To cut a very long story short, my husband and I have clawed our way out of debt over the years and now I at least have a decent credit rating again. However, there's one glitch on the horizon. We keep receiving letters from Moorcroft about an alleged debt belonging to their clients, Arrow Global. We CCA'd Moorcroft with the usual Postal Order. They sent this back, despite having filled it in so we can't cash it, stating that they have returned the debt back to Arrow Global. A few days later we received a letter from some solicitor acting on behalf of Arrow Global stating that our CCA request wasn't legal as my husband hadn't signed it. We are very reluctant to sign anything, so can we request the information over the phone? We have received several of these letters and have now received a notification that they are taking us to court. What can we do?

Hi on 30th August 2016 I received a letter from Lloyds Bank, signed by Jamie Graham informing me Lloyds have transferred my outstanding credit card debt to Moorcroft and they have instructed them to contact me. I defaulted on my credit card debt with Lloyds 7 years ago and for 6 years 6 months I have been paying £10.00 a month direct to Lloyds Bank. Today I received a letter from Moorcroft (signed by A.J. Martin) telling me that despite fact earlier this week I paid Moorcroft the monthly £10.00 unless I contact Moorcroft within 7 days they will 'recommence collection activity if we cannot agree a repayment plan that you can afford and maintain.' I cannot afford to pay more than £10 a month and have paid this amount to Lloyds - the debtors for over six years now. I feel Moorcroft are using intimidation tactics in order to get me to contact them. I checked my credit rating with Noddle and note this credit card debt is no longer showing so it must be over 6 years old. Any advice would be much appreciated. Hecuba

My partner has a credit card debt which has a CCJ against it. He pays Moorcrap £120 per month. Just recently he has started to receive calls from them, pressing him to increase the payments due to the amount of time it will take to pay off. I have told him not to worry as there's nothing they can do as long as he is complying with the CCJ. However, the calls are becoming really annoying. Is there a letter worth sending to them?

Hi, I was just wondering how best to deal with Moorcroft who have been hounding me. I signed as guarantor for my HSBC Ltd Co. business loan when I started up in 2003/4. Unfortunately due to a breakdown and ill health caused from stress etc the business had to close in 2007, following that I did try to keep making what payments I could afford towards the loan (the outstanding balance is around 20k) but haven't paid anything for about a year/year and a half, however loan doesn't appear on my credit file. Have been burying my head abit as going through a horrible divorce at the moment and not quite able to deal with this as well, have been ignoring all their threat o grams. just need to hold them off for a bit until the divorce is finalised I kinda know where I stand financially. To commit to a financial arrangement with them at the moment whilst everything is still in limbo is going to be hard, and having been pretty much a stay at home Dad since the business closed, I will have to rely on tax credits, CB and maintenance payments to provide stability for my kids until I can get back onto my feet after the divorce is finalised. Should I treat this loan as I would a personal one and send off a CCA request? Or would it be worth just offering Moorcroft/HSBC what little I can afford to get them to go away? As they are threatening me, that if they return the account to HSBC, then HSBC will start legal proceedings?

My partner has received multiple debts from Moorcroft from 4 companies, Ambrose Wilson, Premier Man, Fashion World and JD Williams. JD Williams has 2 accounts, both the Moorcroft ref no and the client ref no are different, and the amounts owing are also different, £266.31 & £164.68, although my partner's name is exactly the same on both accounts. I'm not sure how it is even possible for her to have 2 accounts with the same company? We received the letters from Fashion World and JD Williams first and CCA them, they replied back (16/07/14) that we needed to send £1 which we did. They replied back with a Fashion World debt letter (21/08/14), the balance had gone from £180 to £179! It has been over the 12 day limit for them to send the accounts. The other day we got another 3 letters all at once (dated 26/08/14) for the Ambrose Wilson, Premier Man, and the JD Williams new account. We haven't even heard of Ambrose Wilson or JD Williams. This is getting a bit silly, I don't really want to be CCA on all these different accounts, what should I do?

