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Copy of credit agreement - Moorcroft


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Hi Guys

 

First post here!

 

Been chased and paying Moorcroft for an outstanding Egg car. As thinking /started IVA process i wrote to all my creditors with £1 asking for copy of original credit agreement.

 

Moorcroft cashed my £1 cheque and have written saying that they are no longer dealing. When I rang them they said that they have passed back to Egg.

 

What do I do now - they have cashed my cheque and not provided a copy of my CCA/ Do I send a letter and £1 to Egg? What happens to all the money I have been paying Moorcroft?

 

Any help gratefully received.

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I agree with sequenci, send the CCA request to Egg now. They're the Original Creditor and will be absolutely bound by Statute to comply, not that Moorcroft weren't of course.

 

It's very annoying, because Moorcroft were legally obligated by Section 175 of the Consumer Credit Act 1974 to pass on your request to Egg;

S.175. Where under this Act a person is deemed to receive a notice or payment as agent of the creditor or owner under a regulated agreement, he shall be deemed to be under a contractual duty to the creditor or owner to transmit the notice, or remit the payment, to him forthwith.
And in reality they've taken the payment, decided they no longer want to play with you because there's no commission for them, returned the account back to Egg and kept your money for themselves! That's about the top and bottom of it isn't it?

 

Even though this is just about a quid... The bottom line is about one of two things...

  • 1. You've got Moorcroft off your back for the measly sum of a quid, you're happy!
  • 2. Moorcroft have taken your money, not complied with a legal request, returned the account to the OC without complying with the law, and kept your money!!!

If No1 applies, you're happy, end of story thus far!!

If No2 applies, you're not happy, and you want your money back!

 

My own personal view of this is actually No1 ! Because, as strange as it sounds, for the measley sum of 1 English (or Scottish) Pound I now have a letter that I can file/keep/copy that says we cannot comply. This letter I can use to send to any future Debt Collection Agencies when they rear their ugly heads!! :D

 

The method of my madness revealed! :rolleyes:

 

Should for some reason you choose option 2, you could of course write back to Moorcroft asking for your quid back and report them to Trading Standards for not returning your payment.

 

I hope some of that has made sense...?!?!! :D

 

Good luck and best wishes. Regards, Dave.

  • Haha 1

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

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http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

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Welcome to the forum by the way!

 

OOOOOPS! Please pardon my manners! :rolleyes:

 

Welcome to the Consumer Action Group...! :D I'm so sorry I missed that!

 

Best, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

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Your standards are slipping Dave.:D keep up the good work.

 

LOL!!! & Ditto BmV ! :cool:

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

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Thread moved to DCA forum.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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