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    • Make sure the WS is sent 14 days before the hearing. You can e-mail the court theirs.  In the subject line put the case number, the names of the parties and "Witness Statement".  Obviously click on "Return Receipt". Send Simple Simon his by 2nd class post - all VCS are worth - and get a free Certificate of Posting from the post office.
    • The outlet is in Camden Town and was set up in 2006, a year after my husband established the business, in addition to selling at exhibitions, online, shows, events, and having licensing agreements in some places overseas.  The only thing I have stopped doing since I got ill is the physical stuff, which I’m working on. The business has not changed name or anything like that either. I’m not sure where the original contract with Camden is but the management must still have it. My husband died in Jan 2017, and until Sept 2018, I would take the stock in every week; after that I was sending it in by post. I went in now and then when possible to re-do the display but that was about it. No one had access to any files until 2020. Moved house in 2020 thought would have to pull it all, Covid had just hit as well. The person in question said he would be interested in taking over and paying the rent etc. so I said I would let him sell the pictures for nothing as long as he would ‘keep it warm’ for me.  Obviously, everywhere was closed for lockdown. During this time I was working out how to go forward.  In May 2022 I told him I couldn’t  give anything away for free anymore, and put in place the wholesale agreement.  I’ve disregarded any discrepancies from before this date. I sent over the jpgs electronically, so I’ve still got them too. He hasn’t got any original files like .psds negatives or memory cards etc, I’ve got proof of all ownership/copyright. A co-op is whereby a small number of neighbours work on a rotational basis so they each of them can have time off, that way everyone doesn’t need to be there at the same time, he had never been an employee of mine.  The only reason I allowed him to have the files in the first place as I didn’t want to lose that side of the business.  It’s a good, constant source of income. However, the rent was becoming crippling as I believed there was something fishy going on well before this as there’s so much cash dealt with there, and I couldn’t go in regularly in person, and I’m sure sales weren’t being recorded properly and cash was being pocketed. My husband was too busy to be doing any stock control properly, he wasn't really into paperwork, and the guy who was ‘helping’ me after my husband's death, was making things very difficult for me to implement a solid stock control system by refusing to co-operate on simple things like using email etc. which I thought was a smokescreen, so I severed ties with him just before I made the agreement in question. I sent about 100 images, jpg files, sent via We Transfer. I’ve got the confirmation of which files were sent with dates. I will have to go through closed bank accounts and previous tax returns to get a proper estimate.   Before I made this agreement, I was selling retail there, this is a wholesale agreement so I’ll have to do some calculations but it is definitely in the thousands.  I haven’t got his his home address, and I don't think he's got any sizeable assets. I’m also worried that he might send the files overseas and start selling them there. I know he’s not stupid enough to sell them online. He knows for sure how serious this is, but he’s been chancing it and thinks I’m stupid, if not soft and stupid. I don’t know if this would work but I am thinking that when he does contact me, I tell him we need to talk, tell him I know what he’s been up to, and strongly urge him not to order any more prints from wherever he is having them printed because it will make things much worse for him if he does. Then when I do tell him about the gravity of the situation, maybe a few days later, I think it will scare him into complying because the consequences definitely trump the few quid he thinks he is saving by getting his own printing done. Tell him an amount that I want back for lost revenue, and make it clear that if he doesn’t destroy the files and if I find out he is still doing it at any point down the line, I will seek prosecution for copyright infringement and fraud, which I will. I don’t know how I can enforce any of this without involving the courts though. I will be able to tell, though, and he will know this. And the only reason I am doing this now rather than before, is that I couldn’t prove anything until now.  It was screamingly obvious from the beginning though, as he wasn’t ordering enough from me to pay the rent, let alone make a profit. If I decided to come down like him lie a ton of bricks straight away, how would I go about a cease and desist, would I have to get one from the court? And what do I do about the stock he currently holds? It has also occurred to me that he might file for bankruptcy or similar if things get heavy, where would that leave me? I could put the feelers out for a brand-new person to take it on, obviously without giving them access to files, that is an option. But that comes with its own set of issues. Also, would there be any implications for me, if I kept quiet for now? Let him order again from me as if nothing has happened, as it will be any day and I want to get all my ducks in a row first ideally….   Thanks again
    • I’ve also just realised their online website they’ve got 12 photographs of my vehicle, including close ups of the inside?? Not sure why that’s relevant.  The time stamp on the first photo is 13:57, the PCN incident time is 14:12. 
    • I’m tempted to send a letter to the company outlining the reasons why I think their PCN is illegitimate. I guess will technically be an appeal.  Their documentation states they won’t discuss over phone, I also don’t want them to have my email address.    re signage on entrance, having looked at land registry, the whole road is private, and when you turn into the road off the highway, there is a sign on the lamppost about 20m in, again not noticeable and on the other side of the road.  I feel like I am in a difficult position with this, I understand that I may have a good chance of not having to pay, but at the same token the stress this is already causing me makes me feel like it’s not worth the £60!
    • Well done with the photo. Of course the signage is insufficient.  PPM are not interested in competent management of a car park, they are interested in catching drivers out so they can issue their PCNs. For a start, according to their trade associations' Codes of Practice, they are supposed to have signage at the entrance. Any e-mail reply from the company and whether they will/won't/can/can't get the invoice cancelled?    
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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PLEASE HELP!!! Moorcroft


