Hi, I've been getting spammed by text message and phonecall by Moorcroft. They didn't identify who they purchased the alleged debt from. They did leave a reference number in a text message, which allowed me to log into their website and submit a message along the lines of: "Your communication by text message and telephone will cease immediately, and you will contact me in writing. Failure to comply will put you in breach of the Protection from Harassment Act 1999, and s.127 of the Communications Act 2003. Any future communications will be recorded and logged to be used in evidence." They responded by letter saying: "Thank you for your recent correspondence, I write to confirm we require a monthly repayment proposal you can afford and maintain, to enable us to assist you further." This seems to imply they won't stop texting and calling until I agree to hand over money to them.

Can anyone advise please; I have been paying BOScott £26 per month since 2006. I get a letter from them on a fortnightly basis saying I'm one month in arrears (not) also they threaten to take payment from any money in my account even if it is my Husbands. I was made redundant, illness etc & till now have paid up BUT the letters never stop. I have sent a letter asking for details of the debt agreement as I had read on a previous thread. This morning I have received the usual letter Plus a letter from Bank of Scotland telling me they are trying to obtainthe original CCA docs but if that if I'm using a claims Mgt Co. they have quoted a warning issued by OFT re 'even if an agreement was to become unenforceable customers will sill owe any outstanding balance to the lender' etc they cannot have it both ways, who do I owe Halifax or Blair Oliver Scott? I have put up with phone calls, letters etc since 2006 & have letters from Bank of Scot. apologising for any harrasment. I give up!!!

Hi New member hoping for some advice I took a loan out with natwest in 2005-6 ,i lost my job 2007 , carried on paying by selling things and they wouldn't reduce payments even though they knew i was unemployed . Eventually they did after i visited the c.a.b. They set me up paying £1 per month direct but eventually natwest said that wasn't enough and passed it on to moorcroft who i was then paying £5per month to. After a while i noticed the natwest balance statement was about 600 less than the moorcroft's. I queried this with moorcroft they did nothing ,so i queried it with natwest and they said that i'd agreed when i went through the c.a.b. to pay all the account charges for when i was going overdrawn (when i first lost my job and for the 8mths or so i was still trying to pay the full loan payments) Eventually Natwest decided "as a good will gesture" to knock off around £230 of these charges. So i carried on paying moorcroft 5 per month which i couldn't really afford (at one point they put it up to £10 per month!) then in november/december last year i decided i was tired of their threatening letters and trying to get me to increase payments so stopped paying them. Shortly after this i moved house to a new address and though i haven't received any letters from natwest at this address , i have received many threatening letters from Westcot , the latest of which threatening to make doorstep visits via "credit security" (the letter is also titled "DOOR STEP COLLECTION NOTICE" and their balance shows the higher amount by around £450 than what a letter apparentley sent to from my old address from Natwest shows . I didn't notify natwest of my address change . I have not responded to either,haven't returned westcots letters or anything over last 3mths. Unsure what to do as i've been unemployed since 2007 and this financial year now have to pay £17 per month more towards council tax. Should i write to westcot and offer a couple of quid a month or write to natwest and refuse to deal with westcot? i've tried looking around on here but i'm not a good reader and struggling to find where to start. Any advice appreciated thanks Norman

