Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I have a payment book with moorcroft, I am paying off a utility debt, on looking through some old paperwork last night I came across the final bill from this utility bill, its £50 less, is it normal for moorcroft to just slap on £50 and more to the point, will I have to pay it?
They can only add additional amounts if these are charges which are contractual, e.g. part of the contract between you and the original creditor. Even where this is the case, the amount of such charges must be defined in the contract, must represent actual costs and be necessarily incurred, and not be disproportionate to the main debt. OFT guidelines refer.
I think it unlikely that the original contract will meet all these conditions; Moorcroft are probably trying to recover their fee from you rather than their client - a number of DCAs do this. Their contract is with their client, not you.
You should now dispute the debt until Moorcroft provide proper evidence that they are entitled to collect this additional amount. If they fail to do so, initiate a formal complaint.
Moorcroft, adding money are they allowed?
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