Hi, this whole thing started because i got behind on my phone bills. so O2 gave me the choice to either pay the outstanding bill of £252 or cancel the contract and pay £360. So i decided to pay the £252 and have my phone re-connected. I got a letter from moorcroft today. It reads.... Dear ********* We aknowledge receipt of your recent payment of £252.15 against the above debt which we note was made direct to our client. We would refer you to our recent letter which informed you that we were now responsible for the administration of your account and would therefore ask you to contact us immediately with an offer of repayment. Failure to do this may leave us with no alternative but to recommend to our client that they instruct solicitors to commence legal proceedings against you without further notice. Any payment must be made to 'Moorcroft Debt recovery ltd' These people are unbeleivable!!!!!! that means they think im gonna pay twice as my phone has been re-connected and im back to paying my monthly bill!! Surely i can take them to the cleaners with this???

Hi Little Miss, Just spoke to a very nice lady on the phone from O2 who took my payment in full. Have no idea why they just didnt take it yesterday!...but atleast that monkey is off my back. In regards to moorcroft, I think i will write a letter of complaint. The guy that called me yesterday actually bet me that O2 wouldnt take my payment!!!...thats when i lost it a little bit and used words that cant be repeated on here. If you have any advice on what should go onto the complaint letter would be very much appreciated. Cheers!

Thanks for your replies guy's. Gonna try and go into an O2 store, see what they say. As far as Moorcroft are concerned, they can do one!...how they are allowed to carry on in this way is a joke. They are brutal towards people who they have no previous relationship with...i.e. they dont know my circumstances. Will definately report them to the OFT but dunno what good it will do! Cheers.

I have an outstanding debt with O2 fro around £200 pounds. They have passed this debt onto Moorcroft. I got a call moments ago from some jumped up idiot from their 'pre court' department. I told him that i dont owe him any money, i owe it to O2. He told me that this will now be going to court. Is this likely? So, i called O2 and explained the whole situation and told them i am willing to pay the debt over the phone, but i refuse to deal with Moorcroft. They told me that this wasnt possible, payments must be paid to Moorcroft. How true is this?? why wont O2 just take my money?! Basically, i just dont want to lose face with the *beeps* at Moorcroft. I hate them so much, the way they talk to people is a disgrace. If there is any way that i can avoid dealing with them then please advise!!! Cheers.

Hi All, I received a letter today from the lovely people at Apex Credit Mgmnt. They are threatening to come to my home as i have an outstanding debt with home learning for 1200 quid. If i do not pay this debt then they will proceed with legal action blah blah blah. I called them and told them if anyone turns up at my house the only thing they will receive will be a kick in the nuts! the guy on the phone told me that if no payment is received then i will receive a CCJ and will incur legal fees. now, i have read other threads and all say i can send them a letter requesting to see the credit agreement and if this is not produced then then the debt becomes void etc. When i mentioned this to him over the phone he advised that they wouldnt have the agreement, Home learning would. However, Apex have taken over the debt. This is confusing me!? Does Apex have to produce the agreement to me? and if they do, will i have to pay the debt in full? Cheers!