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Found 147 results

  1. Hi, I had an agreement with MBNA where they would hold all interest, as long as I paid the debt off within 10 years. The amount owing was divided up in 120 months (10 years). However, in the mean time, they have decided to sell the debt, at the same time as our financial situation has changed. The monthly payments are now less. They write to inform me that I am in arrears. The DCA have said the following, is this right does anyone know?? The payment was set by MBNA, based upon, I assume a previous Income and Expenditure form at the point of being 'charged off' which means no further interest is applied to your account but it does mean that this is your 'normal monthly payment'. This can not be amended now as it was sold on this way. It is also less than the 5% normally applied to credit card accounts. And so, we are happy to accept your offer of payment but as it is does not meet your contractual payment the arrears will continue to accrue. We have a legal obligation to reflect accurate data to the Credit Reference Agencies, which also includes arrangements, missed payments and arrears and so your data entry at the credit reference agency will be updated with this information.
  2. Hi all, I recently CCAed all my creditors in order to try and sort out my finances finally. I have been paying £1 token payments to each, having defaulted on all over 6 years ago. I have moved house a few times since and have lost track of what has happened to them all. having sent a CCA request to Robinson Way, who I originally dealt with for a Halifax debt, I received a strange reply, returning my £1 PO, and saying that "the account is closed on our files, please contact our principal". This was written on a very unprofessional piece of paper that looked more like a memo than a letter! Has anyone got any advise as to how I should proceed with this? The 12+2 days are definitely over. As Robinson Way were dealing with this, is it still their responsibility to respond to my CCA request? Thanks AM
  3. Hi All, Was on here some time ago (7 odd years) and received some incredible help. Sadly 2 years ago i fell into some issues and couldnt work at the time. Thus accumulating some debts. One of them is a credit card with Halifax , approx £5500, that had been passed to Moorcroft. I have sent them a 'prove it' style letter They have replied to me with 1 page which is a personal details page and 1 page which is the signed CCA, from Halifax (photocopies) I am happy to settle this debt but want to know peoples advice, opinions and the best way about it. i do remember a fair bit and have been reading up. Seen the settlement letters, but also conscious the debt seems no longer with Halifax or is do Moorcroft just act on the clients behalf as opposed to buying the debt? I aslso have 4 others than are with Capquest, but rather than making this post complicated, i'll post a new thread. Thanking you all in advance again
  4. Evening All, I'm well on my way with letters and CCA requests etc but there is one that I could use a little advise with if possible please. I have an outstanding amount of £131 from and Argos card. I was paying this off at £1 a month through PayPlan. I stopped paying this about 6 months ago and has been passed to Moorcroft (I'm not sure if they bought it or if they are collecting). I have worked out that I have actually paid more than was what originally borrowed, the remaining debt is purely interest charges and late fees. Does anyone know if there's a good way to address this to Moorcroft/Argos to get the account closed/settled without having to pay anymore, as I've repaid more than the original amount? Many thanks in advance
  5. Hi folks, For the last few months Cabot has been sending me letters demanding that I contact them. As the failed to provide me with the CCA in 2016, I ignored them. Today I received a letter stating that they are instructing Moorcroft to arrange a visit to my home. I sent them the template CCA letter on 28th July 2016, and received a reply on 3rd August 2016 stating that they were unable to get the relevant documents, and acknowledging the 12 day limit. (I still have all the letters). Up until recently I have not had any communication with Cabot for the past 2 years. My question is there a template letter I can send and where do I stand?
  6. Hello all, I have had a long running issue with BT I have my broadband no problem paid by direct debit and with no issues, however when I renewed, because I was on a business line I asked to be changed to a standard domestic line long story short I was persuaded to keep the Business line with promises of any faults being pushed up the queue as businesses take priority and there was a free Samsung Tab E when renewing the contract so I said yes and away we go. So the twist is when I was renewing the contract they had my business listed completely wrong and for a completely different industry, I informed them of the error, and requested they change me details but they haven't, and then they started sending a separate bill for the tablet, I have rung them several times telling them the tablet was supposed to be a free gift, which they say it is but I have to pay for the sim card which is £8 per month, I complained again then relented and told them if I was going to keep the sim card which is not being used and has accrued no data usage as it is only used in the house by wife through the wi-fi, I wanted the correct business name applied so I could set up a direct debit through my business account, they did nothing except keep issuing the bills which I ignored assuming they had been told enough. now today I receive a letter from Moorcroft under the wrong company name demanding £365 for an £8 a month contract which lasts 2 years where do they get their figures from. So to the point what do I do to get rid of these idiots. And sorry for the long post Sorry just to clarify I still have the broadband with no arrears and no issues its only the separate tablet account that is an issue.
