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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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Moorcroft Debt Collections seem a little overaggressive - what actions can I take to protect myself?


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Hi, has anyone had to deal with Moorcroft debt collections before? I don’t really know what debt collectors are and aren’t allowed to do but they seem over aggressive?

 

I found a guide that tells me that I should pay what I can afford of the debt, but I’m worried they will try to force me to pay more than that. What shall I do? 

 

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Hi Herm,

I completely understand your position as debt collectors on the whole do try to intimidate you to pay and many people do just for that reason. The important thing to remember is to not panic, don’t let them stress you out to the point of paying an amount you can’t afford.


The first thing to note is that Moorcroft are debt collectors not bailiffs. This means they have no special legal powers and are not court appointed so they are pretty limited in what they can do.


What sort of thing are they doing that you think isn’t right?


CAG has some good info, but I would recommend that you check out a debt charity guide as well so you’re sure that it’s definitely impartial advice.
 

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Couple of things. 

1. treat all creditors equally if you are in a debt mess.

2. If money is tight, offer a token payment only - £1 per month until things get better.

3. Only deal with debt collectors in writing. Make them write to you and you write back, no phone, no email. 

 

These things will create a breathing space for you. 

 

If you  have not not yet created a priority debt list yet do so. 

 

Bite your on the bum debt - needs to be deal with first - mortgage/rent  council tax, inland revenue all need to be dealt with before credit debt. 

 

 

 

 

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 I know I shouldn’t panic but it’s hard not to when they threaten to come to my home again if I don’t pay, I have a daughter and my wife is really frail so I don’t want to worry them. 


They have just been calling me at all times of the day and mostly quite early in the morning around 7/8am.

I’m receiving a lot of letters with pretty threatening language and the last time they visited us they were hammering the door very loudly and shouting for a long time (I pretended I wasn’t in as my wife wasn’t doing well at all that day!).


I’m worried if they come again it will be even worse, are they allowed to do this??

Thanks Nobby - how do I offer them a token payment?

Are they likely to accept this?

 

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Firstly drop them a line -post it, take a copy first. Write out by hand if ness... 

Dear Sirs.

MoorCroft Reference

Due to my present situation and the illness of my partner  I am struggling to cope with your constant calls. 

 I can now only deal with this matter in writing.

Please cease all calls with immediate effect.

Given my present circumstances I am only in a position to make a token payment of £1 per month towards this debt, this will be paid by standing order.  Please send me your bank details.

I hope to be able to engage with you some more once my stress levels have reduced. 

Yours faithfully.

xxxxx

Then block them on your mobile/landline (if possible).

You don't have to feel stressed by this people.

Provided the debt is legitimate and not a 'bum biting debt' then the token payment will work - but don't let them bully you. More information below (sorry CA - couldn't find your link). 

 

WWW.CITIZENSADVICE.ORG.UK

How creditors are supposed to behave when they are trying to recover their money, what kind of behaviour is not acceptable and how to tell if you are...

 

 

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Wait, what is the debt for?

DO NOT blindly pay a DCA. Especially Moorcr@p.

 

Check your credit file and see what is on there.

 

NEVER EVER contact a DCA until you know what the debt is, if you owe it, and the last time you paid anything towards it.

 

And you most certainly don't offer to pay £1 a month that only keeps the clock ticking and resets it for another 6 years.

 

 

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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And...particularly as this is Moorcroft. I wasn't aware they were using door knockers to pressure debt collection ?

 

 

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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I’m sorry to hear that and it seems that they are definitely crossing a line. There are a lot of articles on the internet stating exactly what bailiffs can’t do.

 

On the whole, debt collectors cannot visit your home if you have weak, disabled or people that are sick in the house and in your case they cannot visit if you have young children present. 

 

Unfortunately, debt collectors can visit between 6am and 9pm BUT they cannot be overly aggressive or make your circumstances known to anyone other than you so if the Moorcroft collectors are shouting loudly then this could be grounds for a complaint. 

 

Finally, if they are calling and sending letters so frequently it could be considered harassment then you are entitled to send them a letter stating your contact preferences which they have to stick to and if not you can complain. 

 

The link you asked about is a good start but there is loads of good information available for free online and like I said, if it all becomes too overwhelming, get in touch with a debt charity.

 

I wish you all the best. 
 

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All the information you require in dealing with debt and DCA is here on this forum...for some reason robswish wishes to redirect you to external sources rather than utilize this forum which you have become a member and no doubt viewed the rest and determined their advice is ineffective.

 

Andy 

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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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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Don't get confused between Debt collectors and Bailiffs.

 

A debt collector is NOT a bailiff.

A debt collector has absolutely zero legal rights.

 

Not entirely sure where some of the advice is coming from robswish but it isnt correct.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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what is the debt please and who are moorcrofts stated clients?

they don't buy debts only chase.

please don't send then any pointless letter tennis till you answer my questions

its worthy to note that the links that have been now removed from earlier posts are nothing more than a site that gives very bad advice and is i see a glorified introducer to secured loans and IVA's. no wonder the site keeps saying you must respond and pay DCA's.!!

go scam other people!

not on CAG you wont.

god the video on that site by scott is appalling , very bad advice throughout.

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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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  • 1 month later...

hows this going?

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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