Hi, Well, the story starts when my 18 month contract has ended and I have called orange to discuss upgrade as I was with them already 7 years and quite happy. Received an interesting quote and proceeded with the upgrade, was told that the phone will arrive within 3 days. After 3 days there is no phone, I have waited additional day and phoned orange, they apologised and said that within couple of days it should arrive. After a week, nothing, I phoned orange again and was told that there is an issue with warehouse and phone will be with me soon, after another week there is still no phone, I phoned orange again and was told that the phone actually hasn't even been sent yet. I complaint and was told that it will be sent next day delivery. Two days later still nothing, called again and was on the line with some sort of supervisor, he told me that this time he will take care of it and i will receive it tomorrow. Well you might guess , I did not. So I phoned orange and complaint I believe to the same supervisor, told him that I have never been treated like this and would like him to cancel the postage and I dont want the upgrade anymore, he than apologised and said that he will proceed with the cancellation, and he hope I will come back one day as he might have some good offers for me. Just to make sure I phoned the following day to make sure the contract has been terminated, and they have said that on the system I am no longer active customer and my last bill will arrive next month. Well few days later the phone arrived, so again , grabbed the phone and called the customer service, I have asked the to pick it up as I wasnt ready to pay for the postage. They refused and said this will be deducted from my last bill. I have done it , few weeks later last bill arrived with no deduction on it, full payment. Paid it, did not complaint as i was already fed up with them. Month later a bill for 800 pounds has arrived, for cancellation of the rolling contract... few letter from debt recovery. So i grabbed a phone and called the again, after 1h chat with them, again spoke to some manager, he apologised and said that its a mistake. Two weeks later, another 3 letters, plus a letter with threats of legal actions and from solicitors. Phoned orange again, and they said I am liable to pay the 800 pounds and the previous conversation is not on the system. I have sent couple of letters, spent at least 5 hours on the phone with them which cost me so far around 40 pounds, sent them the phone recorded and insured delivery which cost me 15 pounds.... every time I call them I need to start again and than they wont even have it on the system. I no longer know what to do, they are hustling me ... Please help, any advice will be useful.

Hi everyone, I have received a letter today from Moorgate saying I owe them for a water bill at a property I moved of 7 years ago! It's a standard demand where they threaten litigation and a CCJ. This is the first I have heard about it. I don't believe I owe this money but have no way of proving it. Something worth noting is that I just moved back into the same area that the old property is in - having been away for 7 years and I have just put myself back on the electoral roll there, so I think they have 'found' me after all this time through that. I have read some of the excellent advice on here and I don't want to call them on the 'phone. But I don't know how to get them to prove it's my bill? Can I write to request dates the bill is for? (then I'll be to see if I occupied this rented property at that time). Thanks for your help guys! GoodCitizen

I am currently in dispute with the Halifax credit card people over miss sold PPI which is now with the financial ombudsman. My outstanding is around 6k, I am responsible enough to appreciate that I must pay this back. Unfortunately the same cannot be said of them returning my PPI payments. They did however offer me a settlement of half the balance a couple of months ago, ironically a similar figure to what I would expect the PPI settlement to be. Halifax then decided to hand over the outstanding debt and I received a letter 2 days ago from the delightful Moorcroft Debt Recovery, with the usual ambiguously worded threats etc. .quite honestly until the PPI issue is resolved they can whistle Dixie. My real issue is that today I received a call from my old office stating that a man called Ben from MDR had called asking for me and left a number to ring him back. Ringing me at work, really! surely thats not on and in their letter they generously gave me 7 days to respond and this is day 2 am I being harassed here, it sure feels like it.

Hi Have a credit card from nationwide going back to 1988 and have sent them a section 78 cca with no success and they have stated no agreement available and sent t & c's which only relate to mid term of the credit card usage. However i have now been advised by moorcroft and nationwide that moorcroft have been asked to collect. Sent moorcroft a letter advising nationwide in default of my cca request and that they return account to nationwide. moorcroft have replied account on hold whilst they contact nationwide VOLVO

Hi I hope someone can help me, My wife has been getting letters & phone calls from Moorcroft, she has been in & out of hospital for the past few months & I was hoping to deal with this matter in order to remove an additional worry in order for her to recover. On finding this excellent site, I sent Moorcroft the "request CCA letter from creditor" on the 22nd August including £1 postal order, I received a letter dated 29th August in acknowledgement & they say they had requested the information. Now as i understand it they had 12 working days to supply the documents, it is now 25th September & no documents have been forthcoming so therefore they are in breach of the cca. However today I have received a solicitors letter from Bryan Carter Solicitors threatening proceedings & additional costs. I really don't know what the next step is & with my wife again in hospital I really don't want to worry her with this letter. So any help would be gratefully received. Regards Paul

