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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
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Moorcroft for Arrows - chasing OH's M+S card debt


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hi all

i am writting this on behalf of my wife,

 

she had a large debt with marks & spencer credit card just over £9000,

she defaulted on payments and the debt was sold on to Moorcroft who aranged a repayment plan with her of £5 per month,

 

all has been well for two years and now they want her to complete an expenditure form,

 

i emailed them back saying they have no legal right to demand this and will not submit the inforation requested.

 

the online payment facility keeps taking her to the expenditure form page and wont take the payment, their is no CCJ on the account,where does she go from here ?

 

thanks in advance

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Ignore moorcroft. Theyre total bottom feeders. Also, are you sure they bought it? They normally just chase on behalf of a creditor.

 

If they bought it, i would seriously question you blindly paying them without checking the validity of the debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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then dont pay online. Arrange a standing order for the fiver and do a CCA request tio see if they have the paperwork to enforce the debt. If thet dont you cancel the standing order. Refusal to accept the payment can invalidate the debt given enough time so take screen shots of the web pages to use against them and keep hard copies of all emails.

DONT use the phone.

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Moorcroft don't buy debts - who told you they'd purchased it???

 

 

look on their letters

who is stated as their client please...

when was the card taken out too?

 

 

please don't forget the golden rule

that applies to all her debts

a DCA IS NOT A BAILIFF

and has

NO LEGAL POWERS WHATSOEVER

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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many thanks for the replies guys,

they must be collecting it on behalf of M&S,

 

the account was opened around 2007,

trouble is the default is within 12 months of dropping of her credit file so she obviously doesn't want a CCJ at this stage,

 

probably better to send the letter asking to see the loan agreement ?

but i would have thought M&S credit card services would have this on file anyway or am i missing something here?

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the fact that the default is almost 6yrs doesn't mean anything.

 

 

a CCJ can still be attained after that and will still show.

who is their client please???

 

 

the original creditor would never do court

so stop being scared of that.

 

 

and if its it IS still owned by M+S

little point in a CCA request to them either

 

 

just ignore Moorcroft.

I would guess she stupidly started paying Moorcroft because at that time you'd not found CAG?

go pay M+S directly

 

 

cut out the DCA.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 years later...

hi all im having a bit of trouble if anyone can point me in the right direction

 

I have been paying Moorcroft Debt Recovery £5 per month for around 4 years on a 8k debt which was on a M&S credit card,

 

they are now insisting i complete a financial assessment form ,

i take it they are trying to up the payments,

 

i have never sent them a prove it letter and their is no CCJ on the account,

 

they say the agreement i have is informal and may not stop county court action,

 

what direction should i take,

,many thanks in advance

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  • dx100uk changed the title to moorcroft & M+S card debt

old and new threads merged 

 

now please re read and answer the outstanding questions?

like are moorcrofts client M+S?

why did you keep paying Moorcroft when you were advised before to doing stop that?

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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it was easier at the time to pay moorcroft as the payments were low and affordable,

the wife had had a nervous breakdown so i took over the repayment arrangements to take the pressure from her,

the debt was in effect sleeping while not making her ill,,

i hope you can understand

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thanks old Cogger,

i'm thinking now to stop the payment to moorcroft and put the debt into dispute by sending them a prove it letter

 

however i think the chances are slim that M&S don't have the documentation,,

somewhere in the cog of collection either M&S want the payments increased or Moorcroft do,

probably Moorcroft i suspect

but passing the buck to M&S by saying if i don't comply 'its an informal agreement that can be concluded with a CCJ'

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??

forget stupid prove it letters.

 

follow post 8

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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may i ask why not?

or is it they just sell on for someone else to do the dirty work

 

its debt to M&S credit card services, other than that only Moorcroft have been involved in the collection

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so still owned by the OC

they wont do court because of potential bad publicity.

so pay then directly via your banks interweb portal.

ignore and do not pay or anything at all Moorcroft.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i wont be sending anymore payments to Moorcroft and shall contact the OC to pay direct.

 

i'm quite happy to make the monthly payments but was concerned as the debt is around 9K they may go for a CCJ then a charge on property, even those i could live with but 'i dont know' do they add interest on a property charge if so then that's when it gets scary, is it still not worth doing the CCA letter?

 

the account was opened around 2007

 

 

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as I've said there is little evidence of Original Creditors issuing any court proceedings.

there is NO evidence here that M+S do.

 

I didnt say contact the OC, just do it monthly by say BACS or automatically by setting up standing order via your banks interweb portal.

unless this was a store card upgraded to a credit card, there is little or no point in a CCA request to M+S the OC.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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18 hours ago, marco23 said:

 

 

they are now insisting i complete a financial assessment form ,

 

 

Only  a court, HMRC or Council Tax Collections have the right to insist on a financial assessment form.   

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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1 hour ago, London1971 said:

 

Only  a court, HMRC or Council Tax Collections have the right to insist on a financial assessment form.   

yeh their not getting that London, their not even getting a response, DX has given some valuable points and i thank you all

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ahhhh, i just checked the letter from Moorcroft and its headed Re: Arrow Global LTD (sorry i missed that) so at some point it must have left the hands of M&S, does this change things now??

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Send Arrow a CCA request

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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5 hours ago, Andyorch said:

Send Arrow a CCA request

 

thank you,, i have no reference numbers or account number to include on the letter so should i use the moorcroft client ref number and moorcroft reference (two dif numbers) and make PO payable to Arrow Global ltd

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19 hours ago, Andyorch said:

Yes

OK the CCA request has gone off in the post,

 

now if Arrow Global cant produce this then that chucks up an alternative route to the problem,

 

should they be able to enforce the debt 'with the CCA' then what route is best to keep it out of the County Court,

 

i can only see an increase in payments would do the trick,

 

my main objective is not to let it go to CC or worse even a charging order because this will make the wife ill again, 

 

so an increase in the monthly payment or an offer of full and final payment at say 50% of the debt

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