  7. Hello again CAG, it's been too long! You'll be pleased to hear (I hope) that my own debt problems are now behind me, however I'm now looking for some help for my wife. She recently received a letter from Moorcroft regarding a Thames Water debt. Moorcroft state the amount outstanding is £692.48, and that they have asked their local representative to call on the 28th November. I would normally fire off a CCA request, however, as I understand it, Utility debts aren't covered by the CCA. What would you lovely CAGers recommend as my next step? We've talked about sorting her debts and she also has a mobile phone debt (currently with Resolvecall) and a Sky TV debt (which has allegedly been sold to Fresh Start Vanquis Bank). I would appreciate any advice you have to offer in dealing with these DCA's, as I have only ever dealt with debts that are covered by the CCA. Thank you in advance, regards, Wally.
  8. What has happened to them, I have an outstanding debt with Thames Utility that had been transferred to Moorcroft and I just want to pay it off, the website MDRL.CO.UK does not seem to be working - weird.
  9. So I need some advice. Long story short, I was working for a small lettings agent. I was given a company car however the owner told me to take out personal car insurance, stating that he would pay the monthly direct debit. This was the case and I was working their for a couple of months until unforntualy I had an accident in the car making it a write off. I then had to claim on the insurance, the car was paid out, after that the owner decided he didn't want me to work their anymore. I then lost my job, the owner canceled the direct debit for the insurance which then, in turn, caused Direct Line to cancel the insurance. I then, however, started receiving letters from Direct line insurance stating that I owed the £1809.71 for the rest of the insurance premium as per the terms and conditions. I ignored these letters for months, however, I am now receiving letters from Moorcroft Debt recovery LTD who have been instructed by Direct Line insurance to collect this £1809.71. I need some advice asap, I am currently not in a situation where I can pay off this debt and to be honest I don't really want to.
  10. Dear Members I have read many threads on this particular company, history i have a MBNA debt £9517.49 STARTED 2010 DEFAULTED JAN 2012 debt passed as follows, i am paying Payplan and have done for over 6 years at present DEBT PASSED BETWEEN COMPANIES BELOW 8/6/2010 MBNA 2012 BRITANICA 8/2/2012 PARAGON PERSONAL FINANCE 15/11/2012 ARROW GLOBAL 15/11/2012 MOORCROFT GROUP 06/10/2015 ARROW GLOBAL GROUP MOORCROFT GROUP 6/10/2015 MOORCROFT 9/6/2016 I telephoned MBNa they said they have no paperwork . i CCA them today and SAR. The debt has passed as above through several companies . I have sent a CCA to Moorcroft along with a GDPR article 15, sent 25th May 2018. Response form Moorcoft as attached They acknowledge receipt of GDPR and confirm they are just an agency I should contact Arrow global Guernsey, I have reported them to the ICO, they send me letters so they have my data. just received this attached in post today . Please see attached letter received today, notice they acknowledged my CCA, but clever wording, advice please thank you in advance caa moorcroft response 01.pdf
  11. Hello all. I'm hoping someone on here can help me. My partner received a letter from the land registry advising of a 3rd party wishing to apply to secure a debt on our property. After investigation this debt is from a shortfall in a repossessed property from 2002. My partner has no knowledge of this mortgage. The complication is her Ex Husband was declared bankrupt in 2006 and he owned a number of properties. We have asked for proof of this mortgage being in my partners name and the solicitors have sent us a photocopied mortgage application form with both my partners and her ex's signatures. Now it does look like her signature but it obviously isn't witnessed or anything due to it just being a application form. Please correct me if I'm wrong but i am pretty sure this doesn't constitute liability to the debt? Some of the information on the application is also incorrect. For example reference address for my partners then work. The mortgage was agreed and house purchased in May 1995 for £18,500 The outstanding mortgage was (I'm assuming this includes interest and costs?) £22,193 and the house was sold in 2002 for £14,100 (Which for me seems a little too low?) The whole thing to me seems to stink to high heaven. From my partners ex possibly forging signatures to the Solicitors/HBOS not sending to correct documentation/proof!! Any Advice or guidance would be much appreciated. P.S the court date is set for 30th Nov Regards Dean
  12. I (and my now ex-husband) had a house repossessed back in 1998. There was negative equity of around 25k. I made a full and final settlement offer of 2.5k which was accepted in July 1999. It was paid and I had a letter confirming the debt was settled. I cannot find this letter. 19 years later with no contact from them whatsoever, both Halifax and Moorcroft write me letters. Moorcroft have asked me to pay 18k. Am I right in thinking that as no contact has been made for more than 12 years, that I do not have to pay? As iy was full and final anyway, surely yhay counts for something? Would Halifax have records which would have a copy of correspondence from back then?