Hi all, really hoping for some help and support! A bit of background: I was insured with Direct Line for 1 year, upon receiving the renewal letter I wrote to Direct Line asking them to please not renew my policy. I'm very hot on finding the best deal and so once my policy with Direct Line had ended it took a couple of weeks to find one I was happy with (that and I didn't need my car at the time). I then received a letter from Direct Line requesting payment as my card had expired. I called and said that no payment would be given as they were no longer my insurers. They requested proof of my new insurance and so I sent them a copy of my policy. Now the policy obviously started a short while after my policy with DL ended and so they think that I owe them money for insuring me for all of 2 weeks! I have since ignored them and it has been passed to Moorcrap who have today sent a letter threatening a home visit!! What should I do! I don't believe I should have to pay them when I didn't think I was insured and wasn't even driving my car!! All help welcome! Thanks Li

Hi everyone, hope you can give me some advice. To cut a long story short until a couple of months ago I was paying Churchwood Financial £80 to pay off a 4 credit card debt. I could not afford this as I am currently not working and my partner was kindly paying them from her part time wages. Upon speaking with the CAB I discovered I was eligible for a DRO(Debt Relief Order). I cancelled the account with Churchwood. Upon further chats I decided to use the self help pack and offer each creditor £1. Our disposable income was £7!. I sent each a very nice letter informing them that although I qualified for a DRO I would willingly pay them £1 a month until my circumstances change (which I hope they do, hence the reluctance to try a DRO). I sent the letter, complete with other creditors and amounts and also a budget sheet clearly showing out budget. The creditors were Cabot, Capital One, Moorcroft and Link Financial. Moorcroft have already agreed the amount. Cabot and Link have yet to respond, even though I know they got the letters on 28/08/2013 as I have a signed for receipt. Now the unusual thing. My father has recently gone into a nursing home so does not live at my former address. I also do not live there, as my brother and I are sorting things out there to sell the house for dad. I still check the post there every day. Last week there was a letter from Capital One saying they had passed over to Fredrickson International and I should deal with them. Well, I ignored it (my new address since August of last year was clearly stated on the letter to them on 28th August!). I went down again today and find a letter addressed to me again from Fredrickson International saying they want the full amount to avoid "further debt recovery". Now my question is, do I let them know I have the letters? (even though they are to the wrong address and Capital One have a letter with my new address on anyway!) and do I pay Moorcroft as they agreed, and contact the other two to find out if they want to continue?. Or do I just wait it out?. Would appreciate any help on this. Thanks very much Andy

I've been making payments to these guys for sometime now, possibly unecessarily, but its been keeping them off my back I get a letter asking for more every so often but just say I cant afford it. Anyway since joing CAG I've learned a lot and am wondering if its worth sending a CCA request but dont want to stir up a load of hassle and potentially court action Reading some Egg threads it sounds like their agreement are now deemed ok following a test case, but I suppose there is a chance that Moorcroft wont have the agreement - any views on this liklihood or their track record in relation to them coming up wiht the goods. cheers

Good Afternoon In March I received a letter from Moorcroft saying that they are acting for Santander, and did I live at an address 10 years ago - yes it was me They the said there was an outstanding debt I asked for evidence but none was forthcoming - after phoning them last week and Santander (most unhelpful) some evidence / statements are in the process of being sent to me. In the mean time within the past month my credit reference has be negative marker placed on it - only found out when I went to get a mortgage quote. There has been no activity on this account since 2003 when I moved house, and there was a small amount outstanding I believe on an account - possibly credit card with Cahoot. the amount has increased because of interest and charges I am now about to send of a Subject Assess Request for all data held and a Statute barred letter to both Santander and Moorcroft If Moorcroft can find me after 10 years why didn`t Cahoot, I have had a mortgage and debit / credit cards / store cards I have not been a financial fugitive. Why has Morecroft sent me this letter when they know that it is Statute barred / limitations Wessex Warrior

