Link and old Lloyds Credit Card

[The GodMother]

oh yes they have to pay to send u them aswell.

[odds]

I don't have that many friends

 

I might send it again just so that they are 100% clear of the situation.

 

The signature, I don't care about. Just those few lines confirming delivery would have been nice.

[angel_1]

hiya all

 

subbing if i may please to learn something from you all

 

laters angel x

[odds]

Hi once again,

 

Sorry to drag up an old thread,

but after paying £1 as agreed back in 2008 or 09 and never missing a payment,

 

I have today received correspondence from a Director no less by the name of Jaime Graham.

No contact address is included in the letter of said person either so I can't send any correspondence directly to him.

 

During this period my circumstances haven't changed, and the only correspondence I have had is a few (less than 1 a year) letters asking to review my payments, which I just ignored and continued paying.

 

The letter informs me that to service my account in the manner most appropriate to my situation, they have transferred my Lloyds Bank PLC debt to a debt collection agency.

 

They have instructed Moorcroft Group PLC to contact me in the next few days, to enable me to make payments to them.

They have even included contact details for Moorcroft, just incase I wish to contact them directly

Just a couple of questions:

 

Is it safe to completely ignore Moorcroft, according to other threads this is the advice given.

 

What justification do Lloyds have giving my personal data out to DCAs,

when I have kept to my side of the deal and infact it is them who have yet to locate my CCA as requested back in 2009.

 

Are Lloyds likely to sell this debt to Moorcroft.

 

Finally, why are Lloyds using DCAs to do their work for them.

 

Thanks.

Lloyds re Moorcroft.pdf

[maroondevo52]

Hi,

 

I have moved this thread to the debt collectors forum.

[odds]

Hi,

With all due respect but, it is actually Lloyds that I would need to deal with, not the DCA.

 

They have never produced a CCA and even admitted that it would be difficult to get a copy.

 

However if you think think it is better in this forum to get better advice then I am thankful for your input.

 

Thanks

Edited December 19, 2021 by dx100uk
unnecessary previous post quote removed

[dx100uk]

moved it back

 

Lloyds have farmed out loads of old debt recently going by numerous thread here this week

 

as Moorcroft is NOT a debt buyer

so do not own the debt

you are safe to totally ignore them.

 

I question your logic in continuing to pay anything [back to day one]

on a debt they cannot enforce.

 

all it does is stop the debt from becoming SB'd

 

dx

[lookinforinfo]

Lloyds would have taken you to court by now if they had any documentary proof of your debt.

 

Not sure why you have continued to pay even a token amount but as Moorcroft are now involved this might be a good time to cancel the payment.

 

When you get your love letter from Moorcroft with a request for payment, point out that lloyds had no business passing on your account as they have failed to provide a satisfactory

response to your CCA request years ago.

 

PS Sorry DX our posts written almost at the same time.

Edited December 19, 2021 by dx100uk
added A few blank lines only..dx

[dx100uk]

sadly doesnt mean they cant process your data

 

 

dx

[odds]

Thanks for the replies,

 

dx

do you mean Lloyds CAN pass my data around willy nilly even when an account is in dispute.

 

Point taken about the token payment lookinforinfo,

I continued as it kept them quiet.

However, as they have now involved someone else I think it is time to stop and see what develops.

 

I shall now wait and see what Moorcroft have to say for themselves.

 

Thanks.

[dx100uk]

yes sadly they can

the ole days of waving around the section 10 stuff has moved forward.

 

 

dx

[odds]

Just a quick update to the situation with Lloyds and Moorcroft.

 

My missus decided that she would prefer to continue with the £1 payment for now, obviously direct to Lloyds.

 

 

However, when she called into the local branch to pay it this morning she was told that the account is no longer on the system, therefore payment couldn't be made to them apparently.

 

Interestingly I also have a loan account which also defaulted at the same time, yet I've heard nothing about this.

 

Any advice.

 

Thanks.

[Guest]

has it been formally sold on? if so, you shld get a notice of sale assignment.

