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    • As a rough guess it would be your landlord who would be responsible. But you need to understand the extent of your losses before you can begin any claim. This means that you need to list out any expenses to which you have been put, any expenses which would be associated with repairing damage or cleaning et cetera. And then list out the inconvenience to which you have been put as a result of this. Any actual expenses – money loss which has been incurred already all that is likely to be incurred in result of repairs will need an inspection and to quotations which eventually you will present to the landlord. Even if I'm wrong and it is not the landlord – you will still need the evidence that I have listed above in order to begin any claim.  
    • Hi, I have been renting a three bedroom, top floor flat for six years now in England. Just so you know, there is a letting agent, landlord and a block management company involved. Eighteen months ago we had a considerable leak in one of the bedrooms, affecting the next door bedroom as well but not as badly. This led to a lot of damage to the ceiling and the formation of mould within the first bedroom and to a lesser extent in the second bedroom. As far as we are aware, the leak has only recently been sorted by the block management company(who owns the roof etc…) Just over three weeks ago, a large inspection hole was cut into the ceiling, the workmen (instructed to come by block management) who undertook the work did not put any dust sheets down over any of the furniture, causing an incredible amount of dirt and debris throughout the entire flat, rendering the room unusable. We were left on a Friday afternoon with a gaping hole and no instruction as to what was going to happen next. Only after contacting our letting agent to inform them about the state of the bedroom had been left in, with a gaping hole and bits of debris falling, did they come to do a temporary fix to cover the hole which was after a week. As the bedroom is still unusable. My daughter has for more than three weeks been sleeping in the lounge. The letting agent did offer to get the place cleaned, but we see no point until the job has been completed. My landlord has reduced my rent by £200 for the past couple of months and is now wanting full rent regardless of the work being incomplete. A plan has been put in place, however, we have not been given a timeline for when these will be completed and this could take some considerable time. In addition to this, there was a leak in the kitchen but this was very minor, and we have a major condensation issue in the bathroom as the extractor fan is apparently not strong enough so the ceiling is covered in mould which is now being revealed as the paint is flaking off. The problem we have is that the building (roof etc..) is managed by a block management company. My letting agent has basically said that the damage is the responsibility of the block management and this nothing to do with the landlord, and therefore, does not want to give us any compensation. What are my rights as a tenant in this situation? Am I entitled to a continued rent reduction or additional compensation given the ongoing uninhabitable condition of the bedroom and the disruption this has caused? I have attached photos as supporting evidence and would be very grateful for your advice. https://imgur.com/a/yfm4FP9 Should you require any further information, please let me know. Thanks in advance! 😁👍
    • I have just read it again and I see that you say that you are going to be claiming for time and stress. This is not recoverable loss so I think that you should leave it out.  
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Moorcroft debt annoyance


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First off I like to apologise I'm writing this from my iPhone as my pc is not working.

 

I had 2 debts with these people one I managed to pay off as the door step agent started to harrass my dad as I wasn't home in time to pay him. Now I have another one which I know I owe, he came to my house and we agreed he would come every Saturday at 11 for £15pw I signed the agreement saying that then he went.

 

The following Saturday he never turned up phoned his office and left my number and they said they would pass on the message 3 weeks later still nothing so I left another message. Finally yesterday (Friday 15th) he came spoke to my dad to say he doesn't work my area oftern and can only come at 8am Saturday my dad said he should be in to which I was but in bed.

 

He posted a card to say I've been but no answer at 8PM AS WE AGREED which I never agreed. The point I'm making is I feel he's harrasing my dad who's 71 alto he is very active for his age who has nothing to do with it and now 3 weeks later he turns up for money. Any advice would be greatly appreciated.

 

Ben.

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sorry but why are you even entertaining him?

 

doorsteppers have NO LEGAL POWERS WHATSOEVER

they are NOT bailiffs

 

tell us the history ofthe debt

 

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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knowing ruddy moorcrap

 

its prob statute barred and i bet the paid one was too

 

they found a cash cow so are hitting you with any old debt they can drum up

 

disgusting

 

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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Any advice would be greatly appreciated.

 

Ben.

Are you serious? Here is my advice; If he returns, take your iphone and shove it down his throat! Alternatively give the idiot 5 SECONDS to get of your property. If you don't they will view you from now on as a mug willing to pay anyone on demand.

