Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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

Santander/Moorcroft


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3901 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

I sent my SAR to santander, which was signed for on 11 September 2012.

 

We are now well past the 40 days allowed and I have received absolutely nothing from them at all, so what would be my next step?

 

I can't find out whether or not the postal order I sent for the £10 has been cashed (I had it made payable to santander),

and the woman at my local post office said that there was no way of finding out - which, judging by looking on the internet, is true!

 

When you purchased the postal order you would have been given a receipt. On that receipt is an ID reference and a telephone number.

 

Just telephone the post office and ask if the PO has been cashed and on what date ? If they confirm it was cashed ask them to confirm it in writing for you. They are usually pretty good.

 

I think the number will be... 08457 22 3344 (option 5)

 

Did you send your letter recorded/special delivery ? Check that it was received by using the Royal Mail Website.

 

You can amend your non compliance letter to say that you will be contacting the Information Commissioner. Whatever you do, dont imply that you will take court action if you have no intention of following it through, for whatever reason.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • Replies 179
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 1 month later...

I have, at long last, found some time to put together a letter to santa.. regarding their non-compliance. Could someone give this the once over and let me know if it's ok.

 

Dear useless peeps at santa

I am writing further to my letter of 7 September 2012 regarding a SAR for the above account and also enclosing a £10 postal order in payment of the SAR. You had 40 days inwhich to respond to my request.

 

You have now had well beyond the 40 days allowed but you have failed to even acknowledge my request, let alone provide the required information.

 

I am now giving you seven days from the date of this letter to provide the SAR. Failure to do so will, in the first instance, result in me notifying the OFT of your failure. If , for whatever reason, you consider that you are unable to comply with my request, please notify me in writing of your reason/s in order that I can also forward this to the OFT. As I am sure you are aware, it is a legal requirement for you to provide a SAR within 40 days when requested.

 

yours

 

Mrs B

 

 

I am not sure about the legal requirement bit at the bottom! I want to keep it simple and I'm not in a position to threaten any legal action as I just don't have the money to follow it through, but I hope this letter is, at least, to the point.

Link to post
Share on other sites

  • 3 weeks later...

Ok, so I have still not received any response.

 

It is now two weeks since I sent them the second letter.

 

What is the next step?

 

I cannot believe that an organisation as large as Santander can't even acknowledge receipt of a letter, let alone respond to what you have asked for.

 

Could it be that they think they don't have to respond because they have passed the debt over to someone else to be dealt with?

 

From the little info I have, it doesn't look like the debt has been sold on to Moorcroft, just passed to them to be dealt with.

 

As I haven't received the SAR as requested from Santander,

 

can I put the debt in dispute?

 

Obviously, without the SAR I can't begin to know whether or not any charges etc have been added and, therefore, whether the amount they are claiming is owed is correct.

 

Sorry for all the questions, but every time I think I've got it clear a load more questions pop into my head :oops:

Link to post
Share on other sites

Did you send your letter by a tracked method and has it been signed for.

 

Did you sent the following letter to Moorcroft?

 

[ATTACH]41168[/ATTACH]

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

ICO

 

moorcroft dont buy debts so its satans banks problem

 

SAR's ALWAYS goto the OC anyhow.

 

you sadly cannot put the account into dispute on a failed sar request.

 

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

Yes, everything has been sent to Santander by a trackable method. I have sent all letter by first class recorded delivery.

 

So far I have not made any contact with Moorcroft.

 

They have only sent one letter so far which claimed that as we had not made any effort to make any repayments to them,

which would have been difficult as that was the first letter they had ever sent!

 

I do not want to contact them, certainly not at the moment anyway for several reasons, not least of which I do not want them getting my new address.

 

Mr B has very carefully hidden himself away and left me to deal with so much over the past few years,

and I do not want them latching on to the fact that they have my address and start to bombard me with all sorts.

I have to live with an elderly relative who would not cope with strangers knocking on the door or phoning up should they choose to go down that route.

 

When I spoke to Santander on the phone last year they were less than helpful.

 

I got a woman who was very abrupt and wouldn't discuss the account with me.

She just said that it had been passed to Moorcroft and I would have to deal with them.

 

I then received a statement from Santander that included details of what happens if they sell the debt to someone else.

 

Reading this, I would definately believe that the debt has not been sold.

I only receive statements from Santander, not from Moorcroft, and the santander information states

'You will continue to receive a statement at least once a year and as long as there is a balance owing to us.

In the event that your account is sold to a third part company, we will also send you a statement at the time and future statements will be sent by the puchaser'.

I have never received any statements from Moorcroft regarding this account.

 

The statement for the account does not state 'Transfer to Debt Purchaser',

it simply gives an amount of an opening balance and a net balance.

Nowhere does it state that the account has been transferred to anyone else.

 

Also, I have never had a letter of assignment, only a letter received from midas credit services a few days after I rang Santander,

which states that we had failed to reach a repayment agreement with Moorcroft (they are, apparantly, part of the same group).

 

As I have never received anything previously, we couldn't possibly have come to any repayment arrangements even if we had wanted to,

so as far as I am concerned this is the first and only contact we have had from Moorcroft/associates of.

 

The letter said:

 

Dear Mr B (although it was addressed to both of us) Ref:

 

Re: Santander (UK) PLC Balance: £100000000000.

 

 

Litigation Warning

 

We are part of the moorcroft group and are aware that you have failed to reach a repayment agreement with Moorcroft Debt Recovery ltd concerning the about account.

