Thanks Steven DX - Moorcroft is chasing me for a Halifax OD. I have sent 3 SARs to Halifax in the last year. They claim not to have received any of them. 2 havent been signed for, 1 has. But none of the POs were cashed. I'm asking should I bother sending another one? Moorcroft is new to this account after it was handed back to Halifax when I wrote to the last DCA (Westcot) telling them the account was in dispute.

I dont know how they got my phone number, I dont usually take calls from creditors, but it took me unawares as I have changed my number and havent had a call for some time. I was expecting a call from an estate agent and thought it was them so confirmed my name. The SAR will be going to Halifax, but as they have failed to acknowledge the last 3 I've sent I dont hold out much hope. Can someone direct me to the OFT guidelines where it says about deliberately misleading. and the debt isnt statute barred. I only stopped paying them 2 years ago.

Brilliant thank you. I am going to write a letter to Moorcroft now telling them that the dispute is valid. Do you think I should send ANOTHER SAR to halifax? Its getting very tiresome. None of the postal orders have been cashed.

I've just had a call from Moorcroft on behalf of Halifax Bank regarding an overdraft of £1500. About £1k of that is charges, I sent a Subject Access Request a year ago and had no joy. They claimed not to have received it even though it has been sent 3 times, twice not signed for, the third time it was signed for. Moorcroft have just told me that I cannot delay payment because of dispute when the reason for the dispute is charges, because the case failed and so charges are no longer classed as a valid dispute. I'm sure this is wrong but wanted to check with you guys first.

More than the £95 but it has been paying for physical things.. clothes, phone bills etc rather than giving the cash. I've told her not to do anything over the phone, not only because of proof but also because its so emotive, she just gets very upset and is likely to say / agree to something she shouldnt.

Default disappeared, still fighting the rest though.

I wasnt sure where to post this, so if this isnt the right place can someone from admin move it please. I'm posting on behalf of a friend who is in a complete state. She has 2 children, 14 and 17, both live with Dad. Up until recently (when he and current gf split up) they had an arrangement where she would pay for everything for the children.. .clothes, mobile phones, school trips, all transport costs (not just for her to see them, but all his family too). In fact everything other than food is paid for by her. She is a supply teacher, so her wages vary and she will not earn anything at all during the summer holidays, but they are never more than £500 a week. She has just heard from the CSA who have told her that she has to pay £95 a week, plus £100 a week in arrears. She has been told that the money she already pays out for her children is not relevant, the fact that they live 200 miles away, and so she has to pay travel costs isnt relevant, and that they are going to put a deductions from wages order on her. She is really in a state, she cant afford £200 a week, and she is gutted that she is being treated as though she shies away from her responsibilities to her children. The woman from the CSA was very rude and unkind and told her that they wont deal with queries in writing that everything has to be done over the phone. (I told her not to speak to them on the phone because of the pressure) What should she do? what are her rights and what is the procedure?

Good luck for tomorrow. xxx

That's fine, I just needed to know. 2 advisers have told me to put her on as she is with us for more than 52 nights a year and so would be entitled to sleeping space (which would be sharing a room with my daughter, but would change us from a 2 bed to a 3 bed) . The third told me that as I dont get child benefit for her then I dont include her. Its very confusing .

After being advised on here that I probably am not claiming all I am entitled to, I am reassessing all my benefits and just need some clarification because I keep getting different answers when I ask the benefits advisors and now I am totally confused. I live with my partner (who is disabled, higher rate living and mobility allowance) and 2 children (6 year old twins, my daughter gets middle rate disability allowance). My partner's daughter (aged 10) comes to stay with us every weekend. When applying for LHA (we are moving in July) do I include my stepdaughter on the form? as we do need somewhere for her to sleep too, and whilst the girls can share a room I wont be able to fit all 3 of them in one room.

This is exactly how I have done it, I dont understand all the complication. If they have written back to you, confirming your terms then how can they go back on it? As I said before as long as you dont rush into anything, and plan it carefully then I cant see how there can be a problem

Because we arent here to judge, we are here to advise the OP. And as already said, it doesnt matter what she may or may not have done, the company still has to follow procedure.

I have only had one accepted so far, but from what I can see, as long as you are very clear in your letter what you are offering and what conditions are attached to it, there can be no legal comeback from the creditors. I'm not suggesting they wont try it on, of course they will, they are banks and DCAs, but that doesnt mean they will get away with it. The only problems I can foresee with f & f is if someone sends off a letter without preparing properly and isnt really sure of what they are doing, wjhich is the same as most things on here. In terms of sending a cheque with the offer, I think that is a matter of personal preference. I chose not to, but thats not to say I think people who do are putting themselves at unnecessary risk. I don't. I just would prefer to have the letter in my hand from teh Oc saying "we agree to everything you say" before I hand over the cash. One thing I will add though... it's very helpful if you have got a stick to beat them with, so if there is no CCA or a faulty DN use it to give them more reason to accept. It means that you are in control and it's you doing them a favour for offering them anything. Its actually very empowering writing that letter!

Irrelevant really, regardless of what she may or may not have done, they still have to follow procedure. If they believe they have a genuine grievance then they can pursue it appropriately.

I wouldnt call Westcot honest!

Yep i've seen it, I think it was that thread that gave me the inspiration and motivation to tackle them head on.

Basically I am in the very fortunate position of not caring whether they accept it or not. I havent paid any of them for nearly 2 years, I dont think any of them are enforceable, so they have a choice, accept this and get something, or dont accept it.. get nothing and its SB in 4 years anyway. The defaults are all over a year old (Halifax OD was registered in 2006, so it will drop off anyway in 2 years). If they accept, great, if they dont I'm not scared of them anymore, there is nothing they can do to me.

No probs, I will give approx amounts because you never know who is reading. OC DCA Assigned Amount Studio Moorcroft No 450 Argos Hillsden Yes 500 Additions Lowells Yes 1500 Halifax C Card Iqor No 700 Halifax OD Westcot No 1200 Lloyds C Card Apex No 700 Lloyds OD AIC No 2000 Cap 1 Scotcall No 700 Vertbaudet Westcot No 400 The ODs are mainly made up of charges, and both have faulty DNs. All of them have registered Dns on my credit file but I didnt receive notices from Vertbaudet or Lloyds CC. The DNs i have received have ALL been faulty with the dates. Giving me from 10 days to -12 days (Halifax's remedy date was before the date on the letter) to remedy.

Regardless of whether its tooth or bone, the manufacturer has a duty of care to you, and if it was bone (unless there is a warning on the box saying there may be bones that could cause you to choke) they have still been negligent in that duty.

With DCAs

Write to the retailer including photos of the tooth.

Yeah I put that in aswell, but I also made in clear within the body of the letter that it was not admission of the debt.

I've just had a f & f accepted at 5% of the debt. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/253549-f-f-5-accepted.html i think as long as you are careful and precise about what you are offering then its not too complicated.

Fred if you do, I put in my offer letter that it was in no way to be taken as admission of liability and that I do not accept liability for the debt.

Well that was my theory when I offered it, and of course it works in favour in that I get rid of the debt and clear my credit file a little for £20