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    • Okay so I see that the principal issue is about insurance. In that case read the threads very carefully about what we have to say about the insurance requirement and how unfair it is that you should be required to protect Hermes against their own negligence or the criminality of their employees. Point out that this was a laptop computer and you are well aware that instances of laptop computers disappearing are pretty common with Hermes and that the likelihood is that it was stolen. You will not be responsible for the criminality of their employees. It is for Hermes either to review their employment policies or to insure themselves. If you read up on the pinned topics you will find that have set out a nine or 10 point explanation of why their insurance requirement is unfair. You can tell the mediator that you will be inviting the judge to exercise his or her duty under the consumer rights act to examine the entirety of the Hermes contract and to decide whether the terms are fair or unfair. You can also point out to the mediator that if the judge finds against them that it will put a coach and horses through their entire rip-off insurance scheme and that not only will they not be able to depend upon in future but they will also have to go back and compensate all the people who have accepted their position and have not understood that the insurance is unfair. Point out the mediator as well that once you get a judgement in your favour as you surely will – that this will impact the whole of the courier industry – and Hermes will be even more despised by the competitors than they already are. In terms of your flexibility – tell the mediator that if Hermes does the sensible thing and pays you out then it won't go to court, they won't get a judgement against them, and they will be up to carry on with their rip-off insurance policy as usual and deprive other more innocent and less well-informed people of the compensation to which they are entitled. Tell the mediator that that is the benefit to Hermes and that you won't back down – not even a penny. Read the mediation stories on this forum. You will find that Hermes will probably come to you with their £100 expiration payment. When you refuse that, they will come back to you with a further offer and they will try to avoid paying the cost of the action. Tell the mediator that it is Hermes which had forced this action to occur and therefore you are not going to pay. If Hermes comes back and says right okay they are going to court – then don't worry. Go to court. We will help you – although they will probably settle before court anyway. Stand your ground. It's a reasonable amount of cash but it's not a massive amount so I would suggest simply just go for it.
    • If people don't watch live TV, on the TV Licencing website there is a page (quite well hidden), where there is a declaration that can be filled out stating that a licence is not required because of reasons a,b,c,d etc.     Once this is done, they leave you alone for 2 years, but ask you to notify of any change before the 2 years is up.   If you don't do this, they hassle you.   The inspectors have a sneaky tactic of knocking gently on your front doors, so you think it could be a friend or neighbour. People then up open up the doors and are caught watching live TV.    
    • I had been away as i didnt have any update i had been only waiting for the mediation appointment to be given which is i think processed bit delayed due to their workload. I have been given the appointment last week.  please see below their defence .   “Thank you for your email. Firstly, please allow me to offer your our most sincere apologies for the service you have received on this occasion. As advised by my colleague when booking this order, you are required to enter the value, upon entering this value a pop-up message was provided requesting that you protect your goods fully, you declined this option on more than one occasion and accepted to send this with just the standard £20.00 protection against loss or damage. I am afraid the offer made £100.00 as a matter of goodwill gesture without prejudice is the full and final settlement we would be willing to offer. It is of course your prerogative to take this case further, however, I must advise that should this go forward we will defend the case based on the information provided previously and the following Terms and Conditions which you agreed to when booking this order: https://www.parcel2go.com/content/about-terms.aspx "The Extent of our Liability 6.4 We shall only be liable for damage or loss caused to you if it is caused by our negligence, breach of duty or other wrongful act or omission, and only subject to the limitations set out within this clause 6 and clause 7. 6.5 We shall not be liable to you under any circumstances for: (a) any direct or indirect loss (including, but not limited to loss of profits, or loss of goodwill); or (b) any other special or indirect losses, costs, damages, or claims which do not arise naturally as a result of our negligence, breach of duty, or other wrongful act or omission. 6.6 We shall not be liable to you: (a) under any circumstances where there are any material discrepancies (meaning more than 10% difference) between the declared dimensions and/or weights and the actual dimensions and/or weights; (b) for any damage caused by our negligence, breach of duty, or other wrongful act or omission, which you have, or you have arranged to be, repaired, unless it is agreed by us that the repair work is to be carried out and that a repairer approved by us undertakes this work; or (c) in any circumstances in respect of the items on the Prohibited Items; Damage to Items Protected for Loss Only; or for loss of or damage to the No Protection Items lists, unless otherwise stated by us. The Limitation on the Amount of our Liability 6.7 If we are liable to you for any reason, we shall (subject always to clause 7) only be liable to refund to you the cost paid for the Service(s), unless you have purchased Parcel Protection for your Consignment from us. " Again we do apologise for all the inconvenience
    • It's been sometime since we had from you. Could you just bullet point itemise the salient points in their defence. In terms of the requirement for flexibility – we always suggest that you stand your ground. You can make it clear to the mediator that the advantage them is that they avoid getting a judgement and incurring additional costs. But maybe you can just give us a quick resume of what has happened – and I mean Quick. By the way how long ago were you given this appointment?
    • Okay I think that you should write this up very carefully – a bullet pointed description of everything you have found supported by a photograph of each point of concern.   The next thing we have to do is we have to get a quote from some independent source for repair or replacement. Two independent quotes would be useful. Some people might want a fee for this but on the other hand they are so hungry for sales, that they may well give you something in writing free of charge in the hope that you will come back to them. After that I think that we will have to go for Vodafone that the telephone they returned was not in the condition it was when it was sent and that we believe that they have caused additional damage. We shall then have to offer them options to replace it or to repair. Let's see how it goes. Your son is 15 years old. Does he take an interest in this kind of thing because it could be a useful lifeskills lesson for him.
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Moorcroft Chasing old Natwest Debt Inc Old Secured Loan on old Repo'd Home