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Hi,

 

Please help I am very stuck!!! About a year and a half ago i defaulted with t-mobile. They referred me over to moorcroft debt recovery and I paid off the debt in 3 months. Now recently when i applied for credit I was refused so i took at look at my credit report and found that it still says i owe t-mobile £250!!! Now as I dont have the moorcroft reference number anymore as it was a good while ago, moorcroft explained there is no way of finding me without it? now even if i do sort it out due to moorcroft not passing the money on to t-mobile it will still show on my credit record that i have not paid it for 1 and a half years? Is there anything legally i can do about this?

 

Please help

 

Many thanks

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Hi,

 

Please help I am very stuck!!! About a year and a half ago i defaulted with t-mobile. They referred me over to moorcroft debt recovery and I paid off the debt in 3 months. Now recently when i applied for credit I was refused so i took at look at my credit report and found that it still says i owe t-mobile £250!!! Now as I dont have the moorcroft reference number anymore as it was a good while ago, moorcroft explained there is no way of finding me without it? now even if i do sort it out due to moorcroft not passing the money on to t-mobile it will still show on my credit record that i have not paid it for 1 and a half years? Is there anything legally i can do about this?

 

Please help

 

Many thanks

bump

Just hate every DCA out there

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Hello, is there a referance on your credit file for it?

if not get in touch with T-Mobile and ask what their reference number was, and go from there, Moorcroft will be able to find you, they just won't want to bother, so when you find this info out, do a data protection request on them.

 

Good luck, for what it's worth I found moorcroft don't care, once they have your money.

Saxon

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Hello, is there a referance on your credit file for it?

if not get in touch with T-Mobile and ask what their reference number was, and go from there, Moorcroft will be able to find you, they just won't want to bother, so when you find this info out, do a data protection request on them.

 

Good luck, for what it's worth I found moorcroft don't care, once they have your money.

 

Hi, thanks for the reply.

They managed to find me after another 10 minute call of arguements! Anyway, they said i have paid up along time ago and are going to send me a settlement certificate. But as far as t-mobile are concerned, they have never recieved the money from moorcroft? The main problem is that this has been on my file all these years without me knowing and has effected my credit rating badly as I have found out the hard way. Is there anything i can do in terms of claiming against them for this?

 

Thanks

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Hello, make sure you hound moorcroft til you get this letter, then copy it and send it to t-mobile. you can ask them to remove the default as you have paid the account a long time ago, they may or may not do this all you can do is ask.

 

As for them not recieving any funds from moorcroft, t-mobile need to take that up with them.

 

Someone else with more knowledge may offer alternitive advice or how to proceed if t-mobile aren't playing nice with you.

 

Again good luck.

Saxon

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Sounds like Moorcroft bought the debt, which means it would have had nothing to do with t-mobile from that moent one.... and they kept the money for themselves.

 

Once you have the settlement certificate from T-mobile, come back on here for advice on how to approach Moorcroft.

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  • 3 months later...

Is is actually legal to buy a debt ? - I have a catalogue debt that has been 'sold' (by their admittance) to Moorcroft who are continually hassling me. Surely my debt is with the catalogue and not a collection agent. !

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Sounds like Moorcroft bought the debt, which means it would have had nothing to do with t-mobile from that moent one.... and they kept the money for themselves.

 

Once you have the settlement certificate from T-mobile, come back on here for advice on how to approach Moorcroft.

 

 

If thats the case (collectors buying the debt) then why when they introduce themselves do they say (i.e) Moorcroft on behalf of 'whoever' ??

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If thats the case (collectors buying the debt) then why when they introduce themselves do they say (i.e) Moorcroft on behalf of 'whoever' ??

 

Who knows.. ? I know for a fact that Moorcroft have bought one of mine because it says so in the SAR info from the OC.... yet they are continually telling me that they are going back to their client for this and for that....

 

As for a catalogue debt... CCA Moorcroft (rec. delivery). It is highly unlikely that they will have it because most catalogues don't issue them in the first place. This makes the debt unenforceable in court.

 

;)

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OFT Guidelines would seem to cover Moorcroft's 'on behalf of' when in fact they own the debt:

 

Para 2.2© those contacting debtors not making it clear who they are, who they work for, what their role is, what the purpose of the contact is

 

Then again, they employ utter cretins, so it's most likely to be simple stupidity and poor business practice on their part rather than a deliberate attempt to mislead.

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Guest Mincemeat

There are two types of purchase of debt. One where the DCA buys everything, the other where the DCA buys it, but if they are unsuccessful, they can give it back. They also can just work for the original creditor.

 

You are never actually going to find out the status of this relationship until you get a judge to order disclosure.

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OFT Guidelines would seem to cover Moorcroft's 'on behalf of' when in fact they own the debt:

 

 

 

Then again, they employ utter cretins, so it's most likely to be simple stupidity and poor business practice on their part rather than a deliberate attempt to mislead.