Hi Been working now since mid 2013 and still with the same company enjoying work and making good money Back in 2013 i came out of work and got greedy with money went down the stupid route of borrowing money from Wage day advance i borrowed £130 in total and with being out of work stupidly didnt pay it back after forgeting about the debt and settling things like overdrafts and other stupid little things i finally got back on my feet slowly improved my credit and things was going well. The other month got a letter from this WDA requesting i pay back £290 i emailed them asking why has it taken them over 3 years to send me a letter requesting this money they didnt explain why and keep demanding £290 ive told them not paying a penny until i get a detailed breakdown of charges there version of a detailed breakdown is Original Loan: 130 Interest £130 Missed Payment Fee: £30 Thats all they keep sending me i ignorned them until they sent me what i asked for last week moorcrap have sent their demands on behalf of WDA with their own little charge on top for the convenience Not responded to these still telling WDA i want a detailed breakdown and why has it taken them 3 years to chase this little debt this is more than double what i borrowed HARSH LESSON LEARNED WILL NOT BE BORROWING MONEY OFF THESE PEOPLE AGAIN. Thanks any advice is welcomed

Letter just arrived from Moorcroft for Mrs P asking her to get in touch about a personal matter. she will be ignoring this and waiting for the next letter. The only thing she has outstanding is a bank account O/D which is made up of charges and interest on charges which we were in the process of reclaiming years ago.

Hello, I am not familiar with the current legislation regarding payday loans so advice on a letter structure would be appreciated. Background: A few years ago now I was a compulsive gambler and borrowed from any lender that would give me the cash . I managed to rack up £50k's of debt and at the time didn't have a secure job. Two years ago after a lot of hard work on myself, help from family and a years worth of councelling, I have not gambled, I've got a permanent job paying a decentish wage , I've paid off nearly all my debts. one of those who I hadn't yet paid was from a company named wageday advance for£650. They have since I ignored their threatening letters passed it onto Moorcroft who wrote me a lovely letter saying they will come to visit me at my house in the near future for a chat about it. firstly I have absolutely no desire at all to chat to them about it in my house. Is there a template to say I do not want them to come to my house? Secondly. They mention a reduced offer as settlement, but didn't say an amount. Now, I have been on a quest to be debt free since I stopped gambling, and paid back the main people. But I guess I left the payday loans to last simply because I do have quite an angst against them - they do prey on the vulnerable soley for profit and to the severe detriment of the borroweer. Don't get me wrong, I take full responsibility for my debts and what I did and have paid some VERY heavy prices - however, lending at whatever it was 3000%+ without doing any checks to someone who is essentially not well is in my mind criminal! However, my mind doesn't really come into play here, it's what the law says that counts. Is there any legislation about responsible lending that these companies should have adhered too? Can you even fight them on these grounds? What would be a reasonable lump sum final offer for a £650 debt? If I did just want to get rid of it? Thank you so much for reading.

Hi Everyone, I wonder if anyone could help me. I've received a letter from Moorcroft Group regarding a debt bought by Arrow Global. To my knowledge I haven't paid anything towards the debt. The original loan was taken out in 2006-2007. I got made redundant from my job in 2008 and stopped making payments because I couldn't afford to be making payments. I couldn't even get any assistance (job seekers allowance) because I was married and my wife was the only one working and she was working too many hours to get any help. Now here we are in 2016 I'm now receiving letters about this debt. I responded to them via email stating that in no circumstances am I acknowledging this debt as I believed it was now statute barred. They have replied stating that Arrow Global have informed them that a payment was made in 2011 but I have been through my records and cannot find anything regarding this payment. I have sent them another email stating that I want to see physical proof of where the payment came from and that I still do not acknowledge the debt and will not do so until I receive the documents. My next question is this. Would the emails I've sent count as a communication and therefore restart the clock on the 6 year limit even though I have said that I do not acknowledge nor take any responsibility of the debt until I get original documents showing when the payment was made etc. Any help or advice would be appreciated. Kindest Regards, Brett Rogers