  13. Hi everyone, I need some advice on a credit card debt and a loan debt. I used to live in the UK but left in 2009. I have a credit card debt of £3000 and a loan debt of £11k. Both accounts are with Cabot Financial. I used to pay very little (between £1 and £10) towards the credit card debt, on and off over the past 9 years. I recently got a letter from Cabot saying that they instructed Moorcroft to arrange a visit at my home so that they can put me back in touch with Cabot. I have my address in Poland but am not really there very often. Regarding the bigger loan debt, I haven't been paying anything toward that account, I think, for at least 6 years and haven't communicated with Cabot about this debt. The question is, can any of these debts be cancelled? And what about Moorcroft in Poland? Any advice is greatly appreciated.
  14. New here, been reading some posts, but so much info, getting confused.. Well over 10 years ago, had 3 Credit Cards, 2 were with Barclaycard directly, another via another company, but at some point Barclaycard took that card over also... In the last 5 years at least have had a payment plan with Barclaycard with all 3 accounts, as I could no longer afford the monthly amounts along with interest, in Dec 2016 Barclaycard passed 2 of the accounts over to Link Financial, paying one at £50.00 a month the other at £100.00 which is what I was paying Barclaycard In June this year Barclaycard passed the last one to a Hoist Portfolio Holding Limited, who in turn immediately passed it to Moorcroft Debt Recovery Limited I own £1866.75, was paying this at £53.00 every month to Barclaycard, they now sending Letters asking for payment/flexible approach etc What upsets me about all this, I've never missed a payment with Barclaycard, may be a date but doubled it with the next one, my bank account goes from Black one week to Red the next.. So have no spare cash to play around with, Barclaycard was getting their money back, just not quickly. Now have payment details with Moorcroft via account details, web page etc, not yet contacted them, but don't what to fall behind with them just to incur interest etc, so making the amount owed even more & will then take me even longer to pay off.. Can anyone please help me, not sure what to do...
  15. Hi all I have an old Halifax credit card account opened in 2001. For the last few years Cabot has been trying to collect on a balance of £2097.60. I sent a SAR to Halifax, they sent me back a mountain of paperwork from which i found that the last time I made a payment to them was in 2006. Statements continued to 2014. There was no mention in the paperwork of transferring ownership to Cabot. There was also a copy of the original CCA. For the first few years I was paying PPI and the outstanding balance is made up of a lot of fees. However it is my understanding that the account is too old to query this. I sent a CCA request to Cabot. They replied saying they couldn't find it and that collections would stop until they could produce one. They sent me an unsigned word processed doc which would have approximated the real one - is this legit? Moorcroft are now acting on cabot's behalf and threatening doorstep visits and phoning at 8am everyday. This account does not show on my credit file. Just wondering what anyone else would do in this situation - should I make a f+f offer to Cabot? Moorcroft? Any advice would be thankfully received.
  16. Hi, For over 10 years I am on DMP. I started with the company who was charging me a lot for just collecting my DDR and distributing them to my creditors. I have over £ 50k in debt and pay £240 pcm. As me and my husband are retired that money is very needy. I was thinking of stopping DDR and try to sort out the debt. Could anyone give me an advice where to start? If I stop DDR can the debtors put a default on my accounts? after receiving numerous phone call a day I got myself into DMP with stepchange; recently I have discovered consumer action group and I decided it is time for me to act . My plan expires in 2037 and I have already paid them more then they bough my debt for, my question is do I need to cancel direct debit first or I can send them a debt validation letter? did anyone have similar problem?
  17. Hi all and thanks in advance for your help. I defaulted on some debt after losing my job. The defaults were for a credit card and a loan and were in June 2011 and July 2011. Am I right to think that these will fall off my credit file automatically shortly after June and July 2017? Or will they stay on but just show the last six years of credit history associated with them? In the meantime I have managed to maintain and pay credit that has appeared on my credit reports as well. These include a Barclays credit card, a Lloyds credit card and an O2 phone agreement. The minimum payment for each of these has been made each month (other than three occasions in 2014 where there were late payments) and often much more than the minimum payment has been made (e.g £400 instead of £30). The Lloyds credit card has now been paid off in full and I have no intention of using it again but I have kept it open. My remaining credit card has a limit which is being raised to £4500 some time this month (by the bank not at my request) with a balance of about £200 which I am planning to clear on payday at the end of May. My question is, if the defaults disappear from my file next year, what is likely to happen to my credit score? At the moment on my Noddle report it sits at something like 560. Once the defaults have gone is my score likely to shoot up if mY credit rating is considered satisfactory or will it take time to build back up? I appreciate Noddle is just a free report and will buy my Experian report closer to the time. I ask as my husband and I hope to be in a position to buy a property within the next two years and am wondering if we would be best leaving it for a while after the defaults have come off before looking seriously or if we can just get cracking once the defaults have gone.
