Hi, I don't know if this is in the right place so I apologise if it's not... I am currently in a pickle with my debts.. I became untrustworthy of my debt management company so have cancelled with them and after reading a few success stories, have decided to do a self managed debt management plan. I am in the process of contacting all of my creditors and DCAs to arrange payment plans etc. I have been contacted by Moorcroft Debt Recovery to organise a payment plan with them although they're asking me to fill in a very specific I&E form. I have read somewhere, can't remember where, that they can't ask me specifics, just figures on what I pay out each month... Is this correct? I don't want to 'refuse' to fill in the specifics if I have to by law so I thought I'd get some advice before hand. Thanks in advance

Hello everyone, Today I received a letter from Moorcroft about overdue debt to Orange of £80.99. This is the first I've heard of it. I phoned up Orange and while they were very nice about it, they were also pretty useless. All they could tell me was that it was pertaining to my old account. After my original 24 month contract ran out I had a look about for a new one, the best I could find was with Orange again but to get it I had to set up a new account and cancel my old one, so I did. This was in September, I phoned up and cancelled it as well as cancelling the direct debit just to try and avoid a situation like the one that seems to have arisen. I've spent a good hour or two threading threads here and elsewhere about these jokers so I'm not as worried as I initially was although I'm not looking forward to potentially years of threats. So my question is what is the best way to start off this farce? Thanks

Last one, the big one! Thanks in advance for reading. Type of Debt: Collecting: Moorcroft ('Acting on behalf of' Barclaycard) Status: Default (18/07/12) Balance: £7075.00 (as per credit report) Last Payment: Token payment on June 2012 06/01/13 Request for CCA & 25% F&F offer sent to Moorcroft. 09/01/13: Acknowledgement letter received from Moorcroft. 02/02/13: Counter F&F offer of 90% of balance due, valid for 10 days. - I did not respond to this letter. 12/02/13 Received a letter from Barclaycard showing: a) Statement of my account (balance and current status). b) Reconstituted copy of my credit agreement.( Online agreement so no signature but also no "tick box"?) c) General terms and conditions. Is this all ok? Where do you think I should go from here? All help is appreciated.

This is debt 4/5. Really annoyed at myself for getting this additional default. At the time I thought "oh well, whats another default going to do..." Silly boy. Type of Debt: Credit Card Collecting: Moorcroft (Only 'Acting on bahalf of' Halifax) Status: Default (19/10/12) Balance: £705.00 (as per credit file). Last Payment: August 2012 Penalty and interest charges already reclaimed. 28/12/12: Letter received from Moorcroft offering a discounted offer of up to 20% depending on my personal circumstances. I did not respond to this letter. 06/01/13: Letter sent to Moorcroft requesting CCA. 09/01/13: Received an acknowledgement of my CCA request. Letter also asked me to "provide an indication of the information you would rely upon, when giving evidence to the court or information to the relevant statutory authorities in relation to the alleged subject matter of this account." - I thought this was a very strange request and did not respond to this request. 29/01/13: Sent another letter reminding them of CCA request deadlines and offered 25% F&F. 02/02/13: Received a counter offer of 90% of the outstanding balance valid for the next 10 days. No mention of CCA request. - I did not respond to this letter. 09/03/13 Received a letter advising me that I have 'defaulted on the agreement we reached' and that I was now in arrears of the sum of £159.00 along with some "doorstep call" threats. 14/03/13 Today I have sent them a letter putting the account formally into dispute as they cannot comply with CCA request. I also noted that any form of communication other than written, would be seen as harassment and reported immediately. This one seems strange. They lead with discount offers, now cannot produce a CCA and claim I have breached a fictitious agreement made with them! Any suggestions my forum friends?