A close family member has received a letter from Moorcroft re a loan they had with WDA. They were suffering financial difficulty and informed WDA of this, the amount was total payable £278. Letters e-mails and financial statements were sent to WDA to make offer for re-payment, this was sent by Royal Mail signed for del, which was received and signed for by WDA in May 2014. WDA had requested they send them Bank Statements which was refused by relative as they had sent them financial statements and step change docs. To date no agreement has been reached, the last contact with WDA was 16th June 2014.The amount now outstanding according to Moorcroft letter is now £480. 00. Moorcroft are threatening a home visit and also they are willing via their client WDA to offer a discount from the outstanding balance. This means that if you are able to pay an acceptable lump sum we /they will not attempt to recover the remaining balance of the debt. In addition your credit file will be marked as partially satisfied and our staff will be happy to explain what this means when you contact us. Question 1, is what should they do next. Question 2. Should Moorcroft be ignored and solely deal with WDA. All information and assistance will be gratefully received. "EXEMPLO DUCEMUS" "EXEMPLO DUCEMUS"

Hi I have a letter from Moorcroft Group PLC saying they are attempting to contact me (my name and address are on the letter) regarding a personal matter and my address has been provided as a possible address for their customer. It advises me to call them if it is me but also to call them if it isn't so they can update their records. There is a reference on the letter which means nothing to me and I am almost 100% certain I do not owe money to anyone that is not currently being paid. Is there any way I can find out what this is about without calling them as I am very reluctant to do so after reading various forum threads. Any advice on what to do would be helpful. Thanks Just been digging a little more after reading other posts on here. Checked my credit report on Clearscore and this apparently relates to an old BT account from my previous address 4 years ago which I had no idea was there or in arrears and no reason to think it existed. Missed payments from February 2012 but the total owed is relatively low. Seriously annoyed this has been affecting my credit rating. Is there a way I can sort this out with BT without talking to Moorcroft as I really don't want to give them any details.

Date commenced DEC 2014 Approx balance £552 LAST FULL payment APRIL 2015 agreed arrangement - £1 payment agreed for NOV, DEC, 2015, JAN 2016 NOT SURE IF DEFAULTED - do not appear to have default notice DCA MOORCROFT (no notice of assignment received) History: April 2015 - last full payment made 30.8.15 - let confirming acc has been referred to "Argos Recovery Services, a specialist Debt Collection team" 8.9.15 - let sent to Argos requesting 30 days hold of action and interest freeze 11.9.15 - let from Argos - "notice of intended recovery action". Threatening "may be passed to recovery specialist", "legal action may be taken to obtain County Court or Sherriff Court Judg so that enforcement activity can be taken", and adding admin charge of £12 to account for the sending of letter 23.9.15 - let from Argos FRS acknowledging letter of 8.9.15, requesting Income and Expend and and offer of payment 8.10.15 - let sent to Argos FRS with Income + Exp and offering £1 per month for next three months 20.10.15 - let from ARgos FRC agreeding to £1 per month for Nov 2015, Dec 2015 and Jan 2015 - first 2 payments made, 3rd scheduled. 5.12.15 - first letter from Moorcroft 9.12.15 - let sent to Moorcroft requesting confirmation of any purchase/assisgnment, copy of original contract and accounting, requesting written comms only. 8.1.16 - let received from Moorcroft with statement and agreement. No confirmation of assignment. can anyone advise if attached agreement is legitimate / enforceable??? MOORCRPFTARGOSSCAN20160108.pdf

Hi - I have an account with Vanquis that went into arrears. Organised a payment plan with them but had to stop as hubby was made redundant and could not afford it. Heard nothing from Vanquis but got letter from Moorcroft saying they were handling debt. Then a couple of months ago started getting statements from Vanquis with a note on the statement that debt had been passed to Moorcroft. PRA have now been phoning and writing (since about 2 weeks ago) saying they are now responsible for the debt!!! My query is this - if I am still receiving statements does this mean my account is in default? If it says on the Vanquis statement that Moorcroft are responsible can PRA still contact me as have been getting at least 4 calls a day on my mobile which I have not been answering. Should I carry on paying Vanquis even though they have not acknowledged my reduced payment plan now that they are sending me statements? The debt is for £1516. Any advice. Shay

