message to Moorcroft Debt Recovery and their cowboy client Virgin Media - desist

Your reference: 005100103004(D-HC02)


Read this e-mail and do what it says because my patience is at an end.
Over the past few weeks I have received a large number of letters from
Virgin Media claiming I owe them money. I have received two from you
as their agent threatening litigation unless I pay this phantom debt.
Today I received another telling me that an agent will call on me
personally.

Take notice.

It is a criminal offence to harass a debtor even for a real debt. If
your client truly believes I owe any sum to Virgin Media then they/you
have a simple solution: go to the County Court and issue a writ. Do
this or don't bother me again. Ever.

If I receive any further communications from you with the exception of
an actual writ sealed by the County Court I will report your company
to the police under the Protection From Harassment Act 1997.

Just to make sure that your client gets the message I am copying this
e-mail to Usenet so that every Internet subscriber in the country can
see it. Is that clear?

Now with that caveat in mind, sod off and don't bother me again.

Yours Finally,
A Baron

"thedarkman" <(E-Mail Removed)> wrote in message
news:(E-Mail Removed) oups.com...
> Your reference: 005100103004(D-HC02)
>
>
> Read this e-mail and do what it says because my patience is at an end.
> Over the past few weeks I have received a large number of letters from
> Virgin Media claiming I owe them money. I have received two from you
> as their agent threatening litigation unless I pay this phantom debt.
> Today I received another telling me that an agent will call on me
> personally.
>
> Take notice.
>
> It is a criminal offence to harass a debtor even for a real debt. If
> your client truly believes I owe any sum to Virgin Media then they/you
> have a simple solution: go to the County Court and issue a writ. Do
> this or don't bother me again. Ever.
>
> If I receive any further communications from you with the exception of
> an actual writ sealed by the County Court I will report your company
> to the police under the Protection From Harassment Act 1997.
>
> Just to make sure that your client gets the message I am copying this
> e-mail to Usenet so that every Internet subscriber in the country can
> see it. Is that clear?
>
> Now with that caveat in mind, sod off and don't bother me again.
>
> Yours Finally,
> A Baron

Send them this letter with a £1 postal order:
------------------------------------------------------------------------------------------------------
2nd November 2007

Your Reference: 34589723489572903847520 whatever

Dear Sirs,

CCA Request:

Thank you for your recent correspondence regarding the above reference.

Please be advised that I do not acknowledge any debt to your company as I
have received no valid notification of its assignment.

I therefore require you to supply the following documentation before I will
correspond further on this matter:

a. A true copy of the alleged agreement to which you refer, as required by
section 77 &/or 78 (1) of the Consumer Credit Act 1974

b. A full statement of account. I enclose a £1 postal order in payment of
the statutory fee, Serial Number xxxxxx

c. A signed true copy of the deed of assignment of the above referenced
agreement that you allege exists should this debt be sold or assigned to
your company.

Please note that you are obliged to supply these documents, whether you are
the original creditor or not, under Section 189 of the Consumer Credit Act
1974.

Non-compliance with my request is a criminal offence under the above Act and
will result in a report being submitted to the relevant statutory
authorities.

As you are aware, a credit agreement that is not properly documented and
signed by the customer is unenforceable under the Consumer Credit Act and
therefore is a complete defence to any court claim that is issued.

Please take note at this stage that any legal action you may contemplate
will be both vigorously defended and contested.

etc.

------------------------------------------------------------------------------
They have 12 days to send you the details of assignment and if they don't
they can't enforce the debt without a court order. Moorcrofts are a bunch of
cowboys, chances are they'll get it wrong,and I doubt they read this NG.

