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    • This is on behalf of my brother in law, a plumber.    He is currently taking his ex employer to tribunal (after they reduced his wages without telling him, and change of contract over hours). As such he left the company and started working privately.   His ex-employer found out that he was using the same plumbers merchants as them and somehow persuaded them to provide them with copies of his invoices (that he has made himself since leaving). We assume they were trying to find evidence that he was 'stealing customers'.  He only found this out after the ex-employees solicitors sent a photo of these invoices to him as part of the bundle! (they took a photograph of the invoices on the plumbing merchants desk (the photo itself also had the date and time on it!)   I am automatically assuming that the plumbers merchant in question is in breach of the data protection act,  I am also assuming, but would like clarity that the ex-employer is also in breach, not sure if the solicitor is also as they were not aware of how it was obtained, although it has since been pointed out to them.  I should also add that I am not 100% sure if the customers details were on the invoice ( as they would have been delivered to their location).   It should also be noted that he also requested a Subject Access Request (in order help track his time sheets for the last year (they were not given duplicates)| and to find out how/ who  authorised the change to his salary).  The Ex-employer stated he was  unable to supply this in the standard time period and also missed the extended three month period, and I believe a complaint was made under GDPR about this, don't think anything was done though).   Any thoughts on this.  
    • Ok my managers know of my asthma. Though never had an asthma attack at work like that. Asthma has got worse - probably had covid a few days before 1st lockdown. No test centres for 40 plus miles at the time.    I have messaged my union rep - also an employee at the store. She is going to put this as a incident and look at any risk assessments done. Plus asked for colleagues that witnessed/helped me during the attack to get their side of the story. As  I was in shock and not fully understanding what was going on.   The refit has been a bit of a shambles imo. No clear plans so literally some rooms needed to be emptied immediately when contractors were told they are there to do the floor, paint the walls etc.  We were told to empty lockers. Then they were taken away with no replacement. Staff not happy with leaving personal stuff in offices. 
    • The country's inability to export its grain has led to food prices rising around the world.View the full article
    • Lots of uncertainties about whether to contact Horizon for an sar or Tesco.    My suggestion to contact Tesco was after finding out if the original PCN was non compliant.  Most of the ones I have checked in the past have been for several different reasons. That means that the liability for the alleged debt cannot be transferred to the keeper.   Once it is confirmed that the PCN is non compliant the OP can write to Tesco as the keeper pointing out that as the keeper he has no responsibility for the debt and has been denied the facility of appealing to POPLA because of the NTK not being received  at all. POPLA may well have cancelled on appeal because of no keeper liability.    In addition  the stoppage in the car park was for less than the consideration period. The keeper could then add if it was true, that the driver was an infrequent patron of this particular car park and the keeper will ensure that a similar occurrence does not happen in the future.   One could point out that if the camera operator had thought that they had not observed any children in the car, from the Court's point of view they would have expected the operator to have attempted to mitigate the situation by explaining to the driver that they should either move the car to avoid a ticket or explain where the children were [ref. Jopson v Homeguard].   Then perhaps it could have  been explained that the wife and children were dropped off at the entrance or the children and their mother were already in the store and the driver was there to collect them.   [They should also have issued a windscreen ticket since they were in the vicinity but of course that would have meant that they would have had to wait several weeks longer to be paid. It is a practice frowned upon but overused by greedy  car parking companies].   The above paragraph obviates the need to  admit parking wrongly and suggesting possible  reasons for parking there without admitting that either scenario actually happened.      
    • Hey everyone I rented some rackspace from a company on a month to month contract but the customer support has been quite poor of late, my services went offline a few times and they advised my servers had gone over the allowed power limit on my account and required an upgrade which I agreed to but I had enough of the reply times taking hours, never any answer on the phones when I needed support I requested to cancel my services on the renewal date, they advise in their terms of service that if there is a open invoice this must be paid before they will allow collection of your hardware and if not paid within a set time the hardware becomes theirs and can be sold off, reused by them ect I have noticed in their terms of service that it does not state at any point the amount of time before the due date the new invoice will be created which I feel should be a important part of any contract on a monthly billing they will pre advise you of the amount of time before the payment is due when they will invoice you   I was also meant to receive IPv6 addresses as part of my package but never had these although I had requested these many times they advised they were not available but are mentioned as part of my overall package on my invoices     They are asking for nearly £700 payment before they will even discuss allowing anyone to collect my hardware (worth about £5000 in total) and if I do not pay this within a set time they will take ownership of all my servers and use or sell them   Thanks   Update I had advised them I will be hiring a man and van service to collect my hardware, they have suddenly advised that I cannot do this and must use a certain type of company who specialist in server transport. I do not feel this is fair as it is my hardware, fully owned and paid for my me but start trying to set out new rules that have never been made aware of until today after making my request to cancel.  
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Moorcroft at the door!