Ok. It seems that there is one debt, annoyingly in joint names, that is still outstanding between Mr B and myself. It is a Santander current account which is in debit to about £1000. I have never used this account, but digging around shows me that it dates back some 20 odd years and has been passed on from several different banks due to take overs. I went into my local branch of Santander where I was told the account had been closed but they couldn't tell me anymore. I was given a number for Santander Collections, so gave them a call. It turns out that the debt was sold on to Moorcroft last week, so I haven't received any letters of assignment to date. Santander refused point blank to take the account back so that I could deal with it. I have no intentions of phoning Moorcroft, nor of giving them my new address or phone number (my post is still being forwarded by the Post Office until the end of the year, so I will get the letters they send). However, I want the matter dealt with in the best way so that I can finally get an end to the whole sorry bl**dy saga of this marriage. What I would like is some sensible advice on what I should do next. I have dealt with plenty of debt collectors before but not for a debt relating to myself. Should I offer them some kind of full and final settlement, inwhich case what percentage would be an acceptable offer. Or should I tackle it another way? Any advice greatly appreciated. Many thanks, Mrs B.

This is a follow on from thread 399587 - as suggested in there. http://www.consumeractiongroup.co.uk/forum/showthread.php?399587-DCA-s-stopped-contacting-me-want-to-set-up-some-form-of-plan-though. Moorcroft were chasing for £400 (error in previous thread, I said £260 - as I'm sure thats the amount asked for in a previous letter.. Yet my Credit Record says £400. ) regarding a PDL taken out at the dreaded W-word. This was taken out 30/04/2012; and then defaulted on 07/08/2012. Moorcroft began attempting to recover this around December or so, and sent out the usual scare-mail, but stopped around March. Since then I haven't heard anything, and I have had a sharp decrease in the amount of phone-calls I've ignored. (If I don't recognise the number, I don't answer.) Surprisingly, simply ignoring them appeared to have put a spanner in the works, and they've stopped chasing it. As circumstances have changed, I've decided to try and put it right, if only to prevent any further action - and perhaps getting the balance down (considering it's reported on my CR as outstanding debt). It will also stop this from hanging over my head and I can stop fearing them coming after me at any time, of having a bad letter in the post or a knock on the door. It's doing my head in a bit to be quite honest with you. My main concerns are: Have they even got the debt or have they sold it on? Are they going to play games when I'm genuinely coming forward to put an end to this situation? If I let sleeping dogs lie, whats the worst case scenario? Essentially I'd like to open contact with whomever owns this debt and: Confirm they are in possession of the debt. (CCA Request?) Confirm that they haven't sold the debt. (SAR?) Confirm that upon paying off the account that they will report the account as settled at £0 to relevant CRAs and provide me with a valid receipt/letter confirming the status of the account (i.e settled. I will ask for this in writing prior to making the first payment?) Is there anything wrong with this idea? If so, who should I contact - the original creditor or the last known collections agency? (I'm guessing the OC!) Are they likely to confirm these things in a reasonable manner, or am I going to have to go the route of "In accordance with OFT guidelines, until I have the requested information it's a deceptive and/or unfair business practice to commence collections activity" and so on?

Hi everyone, this is part of my bigger debt problem here... http://www.consumeractiongroup.co.uk/forum/showthread.php?387784-Big-Debt-Problem...HELP! I sent a CCA request to Moorcroft about a month ago. I received the following... [ATTACH=CONFIG]45629[/ATTACH][ATTACH=CONFIG]45630[/ATTACH][ATTACH=CONFIG]45631[/ATTACH][ATTACH=CONFIG]45632[/ATTACH][ATTACH=CONFIG]45633[/ATTACH] Zero details on any of them and no signature! They have also visited my house once before the CCA request and once during. I was out both times and they put a card through.

Hello all, I have received a letter from Lloyds, this was in response to CCA request of Moorcroft, I had originally made the same request of Lloyds. In this letter I am told that I have not provided enough information for them to trace the account. I am also told that section 78 only applies for the lifetime of an agreement. I want to write back but I am unsure as to any possible way forward in doing so. Any help as always would as always be greatly appreciated. It is my belief that they do not have the agreement and my preferred option is to write back and suggest that the matter now be considered closed. Your Benjamin

my partner has a Debt of £165.96 for t mobile phone contracts today out of nowhere a guy turned up at the door i told him she wasn't in so he posted a card tried to add links but it wouldnt let me the front says the debt the reference number and who called and the back says we will only ask you to pay what you can afford in bold red, so ? Any help would be appreciated or info Thanks guys

