Moorcroft Debt Recovery on my case too

[taylor-rae]

Hi,

I fell into trouble with kays when I missed payments. They passed my account to a firm called NDR demanding full payment of something like £125. I wrote to them eaying I couldn't pay the full amount but would offer 25 a month and please send payment slips etc etc.

I heard nothing except a month ago I got default notice from NDR.

Now I have a letter (arrived yesterday) from a another firm called morrcroft debt recovery, saying letter before intended litigation, and asking for 430.68, which i guess is the full balance of kays account.

I have until the 19th of this month to pay in full or they threaten the following:-

1. Warrent of execution by baliffs against goods owned.
2. Application for attachement of earning order with present employer
3. Application for charging order on property
4. Application for me to attend court for questioning.

Blar blar about court costs being paid by me.

Then a £12 levied against me because they have had to send this letter!!

Any advice would be greatly appreciatted.

[Charbydis]

My wife had dealings with these people over an account with Littlewoods and they really put the frighteners on her. Fortunately we are dealing with our debts through payplan so we told them and they sorted out the payment.
I suggest you send them another letter saying you want to pay it back but can't, say what you can pay with a breakdown of you finances showing this is all you can pay, together with a cheque or whatever with your payment.
Whatever they say keep making a regular payment it shows you are serious about paying it off and will go in your favour if they should take court action.
Meanwhile talk to your local CAB or Debt counsellor as they can give you advice about what exactly you can do and can be done to you.
If its any consolation I was told this is a standard letter from Moorcroft, they just like being agressive. Whatever happpens, don't panic, don't pay more than you can afford and don't stop making payments(however small) without communicating with them.
I hope this helps.

[taylor-rae]

Charbydis,

Many thanks for comments. Will send a letter PDQ with budget sheet.

Thanks again

[lucyec]

Moorcroft are pure evil... I had the misfortune to have dealings with them in the past. However, I will say, they threaten all that in their letters, but especially if its the first one you've had from them, they don't usually carry out any of their initial threats, its just to scare you into doing something.

Like Charbydis says, the best thing you can do is arrange a payment plan with them, and make sure you're realistic about what you can afford. Also, don't take any s**t of Moorcroft, every person I've ever spoken to from that company has been the most angry, unsympathetic droid, devoid of any feeling or compassion. All you can do is not lower yourself to their level and try to stay calm and polite, however hard it may be!

Best of luck, hope you manage to sort it out.

[Nightmare4banks]

Hi all!

taylor-rae,in reply to your post:

1.They cannot do anything without a court judgement - they are just trying to bully and scare you.
2.Does the balance of the debt have any unlawful charges? If yes,you can have them offset against the balance owed.To find out do a S.A.R - (Subject Access Request) under The Data Protection Act 1998 and send the catalogue company the maximum allowed fee of £10 together with a copy of your id and proof of address.They have 40 days to respond.
3.If the charges exceed the balance owed they will owe you money!ASo,claim it then off the baskets!
4.Pay what you can afford and stick to it.I would suggest a tenner per month.
Ask them to send you a pay in book - get the name of the agent you speak to and if you do not receive the pay in book within a week,send a letter by recorded delivery to remind them and enclose a postal order for the tenner.You do not need to provide an income and outgoing statement,just give them the minimum amount you can afford.

I am currently paying the same company that amount on a card balance of over
£5k so dont worry but also make sure to pay.

5.Before doing anything,the account must be defaulted and then a court summons issued.If the judge enters judge in favour of the debt collector, he/she will set an affordable amount for you to pay.It will be out of the control of the debt collecting company to decide.In this case,you would have to provide an income and outgoing statement.

6.It is only when you breach the payment order set by the judge can the debt collecting company enforce the debt by bringing bailiffs and take your belongings etc to pay the debt but in many cases it is then that you would have to attend court to explain yourself to the judge as to why you breached the order etc.
The outcome would depend probably on how payments were missed,your circumstances and the total amount owed mainly.

7.Debt collectors are nothing more than bullies,so now you know your rights exercise them!

I hope you find this information.

If you have any questions,just ask.

Keep us posted.

All the best!

[Darwin]

Funny how companys seem to act differently from person to person

I had a visit at the door and assured them I didnt have a clue what they were talking about , they went away.(I wasnt lying , I have no idea)
Sent them and the person who sent them a CCA request , Moorcroft sent the £1 back straight away and basically said they wanted nothing more to do with it and would forward my requst to McKenzie Hall (who asked them to collect).
McKenzie Hell have as of yet not contacted me again.

Odd thing was Moorcroft didn't seem to have any idea what the amount was for and could provide no supporting evidence.

[karens25]

i had an account with choice catalogue which has now been passed to moorcroft..ive just sent them a postal order for £1 asking for a copy of the original signed agreement they have taken this as payment despite the letter i enclosed with it!!

[taylor-rae]

Hi all,

Been away for a few days and have just caught up on all your comments.

Having re read the letter, other than my name, address and a mention of the catalogue company there is no other reference that it is me they want.

For instance:-

1. No reference to my agreement number
2. The balance they are after is higher than what I fought it was.

I take it I can ask them to :-

1. confirm the agreement.
2. as for a break down of costs.

This letter arrived out of the blue, as I was dealing with another company who never replied to my letters.

Any thoughts.

