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    • I applied to the Court to act as litigation friend has my son is Severely Mentally Impaired and sent the proof they requested from his GP so I thought this might have been accepted without a hearing. I cannot believe the claimant is still convinced my son was the driver.
    • I had to call an ambulance for my wife, but one of the paramedics was not happy, about the condition of our house, as it's cluttered. And he  would only see to my wife, on the ambulance itself. After diagnosis they took my wife to hospital. My wife was ill for a few months, and received help from the district nurses. We then got a call from a social worker, who wanted to visit us, and discuss ways to make my wife more comfortable. When I asked for more details, she became vague, but could give us a phone number, if she visited. I politely declined her offer, as I was coping, along with my daughter in caring for my wife. Then a letter arrived from another social worker, saying similar things, to the first. I didn't bother to reply. Another letter has just turned up, from the social services legal department, which doesn't say anything specific, but refers to the other social workers trying to visit us. Coming from a legal department, has badly upset my wife, who's recovery was on going, and she now fears that someone will be coming to the house, to do whatever. Do we have to respond, or take notice of these people. Also we recently had a fire prevention officer come and fit, smoke and heat detectors. He didn't voice any concerns with the conditions at the property. Worried, Paul.
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    • 05.05.24 Ever so sorry if I have entered this in the wrong part of this website.   My grandfather is in his 70's and retired.  He asked me to help him find a work pension that he was paying into when he was working. From 1967 - 1982 he worked for a Fabric Dying Company, Celanese, Spondon Derby UK. I have already used the GOV.uk Trace Pension Scheme. It listed a few pension companies : Akzo Nobel (CPS) Pension Scheme formerly Courtaulds Pension Scheme.  I do not fully understand how this works but I think this scheme is administer by a company called Willis Tower Watson. We have called this company, got through to the pension department submitted all my grandfather's details (D.O.B. , N.I. no. etc.) but that agent tells that they have no record of my grandfather and ask what is the name of the pension scheme. Here is the problem, his home was burgalled in 2005 and a briefcase which contained his legal documents was stolen. So he does not know who was the Pension Scheme company. I have a this phone number 01332 681 210 for Celanese but it just rings and never gets answered. So I am asking for help if anyone can tell us where we can try next. I am also hoping for a massive long shot that one of them members on this website, worked for or knows someone who worked for British Celanese Spondon Derby and could tell us of any pension company. Thanks for any help.
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Moorcroft & Egg, Can Someone Help Please!


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My partner has a credit card with Egg, of which he has been late with a few payments recently, being in the process of claiming back the charges over the last six years, Egg have now passed the debt of £5234 to Moorcroft. He received a letter from Moorcroft this morning stating

'To prevent the below action (notice of intended litigation) send payment in full beofre 05/05/07 or telephone 0161 475 2803 immediately.

If you do not respond to this letter we wil assume you are purposely avoiding repayment of this debt and will take the necessary steps to secure settlement which may include issuing legal action against you. Please note if legal action is necessary your debt will increase as follows'

Basically a table underneath this states the debt will increase from £5234 to £5609 for legal costs!

It continues:

'We have also taken the opportunity to search the Land Registry which provides details of property ownership across the country. We believe that you may have an interest in the address given on this letter. If we do obtain judgement and enforcement is require you should be aware that this may be via a Charging Order on your property.'

 

My partner then rung Moorcroft and they said the only way to stop legal action is to pay £430 a month!!!!!

 

I am 5 months pregnant and will be finishing work soon, and even if this was not the case there is no way we could afford such massive payments!!!

 

Where do we stand and what shall we do next???

 

Any help would be greatly appreciated, thanks loads! x

POPPY07

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Guest ArthurP

Sure somebody better informed than I will be along very soon to advise you.

 

However, I know for a fact that plenty can be done by yourself before anything like they threaten will happen can, if at all.

 

These are mainly scare tactics and are disgusting.

 

Egg have been shown on here to be an absolute disgrace and their work practices should be investigated.

 

Do not worry at all.:)

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Hi

 

My first piece of advice is do not speak to these people on the phone write them a letter advising how much you can pay and pay it regardless of whether they accept or not.

 

In your letter advise them you will only communicate in writing and ask them not to phone your home.

 

Then send them a CCA request and watch them squerm.

 

Best of luck with the baby and everything - please do not be frightened by these people they are powerless - if you are unsure about anything post on here and you will be unindated with advice.

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Moorcroft need a CCA request.

 

Creditors and DCAs - Letter Templates & Budget Planner

 

Scroll down to Letter N and enclose a cheque for the £1 fee. Send it to Moorcroft by rec. delivery and keep the receipt. If they cannot comply with your request (which they probably can't), they will pass the account back to Egg and you can then deal with Egg directly.

 

A CCA request is for a signed copy of your Consumer Credit Agreement (Consumer Credit Act, 1974). Moorcroft have 12 days from receipt of your request to comply. After this time they cannot pursue you for payment without going to court and having the Agreement re-enforced (if they have it). If they have still not complied one month later and continue to pursue you, they can be reported to Trading Standards and the OFT for a criminal offence.

 

:)

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Poppy these guys will always threaten legal action it doesn't mean they will do it. And they could only possibly try to go for a charge against property if you have defaulted on the terms of a CCJ. So e.g if a judge agreed that all you could afford was £5 per month and you paid this then further enforcement ( charging order, bailiffs etc ) can't be applied for. Remember that DCAs like Moorcroft ARE NOT bailiffs, they have no right of entry to your property & cannot take your goods. Best of luck

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