Hi Guys, Sent 12+2 letter to Moorcroft after they failed to provide a credit agreement for Credit Card (originally taken via sainsburys circa 2006) and received the following response. Looking for the best way to respond really. Havent seen this response on any previous threads. In short I was paying normally until divorce then couldnt pay in my panic after defaults I agreed reduced payments. Do I need to respond to this and stat any perceived agreement to pay was achived under duress therefore not valid , can I sent them an s10 letter? They have provided no credit agreement whatsoever. Thank you in advance for your help!!

Split out from http://www.consumeractiongroup.co.uk/forum/showthread.php?396381-Observations-please-on-how-I-hope-to-deal-with-a-number-of-debts , addressing a group of similar debts. CCA letters sent , now posting individual cases separately as each progresses: ************** This is the last of those 4 matters, a NatWest credit card account being handled by Moorcroft to whom I have been making reduced payments of £5 per month. CCA letter sent last week as advised, typing my name rather than signing it, and leaving the payee name on the Postal Order blank as stressed. I have now received a reply that is manipulative, amateurish, scheming, laughable, or all four. To quote: "Under the instruction of the above client and in order to ensure that your data remains protected, all credit agreement requests must be hand signed. Also our clients require the £1 fee to be made payable to them. Please re-send your payment made payable to the above named client and re-send along with your hand signed request letter as soon as possible so that we can action your request." They have returned the Postal Order. I believe this is complete and utter tosh, am I correct? If that is the case, then whether it is deliberate in order to obtain a specimen signature or for some other self-serving purpose, or is accidental because they have all the professional acumen of a boiled egg and half as much intelligence, a swift and rather sharp rap on the knuckles is strongly called for plus proper attention to my request which at this point happens already to be ten days in to the 12+2 allowed to them for complying. Can someone possibly please provide a suitably robust form of words that I can use in reply referring them directly to the appropriate regs and formal provisions and duties for receiving and efficiently dealing with a CCA request? Thank you.

my partner had an argos store card a couple of years back and fell behind with her payments then a company called moorcroft took the account. she is paying 18 pounds a month to moorcroft she cant remember if she sighned a cca should i send moorcroft a cca request and if they fail to send one back within the 12+2 days stop any payments. also if it is an enforcable debt is she within her rights to pay them a pound a month as its a non profitable debt. even though she works. any help would be appreciated thanks.

Hi guys been dealing with the Moorcroft clowns ref my wifes old Barclaycard balance since January now. They have never sent a CCA as requested and Barclaycard will not/cannot supply a SAR. I replied saying when Barclaycard come up with a SAR so we can claim charges & PPI then I might think about entertaining their demands. The SAR was sent to them recorded post 3 months ago. Today shes had a letter from Moorcroft saying that BC are unable to supply a CCA but the balance still remains payable. Also that the ICO confirms that she is not obliged to repay in accordance with the CC Act, it doesnt mean there was no agreement...she will continue to be reported waffle waffle So....my opinion is to ignore and bin any further letters...??? thanks

Hi There, I have a MINT CARD I had it for 10 years there is a £5003 default balance 14/2/13 last payment made on March 2012 passed to Moorcroft debt collectors does anyone have experience of dealing with these people? im in a difficult situation at the moment but really trying to get life back on track They supplied a copy of original agreement has a squiggle in the signature box (this is my squiggle) there is no ppi on this account any help would be much appreciated

Hi all, my husband has recieved a letter from MOORCROFT after many emails to WONGA requesting a payment arrangement with no response. Im not sure how much the original loan was for but I think it amounted to about 400pounds, Moorcroft are now asking for £1291.49 (pppaahahahahahaahaahahahahaha!!! --choke--) Obviously they aint getting that or anything near that. We can offer token payments and have done in emails to Wonga but as they havnt responded I dont know who to deal with now...presuming its Moorcrofts debt now? Not sure how to proceed so would be grateful if someone could advise me..... Also- can we get the original loan agreement and amounts etc through the online account? We would also like to find out if this debt is classed as a 'default' on his credit file as we dont want it to be an 'arrangement to pay' status-can anyone tell me how to find out please?