After many years of having 2 x credit cards with MBNA I started a second business that failed leaving me in huge debt. A couple of years later I sold my other business wanting to get out as the recession was hitting. I continued to pay the credit cards for as long as possible but what with my Husband being made redundant I soon ran out of money. With three children to care for I came to an arrangement to pay MBNA each month £1 towards each credit card. In August this year I was diagnosed with cancer and I have to admit I didn't pay the £1 to MBNA (mind was elsewhere). Since then however I paid the outstanding months and have gone back to paying £1 a month to each account. It appears that around December time MBNA sold my debt to moorgate who then passed it to Arrow Global who now have Moorcroft harassing me. I contacted MBNA explaining my illness, I continue to send them the £1 cheques each month which they continue to cash, I have sent a letter of complaint explaining I did not give them permission to sell my debt or give my details to a third party. Also complained about moorcroft phoning me despite my request to only be contacted in writing and told them to stop moorcroft harassing me. Response was they were not responsible for moorcrofts actions and that they have a right to sell my debt. These credit cards were taken out around 1998 maybe a year or so before. Previously solicitors had told me that the debt was not enforceable (although I understand this is very complex) As the original debt was with MBNA, are they responsible for the way in which moorcroft continue to harass me? Is there any paper work I should be asking for that entitles them to sell my debt? Can I find out how much they sold my debt for (then I would know what I am up against). As I am continuing to send the cheques for £1 each month as agreed can they take me to court and continue to send me threatening letters? I have no income other than the child benefit, we have been receiving council tax benefit and money is very tight on my husbands income. I do not speak to these people on the phone and today I lost it with the chap who phoned me, Told him he was not to phone me, I would report him, that my debt was with MBNA not him, I was continuing to pay MBNA so he should take it up with them and that he didn't have cancer I did. At that point I slammed down the phone in quite a hysterical state by this time. The bottom line is, I just cant cope with this on top of everything else I have been through the last few months, I am very depressed as it is and really struggle to get through a day without bursting into tears (due to my illness). I am desperate for someone to let me know what my rights are and whether just ignoring these people and continuing to send the monthly payments as I have been doing is sufficient.

Hi, I'm new to this so please accept my apologies if I'm in the wrong forum. A debt with O2 has been passed to Moorcroft. Moorcroft are now telling me that they have applied to the court for a judgment date because I did not reply to their letter that informed me that this would happen (I don't recall specifically getting that letter). They tell me that they can apply for a judgment by default and that once it's applied for the court do not have to contact me and I have no alternative but to pay the whole amount (approx £340) if I wish to avoid getting a CCJ. They have said that the court will give me a grace period of 30 days from judgment in which to pay the debt, during which time the judgment will be lifted and not show on my record. My question is this: Is there nothing I can now do with the court (I don't know which court it is) in order to put in an offer of payment without the judgment being put on? Many thanks Mel

Hi People, For the past 12 months or so, I've been chased by an alleged debt from Creation Finance (Premium First), the outline circumstances are this:-- I took out some business insurance on monthly direct debit via my insurance broker, the finance was arranged via Creation. The broker sent me a renewal letter which said if you want to continue, do nothing. I didn't receive the letter as I had moved premises. I had however cancelled the direct debit as the insurance was no longer required (after one years premiums paid) Broker said its in the hands of finance co - Creation. Creation wouldn't listen to me, basically said tough....pay up or else! They subsequently set WMD on to me. After following advice on here, I sent them the 'prove it, send me the assignment letter" followed by the threat to report them to the OFT. This has then been followed up by relentless correspondence from Moorcroft. I sent them recently the assignment letter which was responded with "We're looking into it YOU NEED TO PAY" followed by "Your account is suspended YOU NEED TO PAY" and then today, a further 'possible litigation' letter. I've had nothing about the assignment other than confirmation that it was verbal from Creation, surely this isn't sufficient? Any ideas on how to proceed, follow up letters etc.? Feel free to ask questions if there is anything thats too vague, the letters received are the standard ones others have posted. Thanks

