Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Need answers


dizzydeedee
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6318 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

If any of you have read my previous thread, then you will know my situation. If not, here's a brief outline. I took a loan out with Provident Personal Credit in 2004 but then I moved. Last year a collections agent from Moorcroft knocked on my door and forced me into making a payment arrangement insisting that if I didn't then bailifs would be sent round. I said they could go to court for it, and he said it wasn't neceassary to do that, they could instruct the bailifs without a court order.

 

Last week I ask for a coppy of my CCA but he laughed and said 'i had been looking on the internet too much' and I said, actually it was the CAB (which it wasn't, but i wasn't going to tell him that), and he said 'listen love, don't waste your time, we don't listen to the cab, its your debt, you know it is, and you're gonna pay it back like it or not. If i have to send a bailif round its £200 for him to knock on your door which will be added to the debt'

 

I am by no means disputing the fact that I owed money to Provident, but I am sure that the amount they are trying to get off me is way more than it should have been despite this very intimidating guy informing me 'moorcroft are not wescot, we don't add any charges on the debt'.

 

Do I still have a right to ask for my CCA? If so, if they don't provide it within the time limit, is the debt therefore unenforcable despite me paying to it already? And, does it matter that its a collection agent from Moorcroft collecting the money, because this fella really scares the hell out of me? Do I send the CCA request to Moorcroft itself, because if I gave it this collection agent i'm sure he'll laugh at me because he said I can't do it now.

 

I have 2 children and as I say, this man scares me, very intimidating, and not only that, he knows how uncomfortable I am with people knowing my business, but he seems to go out of his way to make sure the whole street are aware of what has happened, despite me telling him not to discuss it outside. I feel humiliated, and more to the point, annoyed. I hate this man coming to my house, and if I have to pay it back, i'd rather pay with my bank card. What can I do???

Link to post
Share on other sites

Last week I ask for a coppy of my CCA but he laughed and said 'i had been looking on the internet too much' and I said, actually it was the CAB (which it wasn't, but i wasn't going to tell him that), and he said 'listen love, don't waste your time, we don't listen to the cab, its your debt, you know it is, and you're gonna pay it back like it or not. If i have to send a bailif round its £200 for him to knock on your door which will be added to the debt':o

 

I am by no means disputing the fact that I owed money to Provident, but I am sure that the amount they are trying to get off me is way more than it should have been despite this very intimidating guy informing me 'moorcroft are not wescot, we don't add any charges on the debt'.

 

Do I still have a right to ask for my CCA? If so, if they don't provide it within the time limit, is the debt therefore unenforcable despite me paying to it already? And, does it matter that its a collection agent from Moorcroft collecting the money, because this fella really scares the hell out of me? Do I send the CCA request to Moorcroft itself, because if I gave it this collection agent i'm sure he'll laugh at me because he said I can't do it now.

 

I have 2 children and as I say, this man scares me, very intimidating, and not only that, he knows how uncomfortable I am with people knowing my business, but he seems to go out of his way to make sure the whole street are aware of what has happened, despite me telling him not to discuss it outside. I feel humiliated, and more to the point, annoyed. I hate this man coming to my house, and if I have to pay it back, i'd rather pay with my bank card. What can I do???

 

 

Firstly dont worry or panic! Doorstep collections have the same powers as you or me. Especially via Moorcroft, they have just learnt over time what to say to ensure people pay up.

 

I would firstly write to moorcroft explaining about the doorstep collection man and his 'nature' and offer however much you want to pay and send in a financial statement to support this. Confirm in the letter you will not make payment via Doorstep collection and they CAN recall it and should do so too.

 

With regards to getting a Credit agreement there should be no reason why you cant and I would include this in your letter too. If they did not provide this then yes the debt would be uneforceable despite you paying it as it seems you felt you had no choice but to pay it. If the collector does call round again confirm you are in dispute with the account and he does not have the right to be on your property! Send him packing and not to bother coming back. ( Has he given you a receipt each time for payment as well?)

 

There are some handy letter and templates here. http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

Good luck and ask again if anything else you need help with....:D

  • Haha 1

Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

Link to post
Share on other sites

yes thats correct, I would do it by postal order as you can now apparently track when its been cashed. Use the letter below.