On Nov 7, 12:13 pm, "Janitor of Lunacy" <gh...@attic.info> wrote:
> "thedarkman" <A_Ba...@ABaron.Demon.Co.UK> wrote in message
>
> news:(E-Mail Removed) oups.com...
>
>
>
>
>
> > Your reference: 005100103004(D-HC02)
>
> > Read this e-mail and do what it says because my patience is at an end.
> > Over the past few weeks I have received a large number of letters from
> > Virgin Media claiming I owe them money. I have received two from you
> > as their agent threatening litigation unless I pay this phantom debt.
> > Today I received another telling me that an agent will call on me
> > personally.
>
> > Take notice.
>
> > It is a criminal offence to harass a debtor even for a real debt. If
> > your client truly believes I owe any sum to Virgin Media then they/you
> > have a simple solution: go to the County Court and issue a writ. Do
> > this or don't bother me again. Ever.
>
> > If I receive any further communications from you with the exception of
> > an actual writ sealed by the County Court I will report your company
> > to the police under the Protection From Harassment Act 1997.
>
> > Just to make sure that your client gets the message I am copying this
> > e-mail to Usenet so that every Internet subscriber in the country can
> > see it. Is that clear?
>
> > Now with that caveat in mind, sod off and don't bother me again.
>
> > Yours Finally,
> > A Baron
>
> Send them this letter with a £1 postal order:
> ---------------------------------------------------------------------------*---------------------------
> 2nd November 2007
>
> Your Reference: 34589723489572903847520 whatever
>
> Dear Sirs,
>
> CCA Request:
>
> Thank you for your recent correspondence regarding the above reference.
>
> Please be advised that I do not acknowledge any debt to your company as I
> have received no valid notification of its assignment.
>
> I therefore require you to supply the following documentation before I will
> correspond further on this matter:
>
> a. A true copy of the alleged agreement to which you refer, as required by
> section 77 &/or 78 (1) of the Consumer Credit Act 1974
>
> b. A full statement of account. I enclose a £1 postal order in payment of
> the statutory fee, Serial Number xxxxxx
>
> c. A signed true copy of the deed of assignment of the above referenced
> agreement that you allege exists should this debt be sold or assigned to
> your company.
>
> Please note that you are obliged to supply these documents, whether you are
> the original creditor or not, under Section 189 of the Consumer Credit Act
> 1974.
>
> Non-compliance with my request is a criminal offence under the above Act and
> will result in a report being submitted to the relevant statutory
> authorities.
>
> As you are aware, a credit agreement that is not properly documented and
> signed by the customer is unenforceable under the Consumer Credit Act and
> therefore is a complete defence to any court claim that is issued.
>
> Please take note at this stage that any legal action you may contemplate
> will be both vigorously defended and contested.
>
> etc.
>
> ---------------------------------------------------------------------------*---
> They have 12 days to send you the details of assignment and if they don't
> they can't enforce the debt without a court order. Moorcrofts are a bunchof
> cowboys, chances are they'll get it wrong,and I doubt they read this NG.-Hide quoted text -
>
> - Show quoted text -

What a stupid reply, if you owe the money its going to cost you more
time and effort and money if you follow this clowns advise and then
youre going to look pretty mean if the judgement goes against you, far
better to ignore them if you dont owe the money or pay up if you do.