Sirbob00
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Thank you for your advice.

 

As the owner of 2 labradors dog turd is something I have plenty of.

 

Can I just ask only because I do panic about stuff like this.  More because of the affect it has on my husband.

 

In 2014 when my husband was at his worst and NatWest got the charging order on our house (which was then repossessed) we had to stop using our NatWest bank account which we did.  

 

When we signed up for credit reports in January we noticed our NatWest bank account was being reported on a monthly basis so we decided to close it.  My husband and I went into a branch and closed it.  

 

We had 4 accounts,

1 for everyday banking and

2 savings and

1 was the loan.  

 

She said she could close the 3 accounts but obviously not the loan.  

She said she’d transfer the money from the 2 savings into the main bank account and give us the money then shut all 3.

 We were gobsmacked when she gave us over £1000.  

 

We never thought we had money in the accounts.

 Can this be used against us?  

The 3 accounts are now shut and marked as settled on our credit file.

 

Just one other thing which is stressing me even though I’ve been given assurances on here.

 

Is there anywhere I can find a piece of law that says because I informed them of my new address in January I haven’t re-set the 6 years.  I think NatWest/Moorcroft may use this against me.

 

Everywhere on line says if I made contact with them in writing within the 6 years then I have reset it and they can start chasing again.
 

Thank you.

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doesnt matter it's statute barred.

 

send nastypest our SB letter if you haven't already then?

 

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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letter is not acknowledgement.

 

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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But online at Nationaldebtline.org it says

 

“You have not written to the creditor admitting you owe the debt in the last 6 years”

 

although I didn’t admit to the debt I have used the account numbers and our names when advising I have moved house.  Surely this is me admitting as I’m the only one with this information.

 

it also says similar on the CAB website 

 

 

 

 

 

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where have you admitted you owed the debt 

and did you sign it?

 

there has never been a court claim lost (which is all nastypest can do) that was the result of some silly letter you wrote.

 

send the SB letter in our debt collection section of the library to NW.

and then for get about the debt.