Received attached letter from Virgin announcing transfer of £3488 CC debt to Arrow Global. Included in same envelope was introductory letter from Arrow, requesting I make contact with Moorcroft who are now apparently "managing" my account. Also have had couple of missed calls from Arrow to my mobile over last couple of days. I intend to request contact by written letter only. Original account was with Virgin partner MBNA (under Virgin brand), transferred to Virgin itself last year. Original account opened Oct 2008. Last payment made 13 Apr. Last contact with Virgin I made was Sept 2015 requesting holding period of 30 days. Would appreciate any advice on best way to deal. Do I respond to Arrow or Moorcroft? My personal situation is: Currently on low income of £670pm following business failure earlier this year. Not expected to regain a full liveable wage for 6-9 months. Most other creditors currently accepting £1 per month nominal payment. I'm accepting of the fact that I will at some point probably need to enter into an installment plan, but am looking to "buy time" in the interim / delay the process if possible. Ceased paying all loans and CCs around March/April 2015. Balances as follows: Post Office Credit Card £4500 HBOS C Card £2100 New Day C Card £2100 Barclaycard £3600 Virgin CC £3500 Capitol One CC £4200 Barclaycard £4900 Tesco Loan £1700 Argos Card £495. Santander Directors Personal Guarantee (Ltd co. bank account) £2450 Utility Warehouse £420 Am homeowner with approx £17k personal equity, after mortage / sec loan / sec OD / wife's share of equity. Mortgage and secured loans being paid as per normal.

l had someone do the same from moorcroft...did not say how much l owed .had a earnings and outgoing form on back of letter...should l also send a cca request ,,thank you

hi all, received a letter from moorcroft regarding a debt when i checked my credit report and printed for free a month ago, the debt in question is under lowell??? confused.com i have no letter of it being passed on What are my next steps? I know i need to request a copy of credit agreement but is there anything else? Thankyou sorry just realised on the RE part of the letter received today it says its from ARROW GLOBAL ACCOUNTS MANAGEMENT

Hi all, Trying to sort something out for my sister who has got into some bother with Idem. She originally had a debt with Aqua and despite sorting out a payment agreement with them after racking up some arrears, Aqua defaulted the debt when they were taken over by New Day Credit. At this point, repayments stopped being taken for several months despite my sister's attempts to sort things out with the new company. New Day subsequently sold on the debt to Idem Servicing who have been chasing my sister via Moorcroft to collect the outstanding amount. My sister is adamant she has received no notice of assignation or any other correspondence from Idem, and has only received correspondence from Moorcroft. She checked her credit report a few months ago to see the default issued by New Day was removed, but that a new default had been registered by Idem. She claims not to have received a default notice from Idem and the dates don't tally between that default and the one issued previously by Progressive. She believes the default placed by Idem is incorrect and has been placed in breach of the CCA regulations as procedures haven't been followed. She sent a CCA request to Moorcroft, asking for a copy of the CCA, as well as the notice of assignment , original default notice and a statement along with a cheque for £1. The cheque has been cashed. Moorcroft wrote back saying they had passed the request to Idem, but yesterday she got a letter saying that she should contact Idem directly for the information. The account has been placed on hold for 30 days to allow her time to request the info from Idem. I don't see why she should contact Idem. Surely if Moorcroft are the ones acting as agents then they should supply the requested documents from the creditor (Idem)? The original CCA request was made in August, and nothing has been forthcoming so in my view the debt is unenforceable now until such times as the requested paperwork is supplied. To be clear, she's not disputing the debt and says she owes the money and is happy to pay back; she is disputing the placement of a default that she says has been unlawfully placed on her credit file. All help and advice is appreciated.

I've got a outstanding Argos store card debt of less than £900. I was signed off work before Christmas with anxiety etc and informed Argos/FRS and was asked to send sick note which I did. My arrears at the time on the total debt were £150 and I've been paying £20 each & every month, I know its approx. half of the minimum payment they want but it has been paid. I asked argos to accept this amount but they wanted a detailed income etc form completed and I mean detailed, and didn't fill it out. I'm in arrears with my electric which is a priority debt and they have been brilliant dealing with everything by email as I'm finding it hard to talk on the phone at the moment. Yet this non priority debt isn't happy today I had a letter from Moorcroft saying I have 7 days (now 5 due to them posting it!) to contact them with payment or a proposal for repaying if I can't afford the full amount. I'm still paying each month and I've asked to pay in several letters & emails to argos yet its now with Moorcroft. Some of the debt is £12 charges and interest etc., I will write to Moorcroft and offer the £20 I'm already paying but if Argos/FRS didn't even reply to my offer why would Moorcroft accept? Please can anyone advise me what to do, many thanks

