Jump to content


  • Tweets

  • Posts

    • 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.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

adding interest to account after it has gone to a dca


golfillini2
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4483 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello All,

 

I have a unsecured loan with Santander that was passed to Moorcroft quite a while back.

 

I have found out recently that Santander is still adding interest to this account. I thought that once my account was passed to a dca then all interest is stopped.

 

Can osmeone enlighten me please

 

Regards

 

Golfillini

Link to post
Share on other sites

no .

 

tell us the story 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... 

Link to post
Share on other sites

It is a unsecured loan that was passed to moorcroft over 2 years ago. I have an informal arrangement with moorcroft and i pay an agreed monthly amount which i have not defaulted on.

 

Yesterday i received a yearly statement from santander which showed they have added a years worth of interest.

 

I was of the understanding interest had stopped being added once moorcroft took over the debt.

 

Can santander still add interst to my account and if so what can i do to stop them doing this.

 

It is very frustrating as the debt is not reducing, so what is the point of paying i might as well go bankrupt

Link to post
Share on other sites

nothing wrong there they are entitled to add interest its a loan

just like everyone else with loan debts has

 

now

.

does this debt show on your CRA and who is the OC 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... 

Link to post
Share on other sites

nothing wrong there they are entitled to add interest its a loan

just like everyone else with loan debts has

 

now

.

does this debt show on your CRA and who is the OC please.

 

dx

 

Dx

 

That's not entirely accurate, if it's a standard Santander agreement and CCA regulated it would have been front loaded interest to term date.... balance can only reduce [subject to judgment].

 

Phil

Link to post
Share on other sites

If Santander are providing annual statement of account I would suggest you refer the matter to them. Moorcroft are clearly not the legal assignee if Santander have retained CCA duty encumbent upon them.

 

Assuming this was a fixed term loan there can be no further application of interest except in the instance of post judgment [and assuming such a condition was drawn into the agreement]. Whilst there may be an implied right within agreement it would require judgment for any lawful future interest application post term.

 

Is the balance stated by Moorcroft rebated in or is it full term balance?

 

Is the statement from Santander showing correct credits transferred by Moorcroft?

 

Phil

Link to post
Share on other sites

Hello PhilMoorcroft sent me a payment book sometime ago, so i presumed they now held the debt.I shall be writng to them to confirm who actually owns the debt.Santander does show all my payments from moorcroft. It shows full balance with the interest added on.No ppiRegardsGolfillini2

Link to post
Share on other sites

Moorcroft will be operating the account for collection only, probably not much point taking them to task.

 

Are you still servicing [partially] within the loan term or has this moved on to default/other interest? ie; does the total balance including credits still fall within the original terms of the loan [principal + interest]?

 

Phil

Link to post
Share on other sites

Probably not, you'd effectively be requesting a rebated balance to discharge over extended terms. Certainly no harm in writing to them and asking though.

 

From what I can gather from your posts, the debt isn't actually increasing. I appreciate it may give the appearance that it is due to the way they are managing the account.

 

How many years of the original loan term left to run?

 

Do you have copy agreement and statements of account to accurately calculate the outstanding balance?

 

I believe it's important for you to calculate how far into the future your 'informal arrangement' will still be active post term. Once you've worked out the details it will give you a better idea of how to approach the bank, and the form/content of written response you want to see from them that will be helpful to you in estopping any possible future application of interest or enforcement.

 

Phil

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...