Jump to content


  • Tweets

  • Posts

    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
    • think about it, if you don't pay the full amount, what more can they do , default you  they've already registered a default notice by that point.  why have you got to await sale to a DCA.... for what?  
  • 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

Moorcroft and Kays


Laney65
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5623 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

Evening all just looking for some advice.

 

I owed Kays £498 I paid £320 more than I had to at the end of December.

 

The cheque cleared my bank account on January 5th.

 

11 days later I get a letter from Moorcroft giving me 7 days to pay £501 an extra £12 for the letter they sent cheeky sods.

 

Anyway I rang them up and told them I didn't owe £501 and that I'd paid £320 in January.

 

They asked me to send a copy of the cheque from my bank which I've done and they would hold the action while I did.

 

Anyway I rang them when I got the cheque to let them know it was in the post they said they would make a note of it and then the next day after I'd argued with a nasty piece of work on the phone who hung up when I asked to speak to his manager, I've now had an even more threatening letter sent to me. I propose on making a formal complaint to the OFT about them.

 

The problem I have is Kays don't confirm my account they say it is with Moorcroft and they say kays cannot confirm the £320 payment.

 

I've written to them and told them that until they request the correct amount I owe them then I consider the account is in dispute and I ain't paying any more.

 

I'm more than willing to pay the debt but I'll be damned if I'm going to make it easy for them after the way they treat people.

Link to post
Share on other sites

Send them the CCA letter with a quid, and don't pay them anything else until they produce.

 

I can virtually guarantee that they can't come up with the required agreements, and when they can't they're stuffed :D

Nil Illigitimus Carborundum

Link to post
Share on other sites

Hi Laney...

 

I've had loads of dealings with Moorcroft... also with Kays!

 

absolute shower who never seem to carry out what they say they will....:rolleyes:

 

You may have issues with them, as I did, so I have recently CCA'd them (and they failed to comply.. :lol: )

 

so I now refuse to deal with them, have wrote told Kays I will only deal with them directly...

 

and hit them with a nice big Penalty Charges claim at the same time..

 

Don't worry too much about Moorcroft's threats.. all mouth and no, if you get what I mean... :-)

 

Damo

NatWest - £538 charges refunded... PLUS COMPOUNDED, CONTRACTURAL, UNAUTHORISED INTEREST at 29.69%... ;-)

 

CL Finance (from GE Money) - £98.28 refunded... INCLUDING COMPOUNDED CONTRACTURAL INTEREST at 29.90%.... :-)

 

Link Financial (from GE Money) - partial refund (£247.26) from total claim of £410.03... on we go... :rolleyes:

Link to post
Share on other sites

Hi Guys,

 

I have been reading up a little on this as I also dealing with moorcroft for Littlewoods.

 

If they are unable to produce the CCA the debt is unenforceable so you don't have to pay them any more money.

 

Hope this helps

 

xx

Link to post
Share on other sites

I have sent them the CCA request and the quid payment just wait and see if they comply or not.

 

I never had taken the threats very seriously I just enjoy winding them up on the phone to be honest, but now I'm bored with them and have bigger fish to fry who I'm claiming charges back from.

 

I have also written to Kays and complained about Moorcroft and told them I will only deal with them in future direct, has I have never had any agreement with Moorcroft for them to deal with.

Wait and see there as well now.

Link to post
Share on other sites

Hi Laney

 

just a thought, but may be worth checking and seeing if Kays have charged you at any point at all (as they whack £15 on quite often at the faintest whiff of a late payment or such...)

 

Then you could claim back the charge, and maybe whack interest on at one of their lovely 100wk terms rates for good measure... (I have)

 

just a thought ;-)

 

Damo

NatWest - £538 charges refunded... PLUS COMPOUNDED, CONTRACTURAL, UNAUTHORISED INTEREST at 29.69%... ;-)

 

CL Finance (from GE Money) - £98.28 refunded... INCLUDING COMPOUNDED CONTRACTURAL INTEREST at 29.90%.... :-)

 

Link Financial (from GE Money) - partial refund (£247.26) from total claim of £410.03... on we go... :rolleyes:

Link to post
Share on other sites

I'm defiantely going to in the future Damo.

 

At the moment i'm going after Halifax and Monument so don't want to have too many claims all running at the same time.

 

Monument are really puzzling me I know they are part of barclays and on my DMP with CCCS Barclays have been really good suspended interest but Mounument haven't.

 

They have also sent me a default notice then 5 days later a letter stating if I pay £300 nowhere near the amount of the default they will creitme an extra £25. Big deal seeing has they are still charging me £24 a month in late payment and overlimint fees plus interest. The payment they get from CCCS doesn't even cover the interest every month so the debt just keeps mounting up.

 

I'm now considering a CCA request has monument used to be Providian.

Thing is if they don't have it and the debt becomes uneforcable I'm not too sure how the CCS will react regarding the DMP.

Link to post
Share on other sites

Moorcroft/Studio Cards have been hassling me for over a year for quite a small debt. They recently had their (third set of) solicitors send me a letter threatening county court action; I replied (as I always had before) that if they wanted some money, I would like them to tell me exactly what I owe and what each "charge" related to - the next thing I know, the solicitor is "off the case" and we have a door step collection agent outside - I gave the same response and they said they would send this information to me (they also claimed that they had already sent it 4 times :rolleyes: ). Still no info from them (3 weeks later) so they obviously know that the charges are crap. Moorcroft are a shower who back off as soon as they are challenged and then come at you with another tactic or under a different name. I will definitely use the forums templates now to get rid of them once and for all, but I wouldn't worry about them, they are absolutely useless.:mad:

Link to post
Share on other sites

Well the moorcroft saga continues.

