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    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the fine dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, so I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant   1 Date of the infringement 24th May 2024   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024   3 Date received 5th June 2024   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N   5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land.   6 Have you appealed? [Y/N?] post up your appeal] N   7 Who is the parking company? MET   8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE   For either option, does it say which appeals body they operate under. POPLA Anyway, I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
    • While we wait for someone to explain how farage is any better than sunak  .. if not worse   One of many likely upcoming belly laughs   Reform chairman Richard Tice has accused the Tories of (reform like) “dirty tricks” after one of his party’s candidates withdrew his papers to stand at the last minute and endorsed former cabinet minister Sir Gavin Williamson. In a dramatic final 24 hours before nominations closed there had been fevered speculation that as many as six Tory MPs and other candidates could defect to Reform after Nigel Farage decided to stand in Clacton and become leader. But instead no Tories switched and Tom Wellings, the Reform candidate for the new seat of Stone, Great Wryly and Penkridge in Staffordshire, quit and put out a statement endorsing Sir Gavin.   Who does he think he is an Anderson, a Carswell !!! was heard at the reform HQ pub ... as Candidate brushed aside by Farage in clacton to run as an independent    Tice accuses Tories of ‘dirty tricks’ to persuade Reform candidates to stand down WWW.INDEPENDENT.CO.UK Exclusive: A furious row has broken out after a Reform candidate’s last minute defection to the Tories   :ROFL  
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Thames water-Moorcroft debt collector-Asking lodger to pay debt


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didn't see any butt kickin.....just caggers giving their opinions and advice, and the OP having the option to do as they please with it. but then maybe I am thick skinned....don't take offence easily and just welcome all comments and take the good ones and iggy the ones I don't agree with........its simple really.

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I don’t understand – why the ‘prove it’ letter? You know what the debt is actually about and whose responsibility it is, so why beat about the bush? It situations like this, relying on standard templates is lazy and pointless – and disingenuous, as you most certainly do know what it’s about.

 

Deal with the idiots head on!

 

You need something a bit more direct, that states clearly the debt has nothing to do with you, that it was the landlord’s responsibility, and that you are reporting them to the OFT fand ICO or breaches of debt collection guidelines and data protection breaches. Reiterate that they are already fully aware that you are not the debtor, and it was not and is not your responsibility to deal with the landlord about this. State that any further contact with you will be considered criminal harassment, and you will contact the police.

 

Okay - I have no background on dealing in such situations and hence had a happiest time of the day when I got the link to the "Prove it" letter and fellow members asked me to us it as the first correspondence. I am confident in sending it as a standard template would have prevented my newbie wordings to be passed on to Moorcrap or TW hence minimizing the chance of them coming back !

 

But I somewhat agree that it *might* (no offence to ncm-000 or others) be a better idea to mold the letter a bit tailored to my situation?

 

I don't use templates - I prefer really stinking letters! - but bowcreek is new and I know that some new members prefer to work with templates. The templates given on the forum are always accurate in what they say.

 

Thanks and agree with you Desperate Daniella. I would have preferred to use the Prove it letter. But I can attempt to write down a tailored version of the prove it letter by stealing the lines from various posts mentioning various "laws" and doing a bit of bodyshop work on the letter.

 

Can post it here before I send it over for experienced members to review.

 

Would that work for you guys . Hoping that I am not being a pain !!

 

Glad to be part of this forum at right time....

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An email is a document and even with an automated reply its proof they received it, but if you prefer paper trail then any letter IMO is best sent recorded so you can know when they received it etc. I would write to TW directly and ignore the moorcrappers as I cant abide DCA's, also TW should advise them of any query, especially as your not the homeowner and have paperwork to prove its not even your debt.

 

Thanks Ruby_Tuesday for quick turn around..

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But I somewhat agree that it *might* (no offence to ncm-000 or others).

 

None taken, you are new here so I offered the simplest route, does not mean it is the most appropriate.

 

I would have preferred to use the Prove it letter. But I can attempt to write down a tailored version of the prove it letter by stealing the lines from various posts mentioning various "laws" and doing a bit of bodyshop work on the letter..

 

Bespoke letters are always better than templates, but hard to write and many do not feel confident in doing so.

 

Can post it here before I send it over for experienced members to review.

 

Standard practice, I am sure one of the 'Big Guns' will be more than pleased to assist you with the letter.

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Never a pain – all the input so far from everyone has been more than useful, and it’s all going in the right direction.

 

The Prove It letter would have certainly worked long term, no doubt, but as you are the innocent party here, you can make your case in such a way that if they persist in harassing you, you can go for the jugular.

 

CAG’s a community, everyone’s always learning, and not everyone is on here 24 hours a day.

 

Yes, post up your letter. Sure it will be great. Don’t hold back! State the facts and produce a timeline of events that leaves them in no doubt that you know what you are talking about. That’s the real power.

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None taken, you are new here so I offered the simplest route, does not mean it is the most appropriate.

 

 

 

Bespoke letters are always better than templates, but hard to write and many do not feel confident in doing so.

 

 

 

Standard practice, I am sure one of the 'Big Guns' will be more than pleased to assist you with the letter.

Happy to help with a letter if needed,!!

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:

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Thanks Brigadier - Did you mean you can draft a letter ?