Hi everyone, i'd appreciate some help please... I recently had car insurance with Direct Line for three months. They asked for proof of no claims which I sent. A few days later I received a letter to say premiums were going up by £100 a month as they had no received no claims proof, despite me posting and emailing it to them. I cancelled the policy and found insurance elsewhere as I was not especially happy about the situation. T he guy I spoke to when cancelling said I would not be charged any more as I had paid each month and cancelled mid month so they may owe me a refund for the remainder of the month which would be calculated and refunded. A couple of weeks later arrives a letter from moorcroft debt recovery stating that I owe almost £300 and they will take legal action to recover it. It seems as though Direct Line have added additional premiums onto the months I'd already had insurance for even though I sent the no claims proof. I have called DL and they said I need to speak to moorcroft now as they are dealing with it. I did not return the credit agreement to Direct Line, I still have it unsigned at home, yet there has been an 'unpaid debt' search registered on my credit file relating to this. Moorcoft are now ringing me on a daily basis, even on Sundays. I'm not really sure what to do, advice would be very much appreciated. Ljovies

i have been inundated with calls from moorcroft. the problem is that my phone number has been recycled from the last subscriber and i am getting all the calls for her. as usual despite repeated requests to cease and desist, i get ignored. i have demanded they send me a copy of their complaints procedure by email which i have just received, i then receive another email from moorcroft with a password telling me i need to use it to open up the complaint document. I smell a rat Dear Mr Further to your recent telephone contact please find attached a copy of our response. The attached document is password protected and an email will follow shortly with the relevant password. Should you experience any problems accessing this information, please do not hesitate to contact us via the email address below. Your sincerely Compliance Team Moorcroft Debt Recovery if i try and open the attachment i will get this This file, Account response xxxx.zip, is password protected so it can't be scanned for viruses. We recommend continuing only if you're sure the file is safe. By continuing to download this file you may risk infecting your computer with a virus. To download, click here:

Hello, I've read a few forum posts and come across a few bits and pieces of help but nothing concrete. I keep coming across acronyms and not sure what the mean..such as CCA. Basically I've had an overdraft with lloyds tsb. I didn't pay any money into the account for a few months so they lowerd my overdraft limit andadded interest and charges to the balance. When i could finally afford to start paying money back They wouldn't freeze any interest or charges. So any money i would have paid in would have been swolled up anyway. EG: 1500 overdraft, limit lowered to 1000 with around £70 a month of charges and interest on the £500 over. I offered to pay back £100 a month untill balance was clear if they stopped charges and interest they declined. £100 pay in on the balance which was around £1700 by this time would bring it down to £1600 but then charges of £70 again...which would mean i was only paying off £30 a month. I refused to pay anything and this incurred a default and the account has been passed on to moorcroft. They have said i can settile the account which is now about 1800 if i pay 80% of the balance which is 1440 but i don't have that kind of lump sum all at once. I can afford the £100 a month through but feel i'll be paying £300 too much ? What's my best course of action here ? thanks in advance !

Hi Everyone, i'm after some advice. I took out an unsecured loan with Alliance & Leicester back in September 2008. Unfortunately I was unable to make the repayments after 10 months as my ex-partner was made unemployed and we were facing repossession on our home. The last payment I made was in July 2009. The company then became Santander and the last letter asking for repayment I had was October 2010. I had been unable to make any repayments on it since the last one in 2009. Fast forward to yesterday....... I come home after staying away with family for a couple of weeks to have received two letters from moorcroft debt recovery. The first one asking to confirm whether i indeed at an outstanding debt with Santander. As i was away they didn't get any response. I also had another letter saying i owed just under £5,000 and were threatening litigation. It said they "may" have no other alternative but to pursue legal action against me. I now don't know what to do. I am currently unemployed and every single spare penny i have already goes to other more important debts. Can they really take me to court straight away, only a couple of weeks after the first letter? Any advice much appreciated, thanks.

