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    • Theguy2018
    • By Theguy2018 12th Oct 18, 6:54 PM
    • 4Posts
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    Theguy2018
    Moriartylaw letter received today
    • #1
    • 12th Oct 18, 6:54 PM
    Moriartylaw letter received today 12th Oct 18 at 6:54 PM
    ]Recieved this letter today for a debt I know nothing about nothing showing on credit score websites Amy tips on what to next tia

    i67.tinypic.com/2ni2ref.jpg
Page 1
    • CakeCrusader
    • By CakeCrusader 12th Oct 18, 7:25 PM
    • 571 Posts
    • 290 Thanks
    CakeCrusader
    • #2
    • 12th Oct 18, 7:25 PM
    • #2
    • 12th Oct 18, 7:25 PM
    The company they refer to is an insurance company, you'll need to think back to try to remember if you've ever taken out any car/van insurance and cancelled it before it's due for renewal.



    Your first step is to send them a 'prove it' letter, there's one here; https://forums.moneysavingexpert.com/showthread.php?t=2607247 Wait to see what they come back with. Don't worry about the letter too much, it's just saying "if" we take you to court the fees are..., they aren't saying they will take you to court. Send them the prove it letter, don't sign it though.
    • Theguy2018
    • By Theguy2018 13th Oct 18, 4:02 PM
    • 4 Posts
    • 0 Thanks
    Theguy2018
    • #3
    • 13th Oct 18, 4:02 PM
    • #3
    • 13th Oct 18, 4:02 PM
    Thanks for your response looked back and think itís off cancelled car insurance that I paid a massive deposit on never known any one owe money of cancelling car insurance. Found a article saying why not to pay them all about how the my forge court letters etc do you think this a step to take ?
    • sourcrates
    • By sourcrates 13th Oct 18, 4:21 PM
    • 15,550 Posts
    • 14,632 Thanks
    sourcrates
    • #4
    • 13th Oct 18, 4:21 PM
    • #4
    • 13th Oct 18, 4:21 PM
    Thanks for your response looked back and think it’s off cancelled car insurance that I paid a massive deposit on never known any one owe money of cancelling car insurance. Found a article saying why not to pay them all about how the my forge court letters etc do you think this a step to take ?
    Originally posted by Theguy2018

    No, forget about whimsical magic solutions, there is a process to follow now, as a first step, just send the "provit" letter and see what they come back to you with.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • Gary_Dexter
    • By Gary_Dexter 13th Oct 18, 4:33 PM
    • 2,378 Posts
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    Gary_Dexter
    • #5
    • 13th Oct 18, 4:33 PM
    • #5
    • 13th Oct 18, 4:33 PM
    If you cancel car insurance youíre still liable for the remainder of the term to pay.

    Iím guessing you didnít
    • Theguy2018
    • By Theguy2018 13th Oct 18, 4:36 PM
    • 4 Posts
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    Theguy2018
    • #6
    • 13th Oct 18, 4:36 PM
    • #6
    • 13th Oct 18, 4:36 PM
    Tried to bump my premium up to £600 a month without any notice donít think you would pay the rest if they were asking for that
    • Theguy2018
    • By Theguy2018 13th Oct 18, 4:39 PM
    • 4 Posts
    • 0 Thanks
    Theguy2018
    • #7
    • 13th Oct 18, 4:39 PM
    • #7
    • 13th Oct 18, 4:39 PM
    Would emailing them the letter be ok ?
    • CakeCrusader
    • By CakeCrusader 13th Oct 18, 4:50 PM
    • 571 Posts
    • 290 Thanks
    CakeCrusader
    • #8
    • 13th Oct 18, 4:50 PM
    • #8
    • 13th Oct 18, 4:50 PM
    You still have to cancel things the right way, even if the other party's being unreasonable, you can't just stop a direct debit and hope they take the hint.



    Do you really want this collections company to know your email address? Through the post (and to be signed for) is the best way.
    • Gary_Dexter
    • By Gary_Dexter 13th Oct 18, 5:01 PM
    • 2,378 Posts
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    Gary_Dexter
    • #9
    • 13th Oct 18, 5:01 PM
    • #9
    • 13th Oct 18, 5:01 PM
    You won’t have a leg to stand on then.

    The debt stands as you refused to pay something you were contractually obliged to.
    • fatbelly
    • By fatbelly 13th Oct 18, 5:05 PM
    • 12,822 Posts
    • 9,894 Thanks
    fatbelly
    The others may have advised before looking at your letter.

    Your link is here

    http://tinypic.com/view.php?pic=2ni2ref&s=9#.W8IU1pWWzIU

    This is a formal pre-action protocol letter and you must now stick to the process.

    Debt camel has guidance here

    https://debtcamel.co.uk/letter-before-claim-ccj/

    and she recommends that the safe choice is to tick Box C and ask for as much as possible in Box H. Use the reply envelope to send it back, keep a copy and send it signed for.

    Now what you would ask for in an insurance debt is debatable. The helpful list says

    A copy of the written contract for the debt; A full statement of account, including details of all interest and charges included on the outstanding balance of the debt, explaining how they have been calculated, and any payments already made toward the debt; a calculation of the interest claimed; the annual or daily rate of interest; a description of the nature and amount of any administrative charges included in the debt; a copy of the notice of assignment of the debt

    I'd ask for the lot and see what comes back.

    Should you get an actual claim form, as seems likely, you would get best help from

    https://legalbeagles.info/forums/forum/legal-forums/court-claims-and-issues/received-a-court-claim?105-Received-a-Court-Claim=
    • sourcrates
    • By sourcrates 13th Oct 18, 5:23 PM
    • 15,550 Posts
    • 14,632 Thanks
    sourcrates
    The others may have advised before looking at your letter.

    Your link is here

    http://tinypic.com/view.php?pic=2ni2ref&s=9#.W8IU1pWWzIU

    This is a formal pre-action protocol letter and you must now stick to the process.

    Debt camel has guidance here

    https://debtcamel.co.uk/letter-before-claim-ccj/

    and she recommends that the safe choice is to tick Box C and ask for as much as possible in Box H. Use the reply envelope to send it back, keep a copy and send it signed for.

    Now what you would ask for in an insurance debt is debatable. The helpful list says

    A copy of the written contract for the debt; A full statement of account, including details of all interest and charges included on the outstanding balance of the debt, explaining how they have been calculated, and any payments already made toward the debt; a calculation of the interest claimed; the annual or daily rate of interest; a description of the nature and amount of any administrative charges included in the debt; a copy of the notice of assignment of the debt

    I'd ask for the lot and see what comes back.

    Should you get an actual claim form, as seems likely, you would get best help from

    https://legalbeagles.info/forums/forum/legal-forums/court-claims-and-issues/received-a-court-claim?105-Received-a-Court-Claim=
    Originally posted by fatbelly

    Yep, good pick up FB.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
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