1 High Street,

Newtown,

Kent

R21 4RH

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

This should get thinkgs moving and I would send to whoever currently is looking ater the debt i.e moorcroft based at Spring Gardens Stockport Address.

 

Good luck ;) If I have been helpful click my scales to the left!!

Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

Link to post
Share on other sites

thanks very much. I'm glad I found this site because I am learning so much more. When he first came banging on my door, i didn't have a choice but to arrangement payment, or at least thats what he told me then. I didnt know he had to go to court to get a bailifs order because he said that 'he is different from all that' they can do it without this action. Do I have a right to call the police if he refuses to leave my property without a payment?

Link to post
Share on other sites

Yep phone them....He is talking out of he rear!! Hes only different cos he a lying swine. Tell him you are not making further payments via him and you are writing to moorcroft directly...When you do send your letter mark it for the attention of 'home collections'. Make sure you clearly state his manners and how he scares you and that you intend to pay so much but only via Moorcroft directly. Remember to enclose a financial statement to support any offer.

 

Even if you offer £1pm as long as your financial statements shows this is what you have left per month ( wink wink ) they will accept it or send it back to your original debtor. Anything over £3 per month moorcroft will keep the debt with them and you can carry on paying them.

Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

Link to post
Share on other sites

Blimey - this sounds like the man who came on behalf of Moorcroft to my house! Very rude, condescending and discusses other 'clients' business and ours with a neighbour.

 

You can't be forced to deal with this person - As Maxibon says, write and tell them that you are not prepared to do so and why.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

Link to post
Share on other sites

They are breaching Data Protection as well when telling other people about your business. If you are sure this has happened tell Moorcroft Home collections as they did take this quite seriously...

Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

Link to post
Share on other sites

Guest Battleaxe

Never, ever phone them, do it all in writing. Make sure your postal order is crossed it will cost you £1.45 from the post office. the 45 pence is for the commission. You get a receipt so you will have the number of the postal order, make sure you attach this to your copy of the letter you send (the one you keep for your records) and make sure you include the message posted on your other thread regarding the Tort of Trespass, so Moorcroft and Doorstep Collections realise you mean business. if that Doorstop collector calls again hand him the Tort Trespass warning and then inform him you are calling the police if he ever sets foot on your property again.

Link to post
Share on other sites

NB Battleaxe, I meant 'call the police ' when I stated

Yep phone them
if he doesnt leave.

 

It does sicken me the way Moorcroft deal with people. They are very 'Cowboy' anyway and I heard so many breaches in my time there, it was terrible.:mad:

Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

Link to post
Share on other sites

I was going to post advice here but it looks like I have been beaten to it :D

 

I will stress though what has been said.

 

This man is using intimidating tactics which is not allowed, he is making threats which have no basis. He cannot do anything regarding entering your house or seizing goods without a court order.

 

I suggest next time he arrives tell him in no uncertain temrs what has been suggested so far, call the police by all means and tell them you need help quickly as this man is making threats against your property and person. If you can take a photo of him for later evidence. Tell him to leave your property immediately.

 

send the CCA request to moorcroft, they HAVE to comply or the alleged debt becomes unenforceable in law. 12 days from receipt of the request they should stop all enforcement activity until such time as they send the document.

 

If you lived close enough to me I would say phone me next time he shows his face and I'll run over there, I love these bullies especially when they are put where they belong :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

Link to post
Share on other sites

dizzeedeedee, Moorcroft are one of the DCAs I am currently taking on. I sent them a CCA request last week and believe me, my Standing Order payment to them left my account kicking and screaming with protest ! :)

 

I am pretty sure that they cannot produce anything. I have grown much stronger as time has gone on and you will too. Sometimes, these bullies play on the fact that it is sometimes easier to intimidate women.

Link to post
Share on other sites

Moorcroft are sending 'homke collections' to me, as I am disputing HBoS Debt, I really aren't worried, i can p*** about as much as the collectors, and being a PC, I dont think they'll argue as much. If however they do, we'll have fun!!!

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

Link to post
Share on other sites

no, just shock them into reality, get there heads out of their ars** then they'll be able to see his way on the road, and god forbid if ive been on nights and it wakes me up!!!!!!

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...