Hi Guys looking for some advice. i've recently been contacted via a doorstep visit by Moorcroft chasing a credit card debt of £2600 (Amex) which i stopped paying about 15 months ago. In all fairness he was polite and non-pushy and just asked me to fill a direct debit form in and leave out for him to collect at a later date. I didn't do this as was under the impression that it would be unwise to do direct debit and should offer a standing order instead. He has now chased me by phone insiting that it must be a direct debit form as they don't accept standing order, the only other option is that i call him every month and make a payment over the phone. I've asked him to get a breakdown of the account showing charges, interest and any PPI as the statements i have just show the total balance due. He has said they can't obtain this. Now earlier on tonight i had a phonecall from him telling me he was on his way round as he had been instructed to visit me urgently to reslove. I wasn't in at the time but just wondered what my next action should be ? Should i request a CCA / SAR from Amex or offer very low payments ? I'm not really in a financial position to commit to anything at the moment Any advice would be very much appreciated many thanks

hi list My wife has lost her job, she was self employed. After running out of cash she missed several payments to Halifax credit services. I found out about payment plans etc. My wife phone up the Halifax, made a request to freeze the interest, she stated that she did not have an income. I spoke to Halifax, and offered them £10 per month until such time that our joint finances improved, currently I am the only bread winner and I am making all mortgage payments, buying food etc. After two months of paying £10 per month, we have received a letter stating 'As we haven't been able to agree a suitable repayment plan we've transfered your HALFIAX debt to debt collection agency. I have phoned up the Halifax on 11/12/2012 and asked them what is going on. They claim to have sent a credit default notice 3 months ago which they cliam allows them to do this. I have pointed out that we reached a payment plan with them, this payment plan has been honored by myself. The Hailfax called back today and said that the messages was unclear offered me £30 because of the 'inconvenience' of their answers and that they had not made themselves clear. I have asked them to explain themselves in writing. 1. Are they allowed to do this type of thing after accepting a payment plan? I have not defaulted on it. 2. I wonder why they have offered me £30 if they are so innoccent ? 3. What options are available to me? My wife did not choose to loose her job, its problem of being self employed. I am hard pressed to make my own payments otherwise I would have offered them more.

Hi Forum, long time no speaky... This says it all really, so here goes: I will of course update as and when I get a response

Hi all, Looking for a bit of advice. My partner has banked with Natwest for several years and had a £400 overdraft on her current account. About 18 months ago her house was broken into and documentation / ID was taken. Several months later she started to get letters from Natwest saying she owed them over £1000. She has disputed this and the Natwest fraud team said they could not prove it was fraudulent and she would have to pay up. She refused to pay and the debt was passed to Moorcroft debt recovery limited. Following threatening letters she had accepted that she would just have to pay the debt even though it wasn't hers so started paying Moorcroft an agreed payment of £50 a month. Since she has told me about this I have told her to stop payments to Moorcroft and I have sent a SAR to Natwest. Firstly can anybody provide a template to send to the DCA to explain the dispute and stop letters of home visits, court action etc. When I receive the SAR back from Natwest I hope to find some information that will give us an idea of were the debt has come from and a way of proving it is fraudulent. In the meantime should we pay the DCA the £400 that is actually her debt? (Minus the 3 x £50 payments she has made) Any help is appreciated. Mike

Hi guys i have an outstanding cancellation charge with Orange, now i don't live with my mum and i haven't for the past 3 years. Tonight my mum phones my mobile saying that someone called xxx from MDR has phoned asking to speak to me my mum asked what its regarding and he wouldn't say anything i phoned my mum back and asked for his phone number so i called back to speak to someone called xxx who was a right snotty cow. I asked how she has got hold of my mothers house number and she said maybe you've called us off it before i was like i aint that stupid love, so i demanded she took it off her record and replaced it with my own personal record where could they have got it from ? either from a credit check years ago off Orange or when i was a PAYG when i lived with my mum i dont know but id love to know is there a way i can get them into **** for harrasing another member of my family and can i demand proof all the information they have on me ?

