Hello Bazooka Boo, yes I have a file for each creditor and have cca'd next which came back with a lame photocopy of T&C's and sent the account in dispute letter before I sent the one I posted in post 17 will send the harassment one of today. With regards to Snatander should I thank them for the letter dated as my Termination notice?? thanks again a very stressed mum!

ok bazooka Boo, thankyou for helping me to be honest i am getting myself into a bit of a state this is not a strong point hubby is working stupid hours to pay the mortgage and feed the kids and I'm doing my best to understand all of this!! I've also got the Lewis group/ Howards cohen giving me greif and phoning me everyday because of a Next account that has no cca all i got was a poxy photo copy of T&C!! Right I've had a scout about so I understand this Unlawful rescission and found this which I understand what do you think? "Failure of a Default or Termination Notice to be accurate not only invalidates the Default or Termination Notice (Woodchester Lease Management Services Ltd v Swain & Co - [1998] All ER (D) 339) but is an unlawful rescission of contract which would not only prevent the Court enforcing any alleged debt, but give the Claimant a claim for damages. (Kpohraror v Woolwich Building Society [1996] 4 All ER 119)" Once I have sent a letter to Santander would it be the arrears till the termination notice thankyou again

Hello, aftter a search on here I sent them this letter to which they did not respond Dear Sir/Madam, With reference to your letter dated 15/05.2010 You state that you have been instructed by Santander to collect on the above reference number, however I have not been notified of any such action by Santander, and have some doubts as to your legitimate authority in this matter. Further, I also do not recognise the above client reference number as an Santander account number and do not know to what you are referring. I am completely unaware of Moorcroft Debt Recovery Limited and find it extremely worrying that you should hold any of my data, financial or otherwise without my knowledge or permission, and I will be seeking advice from the Information Commissioner’s Office regarding this. I would be obliged if you would supply me with full details, including dates, of who referred this to you, and also supply me with full written authorisation from same, explaining who you are before I will deal with your company. You also state that all payments must be made to “Moorcroft Debt Recovery Ltd”. Why? I do not believe I have ever had any outstanding debt to your company. I will expect your full response, including the full and detailed authorization requested, within 7 days. Yours sincerely I have recieved a letter this morning from them in red Notice of possible litigation with a list of costs my husband would incurr any advice would be appreciated thanks

another Moorcroft story subbing:)

Subbing be good to see how you get on, I'm having dealing with moorcrap too they are lowlifes

So what do you think my next step should be?? I only set up a payment agreement with Santander because I thought the cca was correct do you think I am best paying Moorcroft the £10 a month? Thanks for your advice

Right I have deleted them thought I'd got rid of everything can't see for looking! It the arrears the amount on the default notice, I am getting a little confused this is not an area I am very strong in so I apologise, now what do you mean about accepting their unlawful recission in writing?? The arrears is still a large amount anyway which at present we cannot afford to pay.

http://i120.photobucket.com/albums/o181/ag04ldg/ALcca1.jpg Right hope I've deleted everything now!! So what should my next move be then as moorcroft wont have any idea about the default notice.

Had to get my diary out then Donkey I was getting confused!! So what should my next step be obviously dont want them to know I have a dodgy dn what do you think of the cca Donkey and Cerberusalert?? x

http://i120.photobucket.com/albums/o181/ag04ldg/ALDefault.jpg Right redone the default notice and the front of cca. So basically they are in the wrong for terminating the account as they did the letter was'nt sent by first class post as it's just normally tnt mail so probably second class.

crap thanks Donkey head up bottom!!! Will delete and put back on was it just on cca

Right sorry about the delay here goes! http://i120.photobucket.com/albums/o181/ag04ldg/ALTermination.jpg

Yep will do go and scan them now Thanks cerberusalert!!

Hello all I was hoping someone could give me a little advice. I have been doing so well upto now with my other debts but now have come a little unstuck!! My husband has a loan with A&L which then changed to Santander after lots of letters I got them to agree to £10 a month which ended last november when it ended we still paid the £10 and they took it!! it then went to Wescot credit services which we paid the £10 too. I have had a letter this morning from Moorcroft asking for the full amount £4437.30:eek: or they will issue court proceedings. I have had dealing with these idiots before from an invalid cca but the one for A&L seems ok apr, loan amount, and term is all there but the terms and conditions are on a seperate sheet, the loan was taken out Feb 2005. I have also had a termination notice and default notice but am a little unsure as to wether the default notice is correct. I am confused as to what to do next should I send Moorcrap a cca request to see what they have or write them a letter saying they will only be getting the £10 as we cannot afford any more (my husband ear'nt less than we thought he would last year) and have 3 children to feed and if they want to issue court proceedings let them. I know this is a scare tactic from but want to be correct in my next move thanks for your help and advice as always

Thankyou I will do it now x

Thankyou would it be wise to send it to equidunces aswell

Morning fellow caggers! Well I have recieved a letter this morning from Weightmans a law firm explaining that if I dont contact equidebt by the 24th feb they may be instructed to issue cc proceedings against me do you think I should send them the letter explaining the account is in dispute your help would be appreciated thanksx

Thankyou I have been pretty strong throughout though it has been stressful as my husband is useless with this!! The first collection agency moorcroft just sent it back to co-op but these idiots seem much more persistant!!!!!

So you think thats the best think and see what they come back with it does worry me a little cerberusalert!!

just wanted to let you know I have recieved a final demand from equidunces!!! Before they send it to there solicitors they have ignored my letter requesting them to send the account back to co-op any advice on what to do next should I send them a polite reminder??

Hiya PGH7447 I have sent them that letter on the 11th that was the dispute letter I mentioned in my previous post! I have not had a phone call since the 13th so I will keep you posted I have checked them out online and read up on some posts on here so I'm a little clued up on there tactic lol!!!! thanks again for the support when I have "spare cash" I will definatley donate xx

subbing

have recieved another red letter from them today asking me too pay a one of payment of 332. oo then to arrange a payment plan I am thinking of sending a cca requst of to them I have a default notice from them which is dodgy due to dates any advice would be appreciated thanks

just an update I have sent the letter telling them the accoun t is in dispute and to send it back to co-op bank they phone me daily too now which I am logging seem more determined than moorcroft! will let you know what happens next x

Hello cerberusalert hopw you had a good christmas and new year. I have recieved a letter from equidebt with regards to the debt with co-op (moorcrap obviously sold it back to co-op) I am going to send them the letter which you posted earlier as it obviously worked with moorcroft would you think this is the best idea? Love your new avatar by the way very much into supporting our troops hubby ex forces