[jamesbond]

i would recommend that you all serve a signed for cca request on moorcrofts and anyone else who is having trouble with a catalogue, do the same.
these businesses prey on the defenceless, and seldom seem to have any signed consumer credit agreement in force and do not play by the rules.
it is common for them to take the £1 off the debt and ignore the request, send a further signed for letter to them outlining the money was for your cca request and that they are bound to act upon it, failing which after 12 working days the debt is unenforcable without production of that documentation, or a court order, which will not hold much hope if they have no consumer credit agreement and have failed to meet your request under the cca.
moorcrofts will continue to send letters in spite of this, and the catalogue companies can sometimes go for a ccj through the court bulk system at northants, which sadly through some strange error, you do not always receive notice of.
the catalogues will and do screw up your credit file so be prepared for a fight on this, and your best defence is the penalty charges they apply to your account, they dont go away easily this lot,and use every trick in the book, but dont fear them and stand your ground.

[saxon]

I have started writing on Postal Orders (for Information only), so they can't make a mistake.
I read on a thread somewhere that it was a good idea.

[dogtrainer]

Hi I got a letter from Moorcroft signed by A J Martin regarding my RBS card demanding me to contact them by 10 am on a certain day so I wrote back directly to A j Martin asking them to reply 28/07/06 and have not heard from them since . They seem not to like it when you put the ball back in their court.

[dneice]

Originally Posted by taylor-rae

Hi,

I fell into trouble with kays when I missed payments. They passed my account to a firm called NDR demanding full payment of something like £125. I wrote to them eaying I couldn't pay the full amount but would offer 25 a month and please send payment slips etc etc.

I heard nothing except a month ago I got default notice from NDR.

Now I have a letter (arrived yesterday) from a another firm called morrcroft debt recovery, saying letter before intended litigation, and asking for 430.68, which i guess is the full balance of kays account.

I have until the 19th of this month to pay in full or they threaten the following:-

1. Warrent of execution by baliffs against goods owned.
2. Application for attachement of earning order with present employer
3. Application for charging order on property
4. Application for me to attend court for questioning.

Blar blar about court costs being paid by me.

Then a £12 levied against me because they have had to send this letter!!

Any advice would be greatly appreciatted.

Hi, I'm new on here and you are the first person I've replied to. I also have in the past had to deal with Moorcroft and got the same letter that freaked me out. All you have to do is call and make an offer to pay so much a month and keep to it and they can't get the bailiffs in. Even if it's only £10 a month it shows you are making an effort. Hope that helps. Just call and dont let them talk you into more that you can afford. My sister told me to offer £1 a month to pee them off.
Denise.

[dneice]

Hi, I'm new on here and you are the first person I've replied to. I also have in the past had to deal with Moorcroft and got the same letter that freaked me out. All you have to do is call and make an offer to pay so much a month and keep to it and they can't get the bailiffs in. Even if it's only £10 a month it shows you are making an effort. Hope that helps. Just call and dont let them talk you into more that you can afford. My sister told me to offer £1 a month to pee them off.

[jamesbond]

you should all check the debt owed when any debt collectors send you a letter...my experience is they all charge stupid unlawful charges, and the original amount owed usually ends up 4 times plus. they do not respond to anything in my experience , and as has been said before they do not comply with your rights under the cca or the courts in my experience.
stand your ground tell them to write to you only and not telephone, anything else will be considered harrassment and if you allow them to keep telephoning you they will grind you down and make your life hell.
do the request under the cca and send your £1 and most likely they will thank you for the quid off the debt and ignor it, just return a letter after 12 working days informing them that until they comply with your request the debt is unenforcable.
do not under any circumstances believe the amount they state you owe, always always check the correct balance owed with the original creditors if you have no statements and never pay any unlawful charges at any time to them.
these mob are parasites and try to scare people to pay up....dont let them do it..
if a catalogue company has referred the debt to a collecter you can guarantee their are unlawful penalties on the account and the dcas will also lay them on thick and fast...challenge every one of these charges ..
i have been helping my sister with these people and a catalogue debt,they had served a ccj on her without anyknowledge and have failed despite two requests under the cca and also on order from the court to supply statements.
the ccj was struck out when we applied to have it set aside..they didnt even turn up.
i have complained to the trading standards who dont seem bothered much about their non compliance of my cca requests, just seem to say that the debt is unenforcable if they dont comply...all well and good if you owe them...not so good if they owe you!!
i am now trying to get all statements to try and reclaim the unlawful charges plus an overpayment my dear sister has sent them, but being a bit unknowledgeable about these things she thought it was settled 12 months ago and threw all the statements away..
i think i will have to do a s.a.r on them now with a tenner to get the info required and at least i will have redress in the courts if they fail to comply, and then i can summons for amount owed in charges and also get default removed due to the charges.
hope this helps you allin this matter but if i can help further please pm me.. 007

[taylor-rae]

Just to say, since I asked them to more or less confirm that it I they are after.........I haven't heard a word from them.

Should I be worried?

[Flagg913]

I also have a debt for £923.00 with Moorcroft for a kays account, I wrote to

them and asked if i could pay £9..65 per month which would take me 7 years to

pay off, got a letter today saying They accepted the offer and would give me

an extra month spare and i could make the 1st payment on the 23/11/06. After

hearing bad stuff about them should i still be wary of them even though i have

made an agreement with them.