Hi Received a letter off these yesterday, it was defaulted back last year and went to Direct Legal and Collections which i paid them £5 a month for about 6 months as im unemployed at the moment, i had 3 phones on contract mine, my wifes and sons, we all refused to pay the bill up until Orange decided not to provide us with a proper 100% working service, Phone calls not dialing out, No 3G connection to the network extremely slow web browsing, text messages failing and loss of signal on both Orange & T-Mobile, Orange claimed there was nothing wrong on there end and but i declined and stated well whats the possibility of this happening on 3 different mobiles provided by you. So they called me back 3 days later and stated there was problems with masts around the Manchester area and would take several months to fix but no reimbursement offered, so as you can image my wife and son was going mad saying they wasn't paying £35 a month for nothing so decided to give me the phone back and return them to Orange for cancellation so i packed up all 3 phones and returned them without a return address as we didn't want them back and took seperate contracts out elsewhere Orange actually took the time out of there pathetic days work to trace the phones back to us and return them to us via Recorded Delivery so now im stuck here with 3 phones which they dont want back and a big £1100 debt to repay. One thing i dont understand is that Orange are making up fake figures as the Direct Legal & Collections said i owed £1600 but now moorcroft state i owe Orange £1100+ When i asked Direct Legal why they returned the debt back to Orange they stated because i failed to pay August which clearly went out of my bank via Standing Order and was paid full for that Month, Now they have passed the debt to Moorcroft which they will get £1 a month payment without a income & expenditure as i have been messed around by passing this back and forth to different debt collection Me with Virgin Wife with Three Son with Vodafone and all are happy with the service and best thing about it all are paid separate now rather than me paying 3 phones Here is a copy of the letter they sent me

Hi Everyone, ill try and keep this Please if anyone could answer or

Hi All, Just need some advice please, I defaulted on my orange account, this is after cancelling my contract after the 24 months period, i owed orange just over 30 pound, i forgot about it as i was in the process of moving and was busy with that and getting my kids back into schools in the new area. After checking my credit file i found out that i had a default listed back in April this year regarding orange acc. Well i phoned orange on the 2nd oct to pay it and they blatently refused and said i had to ring the dca who are collecting on oranges behalf, dca is MOORCROFT, I refused to speak to them and said i wanted to pay directly to ORANGE, but ORANGE said as the account has been terminated and been past to MOORCROFT for collection, i asked if it had been sold and they stated NO just collection . As i refused to pay dca, i thought i would see if i had a statment with my acc details on from ORANGE, hooray for me i did, i checked the back and it had ORANGE BANK AND SORT CODE details on it so i logged into my online banking and paid the amount off in full on the same day as phone call may i add, also listed acc number for ref. What i want to know is have i done the right thing in by passing the dca and paying ORANGE directly and what to do now . many thanks on any advice

my son got behind in his monthly payment with bt , ,he was paying the bill each month ,on time , in July or August this year ,, his telephone contract was taken out, sometime last year 2011.. .to cut a long story short , they shortened his working hours , ,he is a nurse ,and works for the n.h.s. ,,they cut his hours because they closed down a few wards at the hospital where he worked ,,bt sent him a reminder letter on the 17 th September ,informing him that he owed £155.98, asked him to pay immediately , ,or charges woud be incurred , ,today he received a letter from moorcroft ,demanding that he pay the amount over £400.00 informing him that over £80.00 worth of their own charges had been added to his debt which they state is an administration cost , which has beed added to offset (some of )the costs incurred by our client ..the previous wording and the brackets around the words are as exactly printed on the letter , ,,he is unable to pay this amount in full can Moorcroft add the charges . My son did not receive a letter from bt informing him that the debt with them had been passed to moorcroft ,., Moorcroft want payment by the 10th October .. Please help ,,any advice will be appreciated , ,,my son lives on his won ,he has two children to keep he pays maintenance for , his wage each month is under the £800.00 mark ...

