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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
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Moorcroft chasing Lloyds loan now sold to 1st credit


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Update on loan account - now received letter from Apex Credit Management Ltd. "Acting for their client" and "role is to act as an intermediary between you and our client to ensure that the debt is repaid"

 

Cant be bothered to scan as usual drivel as "we profile our clients' accounts carefully.." blah blah blah.

 

Account has been in dispute with Moorcrap after CCA request came back empty.

 

Advice on my response gratefully received.

 

Thankfully my daughter has now realised this is just another 2 bob ride on the DCA merry-go-round. Me, I'm just annoyed LTSB did not have the balls to write to us.

 

Would love to come to some permamant arrangement with LTSB so she and her family can have some certainty in their lives.

 

Cheers intend

 

Bumping -

 

note to Abrig - shouldn't it be Thebrig??? -

 

Intend

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Just sat here thinking the CC debt has been handled with courtesy by LTSB and son-in-law paying regular amount, probably a bit more than he should but affordable, but fair play to LTSB they have frozen interest and refunded a fair wack - so to me thats fine.

 

But the loan "sharks" have been praying for blood and refuse to enter into reasonable discussions - were paying over £50 per month - not really affordable but Intend helped out, then in middle of 12 month agreement, they passed it to Moorcroft, who demamded more. With advice of this site, CCA'd them - can't find agreement, Mcrap but account on hold and I stop paying. LTSB refuse to communicate directly - so carry on not paying.

 

Now the letter from Apex.

 

Should I send letter that Account in Dispute"?? Sure BB would say complain cos think they should not pass to another when in dispute.

 

But moral of story to our Bank - "play fair and I will pay"

 

Intend

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If moorcr@p have it then it is either unenforceable due to the lack of paperwork, or it is full of charges ect, and it will never see the inside of a court.

 

All moorcr@p require is this http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

Edit to suit, send it 2nd class post but obtain "Proof of posting" from the PO counter. And ignore them.

 

If your paying them anything for this then stop, no-one gets another penny until they furnish you with the agreement and proof that they can actually legally receive money from you.

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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Been to busy to do anything other than ignore Apex - but now they are ringing - must ring em today before 5pm - yeah right.

 

Time to write and tell them they have got a pup???

 

Intend

 

Just despatched letter to Apex stating do not recognise the debt owed as quoting some reference number rather that an account number and theat I do not respond to unsolicited demands for money from organisations I have had no dealing with. Also said in writing only. 2nd class post with proof of posting.

 

I know I should have sent letter in dispute letter but want to string it out a little.

 

Intend

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Another letter from Apex - might have crossed with mine to them. Usual drivel - disappointed failed to reach any agreement with us. Funny I have agreed to not pay them - presume they have disagreed - should I be disappointed?? Account to be passed to their internal litigation team in order to consider the best course of action for recovery odf the debt outstanding - easy pass it back to LTSB and I will deal with it but will not pay DCAs

 

Time for account in dispute letter as advised above.

 

Intend

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Who is this posting here posing as the Brig??. Be aware of imposters!!

 

Seriously nice to see your old self back.

 

Letters about to be printed and sent off. On CC front - got another default notice - will ignore still paying the £20 per month. If only LTSB would talk about the loan I would arrange some payments despite no CCA.

 

Daughter just been made redunant - so back to drawing board - need to sit down and run over the finances again - prpare for more fun and games, she hasn't much debt but makes paying LTSb more difficult. But as BB says - priorites first which for her is two kids.

 

Thanks to this site I can stay on top of situation and keep the stress from her - like me she worries when not in full control.

 

Intend

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That's sad news Intend, but there are jobs out

there my 18 year old granddaughter who has an

8 week old baby has just achieved a modern apprenticeship

doing an NVQ as an adminitrator in one of the largest

estate agents head office.

As Boo says priorities are family and health and well being.

 

Brig.

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Cheers Brig - good on your grandaughter. My daughter is not one to sit back, like me, her and her hubby have the work ethic and their reward is to be part of the working poor, trapped in a life where every penny counts. I do my best to insulate her from the worries.

 

Intend

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  • 3 weeks later...

Couple of letters from LTSB - one a statement of account for last year - with a closing balance - would indicate they have not sold it and one stating whole balance is in arrears.

 

What is the significance of whole balance being in arrears??

 

Apex been quite since informed them account was already in dispute.

 

Intend

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Hi Intend I would think that the whole balance

has been called in for immediate repayment and

if it has not been paid in full then it is in arrears.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Just getting a little concerned reading the current thread on site about "CAG running scared of CCA" as I have stopped payments due to no CCA. Seems to be a difference of opinion.

 

For moment my call is to carry on none payment until something concrete happens

 

Intend

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Hi Intend,

Please believe CAG and the subscribers to it is

not running scared of anything,there have been

changes due to case law, one can no longer

rely on faulty or missing paperwork to indicate

possibly unenforceability, continue always to

challenge documents if the is a reasonable chance

of success, but to rely on the non production of

a CCA will now not necessarily keep the matter out

of court with recon documents if properly constucted

can be acceptable.

The DCA/creditor cannot enforce a debt in court

without an agreement, but they can still start action,

and pursue collection, they could at any time produce

a recon that MAYOR MAY NOT BE COMPLIANT,

here is where the balance of probabilities enters

the fray, a lot depends on the the back up evidence

to go with a recon.

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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