Four months after having sent Moorcroft a CCA request and having them acknowledge the request, they have today closed the account , sent me a cheque for £1 and returned the now disputed account back to Nationwide.

I presume I now await Nationwide to either contact me directly or to assign or sell the debt to another DCA.

I also refer to this line on the CCA request letter...

" If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor"

However this has come about after Moorcroft began playing Billy Suggers so I sent them a letter putting the account into dispute.

Should Nationwide abide by this or have Moorcroft a right to wash their hands ?

Also the dispute clearly states that the disputed debt cannot be collected, enforced or passed to any third party ?

So if another DCA takes it over are Moorcroft and Nationwide breaking the law ?

Please also note that no CCA has been produced.

Moorcroft would only be collecting on behalf of the OC...the debt was never assigned..however a debt can be assigned to a third Party as its part of the T&Cs of your agreement as is asking third parties to to collect the debt on their behalf.

Regards

Andy

So if Moorcroft are acting as collecting agents for Nationwide and administering the debt on their behalf, they should have sent the request to Nationwide ? Thats how I read a simple duty of assignment ?

Two letters from Moorcroft have asked for my patience whilst they obtain the documentation from Nationwide.

From the letter today it is quite clear that they have been able to do this and have washed their hands.

If Moorcroft cant comply then its a safe bet NW dont have it

If Moorcroft cant comply then its a safe bet NW dont have it

Thanks for that Andy, its as much as I thought.