Moorcroft chasing Lloyds loan now sold to 1st credit

[BRIGADIER2JCS]

Standard default notice as required,

you have payments arranged so no

response needed I think.

[BRIGADIER2JCS]

Correct don't let them put you off.

 

Brig.

[BRIGADIER2JCS]

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.

[BRIGADIER2JCS]

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.

[BRIGADIER2JCS]

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.

[BRIGADIER2JCS]

So right intend, I see others problems on a daily

basis I try to keep abreast of all the developments

it hurts me to fail on behalf of others but English Civil

Law progresses on a daily basis to so I keep learning

even though struggling sometimes to see reason for

some judgements.

[BRIGADIER2JCS]

I agree CB the agreement in place is paramount,

a court would be reluctant to vary it.

[BRIGADIER2JCS]

Hi CB My belief is support sence and correct ignorance

you do a great job:madgrin:

[BRIGADIER2JCS]

Hi Intend Happy New Year!!!

[BRIGADIER2JCS]

Need any Help just let me know.

 

Brig.

[BRIGADIER2JCS]

Hi Intend, time for the ''I can not confirm or deny

any liability for the alleged debt as none of the information

I have requested to enable me to validate the alleged account

has been provided.

[BRIGADIER2JCS]

Hi Brig - thanks for advise - looks great to me short and to the point - how about ending "will not enter into any further correspondence until such information provided"

 

Intend

OK!!

[BRIGADIER2JCS]

Sorry to hear about your family problems I hpoe the liitle one will be fine.

 

Worry not about Wescots doorstep collectors no authority what so ever if they turn up invite them to leave forthwith.

 

Annoy them send a CCA request again!

[BRIGADIER2JCS]

Correct!!

[BRIGADIER2JCS]

No probs good luck!

[BRIGADIER2JCS]

Hi Intend, Schemeing bunch,

 

To Nelson Guest

 

Ref: as on their letter.

 

Sirs,

 

I am in receipt of your most generous offfer of a discount on the alleged debt for £xxxxx , as you are well aware, presuming your ''client'' has informed you that this matter is in dispute as your client is in default of a lawful request made under section 77/78 of the Consumer Credit Act 1974 to produce a fully compliant copy of the regualted agreement pertaining to this account I am sure you are aware of the limitations this places on their actions.

 

I also notice that correspondence suggests that ''payments'' can be made by credit card encouraging alleged debtors to borrow further to meet the alleged debt, I sure you are aware of the OFTs take on this matter.

 

I cannot therefore acceed to your request to phone you or to agree to make any payment reagarding any alleged debt, for which I make now acknowledgment of liability.

 

RD intend let me know what happens.

[BRIGADIER2JCS]

Your welcome!!!

[BRIGADIER2JCS]

Your right Intended! Ignore.

[BRIGADIER2JCS]

Should read NO acknowledgement of liability.

Picky!!!

[BRIGADIER2JCS]

intend

as bb says, dca's only act on 'instruction' and all they can do in the end is send the matter back to their client with their 'recommendation' which carries no real weight! unless an original creditor then instructs a dca's solicitor (not the dca itself) re legal action (unlikely, unless it is creds own sols as well), then all can be ignored if so wish. ie orig cred is on notice re 'dispute'. orig cred would prob either send out again, or try and sell on.

 

It has to be remembered that many DCAs are in fact the collection arms of large debt purchase companies, so one should exercise care as their recommendation to the parent company will have weight.

[BRIGADIER2JCS]

Hi Intend, can we have a look the ''DN'' please.

[BRIGADIER2JCS]

Hi Brig - will attempt tonight, need to get printer out to send off a SAR for OH. Now we have daughters finances under our control rather than banks/dca, looking to clean up own situation.

 

Cheers

Sounds like good progress my friend!!!

[BRIGADIER2JCS]

That's an odd one not a DN nor is it a notice of intention to place a default imo.

 

I'll ask the team to take a llok.

[BRIGADIER2JCS]

And as for Moorcroft treat them with a much contempt as want. They have no legal right to demand ANYTHING off. it doesn't mattter if they say Our client this and out client that. ** YOU DO NOT HAVE A CONTRACT WITH A DEBT COLLECTION AGENCY** ( unless you decided to enter into one ). You contract is with the bank and they've terminated the contract then there isn't one to be held to

Wrong if a debt has been sold the rights of the account go with giving the debt purchaser/DCA the right to collect the deb as " the new beneficial owner". therefore you do have a contract.

 

 

The debt purchaser may assign the right to a debt collection agency to collect/manage the debt.

 

 

This more FOTL nonsense again and it has no merit.

[BRIGADIER2JCS]

Then the original creditor can assign the collection and management of the debt to a DCA, your argument is flawed,

try it in court !!! You will be laughed at.

 

If not sold on the original creditor has every right to assign a DCA to collect/manage a delinquent account end of story!