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    • like you dont reply at all what the debt looks like a loan  who was the oc? is it on your credit file? what is the defaulted date?   i will guess you've already sent a CCA request etc? why if it wasn't a letter of claim did you ever bother responding?   then we'll get this off to it's own topic as you quite rightly say its off topic and shouldn't be in this thread   dx  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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Moorcroft sent me my CCA / Agreement halifax card


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Hi All,

 

Was on here some time ago (7 odd years) and received some incredible help. Sadly 2 years ago i fell into some issues and couldnt work at the time. Thus accumulating some debts.

 

One of them is a credit card with Halifax , approx £5500, that had been passed to Moorcroft. I have sent them a 'prove it' style letter

 

They have replied to me with 1 page which is a personal details page and 1 page which is the signed CCA, from Halifax (photocopies)

 

I am happy to settle this debt but want to know peoples advice, opinions and the best way about it. i do remember a fair bit and have been reading up. Seen the settlement letters, but also conscious the debt seems no longer with Halifax or is do Moorcroft just act on the clients behalf as opposed to buying the debt?

 

I aslso have 4 others than are with Capquest, but rather than making this post complicated, i'll post a new thread.

 

Thanking you all in advance again :)

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who are moorcraps client?

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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upload

to ONE multipage PDF please

 

 

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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that's not a signed CCA [its for payment protection]

the sheet thay need is the reverse of that read it!

and the full T&C's are missing pages.

 

 

deal with Halifax cutout the powerless 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... 

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what part of stop sending pointless letter tennis are you not understanding?

 

 

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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well might not hurt as we'll them know the full history

then we can decide?

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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  • 3 months later...

or send arrows a CCA request?

 

you say debts...

 

lets resit and list them please

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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Ok so it looks like Arrow have my Halifax OD on 2 accounts, 1 is for £2000 and the other for £1000, i made another thread when you told me to.

 

This card i have posted about is still with halifax actually so ill post in the other thread i have for that

 

But to recap all my debts

 

Vanquis - £2000 (no contact or debtor letters)

Barclay card - £8000 (no contact or debtor letters)

Halifax OD - £1000 (now with Arrow /AIC)

Halifax OD - £2000 (now with Arrow /AIC)

Halifax CC - £5000 with Halifax

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  • 1 year later...

Update: Re: this thread and the credit card with Halifax

 

Seems the letter has gone back to halifax as they have sent me a letter 'your up to date statement'. Strange so seems it has gone back to halifax from moorcroft. The letters print is quite poor quality so i googled the address and it brings us RosythDunfermline a debt recovery company (Recoveries, PO BOX 66, Rosyth, KY11 2WG), the number 08081450374 also refers to a debt collector.

 

As i requested my CCA and SAR i shall not be responding to this letter unless someone advises to

 

Thanks again

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  • 1 year later...

Open

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  • 3 weeks later...

Update/recap -

 

Sent CCA/SAR req to Halifax as above they couldn’t find a record and requested my full name address etc to locate me… i didn’t bother. Have just kept communication to to a minimum

 

CCA from DCA now Intrum, and as above DX100UK found that in post 7 “that's not a signed CCA [its for payment protection] the sheet they need is the reverse of that read it! and the full T&C's are missing pages”

 

DCA sent me PAP in march 2019, i replied standard PAP protocol as below.

They completely ignored, no contact until 24th Oct 2020.

 

They have again sent PAP but with docs this time no PAP form though.

im just going to send the same again, and CCA/SAR Halifax again also.

 

I’ve uploaded all documents they included, there is a set of generic T&c clearly state effective from 2014 on them, the T&Cs do have my name on first page of them, some of the font looks different towards the end of it though but the supposed CCA (PP agreement) its dated 2011

 

Also they state in their letter the OC cannot provide a Default notice but provided a screen print of when sent.

PAP reply form from CAS here:


https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017(1-Viewing)-nbsp
 
box D ticked
 
I dispute this debt because..the debt purchaser has yet to provide any or all of the required documentation.

This time i will write - i dispute this debt as the debt purchaser has failed to comply with my CCA request in a satisfactory manner
 
box I ticked
I am requesting by way of a CCA Request the signed agreement. AND INCLUDE a CCA request found here:
https://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974
Include £1 PO
 
THEN also write I also require.. Written on a separate page:
 
a copy of the Default Notice
A copy of the Notice of Assignment
A complete set of statements detailing exactly how the debt has accrued detailing:
I. All Transactions.
II. any additional charges, by the original creditor or XXXX the debt purchaser or any predecessor DCA.
III. details of all contractual interest added by whom and on what date.
IV. List of ALL Payments made toward the Agreement
 
Also i will send CCA Req again to Barclaycard along with SAR Req

 

they replied before i could update this.

They responded to my PAP reply by simply sending the same again… attached
They have still failed to supply NOA and ND, and terms attached are for 2014 onwards signature date was 2011 however

 

DX100UK you previously said the agreement they sent me was a personal protection agreement (attached previously above) but i can’t see that, it says credit agreement at the top of it?

 

halifax cc 28 Nov 2020 at 22_35_17_compressed.pdf

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21 minutes ago, patterns said:

DX100UK you previously said the agreement they sent me was a personal protection agreement (attached previously above) but i can’t see that, it says credit agreement at the top of it?

 

 

read things properly then...

 

it clearly says by signing the agreement overleaf ...

there is no copy of that..

 

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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Yes there is a signed copy on page 25 of the uploaded PDF

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 The National Consumer Service

 

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

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yes my comment was about the upload at it's time.

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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