I had a Credit Card with Vanquis (Credit Limit £500), which was closed (according to Vanquis) and passed to Moorcroft on 23/03/2013 with an outstanding balance of £703.51 (mainly due to added interest, charges and ROP) I spoke with Moorcroft and informed them that I would be able to clear the balance 'in full' on 30/04/2013 (which I subsequently did). In the interim period I received a bill in April from Vanquis with another ROP premium added increasing the outstanding amount to £739.93 However, when I spoke to Vanquis they informed me (again) that my account had been passed to Moorcroft and that I needed to speak to them. They also told me that i need to destroy my Vanquis Card As stated above I contacted Moorcroft on 01/05/2013, who informed me that the amount owing to close the account was £703.51, which I paid 'in full' by Visa Debit upon which i destroyed my card (as advised by Vanquis!!) I received a letter from Moorcroft dated 02/05/2013 confirming my payment and that the account had now been settled in full. Much to my surprise (although on reflection no surprise at all) I received yet another bill from Vanquis dated 05/05/2013 with yet another ROP premium added and that the outstanding amount was now £749.48 When I spoke with Vanquis they told me that although it was showing on their system that I had indeed paid Moorcroft the £703.51, they hadn't received confirmation as such (whatever that means) which is why another ROP had been added to an account Vanquis had previously told me had been closed!!! They suggested, I contact Moorcroft as all correspondence should now be with them!! Within ten minutes of my call to Vanquis I spoke with Moorcroft who needless to say informed me that as far as they were concerned the account had been paid 'in full' and that they had confirmed this with Vanquis on 02/05/2013 (three days before my latest bill for a supposedly closed account!!). When I went back to Vanquis they tried to blame it on the Bank Holiday weekend but informed me that I still owed £18.97 I asked vanquis how I could owe money on an account they had previously closed and on which I had already settled...low and behold they suggested I contact Moorcroft as they were no longer dealing with the account.....What a complete bunch of numpties. However having spoken with a supposed Supervisor!!...He informed me that he will contact the 'Exception Team' immediately to get the 'Outstanding Debt' of £18.97 written off. My main query is that how can Vanquis keep adding to an account they have supposedly closed and as such having paid Moorcroft the outstanding amount 'in full' there subsequently shouldn't then be any more owing anyway. I would also hazard a quess that by calling it ROP (which isn't worth the paper it's written on by the way)....It's a loophole to get Vanquis out of any mis-sold PPI debates. Surely once my account went into default with Vanquis the ROP should have stopped anyway as (like it is with insurance) if you default on payment the policy becomes invalid and as such if it's invalid then you shouldn't still be charged the premiums!!

Hi all, my son got a letter from Freds demanding £150. He hasnt a clue what its for but obviously was a little worried about it. So having loads of experience thanks to CAG, I rang them. I refused point-blank to give them any personal details via their "security questions" routine, and simply asked who, if anyone, this money was owed to. They wouldnt/couldnt tell me as I wouldnt fill in their blanks via the security routine. Five minutes passed and then we got to the threats of potential CCJs etc if it didnt get sorted. I retorted ( pretending to be my son) that if they thought they could send a letter to a certain address confident that they had the right person, without any "security check" - a letter that contained a name, address, reference number and amount demanded, then a further "check" would be pointless and only serve to extract further information from their target. as expected, I learned nothing, but neither did Freds. I told them at the beginning of the call that it was being recorded, and it was. But this has now got me thinking - what if I make a few calls to Freds along the same lines and record them all? Surely I would have demonstrated ( to a possible court) that I had tried to sort this and that my refusal to furnish a DCA with further information should have no bearing on the fact that the "debt" hasnt been resolved? After all, they made the initial demand, so surely the onus will always be on them to prove it - they have already sent the most basic of details via the letter, so now send details that "prove" it? Surely I could not be expected to give any personal details to a company that makes nothing more than a demand for money without providing any details? Thoughts anyone?