Hi All, I'm being chased for an amount of £100.10 by Moorcroft on behalf of EE (formally Orange). Back in 2012 we took got a mobile broadband dongle for business purposes on a business contract (or at least i believed i was). This was done so on a 1 month rolling contract. The business is no longer trading hence why this was cancelled about 4 months back. I attach a copy of the contract signed. As you can see it does say customer type 'Limited Company' but my name is under customer information. Can i be chased for this amount personally? My biggest concern is my personal credit rating. The amount they are chasing also seems high giving the monthly amount was £35 but the contract clearly states it was only for 1 month. The initial contract was for 1 month and it was kept for much longer than this. Thanks

Hi all, this is my first post, although I have been loitering around the CAG forums for a long time, such a wealth of great advice and knowledge. this is my situation; I took out a loan of £12k with Bank of Scotland in 2008, I was happily paying the monthly payment until 2010 when a 50% pay cut at work followed by a split from my partner left me in dire straights. I sought advice from CCCS, did a budget sheet, got the interest frozen etc. and reduced my payments to a token payment of £1 per month, which I have been paying since. Currently the details are as follows; Account start date 16/09/2008 Opening balance £ 10,994 Regular payment £ 139 Repayment frequency Monthly Date of default 30/11/2010 Default balance £ 9,657 The token payment is made via Moorcroft (these were originally chasing me when i first defaulted but have been quiet since). However, I receive my annual statement from Bank of Scotland. I have recently received some inheritance (approx £5k) naturally thought i would put this towards clearing my debt with a F&F offer, as it is my debt after all. After making a few phone calls to HBOS and Moorcroft, it turns out Bank of Scotland still own the debt and Moorcroft are purely acting on their behalf. Going on the above default date, it should in theory drop off my file 1st December 2016 (I have heard stories of creditors changing default dates??). is it worth making a F&F settlement offer? if so do I send this direct to Bank of Scotland? Or do I just ignore everything and wait for the default to disappear from my credit file? I am asking as I currently private rent and would hope to one day in the next 5 years or so look to get a mortgage. The default has also made it incredibly difficult to obtain any kind of credit such as mobile phone, car lease etc. I have reclaimed all charges / PPI already. The only thing I have not done yet is CCA, is this worth doing if the debt is still owned by the original creditor? Apologies for the war and peace effort! I have worked incredibly hard over the past 5 years to clear any other debts and get my self financially stable, this is the last hurdle! Any advice would be massively appreciated! Skank