HELP!!!!!!! I have a £5k debt to Mbna from Jan 2010 it was sold/passed around Aic, Wescot, Moorcroft and finally Arrow Global with a few solicitors letters in between. I did try to reason with Aic when the account was first passed but soon learnt my lesson. Last week a letter came from Shoosmiths solicitors (dated 20/9/12) asking me to agree terms in the next 14 days or they would issue court preceedings (threats that had been made in previous solicitors letters), then yesterday a claim form arrived from Northhampton County Court (Claiment Arrow Global). What do i do or can i do? Who do i need to contact and what do i need to send back to the court? Any help appreciated

I wonder if anyone can help? Moorcroft Debt Recovery are pursuing me for 2 debts owed to NatWest (overdraft and bank loan).....they have amalgamated them into one claim. I sent a CCA request & a postal order for £1 by recorded delivery on 21/09/2012 they wrote to me on 8/10/2012 offering a 25% discount on my debt if I paid within 3 months but did not mention the CCA request. I checked with the Post office and they delivered my CCA request letter on 25/09/2012...unfortunately I did not keep a record of the postal order so I can't check if it has been cashed. what should I do now? Thank you in advance

Hi All, Having just passed a significant birthday , I thought I would cca all six of my defaulted credit card accounts, to see where I stood, rather than just keeping my head under the duvet, and paying them forever!. Moorcroft was collecting an agreed minimum monthy payment for Egg/barclaycard. Moorcroft responded to both the cca request, and then 12 + 2 days later I issued an 'account in dispute' letter, which they also responded to. Yesterday I received the following letter from Barclaycard, * I tryed to attach the 2 page letter as pdf's, but the site would not let me, because I don't have enough posts? apologies for my computer ineptness* Basically saying, " we are currently unable to provide a copy of the terms of your credit agreement as varied in accordance with section 82 (1) of the cat. We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues" They go on to say that they have " suspended my barclaycard account" and " this is a temporary measure which will be kept under review" They also state that they may " demand payment, may instruct a third party to demand payment" They site 'Philip McGuffick v Royal Bank' in which it was helt that ' none of these steps constituted enforcement? Also included was a stapled 7 page, double sided 'reconstituted' thingy, - obviously no signature. Do you want me to scan and pdf and upload that? I am guessing that this is a 'result' ? But would appreciate some advise as to what happens now? Are they in fact allowed to " demand payment, instruct a third party etc. " What should I do next? many thanks Tom [ATTACH=CONFIG]38259[/ATTACH] [ATTACH=CONFIG]38259[/ATTACH] [ATTACH=CONFIG]38260[/ATTACH]

I sent off a CCA request to a DCA with a £1 postal order payab;e to the DCA. They have returned it asking I make it payable to the Creditor. They have also asked me to cinfirm if I have ever opened an accoun t with their client and the balance. They finally state if I am disputing the balance or feel it may be subject of fraud I should supply full details. What is the best way forward do I send a payment payable to their client, and what is their role in this matter

Hi all, new here, hopefully I'm in the right place, doing the right thing. I owe BT 360.00 for a bill and cancellation fees as my contract was for 18 months and I closed it early. I wrote to them explaining my financial situation and made an offer to pay in installments albeit small payments. I didn't hear back from them. Then about a week ago I started getting phone calls. I answered the first one and a male with a foreign accent asked for me by name, I asked who was calling and he replied "Jimmy". I stated that Jimmy was unlikely to be his name as he sounded neither English nor Scottish and he laughed and asked me to "confirm my DOB and address". I told him I never give out personal details to cold callers either on the phone or at my door due to identity theft and I certainly wouldn't give them to someone with an obviously fake name who refused to confirm his identity. He then proceeded to attempt to tell me I had an outstanding amount, at which point I stopped him and said as he hadn't confirmed my identity, continuing to tell me details of whatever alleged debtor he was calling over would surely be a breach of data protection and that (ok I lied) I had started to record the call and therefore would have proof of such a breach. He then hung up. The next day I recieved a letter from Moorcroft saying I owe 450.68, 360.00 plus their fees, with the usual demands for immediate payment. I then started recieving phone calls and text messages from them from numerous different numbers, sometimes at minutely intervals, all of which I ignored and added to my blocked list. I have today recieved another letter from them threatening court action with a further 105.00 in costs applied. My account is still accessible via BT website, with the link to pay through the site still active. So my question is, am I correct in ignoring Moorcroft and making payments as offered to BT, direct to them through their site, despite them not replying to me? Thanks Gem.