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    • I managed  to get through to northants bulk today, spoke to a lady who told me after taking my details,the case no, my address etc, that it's not one of their cases? She then asked me if I knew the total amount ,I said no.   She asked regarding the claimants name, after which she enquired as to what letter & form I had been sent, and what court had sent it.   She then informed me that because it was my local county court ( manchester) who are dealing with it they're the ones I will have to go through as she'll be " limited as to what she'll be able to say".    I have her my reasons why I've called ie obtain a copy of the judgement and the claim form, she said " the claim form when it was initially issued is not something we can send out again,but the court will be able to send you case details & I'll be able to get them through my local court,they're will be a £10 fee for copies of documents but I'll need to go through Manchester county court who have the case file"    I asked if Manchester Will have the claim form? She said no as the claim form can't be reproduced,but I'll be able to get case details which will have the information which would have been in the claim form. They will have the particulars of claim, which will tell you what the claim was about.   I asked if their is any way I can get the claim form, she responded with " the claim form can't be reproduced" but you can get case details which will the information that would have been on the claim form through Manchester county court, and a copy of the judgement will come from there too,as they are dealing with it now.   She told me the case was initially at a different county court (name indistinguishable due to bad connection) and is not a case they've dealt with, and they (northants bulk) only deal with online claims?  And mine was a manual claim, so I'm to contact Manchester,as I need to go to them direct.    So I'm kind of lost now in terms of what steps to take next.     In regards to what date was on the bailiffs letter he left it blank, and only filled in the area underneath which asked for " ref " which he filled in with one letter and one number.     Hi there   Yes I'm thinking of crossing out what I've filled in on the form and ask for a suspension on this matter as I've been the victim of identity fraud. It must have been someone from one of my temporary abodes as I did have mail sent to a couple of the addresses.   Yes I'll definitely be calling northants bulk on Monday as a matter of urgency, and will post off the form the same day too.   I'm not sure what date is on the form but I will definitely check once I'm home and update you on here.   Thank you for clarifying the abbreviation.    Hi ,just to ask, would I still be subject to the 8 day reply thing,as he's not put a date on the letter,and would you have any idea why he did that.    Many thanks
    • Hi, I managed to get through to northants bulk today, spoke to a lady who told me after taking my details,the case no, my address etc, that it's not one of their cases? She then asked me if I knew the total amount ,I said no.   She asked regarding the claimants name, after which she enquired as to what letter & form I had been sent, and what court had sent it.   She then informed me that because it was my local county court ( manchester) who are dealing with it they're the ones I will have to go through as she'll be " limited as to what she'll be able to say".    I have her my reasons why I've called ie obtain a copy of the judgement and the claim form, she said " the claim form when it was initially issued is not something we can send out again,but the court will be able to send you case details & I'll be able to get them through my local court,they're will be a £10 fee for copies of documents but I'll need to go through Manchester county court who have the case file"    I asked if Manchester Will have the claim form? She said no as the claim form can't be reproduced,but I'll be able to get case details which will have the information which would have been in the claim form. They will have the particulars of claim, which will tell you what the claim was about.   I asked if their is any way I can get the claim form, she responded with " the claim form can't be reproduced" but you can get case details which will the information that would have been on the claim form through Manchester county court, and a copy of the judgement will come from there too,as they are dealing with it now.   She told me the case was initially at a different county court (name indistinguishable due to bad connection) and is not a case they've dealt with, and they (northants bulk) only deal with online claims?  And mine was a manual claim, so I'm to contact Manchester,as I need to go to them direct.    So I'm kind of lost now in terms of what steps to take next.     In regards to what date was on the bailiffs letter he left it blank, and only filled in the area underneath which asked for " ref " which he filled in with one letter and one number.     Hi there   Yes I'm thinking of crossing out what I've filled in on the form and ask for a suspension on this matter as I've been the victim of identity fraud. It must have been someone from one of my temporary abodes as I did have mail sent to a couple of the addresses.   Yes I'll definitely be calling northants bulk on Monday as a matter of urgency, and will post off the form the same day too.   I'm not sure what date is on the form but I will definitely check once I'm home and update you on here.   Thank you for clarifying the abbreviation. 
    • OK, thanks, please do so when you have time.   If you want a good laugh, read post 14 at  https://www.consumeractiongroup.co.uk/topic/435008-smartcst-anpr-pcn-paploc-wrong-reg-hardwick-road-stockton-on-tees/?tab=comments#comment-5111577  This is a letter mainly the work of forum regular Lookinforinfo.  It contains all the legal arguments about why you're in the right.  It was sent in May after a threat by the parking company to take a motorist to court but strangely the parking company have been conspicuous by their silence since!  
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Another Argos / Moorcroft debt


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Hi again,

 

A guy at work has asked me if I can help him with his problem with Moorcroft and Argos, just like my own and many others on here.

 

The thing is, the debt is for around £275 and he has onyl had the Argos card for around 2-3 months. He received a payment book last week and from what I understand he was due to pay £15 last Thursday followed by another £80 a month.

 

How it ended up with Moorcroft after only a few months for £275 I have no idea, I don`t really care, but I dislike DCA`s just like everyone else so I said I`d lend a hand if I could.

 

I read something somewhere that the Cunsumer Credit Act 1974 had been updated in 2006. I`m not exactly sure as to what was changed but I was wondering if it`s still worthwhile send a CCA request?

 

I look forward to hearing from you all again.

 

Regards

 

 

N.P.

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Now it really depends on what was in force at the time he opened the account. I believe that CCA 06 cae into force April 2007.

I'd be inclined to go with a CCA 74 and see how it pans out.

Under CCA 06 an non-existent agreement isn't a complete defence any more as the OC can use proof of transactions as to prove/enforce the debt

Be VERY careful whose advice you listen too

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Hi Curly,

 

Thanks for that.

 

So, I`ll send a CCA 74 request to see what they send back.

 

If they send a Credit Agreement with CCA 06 back, then he is screwed, is that right?

 

What if they send back a Application Form with the wording `Regulated Under The Consumer Credit Act 06`? Is he still screwed then?

 

I know my own dealings with Morecrap and Argos are under the CCA 07 if they have one, as the account is 4 or 5 years old now.

 

Regards

 

 

N.P.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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