  18. Just discovered that Arrow have marked my credit file in 2016 when I stopped paying my £1 contribution that I had been making since 2010 Can I do anything to remove this? Arrow notified me of a transfer of this debt in March 2016 to Restons Ive never done a SAR on it, is it all too late now? Thank you
  19. Last October my partner had heart surgery, as a result, income into the house was significantly reduced. I contacted Vanquis immediately to explain, and that I had the basic payment protection option and would like to activate a 6 month break. I was told that this was not going to happen as it wasn't me having the surgery and that it didn't effect me. How when the partners wage is the only income - no tax credits, nothing else. as a result I ended up behind with payments. Been trying to sort freezing interest etc out, but keep hitting a brick wall. Now they've sent it to Moorcroft, with loads of interest and fees on too. Since Moorcroft contacted me, Ive also had more statements off Vanquis too, so both are chasing, and Vanquis still adding more. Moorcroft have said they'll freeze my account for 30 days until I can get any information I need. can anyone give me advice please on steps. Do I go back straight to Vanquis, can I reclaim any charges or interest? I did ask them to cancel the repayment option when they told me it was useless in October, but they've left it running, costing an extra £50 a month. Thankyou in advance.
  20. hi all i am writting this on behalf of my wife, she had a large debt with marks & spencer credit card just over £9000, she defaulted on payments and the debt was sold on to Moorcroft who aranged a repayment plan with her of £5 per month, all has been well for two years and now they want her to complete an expenditure form, i emailed them back saying they have no legal right to demand this and will not submit the inforation requested. the online payment facility keeps taking her to the expenditure form page and wont take the payment, their is no CCJ on the account,where does she go from here ? thanks in advance
  21. Hi all - this is a split off from a more general thread where following your Cash Cow advice I have sent off many CCA's This is a RBS CC taken out in early 2005 - Balance around £700 Currently paying £1 to Moorcroft They acknowledge receipt of CCA but request "in line of their clients procedures" a hand signed request... they returned the old one for a signature.. The also ask the the PO gets made out to the client ( atm it just says xxx) On hold 30 days blah blah I gather this is all rubbish so what is my next move? Thanks again
  22. I have two cases with LTSB which are quite complex so please bear with me. Case 1: LTSB credit card debt pre 2007 - CCJ obtained by defaul at Northampton in 2011. I intially defended and it went to a full hearing which I couldn't attend due to family issues and my ental state at the time. They sent some big-time lawyer to the case which added £4K to the CCJ bringing it to near £19K with no interest payable. Got a variation order and have been paying £50 a month since 2012 without missing a month. Debt now approx £16.5K. I got a leteer last week from Lloyds saying they are passing the debt on to Moorcroft to collect. Why would they do that? It's not like I'm going to pay Moorcroft over a Court order? I'll obviously ignore Moorcrap, but am wondering what Lloyds are doing here? this CCJ dosen't show on ANY of my credit files or trustonline but does exist - I phoned the relevant court to see if there's been any movement on the CCJ and there hasn't. LTSB contacted me back in 2014 to tell me that their solicitor has been changed and that the court has been infomed. Well the court knew nothing about that when I phoned them a couple of weeks back so wonder if I can use that in some way? Case 2 Loan with LTSB - CCJ obtained 2011 - not defended as post 2007 - going through a bad time as above. Had the CCJ varied to pay £25 per month which I've paid without fail since. Got a letter from Asset Link in early July this year saying that they have bought the debt from Lloyds. In the same envelope was a letter from Lloyds saying the same thing. Contacted the court [Northampton] to see if there was any movement and they said no, everything was the same as 2011. Well, on a whim a couple of weeks ago, I phoned them back again and was told that the claimant was now Asset Link and had been since 2011 I was on the phone for over an hour with this guy telling me that I had obviously made a mistake and that LTSB were NEVER claimants. Finally he found a note on the file which was a bulk order from a judge changing the claimant from LTSB to Asset Link on a lot of accounts - not just mine. If I hadn't contacted the court, I would have known nothing about this - surely some CPR has been broken here? I have also contacted Asset Link asking for the original credit agreement from LTSB and the current statement of my account. They replied saying it would take them up to 30 days to get the info - it's been over 50 days now so it looks like they don't have it. Their solicitors have also contacted me telling me it's important to keep up my regular payments to the new claimant. I'm sorely tempted to just give up on these two debts. The total is just over £20K and even paying £75 a month as I have been, will take me over 20 years to pay. I'm self employed on low income, don't drive and have little in the way of assets for bailiffs to seize and I rent my home - so in all honesty, what have I got to lose? If you need any letters posted up, just let me know. Thanks for reading and I appreciate any help and advice you give.
