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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
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    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Moorcroft and Nationwide Student Overdraft Issue


fred45223

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Hello fellow members,

I find myself in a distressing situation and am desperately seeking advice and support from anyone who has experienced something similar or has knowledge in this area.

In 2019, I completed my university education and left with an arranged student overdraft from Nationwide. Like many students, I was under the impression that I would find employment and be able to settle this debt in a reasonable timeframe. Unfortunately, the reality has been quite different. I have struggled to find stable employment, and my financial situation has not allowed me to start repaying the overdraft.

Recently, I received communication from Moorcroft Debt Collection Agency, who are now demanding the full repayment of the overdraft. Their tone suggests they are prepared to escalate the situation significantly, including taking legal action that could result in the seizure of my possessions. This has caused me considerable stress, as I currently do not have the means to satisfy this debt.

I wish to handle this matter responsibly and intend to pay back what I owe, but only once my financial situation improves. Currently, I am seeking advice on how to navigate this situation without escalating it further. Specifically, I need guidance on:

Communication with Moorcroft: How should I approach conversations with Moorcroft to explain my current inability to pay, and to seek a temporary reprieve or a manageable repayment plan?

Legal Rights and Protections: What are my rights in this situation, especially considering the threat to take my possessions? Is there any legal protection available for individuals in my position, to prevent or delay such drastic actions until I can afford to repay my debt?

Dealing with Nationwide: Is it worth contacting Nationwide directly to discuss my situation, even though the debt has been passed to Moorcroft? Could they offer any solutions or recall the debt from the collection agency?

Mental Health and Stress: This situation is taking a significant toll on my mental health. Any advice on coping mechanisms or support services would be greatly appreciated.

Future Steps: What should be my immediate actions to prevent the situation from worsening? Are there any debt management plans or financial advice services recommended by this community?

I am eager to resolve this matter and move forward, but currently feel trapped by my financial circumstances. Any advice, experiences shared, or resources provided by this community would be incredibly helpful and appreciated.

Thank you for taking the time to read my post and for any support you can offer.

Best regards,
Dom

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7 minutes ago, fred45223 said:

Recently, I received communication from Moorcroft Debt Collection Agency, who are now demanding the full repayment of the overdraft. Their tone suggests they are prepared to escalate the situation significantly, including taking legal action that could result in the seizure of my possessions. This has caused me considerable stress, as I currently do not have the means to satisfy this debt.

Moorcroft do not do court nor buy debts.....take a breath and calm down do not fall for it.

 

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

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  • dx100uk changed the title to Moorcroft and Nationwide Student Overdraft Issue

:pound:Scared of Moorcroft...i'd type that name in our search top right red banner and get reading up..

a DCA is not a BAILIFF...

and have 

ZERO legal powers on ANY DEBT no matter what it's type.

title updated and moved to Nationwide forum

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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What happens with Moorcroft, is the Bank during later stages of their collection processes, start to issue letters with the Moorcroft header/contact details.  And then after this, the Bank let Moorcroft chase the debt for normally 6 months, sometimes longer.  Moorcroft bombard the debtor with a large volume of letters and phone calls.  After this the Bank will look to sell off the debt and new debt buyer will then start contacting about payment. Eventually a debt owner may then issue a County Court claim against you.

 

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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