Hi

Took out a loan in 2013 when i was unemployed after a difficult time stupid idea at the time now ive been working for the last 2 and a half years ive cleared all my debts well thats what i thought until i got a letter from these cow boys this morning stating i owe them £292.00 from a debt dated back in 2013 which i thought was cleared, and i completly forgot about it.

So i got this letter this morning threatning to pass it over to Moorcrap Debt Recovery telling me they will come round my house etc not that im bothered i welcome there arrival to be pushed back down the drive way.

I am not refusing to pay the loan but what is really bugging me is i only borrowed £130 and these people have stuck almost 60 percent extra on top i know they have to make a little bit extra etc but £160 extra!?!?!?!

Ive told them that i will only pay the remaining balance if they come to some agreement with myself i will not involve myself with Moorcroft and will ignore all there letters

I am still waiting on a reply

So my questions are why are these people waiting 3 years without any correspondance on this time frame, Is this a tactic to add alot of fees before they process a letter of harrassment ?

Can they still persue all these fees when the only letter ive had off them is threats of DCA since 2013 ?

this seems to be a little tactic they are good at from other things ive read about WDA on here

Original loan plus original contracted interest. Make them prove you owe anything else.

Personally Id Ignore... Did they not do an employment check?

Thanks for the advice, Im not sure if they did do an employment check they more than likely did though considering i never heard anything from them up until now,

Do you think they would try take this to court if i ignored them ?

I will email them and ask them to prove if i owe anything and where has all the charges come from ?

WDA wouldnt take it to court, but IF they sell it on, the new owner might. Very unlikely but they could.

Hmmm ok

so best not to pay them anything until i get the information i need off them ?

will report back once i have this

Thanks

Full breakdown first which you ar elegally entitled to, then payment if agreed.