Moorcrft Stupidity

[PGH7447]

Hi All,

 

I am currently dealing with Moorcr:o ft over an alledged debt on an HBOS/Sainsbury's Credit Card, while I do not dispute the debt and I am willing to pay towards it, I therefore offered to pay £20 a month towards this debt and forego the usual request for a CCA from this ridiculas company.

 

Accordingly I made the offer and send an intial payment along with a letter expressing my desire to pay this amount monthly by DD.

 

They responded by sending me a paying in book and saying they accepted my offer of £50 a month:-x

 

I ignored this and next month sent a second cheque for £20 as per my original offer.

 

They then asked me to send proof of income and expenditure, - No way they can whistle for this.

 

I then recieved a letter yesterday from some other lunatic department with RED lettering all over it saying it was from the Pre Courts division, telling me I am in default by £10 because I only sent £20 - "so they cant count either "

 

Question is, can I now CCA them even though I had originally offered to pay £20 a month, "that they seem incapable of understanding " or do I just ignore the second letter from the Pre Courts Department LOL.

 

Thanks in advance for any advice.

 

PGH7447

[tertiary alcohol]

i would go down the CCa route what year was the "alleged" agreement ?

 

the chairman of sainsburies said on a recent radio programme that he takes pride in answering each complaint personally ... take him at his word !!

[PriorityOne]

You can CCA, yes. No worries....

 

Most of their letterheads have pre-court division on them and are either from A J Martin or one of his side-kicks; K Dyde, so no worries there either.

 

If you are happy paying, then just ignore it. Personally, I would CCA though (rec. delivery).

 

[PGH7447]

Thank You Priority1

 

That's what I thought, but just wanted to check, I will get it off today and wish them a Very Merry Christmas and an UnProsperous New year

 

PGH7447

[PGH7447]

Hi all just an Update on this, I sent a CCA Request to MoorCrap on the 31 Dec to which they replied we are looking for it, no further correspondence from these muppets, So well defaulted on, then today I received another demand for the same alledged debt from another I assume DCA "Eqidebt Ltd" giving me until the 24 March to Pay.

 

Now I understand that MoorCrap cant pass this on when in dispute, so what do I send Equidebt please, is it the letter stating that this is in default and I am suprised you have it?

 

Cheers in advance

 

PGH7447

[PGH7447]

Going to send this is, this the correct letter?

Equidebt Ltd

Equity House

Ettingdon Rd

Wellesbourne

Warwickshire

CV35 9GA

ACCOUNT IN DISPUTE

 

Your Reference:

Client reference:

 

Dear Sir or Madam,

 

I must admit that I am rather bemused as to why this account has been passed to you, as it is in dispute with Moorcroft and has been since 11 February 2008

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

As Moorcroft is now in default of my Consumer Credit Act request, Office of Fair Trading Collection Guidelines and s10 Data Protection Act request, I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to Moorcroft for resolution of these defaults and breaches, as Equidebt Ltd cannot lawfully pursue any enforcement activities.

 

If Equidebt Ltd chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

 

Yours faithfully,

PGH7447

 

 

[honey5]

thats the same one ive just had to send the loons too

honey x

[Curlyben]

Yep that's the one.

I see The Library strikes again

[PGH7447]

Cheers Honey5, they gave me a whole 5 days over easter to respond so just emailed them the above letter, and told them I will send a hardcopy by recorded delivery.

 

PGH7447

[PGH7447]

Hi CB, I thought it was one of yours.

 

PGH7447

[babybear39]

Subscribing...

[Curlyben]

Hi CB, I thought it was one of yours.

 

PGH7447

 

Tis indeed.

Glad they are useful.

[mr.ton]

A J Martin or one of his side-kicks; K Dyde, so no worries there either.

 

I used to get letters from Moorcroft about 10 years ago & that persons name was on their letters even back then.

Moorcroft just wouldnt be Moorcroft without A J Martin

[PGH7447]

Yep the guy on the pre courts letter was a Mr AJ Martin

[gymfreak1978]

my guess is Mr Martin doesnt exist, AJ is the last two letters of there postcode

 

just a thought

[PGH7447]

Received reply from Equidebt stating account now on hold while they contact the OC, I wonder if they will have better luck than Moorcroft.

 

Tempted to try and arrange payment plan with equidebt, because as I stated in first post I do recognise the debt, just that Moorcroft would not play ball, while the letter from Equidebt was actually very polite. also I will then be able to SAR the OC and reclaim any charges applied to account.

 

Any thoughts on this most welcome

 

Regards

 

PGH7447

[babybear39]

Them being nice is to lull you into a false sense of security, DO NOT be fooled. Wait to see what, if anything, they come up with

[PGH7447]

and theres me thinking some DCA's had hearts, LOL

[babybear39]

Ahem...No coment or I'll get cagbotted

[PGH7447]

I got a smacked wrist yesterday for saying "Illegal" instead of "Unlawful" charges

 

ah well!! to me they are Un;legal or is that Il;lawful

[babybear39]

'Charges' is a nawty word

[PGH7447]

Received letter today from Moorcroft, saying they are no longer dealing with this has they are unable to provide a copy of the signed Credit Agreement as they are no longer dealing with the account!! :grin:

 

So they passed it to Equidebt as stated in an earlier post.

 

So will wait for the next phase with Equidebt to try and find one.

 

Score so far with this company regarding CCA's

 

PGH7447 - 2

Moorcrap - 0

[citizenB]

If Moorcroft didnt have it, would Sainsbury do you think ?.

[fuzzybobble]

Great result.

I love it everytime I read about a DCA closing their files.

Looking forward to when we start hearing about them

being shut down and their office doors being welded shut too.

 

I only seem to get Cagbotted when I start off topic threads

that peeps enjoy reading anyway.

Only happened twice so far, and one was a genuine mistake

as I typed stuff in the wrong window after a "small" glass of wine.

[PGH7447]

Quick update

 

Received a letter from Equidebt today stating that the OC have no record of a dispute with either their Customer relations dept or Moorcroft - No CCA provided springs to mind - so can I provide proof of the dispute

 

Will send them

 

initial CCA Request dated 31 dec 07;

Moorcrofts Acknowledgment dated 10 Jan 08;

Equidebts initial contact letter dated 14 Mar 08;

Moorcorfts failure letter dated 26 Mar 08.

 

Is there anything else I should send?

 

Cheers

 

PGH7447