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I wrote to Moorcroft with an offer of £35 per month which is what I was paying the original creditors before it was passed over to debt collectors. This I feel is a more than generous amount considering I am currently unemployed.
However I specifically requested a standing order in the offer letter. But they have sent a post office payment book instead. It seems to me they want to make it as awkward as possible to pay them, probably in the hope that I will get fedup of going to the post office each month and will make a Full and final offer (Fat chance) or will miss a payment/be late with a payment so they can hassle me some more. Plus it seems the post office make a small charge on each payment it would seem?
I have sent another letter recorded
delivery specifically requesting that they send their standing order details and that paying by book at the post office could cause problems if I were hospitalised for instance.
You have my sympathies, I have repeatable asked for a standing order details for 'Credit Management Services' to pay a CCJ of £2.00 per month, they insist I use Postal Orders which cost even more (again probably hoping I'll miss a payment), absolutely ridiculous!
They sent me a paying in book for £50 a month after I offered them £20 a month, so I just kept sending cheques, then they passed me to their Pre Courts Division for being behind on their £50 a month I never offered. so I CCA'd them and they had to pass it on to another DCA cause they could not find the Agreement, this DCA got the account in dispute letter, so now not paying anything
If I had their sort code and details, I'd be setting up a SO whether they liked it or not. Have they the right to collect this loan? Do you have a letter from the OC assigning the debt over to them? I would be telling them I am not paying a farthing until I know they have the right to collect the debt. I would also be asking for a copy of the original credit agreement. Don't worry about them getting annoyed - they do plenty to annoy you and they aren't concerned about it in the least.
As Morecrap are insisting on playing silly buggers I would send them a CCA request just to make sure that they can prove a debt exists and that they have a Legal Right to collect it.
Sorry. I already went through the CCA process and have what appears to be a valid agreement (Had a CAB advisor look over it too to be sure).
This is why I am paying them.
However I don't see why I should pay an additional fee and be inconvenienced in the process. If they do not reply to the letter I sent them today (Recorded) with a standing order number I shall ask them to take me to court because there is absolutely NO REASON for them not to allow payment via standing order other than for pure harrassment.
I sent them an offer letter and postal order initially to show I was serious and they HAVE accepted the offer so if it was to go to court I have a little more ammo against them in that respect.
EDIT: The payment book also means I have to sign my name on each slip. Of course they have a copy of my signature on the original credit agreement. However even so I would rather not sign anything else. Especially not their crappy slips.
EDIT2: " Post Office Changes from April 2008
From 1 April 2008, arrangements for paying your bill at the Post Office will be changing:
For customers paying with a payment book or bill counterfoil, there will be a counter charge, currently this is £2.20 per transaction."
Just phoned a post office advisor and they say it's £2.35 per transaction. No way am I going to pay that amount.
What can I do and what if they do not answer by the 15th when the next payment (According to their payment book) is due?
IMHO - Send a postal order and the whole book back and say if they refuse to accept your methods of payment you will report them to the Finacial Ombudsman for unreasonable behaviour, and future payments will be withheld until they see sense, why should you be inconvenienced
There should be sufficient details on the paying in book to allow you set up a Standing Order of your own. Failing that deduct the cost of the postal order from whatever you send them every month.
I agree with the others £1 a month is too much for someone on benefits
Yes I know I can offer them £1 a month but I really do want to get rid of the debt not just postpone it.
Sending either a cheque (cheaper) or postal order along with the payment book back to them
sounds like a good idea. I will wait a few days to see if they reply first though.
There should be sufficient details on the paying in book to allow you set up a Standing Order of your own. Failing that deduct the cost of the postal order from whatever you send them every month.
I agree with the others £1 a month is too much for someone on benefits
I think you meant to say £35. BTW you'd be surprised what I can live on. That's not to say I like it and intend to get back into work as soon as I can.
The only thing I can see in the payment book is that it is Alliance & Leicester. A 12 digit Moorcroft account number. A 7 digit credit account number and a long number at the bottom of each slip that starts with an 'A'.
I have had many an argument with this company about the way they accept payments, I just get told them same old crap, I am in the process of making a complaint to them about it!
Specialist Debt Adviser
Community Legal Aid 0845 345 4345 Free advice on Debt, Employment, Housing and Welfare Benefits
I work for Community Legal Aid and Citizens Advice
I have had many an argument with this company about the way they accept payments, I just get told them same old crap, I am in the process of making a complaint to them about it!
They just say that they do not have the facilities to accept standing orders or direct debits (which I find very hard to believe) and that payments either have to be made using there paying in book, although I have once had them agree to a client paying by cheque
I was also told that one of the high street banks will let you pay them without having to pay extra, when I asked what one it was I was told they didn't know- very helpful!
Specialist Debt Adviser
Community Legal Aid 0845 345 4345 Free advice on Debt, Employment, Housing and Welfare Benefits
I work for Community Legal Aid and Citizens Advice
Sounds like BS to me. Seriously. A debt collection agency collects money in any way they possibly can. To say they do not accept a standing order is the most unlikeliest thing I have ever heard.
If I were you I would write to them and tell them that they are actively trying to obstruct you in paying in the easiest and most cost effective way to you (and to them) and that if they wont accept your standing order then you will report them to all the relevant bodies for all the usual crap these people come up with, including distress.
I think you may also be able to set up the standing order yourself, you just need their bank account details and the money will be transferred from you account to theirs (well I can do that with my bank anyway).
p.s. I have also read on other forums that they do accept standing orders because one member is paying them by standing order.
Laydee Danielle is right - Moorcroft tell people they can only accept payments using their stupid payment books, and cannot accept direct debit payments or standing orders.
It would beggar belief if we didn't already know what a total shower of s*** this company is.....
WOOLWICH -S.A.R - (Subject Access Request) sent 03/03/07 LBA sent for non-compliance with Data Protection Act 28/04/07
ABBEY - S.A.R - (Subject Access Request) sent 03/03/07 8)
Moorcr*p accept offer but...
. This I feel is a more than generous amount considering I am currently unemployed.
offer (Fat chance) or will miss a payment/be late with a payment so they can hassle me some more. Plus it seems the post office make a small charge on each payment it would seem?
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which cost even more (again probably hoping I'll miss a payment), absolutely ridiculous!
this DCA got the account in dispute letter, so now not paying anything 
Originally Posted by Fred Bassett
