Doorstep Harresment from moorcroft over Kays debt

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Due to ill health chronic arthritus I am not able to work anymore.

 

I have decided to get the help with my finances from CCCS

 

And having drawn up a budget I contacted all my creditors

 

enclosing a staement of my finances and list of my creditors,

 

And offered all my creditors a token monthly payment,

 

As advised by CCCS, to date i have had one acceptance of my token payment,

And endless hassle from my other creditors who Have clearly Ignored my letters From CCCS,

 

I had another phone call from Moorcroft debt recovery today

They said I had now defaulted on my agreement of which they asked for £20 a month

and that they were going to send an agent to my home and collect all the outstanding owing around £1000

i told them i could not pay this I am currently getting incapacity benefit and dont have any savings.

 

The gentleman on the phone if you could call him a gentleman,

Was not understanding at all and he said the agent would be calling for the full amount,

 

 

My question is can an agent from a debt company legally

take money or goods from my home,As the debt in question has not got as far as the courts.

Thanks for any help.

[Having_A_Knightmare]

Hi

 

welcome to CAG.

 

Never speak to these jokers on the phone always do every thing by letter.

 

How old is the debt

[Having_A_Knightmare]

My question is can an agent from a debt company legally

take money or goods from my home

 

No nothing. If they come on your property you can throw them off or call the Police to get them removed..

 

HAK

[microbar]

Hi

 

welcome to CAG.

 

Never speak to these jokers on the phone always do every thing by letter.

 

How old is the debt

 

The debt is about 1 year old i have had to stop work due to my ilness.

[Having_A_Knightmare]

Hi

 

What was the debt for and who ws the lender

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The debt was for goods from kays catalogue,

[Having_A_Knightmare]

As its Kays it is worth doing a CCA request to prove that morcrap are entitled to collect the debt.

 

send letter N from

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

with a £1 postal order and recorded delievery ASAP.

 

Do not sign the letter use a digital signature.

 

Repost after 12 working days with an update.

 

Click here for great help:razz:

http://www.consumeractiongroup.c o....hat-youre.html

 

http://www.consumeractiongroup.c o....i-dummies.html

 

If I have helped please give the scales a press.

[microbar]

Thanks for the replys Having_A_Knightmare.

Will try the cca request,

Just going to show my benefit entitlement, and postal order receipts,

if anyone comes from moorcroft,

my wife is very upset at the thought of

people coming from debt collecttion agencies

I just wish one of my creditors would take me to court I would then

request an administration order and stop all the harresment,

thanks again.

[Having_A_Knightmare]

Dont worry Microbar altho the account is quite new kays havenot got a good record with credit agreements

 

HAK

[Tawnyowl]

I am with cccs as well.Due to level of income etc i to am only able to offer token payments.The one that went to court so far trying to get more still only ended up with token payment. Although i ended up with a ccj- i applied for a variation order and the judge granted it.1.00 A MONTH.

This was after help and advice from people on this site.Keep asking if you are not sure of anything.Dont worry you are amongst friends.