Moriarty Law

by petesomething Mon Feb 11, 2019 11:44 pm

Hi, I am no longer an Admin,

I would like to say well done to paymydues2 who also had a win .

I thought my days of DCA's chasing me were over, about 6 months ago a debt collection firm called Merligen Investments Limited started writing to me, but I was too busy and had no time for them. I was dealing with my wife's Spouse Visa.

But my advice is never ignore any debt collection letters, start by sending them the 3 letters, or there is a good chance they will pass it onto solicitors which may lead to court proceedings. You want to stop them before you get to this stage.

On the 7th November 2018, Moriarty Law wrote to me of claim pursuant to the provision of the Pre-Action Protocol for Debt Claims. I did not reply, I knew I still had time. Then on the 26th November 2018, I had a Final Demand Before Proceedings, so now I have to reply.

The first letter I sent was on the 3rd December 2018, I got a reply on the 17th December 2018 giving me 30 days. Then I responded with my second letter on the 15th January 2019, then on the 4th February 2019 I had a letter from Moriarty Law with a zero balance and no longer instructed in connection with this matter.

If anyone wants to see the letters I sent, I can post them at a later date.

This was in connection with PPI Claims Advisory Group, please note you do not have to use these people, you can do it yourself like I should have.

This was not a loan, so it does not come under the Consumer Credit Act and it was No Win No Fee. The solicitors sent me a signed contract and letters from Claims Advisory Group, but this was not enough for them to win in court.

This may have been a small win, but it is a win. I will put this letter with my others with zero balance.

If I can do it, you can do it.

Attachments

: Moriarty Law Letter.jpg Zero Balance LetterYou don't have permission to download attachments.(795 Kb) Downloaded 15 times

by Aitch Wed Apr 17, 2019 3:06 pm

Hi there,
Thank you for sharing this information. I too received letters much the same as paymydues2 in November and have heard nothing since.
My circumstances are a bit different though. I had been paying them through a CPA on my debit card every month, something which continued until February this year when it just stopped.
I did some digging in December to discover that CAG had their authorisation by the Claims Management Regulator removed in July 2018, which I imagine prompted this transfer to a DCA.
I did some further digging when I noticed the CPA had stopped and it looks as though the company was dissolved in Jan 19.
I am now unsure what to do. I received no further contact from Merligen/Moriarty and just let the CPA continue, but now it has stopped I do not want them creating a problem for me on my credit file when I'm just about to apply for a mortgage. I am not disputing I owe them the money but I don't now know if I actually need to pay it if that makes sense.
All advice so far has told me to contact Merligen/Moriarty which kind of makes sense but I will need to dispute the amount they are claiming I owe.
As you can see I really could do with some advice as I have no experience of dealing with these thing! Any suggestion gratefully received!!
H

by Mrblue2015 Wed Apr 17, 2019 4:09 pm

petesomething wrote:

But my advice is never ignore any debt collection letters, start by sending them the 3 letters, or there is a good chance they will pass it onto solicitors which may lead to court proceedings. You want to stop them before you get to this stage.

Well done petesomething!

Totally agree on your above point and not ignoring and debt collection letters! I never have and never would.

The only thing I will say if I may, as I am seeing this increasingly in various posts, is that despite using the 3 letter system, some alleged debtors are still being taken down the solicitor route which, at first, surprised me. But now I have a theory why (only my personal theory based on my many years of being a member both on the original site and now this one).

My theory is that - due to the loss of the original GOODF site - the debt purchasers etc out there might be assuming that any members on here / the old site could be losing faith with the letters (despite the fact that there is nothing wrong with them of course!).

As such, they then get a solicitor involved, which is much more likely to con / scare these members into questioning the 3 letter system. At which point these members might give in which is a shame!

Like I said, just my theory Smile

by petesomething Mon Jan 25, 2021 11:04 pm

Just read your post lol,, you maybe right , also they try and call your bluff may go down the court route without the right paperwork in place , ignoring the 3 letters only give part of the information requested , because 90% dont turn up for court and they win by default ,, when you are in court you must state your case and you learn that from the help from this site .

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