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It’s been a while and I have reregistered under a differentname because my first was too close to my real name and it was used in court by LTSB.

 

Yes as the title says. Moorcroft have made a doorstep visit,my wife answered the door and said that I was not in, he handed her a card in a sealed envelope to give to me. She said he was very polite and was not pushy or aggressive in any way.

 

mc003.jpg

 

 

Is this a new tactics being used as I still keep reading that they do not do door step?

 

 

In Feb 2008 I requested a CCA and SAR from all my creditors, the only items the company supplied was records of payment. In May 2008 I stopped paying. AIC who was collecting on behalf of the lender quickly passed it back to them. Every 3 or 4 months I have received a request from various DCA’sand have ignored them.

 

 

 

I intend to ignore this but it rattled my wife somewhat so Ithought I’d check it out.

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I keep reading that they don't doorstep too, and wonder why people think that as they certainly do. Not as often as they threaten, but I have had them call before as well.

 

Just write and tell them that you do not conduct business at the doorstep, only in writing and that you withdraw any implied permission for them to visit your home.

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Did you inform them that the account is disputed due to their failure to comply with the CCA request?

 

Did you send them a letter before action regarding their failure to comply with the SAR in the time limit laid down (40 days)?

 

Did you lodge a formal complaint to the ICO about their failure to comply with your legal request of the SAR?

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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Bazooka Bill

 

1, yes

2. yes

3. They complied with the SAR but with no CCA compliance

 

As I said I was going to ignor it but my wife as got abit jittery, It's been a few years since the up evil and things had settled down. I learnt alot in a short period of time and one of the major learning points is: if and where posible never comunicate with them because a judge may decide you've agree'd to anything and everything. (balance of probability)! I will however conceed that on this occation sidewinder is correct but I do need to word it properly and to make sure it cannot be doctored ala LTSB & ****.

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There is no obligation to supply the agreement

with the SAR as there is provision for this in CCA 1974.

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Which is why I put them separately because they were aplied for separately. I should expect this every now and again, I took 56k down to 18K but LTSB took me for a further 8K making 24k in total. It is now about 19K. The only way I lost the 8k was that the judge accepted the documents were false but said and I quote because i'll never forget his words "on the balance of probability this is what the document would have looked like"

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That is going to happen more and more

the only solution is in future KEEP all

documents from credit agreements

you sign for at very least 6 years.

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

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it is more than 6 years I suggest 6 years after completion. How do you think I knew and was able to prove it (without showing I had a copy of the original) was a made up, in my case T&C. But you can never account for the judge. I had them bang to rights on (off the top of my head) 62, 64 & 65, even the opposing sol tried to state the law in my favour because as she said she was covering the posibility of an appeal but the judge told her to shut up and know her place (not quite as blunt as that but near enough). Why no appeal - like always hadn't got the money. But enough of this because it is opening old feelings of hatred towards self opinionated common law judges.

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Not having all the facts it would have

been difficult to arrive at the decisions you have reached.

District Judges Civil I have found are not in general

self opinionated, but work to the principles of English

CIVIL LAW and the balance of probabilities and fairness,

there are no''common Law Judges'' .

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

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Moorcroft's street collectors are all self-employed. They seem to be barely trained and have to fund their own phone and travel costs. Many of them appear to be elderly. In my view they are exploited - they take all the risks and if they don't collect they don't get paid. It's just another unsavoury aspect of the grubby debt industry.

 

I have only ever heard of one of these collectors being other than polite and disappearing when asked; the exception breached data protection and OFT Guidance to a huge degree. One formal complaint, and he disappeared off the radar - as far as Moorcroft are concerned these people are disposable.

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A 'do not darken my doorstep again' letter send to [email protected] recorded and keep another printed near the front door :)

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BB 13 - DCAs/banks and solicitors 0.

 

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Eighty quid a week and pay your own exes,

no wonder is muppetry incarnate:madgrin:

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Moorcroft Debt Recovery - Home Collections Division

 

We currently have over 1.5 million live accounts (many of which are worthless) on our system at any one time, our combined total of head office and nationwide field force means we have access to over eighteen hundred people slaveing away on our behalf.

The Home Collections division plays a very important part in the success of Moorcroft and our clients when they are not in a meeting with the OFT. It is our self opinionated and arrogant agents aim to establish what is an affordable repayment plan not the customers within a local area to themselves.

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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Eighty quid a week and pay your own exes,

 

As they say, pay peanuts, you get monkeys!

That is evidence to any new CAGger that these DCA's work on commission, which is why, speaking to the phone drones over the phone is about as much use as mudguards on a tortoise.

Even the smallest payment you make after being threatened and intimidated by them and led to believe that a van is just down the road with six bailiffs in ready to take all of your worldly possessions, is their only way of scraping enough money together to buy their next bottle of clearasil..

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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