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    • T911, Nick, thanks, I got there in the end! Without boring you with the details, it is precisely the most ridiculous cases that end up being lost - because the Cagger knows the other party's case is rubbish so doesn't do the necessary work on their own case. G24 are well aware of double dipping.  They have either done it deliberately or else have cameras which can't handle multiple visits to the car park which G24 happily leave malfunctioning so the £££££ keep rolling in. Sadly most people aren't like you.  I've just read various reviews for the Retail Park on TripAdvisor and Parkopedia.  Virtually all of them are complaining about these unfair charges for daring to spend time & money shopping in a shopping centre.  Yet no-one is refusing to pay.  They moan but think they have been fined and cough up. G24 are unlikely to do court, but it's not impossible with two tickets. Try to get evidence that you were elsewhere at these times. Often retail parks will intervene, but I've Googled & Googled and cannot find an e-mail address for the place.  Could the manager of one of your favourite shops give you a contact e-mail address for the company that run the retail park? Right at the moment I'm supposed to be teaching someone who runs two shops at the local shopping centre, but I'm not as he has had to go to a meeting with the company that runs the shopping centre, so I know for a fact that these business relationships exist!!!
    • Afternoon DX, The files were in date order. How would I put them into an acceptable format? I'm not that pc literate.  
    • I think you need to tell us what actually happened. Your original post gives the impression that you were taken to court for a speeding offence. But you go on to say that you received no paperwork. So you could not have been summonsed for a speeding offence because the police had no evidence that you (or anybody else) was driving (and it seems you were not anyway). You were probably summonsed (or more likely received a Single Justice Procedure Notice) for "failing to provide the driver's details." You would not normally be banned for this offence if you were convicted - it carries six points. So did you have any earlier points which meant you were liable to a "totting up" ban?  If you were originally convicted (as it seems you might have been) how was that conviction set aside? Did you perform a Statutory Declaration? There is simply too much missing for any meaningful help to be given. It seems as if there may have been an error by the DVLA but before you consider suing those idiots until the cows come home, you need to explain exactly what has happened.  
    • Point 4 and 10 duplicate Point 5 and 8 duplicate  Try to keep to one para with regards the agreement...various paras duplicating the same. Statement of truth is out of date refer to the claimants statement    
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Old Debt - Where do I start?


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My husband had a debt with Abbey National years ago in 2002, for £8k.

 

He was doing OK paying it off,

but then had a few years of intermittent work and it defaulted.

 

It was sold to Moorcroft and he made repayments each month for years.

 

When he was made redundant in 2008,

he followed the advice of the Debt Advice Agency (charity) who advised him to ask for the original agreement and statement

and as they were unable to,

 

did not make any more payments (stupidly, we were a bit naive to follow their advice).

 

We want to put this to bed, now that we are in a situation to pay (something considerable to settle it).

 

We have not heard from any DCA since Moorcroft returned the account to their client in 2008.

 

I suspect he paid a fair amount in hefty charges, interest and PPI

(it was included in the loan but we cancelled it as soon as we realised that it was a crock).

 

The debt is still showing as £4,770 on the last Moorcroft statement, which astounds me considering how many years he was paying this off.

 

There is no mention of this on the CRA reports anymore,

and don't really want to stir the hornets up,

as we would like to buy a house shortly.

 

We were going to start with a SAR to Santander,

does this sound right?

 

Then contact them to see where the debt is - surely sold on by now?

 

I would really appreciate any help! :)

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Hi,

 

Was the last payment in 2008 ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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are you mad....

 

the debt is now well SB'd I bet

 

I bet none of those payments ever went off the actual sebt anyhow.

 

it went straight into moorcraps profit pocket.

 

 

if its not on your CRa file

then its been defaulted more than 6yrs

and has been removed.

 

I doubt you owe anything

Iand I doubt you ever did.

 

if satans bank and wanted the money

Ithey would have had you inform of a judge when you defauted

 

leave it be.

 

unless you want to chance your arm at PPI reclaiming.

 

I doubt you'll get PENALTY charges outside of 6yrs anyhow.

 

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... 

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10/10 to the Debt Advice Agency (charity)

 

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... 

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10/10 to the Debt Advice Agency (charity)

 

dx

 

Thanks for your reply.

 

The whole reason why we wanted to settle this was as we want to try and get a mortgage - we presume (first time buyer) that they'll ask about past debts and it will go against us as it's unpaid (officially). Mortgage advisors we have contacted so far won't touch us because of it when we disclose it. (Unless someone can enlighten me differently? Hopefully?)

 

Last payment made was in 2008 to Moorcroft so shouldn't be SB yet.

 

I wish I found this website years ago - yes, we nicely filled Moorcroft coffers for years. :(

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If its not on your credit file, theres no need to disclose it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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no one will know anything about it.

 

there is NO RECORD of it ever existing.

 

prob never was owed

 

but there you go

 

that's what DCA's do...FLEECE people.

 

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... 

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Maggiemay, moorcr@p are a shower of t0ssers from what I've heard on here. They sent me a letter demanding an immediate payment of £4500 as they said my HBOS credit card debt is now to be collected by them.What a laugh as I'm still on JSA and own no property or assets. I wrote to HBOS and told them I'll continue to pay them £5 per month (which I've been doing these last few months) and I also told them I'm not recognising Moorcroft in any way as I owe HBOS the money and not Moorcroft. Things have gone completely quiet for the last 2 weeks from them both but before I wrote my latest letter to HBOS, moorcroft were phoning all the time - I never entertained them even once.:lol:

 

I'm sure you'll get things cleared up fine and I'm sure from what others are saying that you'll be ok regarding this debt.

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Put simply, if it isn't on your credit files then there is no means of anyone finding out about it. It would be SB'd in a year or so anyway. Why on earth you have declared it to anyone is beyond me. If you settle it now it will go on your file and then you're scuppered for a further 6 years!

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Put simply, if it isn't on your credit files then there is no means of anyone finding out about it. It would be SB'd in a year or so anyway. Why on earth you have declared it to anyone is beyond me. If you settle it now it will go on your file and then you're scuppered for a further 6 years!

 

:thumb:

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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