[odds]

No, it's just another account that Lloyds have passed to Moorcroft so that they can "administer" it in a manner most appropriate to my situation.

 

I have the account and reference numbers written down and usually just fill in a payment slip, according to the girl in the bank those numbers no longer showed up on the system.

 

I think she must be wrong, because the Account Number would surely still exist.

 

Thanks.

Edited December 19, 2021 by dx100uk
unnecessary previous post quote removed

[Guest]

maybe they've just now sold it on?

or changed the number, see what number is on the stuff from moorcroft

[odds]

I copied the account and reference numbers from an old payment book before it ran out years ago and have just been using them to pay over the counter at the local branch.

 

It's the same account number as it always has been, but a different reference number on the Moorcroft stuff, obviously one they use when liaising with Lloyds concerning the account status.

 

It has definitely not been sold on.

 

Thanks.

Edited December 19, 2021 by dx100uk
unnecessary previous post quote removed

[midastouch154]

If I were you I would just stop paying and ignore Moorcrap. Lloyds would have taken you to court long before now and Moorcrap can do nothing. They'll eventually return the debt to Lloyds who will probably pass it on to another blood sucker.

[Guest]

yeah, lesscroft will have their own ref number.

 

i was thinking sometimes when Lloyds put an a/c into collection/default they put it into a 'router account' which may have a different number. has it been defaulted.

 

but, yeah try ignore mcrap as they dont own it. cld ask the branch what account numbers show up in yr name?

[Bazooka Boo]

If the bank is claiming the account doesn't exist, then hold on to your money, OR, simply put a £1 a month into a savings account and wait for royds to come out the woodwork demanding to know why they've not been paid.

[odds]

It would appear that is my only option now, however seeing as these payments are only made as a goodwill gesture due to them failing to comply with a CCA request some years ago I'm not unduly concerned.

 

You are correct about the collection/default account, as it was this account I was paying to their inhouse collections department.

 

I have absolutely NO intention of contacting let alone paying anything to Moorcroft.

 

I'm not going to waste anymore time chasing it now, they made the changes which has caused the problems.

[Bazooka Boo]

If they failed to supply the CCA, then STOP paying,

 

There is nothing further to add or do, they know the rules, Put that money to better use.

[odds]

Hi,

 

Here is the latest communication from Moorcroft, just wondering if everyone was getting the same ones in the same order. This is number 4.

Heading in big bold capital letters "MONTHLY INSTALMENT OFFER", yes, that is how they have spelled it

 

Apparently they are concerned that because they have failed to hear from me that I may not be in a position to meet their previous requests to clear the account in full, and they are prepared to accept a sensible monthly repayment plan which reflects my financial circumstances and is one that I can afford to maintain.

 

Firstly, they have never asked for the account to be settled in full, they have always suggested that what I used to pay would be fine. However, as advised previously, I have now worked out a monthly payment plan of £0. I think I can maintain that quite well.

 

Then they say that if I do not contact them within 7 days it MAY leave them no option but to recommence collection activity.

 

Isn't that what they are actually doing now ?

 

Lastly, any payments should be made payable to Moorcroft Debt Recovery Ltd.

 

I don't think so, it's a Lloyds account.

Thanks.

 

PS. I don't know why Lowells has been added to the thread title so could a moderator remove it please as they have never had anything to do with it.

Moorcroft_4_Edited.pdf

[dx100uk]

dunno must of had brain fade removed.

 

 

if they are offering a discount

time to SAR LLoyds

get all the statements

and get reclaiming unlawful penalties and PPI

as I bet they are the reason for it

and

they'll be double to reclaim over their discount

something smells

but as moorcraft never by debts

you ignore them and deal only with their stated client.

 

 

dx

[odds]

They aren't offering a discount, and the smell will be the lack of response to a CCA request made to Lloyds some years ago

[Bazooka Boo]

Ignore them then.

 

Moorcr@p are a joke TBH.

 

Ensure you Don't ignore that letter!