In message <(E-Mail Removed). com>, Tony.
<(E-Mail Removed)> writes
>On Nov 7, 12:13 pm, "Janitor of Lunacy" <gh...@attic.info> wrote:
>> "thedarkman" <A_Ba...@ABaron.Demon.Co.UK> wrote in message
>>
>> news:(E-Mail Removed) oups.com...
>>
>>
>>
>>
>>
>> > Your reference: 005100103004(D-HC02)
>>
>> > Read this e-mail and do what it says because my patience is at an end.
>> > Over the past few weeks I have received a large number of letters from
>> > Virgin Media claiming I owe them money. I have received two from you
>> > as their agent threatening litigation unless I pay this phantom debt.
>> > Today I received another telling me that an agent will call on me
>> > personally.
>>
>> > Take notice.
>>
>> > It is a criminal offence to harass a debtor even for a real debt. If
>> > your client truly believes I owe any sum to Virgin Media then they/you
>> > have a simple solution: go to the County Court and issue a writ. Do
>> > this or don't bother me again. Ever.
>>
>> > If I receive any further communications from you with the exception of
>> > an actual writ sealed by the County Court I will report your company
>> > to the police under the Protection From Harassment Act 1997.
>>
>> > Just to make sure that your client gets the message I am copying this
>> > e-mail to Usenet so that every Internet subscriber in the country can
>> > see it. Is that clear?
>>
>> > Now with that caveat in mind, sod off and don't bother me again.
>>
>> > Yours Finally,
>> > A Baron
>>
>> Send them this letter with a £1 postal order:
>>
>>-----------------------------------------------------------------------
>>----*---------------------------
>> 2nd November 2007
>>
>> Your Reference: 34589723489572903847520 whatever
>>
>> Dear Sirs,
>>
>> CCA Request:
>>
>> Thank you for your recent correspondence regarding the above reference.
>>
>> Please be advised that I do not acknowledge any debt to your company as I
>> have received no valid notification of its assignment.
>>
>> I therefore require you to supply the following documentation before I will
>> correspond further on this matter:
>>
>> a. A true copy of the alleged agreement to which you refer, as required by
>> section 77 &/or 78 (1) of the Consumer Credit Act 1974
>>
>> b. A full statement of account. I enclose a £1 postal order in payment of
>> the statutory fee, Serial Number xxxxxx
>>
>> c. A signed true copy of the deed of assignment of the above referenced
>> agreement that you allege exists should this debt be sold or assigned to
>> your company.
>>
>> Please note that you are obliged to supply these documents, whether you are
>> the original creditor or not, under Section 189 of the Consumer Credit Act
>> 1974.
>>
>> Non-compliance with my request is a criminal offence under the above Act and
>> will result in a report being submitted to the relevant statutory
>> authorities.
>>
>> As you are aware, a credit agreement that is not properly documented and
>> signed by the customer is unenforceable under the Consumer Credit Act and
>> therefore is a complete defence to any court claim that is issued.
>>
>> Please take note at this stage that any legal action you may contemplate
>> will be both vigorously defended and contested.
>>
>> etc.
>>
>>
>>-----------------------------------------------------------------------
>>----*---
>> They have 12 days to send you the details of assignment and if they don't
>> they can't enforce the debt without a court order. Moorcrofts are a bunch of
>> cowboys, chances are they'll get it wrong,and I doubt they read this
>>NG.- Hide quoted text -
>>
>> - Show quoted text -
>
>What a stupid reply, if you owe the money its going to cost you more
>time and effort and money if you follow this clowns advise and then
>youre going to look pretty mean if the judgement goes against you, far
>better to ignore them if you dont owe the money or pay up if you do.
>

Having been in the situation of being harassed by Moorcroft over a debt
to VM (then NTL) that I did not owe, I simply wrote to Moorcroft
advising them that I disputed the debt and would forward all future
correspondence to the OFT. I also advised them that if a collector
called, I reserved the right to video tape the doorstep encounter for
use in court.

My final paragraph demanded that they issue proceedings in the County
Court without delay. I heard no more from them and that was 3 years ago.

--
Regards
Phil
http://www.lastchoiceairways.org.uk

"thedarkman" <(E-Mail Removed)> wrote in message
news:(E-Mail Removed) oups.com...
> Your reference: 005100103004(D-HC02)
>
>
> Read this e-mail and do what it says because my patience is at an end.
> Over the past few weeks I have received a large number of letters from
> Virgin Media claiming I owe them money. I have received two from you
> as their agent threatening litigation unless I pay this phantom debt.
> Today I received another telling me that an agent will call on me
> personally.
>
> Take notice.
>
> It is a criminal offence to harass a debtor even for a real debt. If
> your client truly believes I owe any sum to Virgin Media then they/you
> have a simple solution: go to the County Court and issue a writ. Do
> this or don't bother me again. Ever.
>
> If I receive any further communications from you with the exception of
> an actual writ sealed by the County Court I will report your company
> to the police under the Protection From Harassment Act 1997.
>
> Just to make sure that your client gets the message I am copying this
> e-mail to Usenet so that every Internet subscriber in the country can
> see it. Is that clear?
>
> Now with that caveat in mind, sod off and don't bother me again.
>
> Yours Finally,
> A Baron
>

There's hundreds of people in the same situation regarding Moorcroft. See
http://www.blagger.com and search for Moorcroft.

