Hi there !
in brief, a few days ago I received a letter from Moorcroft regarding my Argos account (closed. default ).
should I start with CCA and SAR ?
I also have another case from 3 years ago, also with Moorcroft now.
This case is different, my alleged debt was sold to Hoist Portfolio, and they handed me over to the Robinson Way at first, then to Moorcroft.
I used three letters ( advice from another forum ), for Robinson Way it worked, they gave up after two years.
I`ve never sent a formal request ( with 1 pound fee ), I just asked for a real copy of the agreement in my letters, I didn`t get any answer.
From no one, the original creditor and Hoist didn`t answer either.
Then covid showed up and I had other problems to sort out .
I had the last contact with Moorcroft, in this case, about a year ago, they sent me some letter with an offer, of course I ignored it.
Should I do it now ( CCA ) ?
I have to do something about it, now they have two alleged debts on me and that could spur them into action
Thank you for any advice you can give me