Hi all, both myself and OH have got ourselves in debt and are receiving threatograms from various DCA's.

We could borrow from a relative and pay these off but would rather not pay a DCA.

Could someone be kind enough to check this CCA doc my hubby received from Moorcraft?

It's a Halifax Loan which was taken over by Moorcraft.

He has tried contacting Halifax but they have told him to deal directly with these people.

Moorcraft has placed his account on hold for 14 days.

Any advice would be very welcome.

Thanks as always

scan 1.pdf

moved to Halifax forum and thread title amended.

who are moorcrofts stated clients

they don't buy debt only chase

when did you take this out

when did you last pay?

Unfortunately, since 2007 they have tightened up the rules in regards to CCAs and if it has explicit details like who the agreement was made between such as your name(s) addresses, interest rates, repayment amount, installments, etc. on the first page is usually legitimate.

If you have defaulted they (Halifax) would have needed to send a notice of default as this is the first stage of passing off any debt to an external DCA.

Once they pass it to a DCA, unfortunately, you cannot resolve the problem with the original creditor by paying them (Halifax) directly.

However, if Halifax had passed this to Moorcroft you should have received a Notice of Assignment which I am 110% sure they must do if they 'sell' the debt.

If only management of the debt is the case I am not so sure.

There is no panic though because they CANNOT bankrupt you if the debt commitment is less than around £5000 because this changed sometime ago.

They could take you to court and you would end up with a CCJ but this is a pain for them because courts remove ANY control they have over the debt i.e. they can't harass you or demand more payments, etc. and they tend to resort to this more for things not covered by the Consumer Credit Acts.

You could ask Moorcroft for both a copy of the Notice of Assignment and a copy of the CCA (you can get a formal request letter template off this site I believe) which really proves awkward to a lot of DCAs because they are required to get it with 18 days and then they are legally bound by rules governing this (you will have to look them up as I can't remember them all). You must enclose a payment of £1 with the request (Postal Order, Cheque, etc.) which they can ONLY use for that request.

Mostly, if you have to pay amounts don't offer them more than you can spare/afford taking into account circumstances may change. Most will not typically take less than £5 pcm so you start with this and negotiate. Most DCAs take these 'token' payments and then can't really do anything if you continue to pay regularly.

I don't know if this helps but I have infinitely more debt than yourselves and luckily most predate the 2007 changes so are harder for DCAs to enforce and I have been paying small payments for years and increasing them when I could but I also got close to being taken to court and managed to force the DCA to back down so I have learned a lot from this.

The main thing is to not panic and, yes, there is always worry but the DCA who tried to take me to court was hit with a HUGE fine for their practices so DCAs have been just using fear tactics with more subtletly.

Don't answer phone calls (bar them if you can) and force them to write as I had phone conversations where they conveniently forget agreements (even if they say they are recorded).

Don't know if this helps but good luck.

Hi there, many thanks for your replies, much appreciated!

dx100uk - loan was taken out Sept 2015 - last payment made 14th Dec 2016. Halifax original creditor - think Moorcroft might only be chasing on behalf of them.

kekeeler - No Notice of Assignment, also Moorcroft not showing on Credit File.

Should we SAR Halifax? They have refused to talk to us and keep directing us to Moorcroft. Not sure what to do next?

Thanks again guys x

ignore Moorcroft totally then

did you sign an agreement or was this online sign up

Loan was online I think dx. Not sure how to pay Halifax what we owe though as they won't speak to us but really really do not want to pay a DCA

just pay via your online banking portal what you can.

use those letter we pointed to in the debt collection library offering £XX for XXmts due to hardship

ok thanks will do dx

tried logging on and this message popped up Sorry, we can't identify you from the information you've given.

logging on to what?

onto the halifax portal dx sorry, thought that was what you meant. He had an online account but it won't let him access it.

d'oh! I've only gone and drafted up some SAR letters, and bought £10 postal orders to use with these and then realised there's a new SAR you can use from Friday under new guidelines and you don't need to pay the tenner!

Sometime I wonder at myself

All you need to get is the banks account number and sort code, then you set up a standing order at your bank with those details to pay whatever you can afford.

STOP talking to shallowfax over the phone, the clowns they employ to sit on them have only just progressed from flipping burgers.

Keep everything in writing, and ignore moorcr@p.

flipping burgers!!

okie dokie Bazooka we will do that. Thanks x

I luv coming on here even if it's just to bloody well cheer meself up!

I luv coming on here even if it's just to bloody well cheer meself up!

Hello again Bazooka. Would you be able to advise me where to get Halifax bank account number & sort code for Halifax loan? Thank you!

you don't need that you need their payment details AC/sort should be on their letter reverse

do NOT use their payment portal on their website

user YOUR interweb banking portal on halifax

Hi dx, no payment details on any of their letters. They sent a CCA which i have uploaded and there is no account or sort code on any of the pages. x

wont be on the CCA will be on a debt chasing letter

if you go on your banks interweb portal

select the pay someone section

there should be a drop down menu

find Halifax

use your card number as the ref number

The only ones I can see are Halifax credit and mastercards Dx

After a lot of looking around I managed to get the sort code and account number for Halifax Loans. In case anyone reading this needs it - sort code: 77 77 90 Account No: 90000468

Thanks guys for your help as always xx