Make a long story short: Jan 2014: T-Mobile couldn't provide a usable mobile service due to an ongoing technical fault which lasted 6 months. Let me out of contract early (about 6 months remaining). (Irrelevant why, but) I accepted a handset upgrade for £59.99 which I promptly returned without argument. When I received the credit card bill, there was the charge for £59.99 (handset) and an additional charge of £65.39 Spoke to customer services - they could not explain the charge and they told me that both amounts would be refunded within a few days. Don't get the refund, then eventually (after about five weeks) just contact the CC company to reverse the charges. I had spoken to EE customer service innumerable times before doing this. Nobody has ever been able to explain the £65.39 charge - even up until now. Over the subsequent several months, Moorcroft get involved. I phone them and tell them the whole story. They tell me that they'll speak to their client (EE). Wait about a month or so and I get a letter from Moorcroft just demanding the £125.38 amount again. Finally get so pi**ed off with it, I write to them in January 2015 outlining everything that happened, and what everybody has said, including time and dates I had previously spoken to EE and Moorcroft. I told them in the letter that if I do not get a response regarding the unexplained charges, I will ignore their letters unitl I do. Get a standard response saying that they will speak to their client. Nothing happens until May 2015, just get another letter with the same demand. Ignore it. Get a further two letters in July which I also ignore. Now to what's happened as of now: Email complaints at EE explaining the situation. They still cannot explain the charge. I now appears after some explaination that I did get a refund into my bank from EE but it took them so long that, in order, I did the chargeback, they refunded, then the CC company took about 4 weeks after the request to actually get the money off of them. I have asked them time and again - both Moorcroft and EE - to account for the charges. I have also told them that if a debt exists that I owe, I will pay it. So in the last week I've been looking at my credit report as I failed to get a loan, and everything is green except a default notice every month since the middle of 2014 by EE. I've been back and to via email with EE this week getting nowhere, so I just decide to offer them the £125.38 (which there a chance that it is owed), but they refuse because the debt is with a DCA (Moorcroft). I have already asked them and they told me that the debt has not been sold to Moorcroft, they are just (attempting) to collect it. I've just told them that we are in this situation because Moorcroft did not act in January 2015, and so I refuse to deal with them. So the bottom line is that EE have not sold the debt to Moorcroft. I refuse to deal with Moorcroft. I have offered to pay EE the total amount to stop my (was perfect) credit score being wrecked. Looks like they are refusing to accept my money! What can I do? I don't want to be awkward about it, but I really don't want to give Moorcroft any satisfaction of being able to settle the debt because if it wasn't for them, this could have been sorted several months ago, and my credit rating would now probably be quite good again.

Hi all. I got a letter from Moorcroft in April asking me to contact them urgently to discuss an overdue account; very few details given, date and amount was missing for eg, creditor was shown as Arrow Global. I contacted them by letter and informed them that I didn't acknowledge the debt and that my credit report was perfect, showing no late payments/defaults etc, so the debt would be statute barred in any case. They wrote back to say the account was on hold while they looked into it. I received a letter saying that they had heard from the creditor (who were no longer Arrow, but Vodafone) and that the debt wasn't statute barred because they had received a payment from me last year on Aug 5th.. Absolute rubbish! I've had a contract phone with o2 for the last 11 years, so even if the vodafone debt (for £100 odd) were mine, it had to be from well over a decade ago. I checked with my bank in case I had had a temporary lapse in memory/sanity and had made a lone payment. Of course, I hadn't, not to Arrow/Moorcroft or Vodafone, neither in August or the last 6/7 years we checked. I have printed off a letter, so could someone give it a read and let me know if it's any good please? I'm so unbelievably angry about this (irrationally so), and I'm racking my brains to try and remember whether I (stupidly) may have signed my last letter to them. I doubt it, but would you put it past them to try and lift my signature? Would I be able to prove that? here's what I want to send them. Thanks. Dear Sir/ Madam. I received a letter from you in April, requesting payment for a debt allegedly in my name. The creditor was Arrow Global (who I now understand are your sister company). I disputed the debt in writing, and as my credit report had no mention of it, declared that even if the debt were mine, it would clearly be statute barred. I received a response from you that the account was on hold and that you would respond within 30 days. I received your response, that you had spoken to the creditor who informed you that the debt was not statute barred because I had made a payment on the 5th August 2013. This is absolutely false, I would never make a payment for an account/debt that I did not acknowledge. I contacted Moorcroft (who said that the creditor wasn't in fact Arrow Global but Vodafone) to reinforce this and also informed you that I had checked with my bank, and NO payment to Moorcroft/Arrow Global/Vodafone had been paid, either in August 2013, nor as far back as 7 years earlier. After seeking legal advice following our telephone conversation earlier today, I am no longer just disputing this debt, I am now requesting proof of the debt and in particular, this payment. I suspect fraud has been committed and wish to be able to present any forged payments claiming to be from myself, to the police. If you are alleging that I paid by credit/debit card, I would like the account/card number and sort code; if by cheque, the account number and sort code, and if by postal order, the PO details. I know, with 100% certainty, that I have NEVER made a payment for this alleged debt, either to Moorcroft, Arrow Global or Vodafone. I am also sending a copy of this letter to the OFT to add to their files, as I feel strongly that you are ignoring my assertions that this debt, if mine, is clearly statute barred and continue to harass me for payment. I have never acknowledged this debt. A ''relevant acknowledgement'' as stated in the OFT Guidance 2003/2011 is made by ''(a) making a payment and or (b) An unequivocal acknowledgement in writing that the obligation still subsists''. If you are still insistent that this is my debt and do not have proof of payment to provide to me, then you should absolutely take me to court. Sincerely,

