Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    Hi

    I have a Royal Bank of Scotlandicon credit card which i have missed payments on this has now been passed to Moorcroft for collection. The credit card account has been open for about 10-15 years now maybe more. I ran into difficulty paying it etc etc etc and lost track of the account and royal bank of scotland have now passed it on to Moorcroft.
    I was advised to send a CCA Requesticon to moorcroft to which i did and they have replied i have uploaded the letter they sent me. Can somebody please advise me what to do next?

    Thank you for your time in advance

    John

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  2. #2
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    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    think they're trying to pull a fast one, no credit agreement no pay....


  3. #3
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    Default

    Quote Originally Posted by lostinspace1000 View Post
    think they're trying to pull a fast one, no credit agreement no pay....
    What should I reply to that letter?

    Thanks for your reply


  4. #4

    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    Hi JW2009,the letter is a standard reply to a CCA Requesticon when the agreement cannot be produced,

    Your reply is simply Put the Account in Dispute send the site libraryicon template letter.

    My guess is at some stage you will receive a Recon agreement,probably some way of

    FS


  5. #5
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    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    thanks.. is the template letter in the debt collectoricon libraryicon?


  6. #6

    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    JW Yes,titled "Failure to provide a copy of the agreement within the prescribed timescale",,the 14 days have expired since you made the CCA Requesticon,the fact they cannot produce an agreement and they have put this in writing,is their problem.

    Some of the threats in the Moorcroft letter will contravene the failure to supply an agreement,such as you must continue to pay and the debt will be registered with a Credit Agency,Remind them any action of this nature will be viewed as a complete OFT guideline avoidance and will drawn to the attention of the OFT should they see fit to ignore the guidelines.

    I am of the school debts should be paid but on your terms and if they are unable to comply with your legal requests,then it should be very much on your terms.

    all the best FS


  7. #7
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    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    thats excellent thanks for your help on this

    Cheers Jon


  8. #8

    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    I'd have a look at re-claiming charges also, there must be a few.

    Any advice I give is honest and in good faith.
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  9. #9

    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    Jon..Maroondevo makes a very good point,have you got all of your statements this will show charges that can be reclaimed?

    thanks Md52

    FS


  10. #10
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    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    Hi and thanks for all your help, in the end RBSicon have come back with a response to my CCA Requesticon i cannot see a correct cca with a signature anywhere within the documents.. can somebody have a look and let me know what to do next? I would be most grateful

    Thanks Jon

    Attached Files Attached Files

  11. #11

    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    JW Hi.read through your attached files,under the current legislation if this ended up in court(not suggesting it will) I do not think you would win,OK no agreement with signature,however there is sufficient documentation to confirm an account exists and payments have been made,Sorry.

    There must be charges that you can claim back plus any PPIicon involved?

    If you do not have all of the statements you will need to send a SARicon,if you have all the statements as Maroondev said in an earlier thread No8 add the charges up and reclaim.

    regards FS


  12. #12
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    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    Thanks for your reply, i will ask for all statements,

    I understand that this debt has to be paid back, but surely they cannot enforce it and i can make them a offer?

    Thanks


  13. #13

    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    JW Hi,enforcement of CCA has been the subject of many threads,that have got heated at times.

    Although in your case they cannot produce an agreement with a signature,they can prove you have used the account and made payments,and in the vast majority of cases that end up in court the fact that the OC cannot produce a signed agreement is being ignored(the guidelines state no signed agreement no case)or words to that effect.

    The OCs and DCAs are aware of this and are being really difficult.If you are going to make an offer of payments,you need only pay what you can honestly afford,if you are considering a F&F offer this is a different situation,you need to be really careful on how you word the offer.

    If you have a F&F in mind lets us know

    regards FS


  14. #14
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    Default Re: Help with Royal Bank of Scotland/MoorCroft CCA Request Reply

    I am going to write to RBSicon (as opposed to phone) with an offer of monthly repayments. Is there a form of words I should use? Any tips etc.?

    Thanks in anticipation.



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