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    • No it says the search was carried out on the 9th July.  Says it was a hard search that can impact your credit score and can be seen by other lenders.    
    • Package holiday firms should promptly issue refunds to customers whose holidays have been cancelled, even in spite of the “extraordinary pressures” they are facing during the coronavirus pandemic, the Competition and Markets Authority (CMA) warned on Friday.   The regulator noted that consumers have a statutory right to a full cash refund within 14 days of the termination of their package holiday, even if the reasons for the cancellation are “unavoidable and extraordinary.”   “We expect businesses to comply with these requirements where package holiday contracts are terminated due to the COVID-19 pandemic,” said Cecilia Parker Aranha of the CMA in an open letter to package travel sector.   “We are aware that many consumers have been promised full cash refunds, but these have yet to be paid,” she said.   https://uk.yahoo.com/finance/news/coronavirus-competition-and-markets-authority-package-holiday-refunds-100214568.html
    • that is not acknowledgement.   so what if moorcroft did a search. no-one bar you and they can see it anyway i bet the search was from before the time you updated the address too.   simply a trace to find your correct address to try and mug you blind   send the sb letter as advised.   dx    
    • All I put in letter was   Account Number   please be advised of my new address    my name or husband’s    no signature    I must admit apart from 2 of them writing back to acknowledge.  One of then NatWest I’ve heard from no one else.   Natwest did email to a old email address that we have access to but never use asking for us to reply confirming our address but we never replied.   Im just unsure why Moorcroft have done a credit search yesterday. 
    • you never ever ring a DCA nor email anyway no matter what you might think is a good reason   if the debt is SB'd then send cabot our SB letter from the debt collection section of our library.   dx       so you didnt follow the advice on your other thread from earlier this tear?  
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Black Horse/DLC

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Hi All,


Hoping for a bit of advice. I had a 2 loans with Blach Horse, one retail and one personal. I got into a bit of money bother a while back and missed a few payments. The account was then passed to DLC for collection.

DLC have phoned 3 or 4 times a day constantly leaving messages for me to contact them.

In the mean time I have contacted Black Horse and made arrangements to pay them direct. I spoke to DLC on Thurs to notify them this, to which I had a long argument with the operator, and then all of a sudden I received Notice of Court proceedings from DLC for non paymeny. Surely if Black Horse are happy for me to pay them I do not need to go through DLC.

Nationwide - S.A.R sent 3/1/07

Statements receieved 01/02/07

Pre Lim sent 10/02/07

LBA sent 25/02/07

MCOL Submitted 14/05/2007

Case Closed - Won from NW 14/06/2007



Lloyds TSB -

Prelim sent 30/04/07

LBA Sent 15/05/07


OHs Lloyds TSB

Pre Lim Sent 30/04/07

LBA Sent 15/05/07


T-Mobile - Prelim sent 8/1/07 **WON** 18/1/07



Capital One - Prelim sent 10/01/07

Offer letter receieved 29/01/07

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The DCAs specialise in scaring people into making payments, letters using words like Litigation, court action and so on are designed for the aforementioned purpose.


Given that you have come to terms with the Original Creditor, you are correct that the DCA should leave you be.


If you have written acceptance of your repayment arrangement from the bank, the DCA won't be happy as chances are they were collecting on a commission basis. they should be told to sod off, but not by you, this is something you would need the bank to do,


Complain to the bank about the continued collection activities of DLC, make sure that your complaint and any subsequent communications are in writing, speak to no-one on the phone as these conversations cannot be reproduced in court

Hope this helps



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Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves


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