 

 

 

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thats for the reply guys, i take it you don't like these people lol. don't get me wrong i know how to deal with him but the problem im having is he's coming to my house pestering my dad when i'm not around which i don't agree with. if he turns up again what shall i say. he's also left his number to.

 

sorry for the dumb question but i never had this happen before, and the debt was originally with Lloyds

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that advise has already been given

 

write/ phone /text and tell him his right to attend the property has been removed

if found again on the property the police will be called

 

tell us about the org debt please

 

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 hate that rat faced little man from moorcroft. You might have a different rat faced little man, but there all the same. I have a video camera next to my front door, it

 

doesnt work but he doesnt know that. He quickly turns on his heels. I know you can write to stop them coming. Check out the letter templates on here. Please dont

 

think Im making light of your situation, believe me I know how embarrassing it is. Also dx you have to admit it is entaining when you get chance to embarrass them. :lol:

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so either write to morecrap and arrange a payment by standing order, or contact lloyds and do the same, in any case stop paying the doorstepper and you stop him getting commision

 

Believe me I've tried. Morecrap will only take the pmt in full and lloyds want nothing more to do with the debt

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Moorcroft do what you tell them, not the other way round.

YOU tell them what they are getting and how they are getting it, if they don't like it tough, they get nothing

 

The are just another bunch of parasites with no legal powers fleecing you with their delusions of grandeur

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Print out this letter

 

 

Door step

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

Send one to the company and keep a copy by the door to show anyone who turns up!

 

Write to Moorcrap and tell them what you are prepared to pay and how but DO NOT PAY ANYTHING TILL YOU GET MORE INFO. Ask them for a complete breakdown of everything first and check this out - what you owe, any charges etc and challenge it. Tell them you are reporting them to Consumer Direct and do this! They are not allowed to harass you or your family and they know this

 

Trading Standards via http://www.consumerdirect.gov.uk/contact

 

Are they collecting on behalf of Lloyds/TSB if so they are responsible for the actions of their agent so you need a letter of complaint? Quote this at them from OFT Guide lines

 

 

Creditor responsibility for third parties

 

1.9 If consumer credit licence holders choose to do business or continue to do business with third parties engaged in questionable fitness behaviour, then their own fitness will be called into question. Our aim is to ensure that creditors do not ignore the unfair practices of debt collectors, whether in-house or external, acting on their behalf. It is not for the OFT to specify in this guidance how choices about third party selection are made nor to advise on desired conduct between third parties. However, during any investigation in this respect, we would expect to see

 

that care had been taken in the selection process, complaints had been investigated and that firm action had been taken as appropriate. It would be unlikely that we would take action against a creditor who could demonstrate such action had been taken.

 

 

In fact have a look at the OFT Guidelines and how many of these are being broken

 

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

Please support CAG and they will support you.

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if mostly charges then pay them nothing

 

they will never go near court with it

 

thats why lloyds have sold it on

 

ignore

 

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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Sorry for late reply been really busy. He came again on a day and time we didn't agree and started harassing him again saying he can't do 11 on Saturday as he has other commitments even tho I signed something to say he'll be collecting my money then. He said he'll come tomorrow at 5:30pm according to my dad. Think I should tell him to sod off

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yep

 

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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Do as the others have suggested. Tell him to go away in short jerky movements and that you no longer want him visiting the house again. If he does, you will call the policeas he is trespassing.

Send the letter, and do NOT entertaint his pondlife again

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I'm not really entertaining him. I haven't seen or said a word to him in about 5 weeks. It's my dads house and he's telling him stuff about my debt which I'm not happy about to be honest. I'm just never there to put a stop to it. He left a number I called (witheld my number) but it's a dead line lol. Think he's digging his own grave

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Well next time he calls and asks for you, all your dad has to say is " not in" and slam the door in his face.

If he doesn't leave and persists in knocking, ring the Police.

 

Then report him to Moorcrap for breaching the data protection act.

 

He knows your not going to be there when he calls, thats why he does it, to intimidate your dad, probably hoping he can get a few quid out of him as well.

 

Just get rid of him next time he comes and tell him not to bother coming back, there's nothing for you here.

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