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    • you didn't pay lidls the speculative invoice charge of £45.   the only connection to them is their head office signed their region up to have their local stores car parks managed by the scammers because they had been duped into thinking people that abuse their car parks cost the region xxx in lost shopping revenue because another shopper could have used it.   they never see any of the money these bandits gleam from people paying a speculative invoice off ever and annually get ripped off by paying the fleecers £10'000 each year to give them permission to manage their carparks. anyone that pays the money goes directly into the parking fleecers pockets.   however i understand you are new and green but part of a forum is also self help which relates to my comment about where did you ever get the idea to pay them from...certainly not here.   so lidls wont be doing and can't do anything further, they certain wont be interested in instructing their fleecers to refund you and can't and most certainly won't refund you themselves.   go do a chargeback   dx              
    • OK,  I have not claimed anyone told us to pay in this forum.   As grown up adults we made this decision. I am sharing our experience in case it benefits anyone.    Our approach to this is if Lidl didn't help at the end we would take our shopping elsewhere and the so called reduced charge of £45 paid would be the end of the story, even if is unfair.    As I mentioned Lidl cust. service already emailed us to confirm that they have contacted Athena to cancel the charge, I'll first follow up with Lidl. If not resolved will resort to chargeback.  
    • no one ever said PAY THEM, you never ever do that.   if you paid by debit card go get it back by a chargeback to your issuing bank.      
    • Hi All,   My partner received a response from Lidl after another 3 days in which they explain the reason for their car parking system etc. but to summarize they conclude to cancel the parking charge with the below paragraph;   "In light of your comments, on this occasion only, I have requested that the parking charge is cancelled. Athena will confirm the cancellation in writing in due course."   As the £45 was going up to £90 the day before the email above actually reached us,  we actually sent the payment of £45 to Athena to remove the risk of that, but with the above conclusion we will follow up to get a refund.    Meanwhile we did our first big shopping with the car from Aldi in the local area instead of Lidl for the first time in 2+ years. As Aldi shares the car park with Matalan store in our area their car park period is 3hrs free of charge, which removes the stress of timing your shopping.   I think the supermarkets are shooting themselves in the foot with these types of measures when they use 90mins or such short periods as a time limit.   I'll post an update how the refund chase goes and how long it takes.    Thanks.
    • and apparently have sweet FA of the systems ready to implement the Kent border, ... which is needed because they haven't got the systems in place to manage the UK-EU border or UK-Ireland border they have striven so hard for and had sold so enthusiastically ..
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
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      I contacted PayPal
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      fast forward to today
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Help please santander and moorcroft

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Hi all, we are hoping you can give us some advice (my brother) please regarding an old loan with Santander that has been passed to Moorcroft for collection.


The loan was defaulted in April 6 years ago so has dropped off the file, the debt was with step change for a period of time and the default balance was £8800.

The loan was for £10,000 @ 13.9 apr which made it £13,400 and something.


Moorcroft are chasing £10,499 which is not the default amount and after repeated emails asking for further information to be told Santander had not got anything

- we put in a SAR to Moorcroft (is it their duty to reply to this or the OC Santanders ?)


they told us Santander need the SAR not Moorcroft,

now they have produced a default notice and a copy of the credit agreement but no statement of account showing how they get it to £10,499.

They sent a list of payments to the account but no other accounting figures

Any advice at all would be appreciated please

kind regards

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SAR would need to go to Santander. But perhaps don't do this.


Debt collectors such as Moorcroft hold very little data. The debtor would simply be one line on a spreadsheet which they then add to their systems.


Moorcroft simply chase for debts on behalf of the original creditor. They don't normally try to enforce any debt. If no repayment arrangement is made within a period of time, the debt is passed back to original creditors which in this case is Santander.  Santander are likely to sell the debt at some point to a debt buyer and the new debt owner may attempt to enforce, but this may be years into the future.


I cannot see the point in being too active on this debt and sending letters to Santander or Moorcroft. Why bother, when engagaing in correspondence means there is an active file, which may not be helpful. This debt is no longer on the credit file, suggesting the default happened 6 years or more ago. So the debt cannot be added back onto a credit file and therefore no debt owner can damage credit file further, other than getting a CCJ.


The problem for your Brother is the payments through Stepchange as that will obviously affect the debt in regard to stature baring under limitations.I would suggest looking back through statements or contacting Stepchange to find out last date a payment was made to Santander or Moorcroft or abyone else for this debt. That is the next step.

We could do with some help from you.



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Hi Genie9373


I've just had a debt from barclays passed to Moorcroft "to collect on their behalf".   My default dropped off my file last month.  what Unclebulgaria67 says is correct in that the debt can't be put back on your credit file.

I'll be following this thread with interest.  I wish your brother good luck.

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Moorcroft don't hold any data 

they don't even buy debts themselves

they are simply chasers and can always just like wetcloths sorry wescot be totally ignored.

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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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Hi all that’s great, thank you very much for the info... so :


1. stepchange details and last date (which could be 2017 though ) 


2. It’s on hold with moorcroft until the 3rd August, what’s best to do or say to them pls in this instance ? weve been saying we know there’s a debt however the figures do not add up, the default sum is £8800 and the amount they are asking is £10,499 we asked for how it got to that they have only sent a payment summary, credit agreement and (possibly not in the right format) default notice 


3. So do not put in a sar to either of them ? 


Many thanks again 



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Your Brother can safely ignore Moorcroft and then see what Santander do with the debt. It is important to keep Santander advised of his up to date address, so your Brother receives all correspondence.


If you really wanted to understand the real debt amount, then send an SAR to Santander. Ask for copies of all records up to date, including any documents issued including statements of account and any default notices issued.


BUT if the last payments were made through Stepchange, they should have information of the debt amount after the last payment was made.




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We could do with some help from you.



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

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