 

In answer to my CCA request they have thanked me for the £1 payment which they have used to pay off on the so called debt I owe them and no mention of the CCA I asked for. IDIOTS!

 

Also no mention of the copy of the £320 cheque I sent to them with the same letter.

 

I now have 48 hours to contact them with payment attached or "they may instruct their solicitors".

 

LOL. Bring it on morons. Like I'm going to take that seriously. They have 4 days to produce before they are in default. I don't think that is going to happen some how.

Link to post
Share on other sites

  • 2 weeks later...

any update on this?

i CCA'd kays 16/2/7 via littlewoods ad.

not heard anything to date.

 

dx100uk;)

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... 

Link to post
Share on other sites

Hope you don't be jumping in on this as I am extremely concerned. Long story though.

 

My daughter owed Kays £758 back in July 2002 when she came to an arrangement with GGC Debt Recovery for £10.00 a month. This then went up to £15.00 a month then to £20.00 a month since August 2005. She now owes £131.30. I know they have added administration charges so I thought I would send GGC a CCA letter, this I did on 1st March. 7th March she received a letter from Moorcroft the usual one Pre-Court Division. This through her into an absolute state. Will now explain her mental health. In 1996 she had a "Psycotic Breakdown" since which time she has been in out of hospital. She now receives fortnightly injections which keeps her sane. The initial pressure GGC put on in March 2003 because she had missed a couple of £20 payments brought her to the point of taking an overdose.

 

Now this letter from Moorcrofts has just tipped the balance again. She is a soft touch for anyone she accepts what they say and I am worried that should any of these people contact her she will accept what they say.

 

So on the 7th March I decided to SAR Kays and to CCA Moorcrofts both recorded delivery both the fees of £10.00 and £1.00 respectively and stated that they were for information and not to be offset against the account.

 

This is where I now need help.

 

Is there anyway legal way of protecting my daughter from these DCA,s as I am worried that one may call and just may answer the door.

 

Sorry its an epic.

Link to post
Share on other sites

Short of obtaining an injunction, I can't think of a practical way.

 

Obviously if we were dealing with any civilised organisation then explaining the situation would cause them to modify their behaviour. However they've proved themselves to be vultures who regard themselves as above the law.

 

If they did put pressure on a mentally ill person it would be a clear case of harassment and easy to prove, but sadly that'd be locking the stable door after the horse has run amok crapping everywhere.

 

If you don't mind them having this information it might be worth writing to them - it may make them think twice. And at least if anything ever got as far as court you'd have proof that you'd informed them of all the facts, and they'd acted unreasonably nevertheless.

 

Sorry I can't be of any more help....

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

Link to post
Share on other sites

I CCA Moorcroft in January and they failed to comply so I have reported them to OFT.

 

Received a reply from OFT yesterday, they cant act just on one complaint alone but if they start receiving other complaints this will build up a case against them.

 

So a bit of solidarity and who knows something might get done about these *****.

 

:)

Link to post
Share on other sites

Is there anyway legal way of protecting my daughter from these DCA,s as I am worried that one may call and just may answer the door.

 

 

Very unlikely they will call at her property. Have you considered changing her address to yours so you get teh post first - if you wish to deal with this and have her permission

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Following the overdose in 2003 I had to give up my flat to move in with her as she had a young daughter to look after. The problem is when I'm not there I know what she's like anybody selling anything she buys. If anyone did call I know she would accept everything they told her. She was so upset thinking Moorcroft's were going to take her to court following there letter yesterday I spent 30 minutes explaining to her they won't.

 

I will see how I get on with Moorcroft's following my CCA, I am quite prepared to complain if necessary. Thanks for your replies.

Link to post
Share on other sites

Send them a letter, copying in the OFT and showing on the letter you are copying in the OFT, stating your daughter's condition (with her permission) and her giving them permission to deal with you only on her accounts.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

Thanks for this. I have just been discussing with her about her letting me deal directly with everyone. Reluctant because I think she feels inadequant, can see where she's coming from. I am doing her letters for her but she does see and sign them. I am just going to sit tight and see how far they go.

 

When I go out now I am pulling the plug out the phone that has temporarily solved the problem.

Link to post
Share on other sites

Perhaps you could show her this website? show eher that there are a lot of poeple out there without her problems who also find it difficukt to deal with these people and believe everything they say? perhaps taht will persuade her that it's in her best interests for these companies to deal with you - we all need some help sometimes, no matter what our health situation and it may well make your daughter feel stronger in the long run if she sees that these people can be dealt with effectively.

 

I would send them the harrassment by telephone letter as well, stating all communication must be put in writing.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

  • 2 weeks later...

This below may help you. It comes from SECTION 40 OF THE ADMINISTRATION OF JUSTICE ACT 1970.

 

Send a "signed for" letter informing them of your daughters condition. If after receiving it they continue to harrass her you can report them to the OFT as it is a criminal offence.

"Those visiting debtors must not act in an unclear or threatening manner."

 

Examples include:

  • collectors should explain the reason for any visit and give you notice of the time and date they will call;
  • they should not visit if they know you are ill or vulnerable and if they find you are unwell or distressed they should leave;
  • they should not come in if you do not want them to and should leave when you ask them to;
  • they should not visit you at work or somewhere like a hospital

Link to post
Share on other sites

Thank you for this info. I did CCA to Moorcroft who admitted they hadn't got a signed agreement and were passing it back to the original creditor. They also returned £1.00 po. I had cent a SAR to Kays who promptly banked the £10.00 don't where to though? I am now having to play the waiting game to see what happens.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...