Jump to content


  • Tweets

  • Posts

  • 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
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2739 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

  • Replies 217
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

  • 4 months later...

Halifax passed my credit card debt account onto Moorcroft Debt Recovery Limited.

 

The account had been in dispute with Halifax when the debt was passed onto Moorcroft.

 

Moorcroft did an unauthorised credit search on the 16th November 2015.

 

I have made a complaint to Noddle that the credit search was unauthorised and Moorcroft are refusing to remove the search.

 

I have made a formal complaint in writitng to Moorcroft that the credit search was unauthorised but have yet to receive a response.

 

I have been in written contact with Moorcroft to ask them to verify various documentation which they are refusing to supply to prove that they own the debt, they wrote back saying that they have not purchase the debt but are simply collecting on behalf of Halifax.

 

So if they don't own the debt why do an unauthorised credit search!?

 

Can anyone please advise me what next to do.

Link to post
Share on other sites

It is not unauthorised. When you signed up to the account with Halifax, you accepted terms which allowed Debt Collectors access to data in your name including CRA's.

 

The way Moorcroft work, is that they take over the chasing of accounts for creditors and don't buy the debts. If there are any outstanding issues with creditors, you need to write to Moorcroft stating the reasons for the account being in dispute with Halifax and they will either respond to the dispute or pass it back to Halifax.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

It is not unauthorised. When you signed up to the account with Halifax, you accepted terms which allowed Debt Collectors access to data in your name including CRA's.

 

The way Moorcroft work, is that they take over the chasing of accounts for creditors and don't buy the debts. If there are any outstanding issues with creditors, you need to write to Moorcroft stating the reasons for the account being in dispute with Halifax and they will either respond to the dispute or pass it back to Halifax.

 

 

I have made it clear in writing to Moorcroft that the account has been and remains in dispute with Halifax since the 24th August 2015.

 

 

I have written to Moorcroft on several occasions to make them aware of this and they are not taking a blind bit of notice.

Link to post
Share on other sites

I have made it clear in writing to Moorcroft that the account has been and remains in dispute with Halifax since the 24th August 2015.

 

 

I have written to Moorcroft on several occasions to make them aware of this and they are not taking a blind bit of notice.

 

Then complain to Halifax head office that you are being subjected to harassment, while Halifax have not answered to the dispute.

 

If you have had a complaint oustanding for so long, you could go straight to the FOS. Once the FOS contacted Halifax, you should see communications stop.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Then complain to Halifax head office that you are being subjected to harassment, while Halifax have not answered to the dispute.

 

If you have had a complaint oustanding for so long, you could go straight to the FOS. Once the FOS contacted Halifax, you should see communications stop.

 

 

I have just awaiting a response from them.

Link to post
Share on other sites

I have made a complaint to Halifax about the fact that they have passed the accounts onto Moorcroft whilst it was in dispute, etc etc and am awaiting a response from them.

 

 

I have also asked Halifax that I want compensation for the stress that they have caused as I am classed as vulnerable due to being disabled with health problems

Link to post
Share on other sites

Just a DCA doing what a DCA does, however, if you are really unhappy and ant to get heard;

 

 

Lloyds BG are still responsible for their slave DCA in this case.

 

 

Moorcroft;

 

Link to post
Share on other sites

Thread moved to the appropriate forum.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

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

Should it be merged DX?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

its a mixed thread regarding the loan and card

 

cant see why not?

 

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 done that and they have no responded.

 

 

PLEASE STOP MERGING THREATS.

 

Do not have a go at the Site Team... They are doing their best to help you!

And besides all that... IF you didnt get a response from the higher ups then I think you probably have done something wrong.

 

I think you should complain again, with a sternly written letter and send a copy by post and PDF via Email.

 

Just an FYI. Osorios email addy DOES accept PDFs

Link to post
Share on other sites

  • 3 months later...

pers details showing

unapproved

 

upload as PDF please

and where are the other pages of T&C's please.

 

who is this from

and who owns the debt? Halifax still?

or a dca?

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

Halifax credit card agreement taken out online in September 2006.

 

Has not been signed and executed by Halifax in the correct box.

 

No T & C's provided.

 

Its a Halifax card, and its still with Halifax, at the moment.

 

If they try and make a claim, would this be enforceable!?

IMG_20160504_0004.pdf

IMG_20160504_0005.pdf

Link to post
Share on other sites

the usual refers to clause 8.2

 

 

so wheres that on what they returned

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

go read what you posted up...

 

 

it references clauses 8.2 and also 12.2

if they've not sent sheets detailing those T&C's how can it be complete...

 

 

 

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...