Help Please Someone

[Denton243]

Hi im having some problems with Moorcroft,

 

I moved into supported accomodation 2 years ago on the 18th of dec 2005. I got a bt land line put in and got the internet, i became very depressed and stoped going out, i had to start claming income support and lost control of everything, my rent started getting out of control, i wouldnt leave the house to pay it and i couldnt pay my bt bill. i was cut off by bt. the bill was £380 and moorcroft bumped up to £595

 

It was passed over to Moorcroft to get the money. i started getting letters from moorcroft dec last year and i just ignored them for about 4 months, i hated each morning looking to see if the post had been and if i had any rude nasty letters from them.

 

i called them once and the person was very rude and put the phone down on me, i got very upset and worryed. then i just left it about a month and more and more nasty letters was coming through the post. i thought to myself i have to do somthing about this so i called them agen and said i can only afford £10 a month as im only living on £44 a week. they said no and bumped it up to £20 a month. so since april i have been paying them there £20 a month going 4-5 days with out money or food to live on.

 

3 weeks ago i coouldnt pay it becasue i had to add extra money to my rent account because they started getting nasty so yes i got another letter from moorcroft saying pay up or bailiffs will be knocking at my door.

 

I ignored the letter and havent had one to date, but the thing im worryed about is, i rent a room in a flat, i live with somone else who has nothing to do with me. i have no belongings as i was homeless before i moved into the flat, the only things that are in there are the white goods and the sofa in the communal areas witch is not mine. if they come round and want to take the things out the flat what am i going to do? they dont belong to me. im worryed about them forceing there way in and forceing there way into my flatmates room.

 

I dont want to call them because i will jsut get a nasty person on the phone and they never reply to my letters.

 

i just want this nightmare to stop as i have so much going on at the moment. its making me feel the lowest i have ever felt, i even cryed writeing this, i hope somone out there could give me some advice or somthing i just dont know what to do.

[Boro]

Before they are able to send bailiffs arround they would need to get a ccj against you through the courts, even if they do obtain a ccj you dont have to let a bailiff in and should not as once they have come in peacefully they can force entry at a later date, work out what you can actualy afford to pay them and stick to it, its taking the pi55 expecting £20 a month when you are only on £44 a week benefits, depends on how quick you wish to clear it but i would be looking to pay £5 a month, if it did go to court you would be able to offer them a repayment plan and i very much doubt the court would have you pay more than this based on your circumstances

[demon_x_slash]

If you wanted to reduce your payment, try this letter, or the one above it:

 

Token/Delayed payment

Pro rata payments

 

You don't have to provide them with an income/expenditure sheet, but it does show willing. If they refuse and take you to court to obtain a CCJ, with your stated income the repayments will most liekly be smaller than you're paying at the moment.

 

Remember, Moorcroft in this instance are acting as debt collectors, not bailiffs - debt collectors have no right of entry to your home. Neither can they remove goods - it is simply not within their power. They must take you to court and win first before any bailiffs get involved. Have a read around the debt section on this forum for what you can expect from Moorcroft.