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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.   I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.   As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.   If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.   They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.   If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.   The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.   They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.   Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
    • Go onto the MoneyClaim website and see if you can apply for a judgement. If you can then go straight ahead and do it. It may be that somehow they have overlooked it – or else it has gotten lost in the post. Go to the MoneyClaim website now and let us know
    • If he needs someplace to go and can save up a small bit of money. Try getting him to use Spareroom  He will beable to find something on there I rent from a location and have been here 8 years. ITs a start until he gets himself back on his feet  
    • Update:   Claim issued 01/09/2020 and Hermes filed an acknowledgement of service on 07/09/2020 ("I intend to defend all of this claim").   28 days have passed and there is still no defence - do I need to do anything?  
    • no he was told  he was approved for the IVA, he has the mail saying so, Creditfix    said they  only accepted people who had a 100% chance of being accepted   He was not told  it had failed byt them he had to ask as they never let him know,  they also have not told any of his creditors it had failed so they are all now hounding him  
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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Hi

 

Moorcroft are now chasing me for a creditcard debt.

 

numerous dca have tried and given up

 

i wrote to moorcroft asking for the original cc agrrement as i have the originally supplier and numerous other DCA s i have never recieved an enforcable agreement just an application form.

 

i also wrote to moorcroft askin them to contact me via letter only, which for a cople of months they have. i have recieved a call yesterday but i refused to give security over the phone.

 

the debt hasnot been sold. All my requests for an enforceable agreement have been ignored.

 

i have not been on this site for a while and am finding it difficult to find my way around since it has changed

Any advice appreciated

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when was your last payment or us of it?

 

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... 

 

 

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Have you another thread that shows the "agreement"? If so, post a link to that thread. If not, post up a redacted copy.

 

For finding your way around. Not easy when it's new but once you are familiar, it is quite good.

If you need letters go to the top of the forum and you will see a link in green saying library, click that and then go to the right of the page you arrive at and there you go

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Having looked at your other thread, I would be sending Moorclot a "bemused" letter

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

 

I don't think it matters that they are only collecting on behalf of the OC

 

Don't try the court route to get a valid agreement either.

 

I took Cerbs advice from your other thread in that the agreement is unenforceable.

 

Have you told your partner yet?

 

If the original creditor believes what they have is enforeceable, the question to ask is "Why haven't they taken legal action"

 

Does the letters say to make payments to the OC or to the DCA?

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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hi moorcroft keep writing to discuss a reduced offer yeh right

They ask me to ring to speak to tem about payment

 

i do not ring

 

i think if they had an agreement they would have sent one

 

morrcroft is the 7th DCA to chase this

it got passed on everytime i sent a cca request letter to them

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Sending a CCA request to every DCA is costing you a quid every time. ONE CCA request was all that was needed-to the OC.

 

Send em packing with the bemused letter and then ignore them. Some other muppet will show up eventually and then you send them the bemused letter.

 

If they start legal action, they would have to produce a copy of the agreement and with what has been shown already, the courts would have a dificult job enforcing it

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Moorcr@p :lol: It's not going to go much lower than them in the DCA barrel...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi

 

could someone please tell me if i need to send a request to moorcroft for the original credit card agreement if i have already done so to the original creditor. moorcroft have told me that under oft guidelines i need to send one to them so they can request it from oc

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no ignore

 

the more you keep contacting them or any dca

the more markers get put on your file 'possible mug awaits'

 

 

oh and the clincher here is the 'reduced offer'

 

no dca willl do that id they knew they had a legally binding agreement.

 

 

bug-off

 

time to ignore now

 

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... 

 

 

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