Moorcroft Debt Company -Please Can Someone Advise/Help Me?

[needhelp1]

Hi,


let me first start by thanking all the advice and help left by members for dealing with moorcroft agency !

I had a letter sent by this horrible company on 26/06/07 asking me to pay an outstanding amount of £36.00 ( approx) asking on behalf of virgin media. I had an account with NTL ( as you know taken over by virgin), but in the month of oct 2006 ,i had called them and cancelled my contract( I got a copy of the call details from my telephone company),the person i spoke to said, the account will be closed. I cancelled my direct debit in the same month and i did not hear anything from NTL or Virgin, until this letter came from moorcroft.

As a customer i had the right to know if i had defaulted a bill and was there any notification sent, the manager of virgin said it was automatically sent by the system, i asked him the date, he had no clue!!!.

I explained to moorcroft the reason for dispute and , i felt i was speaking to a brickwall.

I contacted the CAB, who asked me to send recorded delivery letter to both virgin(disputing the amount and requesting info under section 40 of administration of justice act) and also to moorcroft asking them to stop the process until the dispute is cleared.

I even sent cca letter to moorcroft.

Lo and below i got a letter from moorcroft last saturday,'Notice of intended litigation' asking for more money if they go to solictor and court.

I called the cab today asking for advice, who said they will pass on my case to trading standard. meanwhile i asked is it ok to ignore the deadline given by moorcroft. I was told it was my choice.( which was confusing!). I can either send moorcroft a check( for the full amount) by writing on the back of the cheque that the amount is in dispute and let the trading standards ask moorcroft to refund the amount or do nothing.

Can some please adive me regarding my future steps

thx

[tooth_fairy]

Were you paying a month behind with Virgin, if so that may be the case of why you have to pay £36, it may also be a termination of contract fee.

I would try to find out from Virgin in the first instance what the £36 is for, ask for a copy bill or statement from Virgin.

How long ago did you send a CCA to Moorcroft?

[needhelp1]

hi,

thx for your reply. I did get the break up of the amount.

the outstanding amount was for the month of feb to april 2007, the break up given to me was :

14th of feb 2007 - £9.51
14th of march 2007 - £19.51
14th of april 2007 - £ 36.44.

I had cancelled the contract on the month of oct 2006 with ntl. I spoke to customer service and cancelled by phone. Lets assume that the contract was not cancelled as the customer service told me. shouldn't they have sent me a bill from oct 2006,why virgin is saying that i owe them from feb2007 beats me!!!.

There is no question of me signing any contract with virgin, actually i was outside uk in the month of feb to first week of april.( my passport will prove it).

I dont mind paying this amount if i had used any service provided by virgin.

The CCA was sent last saturday 07/07/07.

thx

[needhelp1]

hi,

I got a call from civil disputes team from cunsumer protection, they say that when it goes to the court, the desicon can go either way, because if my contract was not cancelled in writing ( even though they have verbaly said that my contract will be cancelled). I really dont know should i pay debt collection agency or go to the court?

Please help?

[djdave]

It depends how you feel, how much £36 means to you, and whether you need the hassle of a day (or hour) in court.

A few years ago, when I was in a good job and with no money worries, I'd have happily paid £36 to make the whole thing go away.

However, now I'm on incapacity benefit and have experienced just how horrible DCAs can be even when you're in genuine difficulty. My experience means I wouldn't give them a 1p piece I'd found of the street without a fight.

Personally I'd let them take me to court and hope that the judge is sensible.

[needhelp1]

thx for the reply, i know its a hassle to go through this process, one part of me says 'go for it'. but as you say i have litteraly lost my sleep. I have always been paying my dues and havn't come across this situation.

anyways i appriciate your reply.

thx