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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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Moorcroft Doorstep Collector just been at my door!


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I have just had Moorcroft at my door regarding an alleged debt my partner has with 02. Its his third time of calling and he said he had made an appointment. I said I hadnt and neither had my partner and he said they dont make appointments !? I told him he was trespassing as he was on my property (sorry hello all by the way!) and he said he wasnt but I said you are on my driveway which is within my boundary so you are trespassing. I asked him to leave or I would call the Police and he said that the debt was for my partner and showed me a notice of assignment (although I dont really know what one looks like), so I said if he didnt leave I would call the police as I felt he was harassing us. He is now sat in his car at the end of the drive!

 

Did I do the right thing? And can anyone please advise what I need to do next?

 

Many thanks

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OOh yes, hello guests!

 

Ring the Police 999 and report a stranger sat in his car watching your property.....DO IT NOW!

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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Hi

Go outside and get his name and tell him any further visits will constitute a 'course of conduct' under the Harassment Act!

If he has not made an appt he has lied to you!!

 

Cups

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Either film him or take his photograph, but ring the Police 999 and get them out if he is still sat in his car watching 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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quite correct

not a 999 issue.......

 

yep get you old big video camera out or a flash camera

 

please remember they have no powers whatsover and any money pay goes into his pocket.

 

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 not ring the Police on 999 unless you fear for your immediate safety!!

 

Completely disagree, some one sat outside in your car watching your property....in my experience merits a 999 call, especially if you are a lone female, or a vulnerable person, the operator will then give the call it's own classification for response.

 

However, if this is the third time you have had a doorstep challenge (was that Daz?) then they need to be told in writing not to darken your doorstep again. http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

 

If you do receive a doorstep visit we give these suggestions to Members.

 

Give them the template letter linked below through the letterbox or chained door.

 

http://www.consumeractiongroup.co.uk...DOORSTEP-VISIT

 

Tell them to leave as you have nothing to discuss and all communication must be in writing.

 

Tell them you will call the police if they don't leave immediately.

 

Remain calm and polite at all times.

 

Walk away from the door so the visitor cannot try and talk to you.

 

If they don't leave, call the police to report that you are being harassed and the visitor refuses to leave.

 

I would go even further and say that you beleive they will cause a breach of the peace.

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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Different forces define when to call 999 in slightly different ways.

 

You don't call 999 if you have time to go and sit down at your PC posting on the internet.

 

Every Police service has a non emergency number anyway.

 

 

edit to add - if the Op REALLY felt threatened in any way then they should call the coppers by all means.

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if your a lone female or a vulnerable adult you have every right to call 999,,,, simples, if however you are of the likes of say myself ex-military ignore the hippy culture I can still handle myself at 52 am still bench pressing 260 lbs without a problem then correct, go for the non-emergency. Again though if said callers gets aggressive then I would suggest a 999 because I had the unfortunate miss-fortune to be arrested after intervening when some poor youth was being beaten up by a group of yobs... Hippy had to use the right hook on one and whow 8 hours in the cells..... Nothing came of it I got an apology from police,, ( only doing there job ) low-life made complaint to plod.... though Judge did give me a nice pat on the back in court.... yob had convictions stretching back for years and always vulnerable people, old ladies etc... Great Judge gave the toe-rag four years... So yes I have learnt my lesson now... unless I fear for my or anybodies safety call the plod..... because in this country the good guys get the rough end...

[sIGPIC][/sIGPIC]Happyhippy1959

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I have just had Moorcroft at my door regarding an alleged debt my partner has with 02. Its his third time of calling and he said he had made an appointment. I said I hadnt and neither had my partner and he said they dont make appointments !? I told him he was trespassing as he was on my property (sorry hello all by the way!) and he said he wasnt but I said you are on my driveway which is within my boundary so you are trespassing. I asked him to leave or I would call the Police and he said that the debt was for my partner and showed me a notice of assignment (although I dont really know what one looks like), so I said if he didnt leave I would call the police as I felt he was harassing us. He is now sat in his car at the end of the drive!

 

Did I do the right thing? And can anyone please advise what I need to do next?

 

Many thanks

 

Nice one koodai

 

Just a thought re my highlight in your post

 

Discussing the debt and showing documentation to an unauthorised third party could be taken as a breach of the DPA, even though minor

 

Regards

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Nice one koodai

 

Just a thought re my highlight in your post

 

Discussing the debt and showing documentation to an unauthorised third party could be taken as a breach of the DPA, even though minor

 

Regards

 

R

 

Also could be technically in breach of the OFT debt collection guideliness. 2.6 Physical/psycological harassment parts I & J

 

i. disclosing or threatening to disclose debt details to third parties unless

legally entitled to do so

j. acting in a way likely to be publicly embarrassing to the debtor either

deliberately or through lack of care, for example, by not putting

correspondence in a sealed envelope and putting it through a letterbox,

thereby running the risk that it could be read by third parties.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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