Moorcroft and Kays

[surprise]

Thanks for this. I have just been discussing with her about her letting me deal directly with everyone. Reluctant because I think she feels inadequant, can see where she's coming from. I am doing her letters for her but she does see and sign them. I am just going to sit tight and see how far they go.

When I go out now I am pulling the plug out the phone that has temporarily solved the problem.

[tiglet]

Perhaps you could show her this website? show eher that there are a lot of poeple out there without her problems who also find it difficukt to deal with these people and believe everything they say? perhaps taht will persuade her that it's in her best interests for these companies to deal with you - we all need some help sometimes, no matter what our health situation and it may well make your daughter feel stronger in the long run if she sees that these people can be dealt with effectively.

I would send them the harrassment by telephone letter as well, stating all communication must be put in writing.

[surprise]

Thank you all for your advice. I do intend to get calls blocked and I shall write to Moorcrofts and cc OFT.

[joe1965]

This below may help you. It comes from SECTION 40 OF THE ADMINISTRATION OF JUSTICE ACT 1970.

Send a "signed for" letter informing them of your daughters condition. If after receiving it they continue to harrass her you can report them to the OFT as it is a criminal offence.
"Those visiting debtors must not act in an unclear or threatening manner."

Examples include:

• collectors should explain the reason for any visit and give you notice of the time and date they will call;
• they should not visit if they know you are ill or vulnerable and if they find you are unwell or distressed they should leave;
• they should not come in if you do not want them to and should leave when you ask them to;
• they should not visit you at work or somewhere like a hospital

[surprise]

Thank you for this info. I did CCA to Moorcroft who admitted they hadn't got a signed agreement and were passing it back to the original creditor. They also returned £1.00 po. I had cent a Subject Access Request to Kays who promptly banked the £10.00 don't where to though? I am now having to play the waiting game to see what happens.

[bigyeti]

My advice would be to ask her to grant you power of attorney for this matter. This allows you to legally act on her behalf.

Public Guardianship Office