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    • Appreciate the time that has gone into replying. I have read so much about this tonight that hopefully I can be a step ahead.  If I gain a reply from the head office I shall let you guys know. 
    • yep. they are all simply trading names of perch to try and scam people into thinking their debt is going up some kind to mystical legal chain...which is BS. all dca's pull these stunts and have done since the late 1970's
    • just type no need to hit quote. what you really need to do is forget about it now they have  just steer clear of THAT ONE STORE for a few months. other B&Q's are OK. even if you do go back in, they'll simple ask you to leave, then if you return again, could invoke trespass laws BUT WE HAVE NEVER SEEN IT HERE. as for getting out of your tree about police, prison, criminal record, arrested, knocks at doors, letter of claim....NONE OF THE CAN EVER HAPPEN. and has not on these joe public low level shoplifting incidence since 2012. you've already got a scary letter ratchetting on about some mystical FAKE civil restoration scheme .  you'll probably get a few more ...NOTHING THEY CAN EVER DO. bin shred burn give to your pet hamster any money people pay CRS/RLP/DEF etc regarding their letters goes straight into their pocket and off they go down the pub and LAUGH at people they mugged. the retailer never sees a penny.  i admire your action of send £5 to B&Q. its done now and its over with....move on with your live. dx
    • 4.  Under The Pre-Action Protocol 201?, a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior too and including ,The Pre action Protocol Letter of Claim dated 7 January 2020 and the claimform dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 9.   The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2nd February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None were received by the court nor the defendant by that date. re: 13 & 15...they dont need to produce the deed, thats a private b2b document only the judge can demand sight of. i would remove 13 totally as within their WS they have produced the Notice Of Assignment. and delete it from 15 a few ideas. dx  
    • Underp04 (I think it was him) put up the statement IDR used in court from some supposed expert mr edge. can you find it? It stated 10 years was the statute barred limit but also that the laws were very confusing. very much worth digging out!
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Moorcroft


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And as you are unemployed again, if they came up with an agreement, offer them a token payment. If they took you to court the judge would make them accept it and would be unlikely to award judgement in their favour

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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this one is actually a loan.. .originally £6k taken out in sept 2007 (I think)... was made redundant early 2009 but was still paying until around aug of 2009 (so paid fully for 2 years) using redundancy money and family help occasionally... got a new job aug 09 (on 3rd of salary that I was originally on) and arranged payment plan with CAB office for all my debts... paid this plan ever since but after an accident at work and moving house am now unemployed again so can't afford this payment any more.

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And as you are unemployed again, if they came up with an agreement, offer them a token payment. If they took you to court the judge would make them accept it and would be unlikely to award judgement in their favour

 

ok thanks for your help :)

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ahhh - have similar thread with LTSB and Moorcroft - waiting for CCA reply coverng CC (still with LTSB) and loan (with MCrap). Hang in and don't worry. Just follow dice given. Will post anything tht might help you

 

Intend

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ahhh - have similar thread with LTSB and Moorcroft - waiting for CCA reply coverng CC (still with LTSB) and loan (with MCrap). Hang in and don't worry. Just follow dice given. Will post anything tht might help you

 

Intend

 

thanks.. and good luck with yours :)

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one more thing... I sent the letter on the 13th... would that make feb 2nd the final day for them to respond by (12 +2 working days?)

 

Yes I think thats right. Don't worry about them, even if they come up with it, there is sod all they can do if you have no job and offer them a token payment

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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  • 2 months later...

Hi i have a debt with moorcroft of £78.89 fromThree company there aint any proof of this so i have sent them a letter requesting a CCA from them. And asking them for a copy of there complaints procedure. Before the letter from moorcroft i received letter from another debt agency asking me for £50 so moorcroft has put the Interest up. Just wondering if they by law are aloud to put the interest up?. Also the phone calls have been non stop told them stop calling me and the lady has took my number off the system that was on the 10th call. x

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