  23. Four months after having sent Moorcroft a CCA request and having them acknowledge the request, they have today closed the account , sent me a cheque for £1 and returned the now disputed account back to Nationwide. I presume I now await Nationwide to either contact me directly or to assign or sell the debt to another DCA. I also refer to this line on the CCA request letter... " If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor" However this has come about after Moorcroft began playing Billy Suggers so I sent them a letter putting the account into dispute. Should Nationwide abide by this or have Moorcroft a right to wash their hands ? Also the dispute clearly states that the disputed debt cannot be collected, enforced or passed to any third party ? So if another DCA takes it over are Moorcroft and Nationwide breaking the law ? Please also note that no CCA has been produced.
  24. Hi Firstly, those in debt finding it hard to see light at the end of the tunnel, don't be disheartened, it can be done. After 8 years, I am within 9 months of being debt free. however, this hasn't been without issues and I could do with some advice on what should be my last issue.... Sorry for the length, just don't know best course of action... thanks in advance for any help I defaulted on an Egg credit card, they sold the debt to Arc Europe. Barclaycard bought Egg. Barclaycard transferred the debt to Moorcroft. I have consistently paid the agreed monthly amount. However, during the transfer from Arc to Moorcroft 3 payments went to Arc totalling c£250. In July 2016, Moorcroft sent me a letter stating an incorrect outstanding balance, incorrect by the same c£250 exactly. In November 2016, I wrote the following to Moorcroft (names & reference no's excluded, and amounts rounded to avoid identification).. In reply to your letter dated dd/07/2016 stating the balance was £x. I disagree with this balance, my balance is £y. This represents a difference of c£250, which equates to monthly payments of £z. My account transferred from ARC to Moorcroft in September 2011. At this time, my balance with ARC was £6k, before my September 2011 payment. This is confirmed in your letter dated dd/10/2011. I am not aware of missing any payments, can you provide a full breakdown of the account including any interest or charges applied please? Today, I believe the balance is £a. I will not pay any additional balance until I receive a full breakdown of the account including any interest or charges applied. Please do provide a full breakdown of the account including any interest or charges applied. Today, they have responded with (pleasantries have been excluded) Our client has advised that they have a balance of c£900 on their system. a letter is attached from our client as confirmation. The attached letter (on very poor Barclaycard letterhead and unprofessional format) says dd/12/2016 Dear Sir/Madam RE : My name - Account No. my account number Thanks for contacting us. Unfortunately, statements are no longer produced on the above account. I can confirm that the outstanding balance of the Account As of today is c£900. I trust this information is of assistance to you. Any queries, contact us, we are here to help. So in summary, I know why we disagree with the balance. Moorcroft won't acknowledge this. Moorcroft have created a fictitious letter from Barclaycard trying to pass it off as from Barclaycard. The debt is no longer on my credit file, it is clean. I suspect if I contact Barclaycard they won't recognise the account. All payments since Sept 11 have been paid to Moorcroft using their reference number, except the 3 made to ARC. what do I do? 1) stop payments immediately 2) report Moorcroft to FCA 3) subject access request to Moorcroft 4) send Moorcroft a firm letter as per - you are wrong. payments have been made to Moorcroft not Barclay - you are fraudulent. you should create fictitious letters using someone else letterhead. - offer 10% of the correct balance to go away? help please....
  25. Hi, I sent letters to Tesco Bank asking for debt validation, deed of assignment, proof of contract they have eventually after 4 months passed onto Moorcroft sent them letter 1 got this response? Questions I have is We received the instructions in good faith from the client/data controller - What document do they require to show the courts they are the data controller is this the deed of assignment? Original contract with our client? I thought it was an agreement? could I state i requested a contract not an agreement in court they failed to supply correct document? Protection from harassment act 1 (3) © what is this? Statements during the lifetime of the account? Does that qualify as a bill credits and debits and adjustments of account? Passing on account to other DCA's? If they do do they need to supply proof to the court they sold this debt on to someone else? Thanks.
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