A Baron, don't give up. You are doing the right thing. The best thing to do
is to advise them that every letter or phone call from them will incur a
cost of £100 admin fee. Then then next time they write to you, complain to
the police for harrassment but also knock up an invoice for £100 and send it
to them (by fax, email as well as post).

"Tony." <(E-Mail Removed)> wrote in message
news:(E-Mail Removed) ups.com...

>What a stupid reply, if you owe the money its going to cost you more
>time and effort and money if you follow this clowns advise and then
>youre going to look pretty mean if the judgement goes against you, far
>better to ignore them if you dont owe the money or pay up if you do.

Sounds like a good appraoch, but one I would have to disagree partly with.

When we movced to our current address we kept getting thretening letters for
the previous occupant. I wrote to, and phoned, all the companies who sent
the letters advising we had just bought the house, and giving them the
solicitors address of the previous occupant (which was all we had).

We still had debt collectors knocking at the door, some of whom were quite
threatening. They seemed to think I had to prove I was not the person they
thought I was. They were all escorted from the premises with warnings of
calling the Police, but the sheer inconvenice and annoyance is enough for me
to be more bloody mided in future.

Cap'n Jack

I've found the simplest way of dealing with Virgin's debt collection
people is to pay immediately what they say you owe and then issue
small claims proceedings against Virgin. Neither the debt collectors
nor Virgin are remotley interest in engaging with your complaints.
Their brief is just to make your life a misery by nagging and
harrassing you until you pay. Paying saves weeks or months of nagging.
Suing Virgin gets their attention and clears the matter up (and gives
me a great deal of satisfaction!). Filling in a small claim form
online takes about five minutes, and if you have any case Virgin won't
defend it.

On 7 Nov, 13:01, martin_pentre...@hotmail.com wrote:
> I've found the simplest way of dealing with Virgin's debt collection
> people is to pay immediately what they say you owe and then issue
> small claims proceedings against Virgin. Neither the debt collectors
> nor Virgin are remotley interest in engaging with your complaints.
> Their brief is just to make your life a misery by nagging and
> harrassing you until you pay. Paying saves weeks or months of nagging.
> Suing Virgin gets their attention and clears the matter up (and gives
> me a great deal of satisfaction!). Filling in a small claim form
> online takes about five minutes, and if you have any case Virgin won't
> defend it.

But how do you go about collecting your money when the judge decides
you have won?

Are you putting the bailliffs in or are you getting payed anyway?

--
Chill out with a cool sheikh.

On 7 Nov, 13:01, martin_pentre...@hotmail.com wrote:
> I've found the simplest way of dealing with Virgin's debt collection
> people is to pay immediately what they say you owe and then issue
> small claims proceedings against Virgin. Neither the debt collectors
> nor Virgin are remotley interest in engaging with your complaints.
> Their brief is just to make your life a misery by nagging and
> harrassing you until you pay. Paying saves weeks or months of nagging.
> Suing Virgin gets their attention and clears the matter up (and gives
> me a great deal of satisfaction!). Filling in a small claim form
> online takes about five minutes, and if you have any case Virgin won't
> defend it.

Surely paying a disputed debt is equivalent to acknowledging it, and
therefore scuppering any defence against it ?

On 7 Nov, 14:57, Jethro <jethro...@hotmail.com> wrote:
> On 7 Nov, 13:01, martin_pentre...@hotmail.com wrote:
>
> > I've found the simplest way of dealing with Virgin's debt collection
> > people is to pay immediately what they say you owe and then issue
> > small claims proceedings against Virgin. Neither the debt collectors
> > nor Virgin are remotley interest in engaging with your complaints.
> > Their brief is just to make your life a misery by nagging and
> > harrassing you until you pay. Paying saves weeks or months of nagging.
> > Suing Virgin gets their attention and clears the matter up (and gives
> > me a great deal of satisfaction!). Filling in a small claim form
> > online takes about five minutes, and if you have any case Virgin won't
> > defend it.

> Surely paying a disputed debt is equivalent to acknowledging it, and
> therefore scuppering any defence against it ?

Exactly. Not very sensible advice. The better option is to tel them
that you aren't going to entertain any further correspondence etc on
the point unless the sue you.