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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Marks Spencer Loan 11k Now 18k with Moorcroft. **WRITTEN OFF BY M&S**


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Hi

after a quick exit divorce I accepted this as believed the Moorcroft letters to be legal and factual. 

Agreed a £35 a month DD till Im in my 70s 😭.

It's now become a problem as struggling to get a mortgage

 

More frustrating as I initially offered to pay the debt off when it was becoming a problem we offered approx 90% they refused and sent the debt to Moorcroft.

Obviously wanted the full interest.

 

I've had a scout round the forum and can't find MS loans -Moorcroft.

 

I feel there's something not right and obviously now a big problem as stopping us getting a mortgage.

 

I'm sorry if all been asked before but any pointers would be hugely appreciated.

We may even be able to offer to pay off but not the full amount with interest.

Thanks in advance and still learning so go easy on me 😁 x kirsty 

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whom are moorcrofts stated client.?

when did you take this loan out?

 

what is the defaulted date from your credit file?

 

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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Mark's and Spencer's Finance are the clients..I found out this week Moorcroft are.collect and passing it on to them. Where as I thought moorcroft had.bought the debt from them.

The loan was originally taken out in 2007 I think. And the defaulted date was 2010 approx. 

 

 Was along time ago so cant remember properly. Tried to just forget about it u til now. 

It no longer appears on my credit file

 

Thanks 

 

Kirsty

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well its not on your credit file so cant harm any mortgage application. and it can never comeback..

 

shame you got hoodwinked by Moorcroft

a dca is 

NOT A BAILIFF

and have

ZERO legal powers on any debt.

 

have you still the agreement?

have you got all the statements from day 1?

 

how much was the loan for and what is outstanding today.

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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Yup can't harm a mortgage. It's invisible to any broker or lender, and can't ever come back.

 

 

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

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I thought that but I'm still paying a monthly amount although only small.

It would be seen as an outgoing so may be questioned. 

 

the original loan was about 14k but when it went to the debt recovery went up to 23k as they added the interest.

I've paid about 4k off it so far.

I've spoke to M&S to get a copy of agreement and amount etc. 

 

Going to try offer them an amount to get rid of it. 

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Just list it as an outgoing. (£35 monthly) They will ask you what other loans you have to pay off on the mortgage application form, just it as a loan payment. In my opinion there is no substitute for using a good mortgage broker, rather than doing it all yourself.

 

Sorry but making them an offer is a total waste of money.  Why would you? If you are fortunate enough to have thousands to burn, there are plenty of charities who could benefit.

 

Personally, I'd not be paying them a penny more. End of. If you'd have done that in 2010 then the whole thing would be Statute Barred by now.

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

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CCA them too then.

and send an SAR as well.

 

that could improve your F&F chances later on..

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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I've just researched what CCA is as this is allnew to me.

I've been making payments from the start only small but consistent.

So the debt wont be statute..

 

I have asked M&S for a full statement and original agreement.

 

I believe there was PPI on the loan but I never went after it as they would of taken it straight off me..

 

But I feel I could still use this against them with the amount they are charging me.

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holding an enforceable agreement is nothing to do with statute barring.

 

ask for what you like its a request they don't ever have to reply too.....

 

put them to LEGAL proof 

 

CCA request them

 

a full statement is not ALL statements

send an sar

 

PPI is dead but however yes again could be useful.

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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I have asked Mark's and Spencer for the original agreement and statements etc. 

The default from this has gone off my credit report as mentioned before. So the debt is invisible on my credit file

 If I was going to offer a F&F settlement and it was accepted would this affect my credit report? 

Thank

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No, it wouldn't affect your credit report – but the best you can do is simply follow the advice of site team member @dx100uk

You've done the right thing asking to see the CCA agreement. If they are unable to produce it – then stop paying anything. It's dead and the only unfortunate thing is that you have in that case been paying needlessly for years and you won't be able to get the money back

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49 minutes ago, Mrsmuff said:

 

If I was going to offer a F&F settlement and it was accepted would this affect my credit report? 

Thank

Nope.

 

If your CCA request doesn't come back after 12 plus 2 working days, for goodness sake stop paying. You will be wasting your hard earned money.

 

 

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

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I'm afraid there is one thing to point out. If a CC agreement suddenly does emerge – even if they have gone beyond the deadline, then suddenly the debt becomes enforceable.

So by saying that failure to satisfy the CCA request means that the debt is dead – is a bit misleading. It goes into suspended animation.

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  • 2 weeks later...

Mark's have managed to find the agreement and pretty fast.

It's a 20 yr old loan.

 

I used go pay 326 a.month at first.

Now 35 and wont ever pay more.

 

In total since I had it to now I've paid about 9k.

The original loan was 18000.

But they added interest.

 

What would be a good settlement figure to start with?

 

Also I'm aware there was ppi on it but never claimed it.

 

Just unsure how much. 

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should be on the agreement 

why dont you scan all the CCA return upto one multipage PDF

and we'll check it over

 

read upload Carefully

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 weeks later...

Update. I have sent an offer for a full and final settlement. I sent it to Mark's and Spencer as I had spoke to them and they confirmed they still own the debt. They sent the CCA unfortunately. 

 

 After sending a very detailed letter stating my financial situation now and in future etc. Also a budget form. Moorcroft rang the other day to say Mark's had contacted them to sort out the settlement figure with them.

 

 I asked if they owned the debt which they said no. 

 

 They then said we have a copy of the letter and have filled in a form to send to Mark's for them to consider the offer, who will then get back.to Moorcroft and let me know.

 

 I'm am now confused as to why It is being passed back and forth between Moorcroft and Marks.

When Mark's could of just dealt with it directly.

 

Does anyone know the reason for this or if I should contact Mark's again? 

 

Thanks.

 

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you tell marks you will NOT deal wih a DCA as they are always  abusive and threatening.

 

and most certainly NEVER use the phone to a DCA about any debt EVER.

 

I've pit the CCA backup as a PDF in post your post of 30 jan above 

there is no PPI

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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Update. I have sent an offer for a full and final settlement. I sent it to Mark's and Spencer as I had spoke to them and they confirmed they still own the debt. They send the CCA unfortunately. 

 After sending a very detailed letter stating my financial situation now and in future etc. 

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  • 3 weeks later...

Update:  There is hope out there and to anyone who is stuck with an old debt. 

  After a phone call to Mark's ans Spencer to see if they had received my settlement off. They said yes and had reviewed it and due to my financial circumstances they were going to write off the whole debt!! They didn't even want the settlement figure of 1k which we offered. Got it all in writing now. So that's 18k completely wiped out and gone 😁🎉🍻🎊

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  • dx100uk changed the title to Marks Spencer Loan 11k Now 18k with Moorcroft. **WRITTEN OFF BY M&S**
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