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Hi All, 

 

Like most others i have been receiving letters from Moriarty. Initially  i received the standard PAP which i responded to as per the advice on here and received a response stating they had requested the relevant information from their client and all action was suspended. 

 

I did not hear anything back for 5 months until i received a letter containing an application form and statements, with none of the other documentation requested. (see all attached)

 

I ignored this letter and have today received a letter giving me 16 days to respond before court proceedings. Any and all advice would be greatly appreciated. 

   

Moriarty.pdf

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now read the letter properly

 

does say WILL anything

and certainly doesn't say court in next

 

documents are bogroll application forms and generic rubbush


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Posted (edited)

Thanks DX 
 

The last letter received - Final Demand Before Proceedings reads;

 

“If no offer of payment or settlement is agreed within 16 days of the date of this letter, then we will issue court proceedings to recover the sum due. We therefore ask that you take immediate steps to contact us.” 
 

I have read lots of threads on here and note your comment of this “willy waving” however I have seen that one case recently has escalated and I want to stop it getting that far. 

Edited by WE1506

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well scan the relevant letter up please

no good asking us for advise if you show us everything bar the reason for your thread...

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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DX see attached. 

 

My question is do i need to respond? should i respond requesting all of the documents requested previously; 

 

·        Original signed finance agreement together with the terms and conditions IN ENGLISH

·        Any notice of change in account terms and conditions that were ever issued since credit approval.

·        Any notice of default or UAE equivalent that was issued by the original creditor.

·        All and every statement of the account including how any interest has been calculated.

·        Proof that UAE Court Judgement has already been gained upon said debt.

·        Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter of Claim and/or issue court proceedings concerning a UAE debt. The UAE is              not a 'member state'.

·        Any and All other statutes of law, be them UK or otherwise, that the claimant intends to rely upon should they wish to proceed and issue a UK Court             Claim 

Moriarty - Redacted.pdf

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they are quite aware what they need to respond with...they haven't.

nothing you need to respond too.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Moriarty don't have the documents you asked for.

 

Standard debt collection practice working from a list. Issue x number of template letters, see how much they collect and make half assed responses to any correspondence. 

 

As dx says, if you have told them what documents you require, then it is up to them. Yes they could issue a Court claim without supplying the missing documents, so you need to be checking all post received in future and ensuring that you acknowledge/defend any claim. But do come back for advice before you issue any defence.

 

The only point which may be worth considering.Are there any possible reasons of dispute to raise about the UAE financial arrangements with the Banks ?  If so, it might be worth ensuring that reasons of dispute have been sent in writing to the UAE Bank.  


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Thank you both, your advice is very much appreciated. 

 

I will keep this thread updated on any further developments. 

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