i'd taken out loans for 5 years and managed to keep up re-payments. i then took out another loan, on which i was struggling to pay off, i was then visited by the area manager of provident, tina, who told me i was behind on repayments and i would need to take out another loan to balance the books, or the bailiffs would be calling. i reluctantly agreed. 2 days later brenda the agent turned up. late at night and worse for wear as id been around a friends house, watching football, there she is waving £400 in my face, " this is for you" and we have payed of the balance, after she had filled in the questions herself, even marking me down as the home owner, which i am not and questioned, i signed on the doorstep said good night and went in. Next morning i realised i now owed not the £600 but £2000 £1000 of it interest i knew nothing about. I was then made redundant a week before xmas, brenda had stopped turning up to collect, then i received the call from moorcroft i said the agent hadn't bothered to turn up for months, i was duped into a loan i didn't ask for and told nothing of the interest, least of all being in any fit and proper state to sign anything, they said they'd refer it back to provident. they denied any knowledge of it, said tina had nothing to do with it as brenda's name was on the agreement. i said i'd pay back £1000 but not the interest, there answer was, you have to pay the interest first then the loan. i now have moorcroft on my back, threatening everything, i no longer live at the address but use it as a care of address, but my ex is now panicking because of the threatening letters, what to do please

Been dealing with a few folk who have had door step visits from MoorCrap recently. all the debts are pretty hefty amounts, ie over £3000.