 

Yes certainly! Just add any more details that might help here and I will draft a letter for you.

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:

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Okay - Please don't beat me with a stick and excuse me for my ignorance..! While writing a response to Bregadier to provide more details for writing the letter, I took out the letter from my file which I got from (PLEASE NOTE) - "CWC - Debt recovery Specialists" and not Moorcroft... in december. So it was actually CWC and not Moorcroft who sent me the letter and whom I had spoken with.

 

BUT

 

The reason I started mentioning about this company called Moorcroft right from the beginning of this thread, is that recently the texts and Automated calls which I have been getting are from Moorcroft - in which thet are asking to respond with my e-mail address and have also given an account number regarding which they want to get in touch with me...and I thought it was Moorcroft only which issued me that letter in the beginning! Apologies...!

 

So now I am getting the calls and texts from Moorcroft to which I haven't responded at all. It has the account number different from the one mentioned in letter from CWC. But I am 99% sure that its the same case which CWC was handling which has now been passed onto Moorcroft to work on ...

 

So ideally I haven't had any confirmation or communication with Moorcroft to know for what are they trying to get in touch with - What should I do? Should I contact them back with my e-mail address ? Should I call them? or should I enquire by logging into their site using the given account number in texts?

 

I can't write a letter to Moorcroft without any confirmation on what they are chasing me for - formally..!!

 

Sorry again for confusing you all :(

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Yes a ''prove it'' letter to Moorcrap is needed do you want me to draft that for you?

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:

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Yes a ''prove it'' letter to Moorcrap is needed do you want me to draft that for you?

 

Until Moorcroft shows it’s hand, and you know they’re chasing the alleged TW debt, there’s nothing to prove!

 

Suggest the letter simply goes to Thames Water if they are the only ones you have had proper correspondence from. So was it CWC chasing you rather than the landlord? If so, that’s Thames Water themselves chasing the wrong person!

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Until Moorcroft shows it’s hand, and you know they’re chasing the alleged TW debt, there’s nothing to prove!

 

Suggest the letter simply goes to Thames Water if they are the only ones you have had proper correspondence from. So was it CWC chasing you rather than the landlord? If so, that’s Thames Water themselves chasing the wrong person!

 

Yes a ''prove it'' letter to Moorcrap is needed do you want me to draft that for you?

 

Thanks for being patient !

 

Agreed, Moorcroft haven't formally showed their hands saying they are chasing me for that debt or whatever and I haven't spoken/contacted them yet either.

 

They have just been sending me texts to keep in touch regarding account number mentioned in the texts. So I can't issue a prove it letter at the moment to them.

 

Yes, I had spoken with CWC earlier and the letter was issues by them only...back in december.

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As there seems to have been a heated debate here about what bowcreek should or shouldn't do, I thought I would offer my two'penneth!

 

bowcreek mentioned about info on his/her credit file in post 1, I am not aware that water companies register an account with CRA's , mine certainly isn't but I'm not with TW. So I would suggest checking this to make sure.

 

bowcreek has also moved out of the house and never had an account with TW so why bother doing anything at all? As the landlord advised, I think I would ignore them!

 

Were you on the electoral roll whilst you were living at the address bowcreek? If you were, this is most probably how Moorcroft got your name and wrote to you hoping you would pay up!

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Evening Dotty! Nothing heated here, just a bit of equine guffawing and tomfoolery. :-)

 

Moorcroft hasn’t written, it’s CWC (ie. Thames Water’s in house debt collector) that has written – Moorcroft is bothering the OP but hasn’t properly revealed why yet.

 

As you say, I think TW is fishing for someone to chase for the money, and as Moorcroft is not involved but is harassing the OP, I think he has every right to complain about this and put his objections forward. Getting a resolution in distressing events like this is only fair, and a nasty letter can be fun to do... especially if they don’t go away and it then becomes criminal harassment.

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Hi DonkeyB,

 

post one states that Moorcroft have written on behalf of TW, I'm assuming that TW wouldn't write to anyone else apart from whose name is on the bill, if they have, wouldn't that be a breach of Data protection? Moorcroft don't care and will harass anyone that is likely to pay up.

 

I agree, everyone has the right to complain, I just like to do as little as possible and Moorcroft won't be losing any sleep over this!

 

If the OP recognises the numbers when Moorcroft call then they can easily be ignored and they will soon get fed up of calling.

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Having received calls on my mobile about debts that aren't mine, I would think twice before assuming that texts that you have received are in any way related to any letters that you have received from some-one else!

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as Moorcroft is not involved but is harassing the OP, I think he has every right to complain about this and put his objections forward. Getting a resolution in distressing events like this is only fair, and a nasty letter can be fun to do... especially if they don’t go away and it then becomes criminal harassment.

 

The texts I have received are as follows:

 

Mr.xxx, pls reply with your e-mail address so we can get in touch re:Moorcroft acct#xxxxx or call 01614752979.

 

The first text was received on 3rd Apr and another reminder with same text was received on 9th Apr. Meanwhile I got an automated call as well "asking me to confirm if I am the person they are asking the name for.." by saying yes or no .!! I just hung up..!!

 

Not sure if with this I can still send them a letter and this can be treated as harassment? Its true that I don't know why am I getting these calls and texts to get in touch for. !! (But tricky bit is I know it would be for Thames water matter).

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