We are now reviewing your account and may in due course recommend to our clients that they consider instructing their solicitors to commence legal proceedings against you.

 

To prevent this course of action you must contact moorcroft debt recovery ltd at the following address:

 

Morcrodt debt recovery ltd

po box 17

etc

etc

 

telephone: 0161 475 2805

fax: 0000

 

Failure to contact Moorcroft debt recover by xxxxx may result in the issue of legal proceedings without further notice.

 

please quote the above reference on all correspondence.

 

Mr M Dobson.

 

The sentence 'may in due course recommend to our clients that they consider instructing their solicitors to commence legal proceedings against you',

leads me to believe that they debt does NOT belong to them, they are just handling it on behalf of Santander.

 

I am quite tempted to send a cheque for the amount to Santander, seeing whether or not they cash it.

However, judging by their inability to even provide a SAR, I don't really want a cheque for a thousand pounds to be floating around,

and me never knowing whether or not it is going to be cashed,

or worse still the cheque being cashed but still being pursued for the debt by Moorcroft!

 

Presumably if I did do this, and they cashed the cheque, I could still continue to ask for the SAR and still claim back anything I think they owe?

 

Sorry if I seem to be going off on a tangent, but I am quite stessed out at the moment

and this is just another piece of poo for me to have to deal with!

 

I am grateful for all replies/suggestions etc.

 

Am assuming that my next step though is actually to make the formal complaint about Santander to the ICO?

Link to post
Share on other sites

Hello guests. Do you all work for Santander and moorcroft? If so, perhaps you would get your facts straight when communicating with me. Or in Santanders case, not communicating with me :lol:

 

 

DX, thank you for your reply, it crossed with my posting. It would appear that I was correct then in supposing that moorcroft does not own the debt. Interesting, because the woman I spoke to at Santander led me to believe that they would have nothing further to do with me and that I could only now deal with moorcroft.

Link to post
Share on other sites

ignore them

 

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

I have now received, much to my amazement, a reply from santander. It is a letter along with eleven pages of statements, each page with only 1 or 2 things listed on it.

 

The letter reads thus:

 

Dear Mrs Blackadder,

 

You have asked for copies of your bank statements, which we assume is to enable you to reconcile your bank charges.

 

Please find enclosed statements for the above numbered account from the earliest date held on our system (18 July 2006) to closure. Please note that there are no statements from 6 november 2006 to 24 april 2008 as there was no movement on the account.

 

Please call us if you have any questions.

 

Yours.

 

jane somers

business manager.

 

 

The statements sent cover July 2006 to December 2006 and consist almost without exception of charges (although they are wrong to assume that I contacted them to reconcile my bank charges, I want to find out if the debt is statute barred). I can only see one transaction that appears to be a credit and that is from August 2006. However, if I am correct from reading the information they have sent, it would appear that the last transaction of any kind took place was on the 6 November 2006 when they debited the account. If this is the case, I am assuming that the debt is now statute barred.

 

What I can't figure out though is why they haven't sent anything from april 2008 onwards. The only thing that I have is a 'mini-statement' that says in April 2008 the account was transferred to a 'flexiplan plus'. Then there is nothing further until November 2010 when there is a large debit for a 'daily unarranged overdraft fee'. The final thing on the mini statements is from December 2011 when 'account closed contact collections and recoveries'. There is nothing to say that there was any money paid in or taken out between april 2008 and closure.

 

The date of December 2006 is certainly accurate for when we were having financial problems and Mr B would have stopped using it. What I don't understand is the 2008 thing, as I doubt very much Mr B would have contacted them to arrange to change the account (he kept well away from anyone he owed money to so as not to rock any boats). It would appear though, that Santander do not have any statements for this time or they would have sent them.

 

At the moment I am probably more confused than before!! My major concern at the moment is not reconciling any bank charges, it is finding out whether or not this account is, indeed, statute barred.

Edited by Mrs E Blackadder
spelling
Link to post
Share on other sites

SB date will be from any transaction by YOU OR MR

not any automated bank stuff.

 

so prob is SB'd

 

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

Would you like a draft to suit the situation, can do when I get home later today.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hello Mrs.B. Stat Barred letter.

 

The Compliance Manager

Moorcroft.

 

Ref: as on their letters.

 

Sir/Madam,

 

I refer to recent and on going correspondence regarding a debt for £ xxxx which you allege is owed by me relating to an account with Santander, please take note I do not acknowledge any debt to Moorcroft or any company it may claim to represent.

 

I have been prompted thanks to the continued correspondence to review my credit history and have concluded that this matter is now statute barred, therefore I will not now or at any time in the future make any payment or offer of payment in relation to the alleged debt.

 

Should Moorcroft consider disputing the status of the alleged debt I remind Moorcroft that the onus of providing unequivocal proof that the matter is not statute barred lies entirely on Moorcroft.

 

I am fully aware of the OFT Guidance on Debt Collection 2003/2012 and the sections regarding the pursuit of statute barred debt.

 

You will now cease to process all data relating to me and remove it from your records, you will confirm in writting compliance with these instructions.

 

This is my final response.

  • Confused 1

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thank you Brig, that is a great help. I am just wondering about the second paragraph; would it be better to put in a sentence about receiving information from Santander, or is it better not to mention it and keep it as it is?

 

Personally I would leave it out Mrs.B.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Okey dokey, it certainly reads fine to me as it is. No doubt they will try to argue the toss in some way or other!

 

Thank you again, Brig. Very much appreciated :-)

No problem, let em argue!!

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...