Hi, Quite a long thread but easier to get it all down now and get the situation up to date. I correspond for someone who has a long term mental health issue, as a result of a head injury they received years ago. I've done this for many years without issue. I'm sorry that I have to be quite ambiguous about the person, I hope you don't mind. The person had a payment schedule with LTSB since 2007/2008 and had been paying monthly. It was agreed back in 2007/2008 with LTSB ( pre Lloyds-TSB split ) that I was the point of contact for all communication in the matter and everything was to be addressed to me since contact with the situation causes great distress to the account holder. Recently, as a paying in book was nearing empty, a renewal was requested 2 months prior to it running out, but no paying in book arrived to enable continued payments. Next thing a letter from Lloyds Bank arrived, addressed to the account holders name, against the communication agreement that had been in place all these years with me named as addressee of all correspondence, the letter saying that "as we haven't been able to agree a suitable repayment plan we've transferred your LLOYDS BANK PLC debt to a debt collection agency, Moorcroft Group Plc. We've instructed Moorcroft Group Plc to arrange collection of the outstanding amount" ; then 4 days later a letter, again addressed to the account holder, arrived from Moorcroft stating they had been instructed by LLOYDS BANK PLC to collect an overdue amount ( the figure showing the total outstanding balance ) and went on to state the purpose of the letter. Interestingly, both the first Lloyds Bank letter and the Moorcroft letter both came in envelopes with the same return address on the backs being Po Box 17, Stockport SK1 4AJ. I thought that was pretty odd. I wrote back on behalf of the account holder pointing out that a repayment agreement was already in place and had been since 2007/2008, and that Lloyds Bank had by way of not issuing a replacement paying in book when requested, caused a non payment/missed payment situation to arise, forcing a default situation. I pointed out that since Lloyds Bank had caused this situation through their action ( non action ) that it was they that had defaulted/renaged on the agreement that was in place and made note of fair practices guidelines etc, also asking them to ask Lloyds again on return for a new paying in book so that payments could recommence. I requested Moorcroft contact their 'client' to confirm this and requested they hand the account back to Lloyds. Six days later another letter from Moorcroft arrived, this time in a bright yellow envelope, and again addressed directly to the account holder, asking for them to send within 7 days a payment proposal. Around a week or so later ( 27th November ), a letter arrived from Lloyds Customer Priority Team in Brighton, AGAIN addressed directly to the account holder, saying that due to the situation they would now manage the account. Included was an I & E sheet which they requested be completed, and suggested phoning them would be easier. They ended the letter saying they would hold action for 28 days from the date of the letter and stated that if they had not heard from the account holder in that time that they would either telephone of write again in order to maintain regular contact and keep the records up to date. On the 3rd December a letter from Lloyds Customer Services ( BX1 1LT ) arrived finally addressed to me as per the long standing account holders wishes, the letter said they where keen to investigate the concerns raised and suggested I phone them, going on to say that they would mark the 'complaint' [?] as closed two weeks on from that date but they'd re-open the complaint and review the situation if I came back to them with the required information. Am I missing something? what information? in any case I did not call them, it seemed nonsensical. 19th December another letter from Lloyds Customer Services arrived, again addressed to me, ( so at least they're getting that right ), The letter thanked me for letting them know of my concerns regarding the account, then went on to bullet point a few statements in my letter to them ( apparently, even though it was Moorcfroft I'd written to ) The first bullet point statement was actually incorrect as it said " you have opened a letter addressed to XXXXX despite agreeing with Lloyds that all correspondence should be addressed to you" [sic] The actual statement was that I had read an OPENED letter ( letter had been opened by the addressee and resulted in avoidable mental trauma/distress ) The two further points where correct. The letter apologized for what had happened, but went on to say they could not find anywhere on the system a letter of authority allowing correspondence to be addressed to me ( sent to the account holders address I might add ), but goes on to say they have contacted the customer priority team who have agreed to manage the account given the customers health issues. The letter confirms a paying in book was finally issued ( arrived a week ago I think and a payment was sent to include the missed payment plus that month, so all up to date ) But, then the letter gets confusing sayng the account has now been passed to Moorcroft Debt Recovery Limited to manage, however once a letter of authority is returned I could contact Lloyds to have the account considered to be brought back in-house for Lloyds to manage. In acknowledgement of the issue, they offered £50 for my time and the confusion caused, and to take that offer up I was to contact them on the letter headed details ( presumably telephone ) but I have not called. They state I have the option to contact the FOS if I so wished, and the letter is signed in ink. Nearly there... 8th Jan a letter from Moorcroft arrives addressed directly to the account holder, saying that they acknowledge receipt of payment against the account, which they note was "direct to our client" ( the payment being made to Lloyds using the Lloyds issued payment book as per the agreement with Lloyds TSB ) the letter goes on "We would refer you to our recent letter which informed you that we were now responsible for the collection of your account and would therefore ask you to contact us within 7 days of the receipt of this letter with an offer of repayment It is important that all payments are made directly to us in order that we can ensure that your account is administered correctly. This will assist in ensuring that no further collection activity will commence. Any payment must be attached to this letter and made payable to "Moorcroft Debt Recovery Ltd". Alternatively please see contact details below" What the heck? I'm really confused now, I thought with the payment book arriving and a payment having been made as per agreement that things where back on track, but now Moorcroft are saying they want payment sent to them and made out as payable to them and not Lloyds as per the Lloyds payment book and Lloyds comment that the Lloyds customer priority team would be dealing with it in-house. I have signed the NEW authorisation request that Lloyds sent but I'm having trouble getting the account holder to sign it as they ( the acc holder ) is saying that if they sign it that constitutes a new agreement or agreement to a variation of the in place agreement etc. The account holder wants me to send a *condition agreement letter to Lloyds or a CCA request to them and ignore Moorcroft. * I've since read about a conditional agreement 3 letter process online, but it seems rather sketchy and related to FMOTL rubbish, although to a degree seems valid ( and acts in much the same way a CCA request is a request to see that a valid lawful agreement is in place, but the conditional agreement thing seems to go a step further and borders on questionable. ) I can only think ( being generous here ) that Lloyds have 'lost' the correspondence agreement from 2007/2008 at some point in the splitting up of Lloyds Bank and TSB. The account holders situation has never changed apart from money getting tighter and tighter due to rising costs and welfare reforms. They've not worked in years and are in recipt of DWP ESA being in the contribution based Support Group ( unlikely to ever work again ). Any ideas what I should do? or which to contact ( Lloyds or Moorcroft )