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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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      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.

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Moorcroft and Natwest


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:) Hi would like some advise on the following. Whilst a student approx 6 years ago I borrowed £2000 from Natwest and also went overdrawn on my account that is now closed. I struggled to pay them back £20.00 a month for about three years and that barely covered the interest. When i defaulted they passed onto Moorcroft to whom i pay £40 a month.

 

After reading several threads I am now confused. It seems a lot of people ask for CCA and write off the debt or get charges back. Im confused as if I should leave it at £40.00 to Moorcorft (Interest + charges from Natwest make my debt remaining now £4104.99 and will take me 117 months to pay back) or try and get the debt reduced or written off.

 

Some advice would be welcome.

 

Thanks

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Thanks. Im am worried I will be opening a can of worms. I think Moorcroft can be bullies!!! Or should I not think that too far ahead!!?

 

Great advice from SortingItOut.

 

Can of worms??? its YOUR money.. go for it!

 

Post any replies you get or questions you may have and eveyone will help you. :)

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Send SAR to Natwest and send a CCA request to Moorcroft.

 

CCAs work differently with bank overdrafts, i am no expert, someone should be along soon.

 

To my knowledge, CCA requests do not cover overdrafts. However, with any luck Moorcroft may not realise what kind of debt is being CCA'd..... so for the cost of £1 and the rec. delivery postage, I would send one.

 

Was the other borrowing a loan ?

 

:)

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Yes, of course.... a CCA request is sent in order to determine if a Debt Collection Agency is legally allowed to pursue you for payment.

 

A SAR is sent in order to find out if any unlawful charges have been applied to the account before being passed/sold to the DCA. If so, these can be re-claimed from the original creditor, which will reduce the balance outstanding on the account.

 

:)

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  • 1 month later...

First thing you want to do is go through all the statements and look for any charges that have been applied to your account, like unauthorised overdraft charges, bounced cheques and DD's etc etc - just charges, not interest.

 

Put details of each charge (Date, reason, amount) into a spreadsheet and then you want to use one of the template letters here to make an initial demand to NatWest for your unlawful charges to be refunded.

 

I would read through this (click here) first before sending a letter though so you know the process.

 

Once you are happy with the process use can use a template letter, there a few on the site - here is one (click here) and also you might want to post any problems, questions etc in the Natwest forum (click here) as you will find people there who have had experience dealing with Natwest and can offer good advice.

 

Good luck!

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All I have is a letter saying they will suspend the account until NatWest get back to me, which they have.

 

But a set of statements isn't responding to your CCA request - the CCA request being fulfilled would enatil you getting a true copy of you original credit agreement. Until this is provided the debt is unenforceable

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It doesn't actually have to be signed to comply with the CCA request... just a copy of what you would have signed...

 

However, to stand up in court it would have to be signed, and chances are if they send you a blank copy they don't have the signed agreement.

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Im very confused about the statements they have sent me there are 100's of pages for the 2 seperate accounts.

 

Therefore to do this liogically am i just looking for charges etc and not the interest? The reason I ask as there are seperate shhets for interest which shoe about £39 a month since the account Im very confused. Help appreciated

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