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    • This happened approx 18 months - 2 years ago. I have not been out of pocket. eBay instantly paid the money to me and then investigated once the buyer claimed the item did not arrive. They favoured towards the buyer and therefore made my ebay account minus £9000. Subsequently the ebay account got suspended and I since cut ties with it and no longer have access to it.  
    • Regarding "No breach of contract" where they have used E instead of F and that incorrect post code has always been there in subsequent PCNs including the first one,  does that not make it a valid point? because contract shows different postcode then PCN,  also if valid can this be moved under different section such as "No Locus Standi"? Since there is no mention of EV charging bay or its abuse in contract,  can same fact in point 3.1 be used under "No breach of contract"?  does the grace period of 10 minutes needs to be mentioned in terms and conditions signage?  
    • I am looking to help my father who has received a court summons for a RTA S87 (1) offence for not having a licence when requested to produce it by the police in December 2023 At the time of the alleged contravention my father was in the process of having his licence renewed following him turning 79 years of age in September 2023 (the licence is due for renewal every 3 years as i understand it). On the renewal application my dad disclosed a medical condition (Sleep Apnoea) and naturally, this resulted in a lot of follow up between the DVLA and his doctor, however his Doctor was not aware of any medical reason why he should not drive, and he continued to drive under S88 of the RTA. At no point was his licence revoked by the DVLA, however the DVLA did write to him in December 2023 to advise that they have been advised of another potential medical issue and asked him to provide details within 14 days or his licence may be revoked- he replied with the information and within 6 weeks his new licence was issued (the issue was not current, and is not affecting him now)   The alleged offence took place while the DVLA were processing his renewal, and given my father knew that he was fit to drive, he continued to do so. I am in some ways surprised that this has even progressed to court, because surely the fact that his license was eventually renewed in Feb-24 validates his belief that he was always fit to drive- nothing changed in his medical condition between September 2023 and the licence eventually being renewed in Feb-24.  Does anyone have any advice for how to handle this one? I have written to his doctor with a SAR to request the details disclosed between them and the DVLA, and for any other information that will help his defence. I was considering writing to the court to ask if the case could be held local to my Father, as the alleged offence took place far from his home- is this something likely to be granted?  
    • We tend to square the circle here rather than go along with the general consensus and what the media would have you believe  
    • And incidentally, the fact that you sell things and it's not your main source of income is not so far as I understand it, the legal test of whether or not you are trading.
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    • 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.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Moorcroft Debt Recovery


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Hi,

 

I don't know if this is in the right place so I apologise if it's not...

 

I am currently in a pickle with my debts.. I became untrustworthy of my debt management company so have cancelled with them and after reading a few success stories, have decided to do a self managed debt management plan. I am in the process of contacting all of my creditors and DCAs to arrange payment plans etc.

 

I have been contacted by Moorcroft Debt Recovery to organise a payment plan with them although they're asking me to fill in a very specific I&E form. I have read somewhere, can't remember where, that they can't ask me specifics, just figures on what I pay out each month... Is this correct? I don't want to 'refuse' to fill in the specifics if I have to by law so I thought I'd get some advice before hand.

 

Thanks in advance

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You might want to contact National Debtline who will help you complete a Common Financial Statement - then you can simply continue dealing with the creditors on your own DIY DMP :)

 

What "specifics" are you not happy revealing ? Names of other creditors ? They can obtain these from your credit records which they have access to.

 

However, you don't have to name other creditors you could list them as..

 

Creditor 1 - Secured Loan.. £ x

Creditor 2 - Credit Card . £ x

 

However, if you complete the CFS with Nat Debtline then creditors are pretty much obliged to consider your situation.

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

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Thank you both for your replies!

 

It's not that I have any real issue with telling them the names of the creditors, I just want to do things right and don't want to succumb to any possible 'bullying' or being forced to declare things I don't have to by law.

 

I will definitely contact the national debt line and get some more advice from them.

 

Thank you again for your replies, you've been very helpful

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You do NOT have to provide any bank statements or pay slips. Nor do you have to provide any details of a partners income unless this is a Joint CFS does that help ?

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

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