.A while ago, an old Natwest loan was transferred over to Moorcroft as I had missed several payments owing to personal circumstances.
When Moorcroft contacted me, I registered myself on their internet page and made an offer of £300 per month towards clearing the debt (which is £8.2k).
Personally, I find this to be a more than reasonable amount to have offered.
They have had this payment, for the past 4 months, via standing order and everything has been tickety boo.
However, just before Christmas, I received correspondence from Moorcroft, advising that they had been supplied with information
from credit reference agency CallCredit to advise that my financial situation appeared to have changed and that they would like me to contact them as a matter of urgency.
Now you just know this is not going to tell me that they want to REDUCE my payments, but probably pay more.
Luckily, I am comfortable with paying this amount each month and, as a matter of fact, this will be reduced even quicker as I am paid every 4 weeks,
which means they'll get 13 payments a year instead of 12.
I suppose if they had any sense, they would have cottoned on to this, bearing in mind the date they receive their money changes every month?!?
What I want to know is that if CallCredit HAVE given Moorcroft this information, have they breached DPA rules?
Yes, it is true that I cleared a couple of smaller debts just before Christmas that saved me interest,
but I was more interested in clearing these as I knew that paying off more to Moorcroft would not save me anything,
as there's no interest/charges being added on to the original amount owed.
I find it incredulous that a credit reference agency is, snitching on me for paying bills.
If Moorcroft feel they should be having this money instead, then shall I just stop paying my rent, utlility bills and credit cards as well?
That's a joke by the way, I'm not that idiotic.
After choosing to bin the letters, Moorcroft have now called today and left a voicemail asking me to call them.
I could understand if I wasn't paying, but I am.
Are these people never pleased?
Could someone please advise on what my next step should be?