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    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
    • Thank you for relying so quickly! That is what I had concluded was the reality of the situation.. I'm still waiting for the call within my time slot.. I will try to fill this thread with more info, find original letters and show the docs of the pack I was sent, a pack with no real covering letter to show what it was in response to or from whom..
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Moorcroft - Fees added to debt


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I had a loan with Cahoot in 2005 that I fell into arrears with due to losing my job.

 

The loan was then passed to their solicitors 'Weighmans' who I set an agreement with of £100 per month.

 

I have been paying this by standing order every month on time and have never missed a payment.

 

I have not received any letters from Weighmans (other than the normal statement type letter stating what is remaining).

 

Out of the blue today I have received a Pre court letter from Moorcroft stating the debt has been passed to them and I need to pay the balance in full within 3 days. I

 

n a panic I called Moorcroft to find out what was going on as the balance on the letter was £3690 and I only owed £2990.

 

I was told they had added their fees and interest on top of the amount I owe (this now means I am back to the balance I owed at the beginning of the year).

 

When I asked why this had been passed to them they told me it was because I was not paying the balance fast enough.

 

I haven't received anything from Cahoot or Weighmans stating this... I have also never received any letter saying my account was being passed over to a debt collector.

 

I am due to make a payment on the 27th but do I pay Weighmans and fall behind with a debt collector or pay the debt collector and break my agreement with the solicitor?

 

Also can they add £700 to the balance?

 

If they can then what is stopping them transferring the balance to another debt collector in 12 months time who will add their fees to the balance.

 

Moorcroft are the worst company I have ever had to deal with and their staff are trained to be as unhelpful as possible!

 

Any advise on what I should now would be a great help.

 

The ideal outcome would be to carry on paying Weighman solicitors as I have been doing.

 

I have called the Office of fair trading who advised me to write a letter and carry on paying Weighmans as I am then not breaking their contract

but then will not have the money to pay the debt collectors if they get nasty and demand their money.

Edited by dx100uk
clarity.
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you broke the golden rules

 

NEVER EVER talk to anyone

 

esp a DCA or their tame solicitors on the phone.

 

mucky hall have NO authority to add anything to the debt.

 

in-fact, i'd go as far as to say you maybe being fleeced blind here by weightmans too..

 

have you ever CCA'ed WM to find out if they hold the LEGAL paperwork to demand money from you.

 

if you've been paying £100PCM all these years you've well cleared the original debt anyhow.

 

can you tell us about it please

 

how much and with whom?

whrn

and when you began to have payment problems?

 

been levied any default charges? got mis-sold PPI?

 

all of these are reclaimable.

 

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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I took out the loan with Cahoot at the end of 2004 for £9k and lost my job 6 months later. I started paying Weightmans £100 around mid 2005 and have been paying them ever since. At the beginning of 2010 I owed around £3600 and should now owe £2900. Moorcroft said the extra money added was fees and interest. I didn't take out PPI as I assumed my job was safe. I read briefly on here today about CCA but still not 100% sure how to go about it and also how it will help me.

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You need to send the CCA Request to ensure that the original loan Agreement Document is still around. There are many older loans etc. from around 2004 that do not have the correct paperwork for enforcement through a Court. This request will cost you £1 and requests that they send you the correct documentation to prove they have that right, and any right at all to be collecting from you.

 

This is what you need to do:

 

Send them a CCA request to see if they are entitled to collect this debt & if it's enforcable. If they fail to provide it within 12+2 days or the CCA is unenforcable you can legally withold any payment until they do. Send it recorded delivery enclosing a £1 postal order. When you get a reply, scan it & remove any identifying details and post it back here where we can have a look at it. We'll advise you from there;

 

Dear Sir/Madam

 

Re:- Account No: XXXXXXXX/Your Reference Number: XXXXXXX

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Tradinglink3.gif Regulations 2008 (CPUTR).

If you intend to send a reconstituted copy of the CCA you must declare the reason why it has been reconstituted and if the original exists and in what form (microfiche) etc

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

(Optional)

You should also note that I will only discuss this matter in writing and should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you or any of your associates.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. (Optional)

 

I look forward to hearing from you.

 

Yours faithfully **Edit to suit**

Print name do not signlink3.gif

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Thanks for all the info. I'll be sending this first thing tomorrow and will let you know what I get back. I plan to carry on paying weightmans until I hear back......I'm hoping this payment will still come off my balance and not get lost somewhere in their system.