 

 

You are right about them being cretins,. i was once informed (by a potential bailiff) that he wrote off someones debts by sleeping with them !! :o

Any possibility of a link to the OFT section youve quoted ? Thanks

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Today I have received in the post a letter from Moorcroft (Pre court division)

Titled. '' Notice of Intended Litigation'

To prevent the above action send payment in full before 26/5/07 or telephone.......immediately.

If you do not respond to this we will assume you are purposedly avoiding repayment ofd this debt and will take the necessary steps to secure settlement which may include issuing legal action against. Please note if legal action is necessarty your debt will increase as follows:- It then gives varying amounts for things such as court fees, solicitors costs etc.. totally £115 (on top of original debt)

I had called them 2 weels ago and was told that 'i had to' pay £30 a month, I explained that it was too much for someone on Job seekers allowance, they insisted that was the amount that they required.

Do I call them and say im in the process of obtaining a CCA from them (posted yesterday) or ignore the letter.

Thanks in advance for any reply.

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If you sent the CCA by rec. delivery... then check to see if it's been delivered. There is a no. on the back of the slip... which tends to be more reliable than the RM website.

 

If it's been received.... ignore their letter ;) . They need to respond to your request within a legal timeframe and should be well aware of their responsibilities under CCA law. If the 12 working day default passes without them sending you an Agreement... then they can be reported to the OFT for a criminal offence if they continue to harrass/threaten you with legal action.... over an unsubstantiated debt.

 

:)

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If you sent the CCA by rec. delivery... then check to see if it's been delivered. There is a no. on the back of the slip... which tends to be more reliable than the RM website.

 

If it's been received.... ignore their letter ;) . They need to respond to your request within a legal timeframe and should be well aware of their responsibilities under CCA law. If the 12 working day default passes without them sending you an Agreement... then they can be reported to the OFT for a criminal offence if they continue to harrass/threaten you with legal action.... over an unsubstantiated debt.

 

:)

 

Thanks for replying

I would imagine that the CCA request has crossed in the post with their letter me.. I think i'll wait a few days then check to see if the request has been received and then sit tight and wait and see what happens.

Im not disputing that I owe the amount, just that their ways and means of obtaining unreasonable payment from me is not justified... They want to play games, im all for it.. I can play too. :)

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Guest Mincemeat

I've had a number of letters from their pre-court division over the years. Hang tough, things are not as desperate as they (obviously) try and make out. Wait for the CCA response (if any) and, as this is from a catalogue account, the chances are you'll get your cheque / PO back from them stating it has been passed back to their client.

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I've had a number of letters from their pre-court division over the years. Hang tough, things are not as desperate as they (obviously) try and make out. Wait for the CCA response (if any) and, as this is from a catalogue account, the chances are you'll get your cheque / PO back from them stating it has been passed back to their client.

 

 

According to Moorcroft this has already been referred to court in January. I had previously agreed to pay the catalogue £5 a week (was made unemployed shortly before hence the repayments) and defaulted on it.

Moorcroft also told me id filled in one of there expenditure forms and sent it back (dont rcall doing this) and theyd agreed to £5 a month again, which i dont remember either (old age maybe?) Anyway, have come to yet another agreement with them to pay the £20 arrears and then £5 a month thereafter. I guess its got to be paid one way or another.

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bit of advice

 

catalogue debts are largely unenforceable, as you are not required to sign a CCA before you buy from them

 

there is no way that moorcroft will comply with your CCA request, as the document you have requested does not exist ;)

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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bit of advice

 

catalogue debts are largely unenforceable, as you are not required to sign a CCA before you buy from them

 

there is no way that moorcroft will comply with your CCA request, as the document you have requested does not exist ;)

 

 

So does that mean i dont have to comply with their payment request, despite the fact that its been to court (they say) and they have accepted £5 monthly payments that I defaulted on. ?

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Have Moorcroft taken you to court for a CCJ on this debt ?

 

 

According to them yes. I may have filled in one of those forms stating my outgoings etc but i truly dont remember just how official it was (could i request copies) ? the first i recall of moorcroft is them posting something thru the letterbox stating a rep had called. The debt is with Next catalogue, i called them earlier this week and they said the debt had been sold onto moorcroft but moorcroft say they are acting on behalf of next.

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This is typical Moocroft.Just ignore any communication from them wshich does not respond to your CCA request. You can write to them after they have been in default for 30 days telling them that you are suspending payment until they provide your CCA and ask a judge to enforce it.

:lol:
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This is typical Moocroft.Just ignore any communication from them wshich does not respond to your CCA request. You can write to them after they have been in default for 30 days telling them that you are suspending payment until they provide your CCA and ask a judge to enforce it.

 

 

Even though (according to them) its been to court once already ?

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Guest Mincemeat

I'd ask for them to put the fact it has been in court to the test by providing the reference number you can check on-line. Also, as you are unaware of any court action, you will be petitioning to the court for a set aside. If they did have a court order the bailifs would have been round about two months ago.

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