 

and also take with a large pinch of salt CAB and NDL advice...don't forget they are predominately funded by the banking industry.

 

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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All I put in letter was

 

Account Number

 

please be advised of my new address 

 

my name or husband’s 

 

no signature 

 

I must admit apart from 2 of them writing back to acknowledge.  One of then NatWest I’ve heard from no one else.

 

Natwest did email to a old email address that we have access to but never use asking for us to reply confirming our address but we never replied.

 

Im just unsure why Moorcroft have done a credit search yesterday. 

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that is not acknowledgement.

 

so what if moorcroft did a search.

no-one bar you and they can see it anyway

i bet the search was from before the time you updated the address too.

 

simply a trace to find your correct address to try and mug you blind

 

send the sb letter as advised.

 

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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only for one year

and as the debt is SB's ask natwest to get moorcrap to remove the search too then.

 

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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deal with the organ grinder not the monkey...

 

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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Acknowledging the debt = writing a letter saying ' I acknowledge the debt'

 

 

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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Hi

 

I’m going to do a SAR for NatWest.  

 

I’ve found the paperwork with the Default Notice.  

The loan was joint but the default notice was served to us both separately on the 27th February 2013.

 Last payments made via Payplan April 2014.

 

We hadn’t heard anything from them until Moorcroft began writing to my husband towards the end of 2019.  

In January 2020 we advised NatWest of our correct address.  

They did email my husband asking him to reply to confirm the change but he never did.  

 

We’ve heard nothing from Moorcroft since January/February until my husband received an email from a credit reference agency he signed up to informing a hard search had been carried out by Moorcroft on the 9th July.  For what purpose I’m not sure or could it be that NatWest hadn’t forwarded the new address onto them so they carried out the search looking for my husband.

 

We haven’t heard from any other creditors apart from 1 other acknowledging the new address  since advising them.  
 

Also can I ask does the 6 years start from when you last paid or from the default date.

 

Many Thanks

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whichever is the later ...

so statute barred then.

send the SB letter

 

 

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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Share on other sites

In your case, from the last payment. It went statute barred back in April. Your in the clear!! Send the SB letter.

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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Thank you.  Should I wait for them to write to him before sending the SB letter.

 

Also on my credit report is Cabot (previously I think Capital One CC)  No payment made since April 2014 default reported September 2014.  Does that mean that one isn’t statute barred

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if cabot are not chasing the CC debt and you've sent them a letter advising of correct address i'd wait a bit.

it can be argued that if the original creditor took xxx mts to default following last payment, then it is SB's, but as above

if cabot know the correct address and are not chasing, let it lie.

 

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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Share on other sites

Received another email regarding the search.  This is what it says on husbands credit report.  Shall I wait to see if they write to him before sending the SB letter.

68DF9176-6543-4732-9F76-EEEC251B3F1E.png

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safe to sit on it.

it's not technically sb'd till dn+14 days.

 

just remember the golden rule

a DCA is NOT A BAILIFF

and has

ZERO legal powers on any debt, no matter what it's type.

 

 

 

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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Sorry but what do you mean by dn+14 days?


This is Moorcroft chasing on behalf on NatWest.  The default notice was in February 2013 and last payment made via Payplan to NatWest in April 2014.

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It becomes Statute Barred, 14 days after the default notice was issued, so 2 weeks after that date.  So at some point in Sept / Oct this year. 

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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One debt one thread

Else it gets confusing..

 

one min cabot debt

next nw.

 

gets confusing for us

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 sorry I’ve confused you both.

 

Ill forget about Cabot as nothing received.

 

it was more about the Moorcroft search.  Should I SAR Natwest while waiting for Moorcroft to get in touch or just wait for Moorcroft to write to him then send off the SB letter.

 

 

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  • dx100uk changed the title to Moorcroft Chasing old Natwest Debt Inc Old Secured Loan on old Repo'd Home
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