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pers i'd cca wMns

 

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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  • 3 weeks later...

A quick update ....... I sent the letter recorded delivery the next day (23rd Nov) and they signed for it on the 24th Nov. I received a letter from Moorcroft stating they are requesting the information from Cahoot and until then they have frozen the account. Are the 12 + days working days? It's been 15 days since they signed for the letter and I haven't heard anything back but if it's working days then I guess I have to wait a little longer. What do I do now if they haven't sent through any information I requested?

 

Thanks for your help

 

M

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working days

 

then sent failure to comply letter

 

see the library top left

 

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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I really need some advice as I am so confused now. I have just received a letter from Weightmans Solicitors asking where their payment of £100 is...... If the debt has been passed to Moorcroft then why are Weightmans wanting the payment? I am now worried I have defaulted on the agreement I had with Weightmans. Do I call Weightmans or write them a letter. If I write a letter I don't really want to write too much details in it. Any help would be great.

 

I'm working full time but £100 is the maximum I can pay towards it a month. If no letter arrives Monday regarding the CCA them I will be sending the second letter on Tuesday.

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I would hold ALL payments to any of them who purport to be able to collect this alleged debt.

You can tell weighmans that Moorcr@p are telling you to pay them, and until such time as they A) produce any paperwork to confirm this B) sort it out amongst each other who has the legal authority to collect, that you will NOT be paying them further.

I would send them both that in a letter rather than the phone as they will threaten you over the phone with random BS that won't happen.

You MUST make a formal complaint about both of these fools to the OFT&TS via http://www.consumerdirect.gov.uk/contact TODAY!

 

Send the FAILED letter ASAP, you must keep on top of them else they will think they are the ones in control.

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

Plus if that amount is what THEY TOLD you to pay, now is the time to TELL THEM what you can realistically afford and pay, but AFTER you have seen a copy of your agreement.

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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little fleecers!

 

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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  • 4 weeks later...

I still haven't received any agreement from Moorcroft. I sent the FAILED letter on 14th December and have received a letter from Moorcroft today saying they have sent my request off to Cahoot/Santander and are waiting for them to reply. The letter also states that I need to make immediate contact with them to arrange payment to avoid any action being taken against me. The first letter they sent me after they received the CCA request stated everything was frozen and now they are saying they will take action if I don't call to arrange payment. Can they do this? Where should I go from here?

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stop payments

and wait for it to appear [if ever!! ] little fleecers.

 

now you need to SAR the OC and get reclaiming.

 

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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No, don't worry, it is computer generated, they probably don't even realise it has been sent out!

Whilst they are in default of your request they cannot do anything, except send you lame puerile threats like you have just received! File it away and add it to your complaint to the OFT&TS via http://www.consumerdirect.gov.uk/contact

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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If I read this rightly, you have been paying £100 a month for the last five years against a debt of £2990?

 

Even using simple maths without interest calculations

 

100 x 12 - £1,200 x 5 (2005 to 2010) - £6000 so I think a SAR is in order here to find out how much you have overpaid.....

 

Of course if you have paid less some months then you still may have overpaid and need a refund plus compensation off these sharks.

 

Go for them...

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I read on the forum that if I still haven't received the cca agreement after the 12+2 working days from first letter then an addition 30 days after the second letter then company are committing a criminal offense.... Is that correct?

Moorcroft signed for the 1st cca request letter on 23rd nov then on 14th they received my second letter. In the last few days Moorcroft have been calling me everyday but leaving no message (I won't pick up)..... What happens now? Do I just wait and keep ignoring calls or send another.

Thanks for everyones help ... You've been great.

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Just lost EVERYTHING I typed up!!!!!!!

Nudge this post tomo, and I will give you the links you need to seek to take action against these foolish children!

Complain to these for the misuse of the communications network!http://www.ofcom.org.uk/contact-us/

 

Info only: http://www.legislation.gov.uk/ukpga/1970/31/section/40

 

http://www.legislation.gov.uk/ukpga/1997/40/contents

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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if you have received no reply to your CCa request after 14 working days

 

stop payment now. fire off the failure to comply / indispute letter.

 

the 30 days thing was removed some 18mts ago no longer applicable .

 

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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