put me on a payment plan of £10 per month & no further charges would incur. However, after making my first payment way before the date it was due I was very angry when I got my next statement to see yet another £20 charge had gone on the account! So I started contacting them again and they would not budge-despite my having copies of all emails sent/received and the names of the advisors. Because by this time I was absolutely exhausted from my illness (Cancer), I gave up with them and just stopped paying. I was then sent a default notice.

 

In May this year, Moorcroft Debt Collections got involved. The debt had now risen to £256 from the actual £112 that I had spent. I sent them a letter requesting my credit agreement, together with the fee, only to receive it back 2 weeks later saying that Ace had said I would have been sent a copy and I should have kept it.

 

I then photocopied all the emails between myself and Ace and sent them to Moorcroft, disputing the amount owed, due to the distress Ace had caused me at a time when I was very ill, and being told one thing and then another by their so called customer service advisors. As far as I was concerned I had been told I was on a payment plan, and despite my making my first payment in good time, they still charged me admin fees-despite saying they would not-and the emails clearly show this. I also told Moorcroft that I was perfectly happy to pay the £112 I actually owed, but not the admin fees, when it was Ace at fault.

 

I have now got a letter back from Moorcroft basically saying that Ace are not budging and want the full £256. I now do not know whether to: (a) Try to go for unenforcability again as they cannot produce the signed agreement. (b) Write back to Moorcroft telling them that I am making a complaint to the OFT(if that is the right organisation?) and forwarding on all my emails, showing I have been trying to reach an arrangement with them. If I did this I would then commence making payments of £1 per month. Moorcroft have got my financial statement and know this is all I can afford.

 

Looking at both options either one would suit me as it will serve Ace right for being money-grabbing and downright greedy. Maybe someone could advise me though as to which one I should pursue, or give me a better option-I do not want to cut my nose off to spite my face!

Link to post
Share on other sites

Firstly stop taking to Moorcroft on the phone.

They will not have contacted ACE or anybody else, it is them that will not budge, as they will tell you anything to get money out of you.

 

Send Moorcroft a CCA request, it is unlikely they will be able to produce anything enforceable from 2005 as they are part of studio cards, who never have any signed agreement.

 

If it turns out to be unenforceable then you are in a good bargaining position to get them to accept a vastly reduced full and final of about 10% of the balance.

 

don't let them pressure you into paying before they have proved they are entitled to collect on the debt.

Link to post
Share on other sites

i'd also put in a reclaim for the 'admin' fees or anything overlimit or late payment.

 

have you got all the statements?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Mornin Alf and mornin dx! Firstly-thank you for responding so quickly. Sometimes you can't see the woods for the trees with these matters.

Should have made myself clearer but I have'nt been talking to Moorcroft on the phone-it's all been through letters and faxes! I will not get into a conversation with them on my phone or indeed on my time lol!

I did'nt realise that Moorcroft was part of Studio-now that was an eye-opener so a big thank you for that! I do have all my statements as that is the only paperwork Ace have sent me, so these show all the admin fees they have been charging me. I would like to know how to put in a reclaim for the fees if you could possibly advise me further on that?

Also-if it does turn out they have not got the agreement, would I then write a letter stating that it is unenforceable, quoting the appropriate legal termonology, and saying that 'as a gesture of goodwill I will offer a full & final settlement of 10% of the amount I actually spent-which was £112. Providing they take mark my credit file as settled with a zero balance owing? Or do I tell them to basically take a long walk off a short cliff!!!!

Many thanks to you once again!

Ant (omega)

Link to post
Share on other sites

no ace gifts are part of studio cards group.

 

unlawful fees reclaim is

from the date of each charge on you

you can reclaim the charge + 8% stat int

to the date of your claim.

 

use

http://www.egalegal.com/compoundWindow.html

 

rests = 12

 

that is if they have not charged you int on the 'admin' fee

 

if they have

 

then charge at THEIR in rate.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...