Stubborn Debt recovery company

[Eddiec]

Hi all. I have just recieved a letter from Moorcroft Debt Recovery Ltd (Per-Court Division) acting on Powergen's behalf demanding a full payment of an outstanding amount.

 

I moved house in June. My final bill to Powergen was £216 and due to a problem with cash flow still owe £104.00. I have paid 2 of 4 installments by agreement. Problem is that both payments were about 10 days late due to my on-going cash flow crisis!! I am at pressent up to date with the payments.

 

Problem is that I recieved this telling me that if I hadn't got in touch with them by 26th Dec they will take further legal preceedings. I did get in touch with them today and told them that my account is up to date at this moment in time. They have insisted that if payment is not made in full in six days then court action will be taken and court costs will be incured. Ive told them that full payment by this time is not possible but I can only pay the agreed amount by the agreed time.

 

Because I have made efforts to pay this bill off (altough late) Can they inforce what they are saying? & what can I do?

Many thanks

[rory32]

Thread moved to Debt Collection Forum.

[rory32]

They have insisted that if payment is not made in full in six days then court action will be taken and court costs will be incured.

Standard rubbish from Moorcroft. Keep paying Powergen your instalments and ignore Moorcroft. You will find all their letters state MAY take legal action against you, all that has happened is Powergen have got a bit twitchy because you have been late with payments. All that has happened is that you have just received Moorcroft's standard threatomatic. Lastly NEVER phone these people or talk to them on the phone, it is a complete waste of time and their only interest is getting you to pay more than you can afford.

[Newborn]

Couldn't agree with Rory more!! Just make the payments and NOTHING will happen. Make sure you get a zero balance letter from them at the end though, and keep it forever. If they don't give you one keep badegering them until they do.

 

Newborn

[NailPost]

I don't know how you pay Powergen but I would make it clear to them with your next payment that you take a dim view (sorry couldn't resist!) of their debt collectors actions and you are considering making a complaint about their latest letter in which they make threats they have no intention of carrying out. remind Powergen that as the original creditor they are just as responsible for the action of their (debt collecting) agents and any complaint will include them as well.

 

As advised insist on a lwetter confirming the zero balance and if you continue to be harrassed by Moorcroft make a complaint to the Financial Services Ombudsman. If he thinks there's a case to answer and starts an investigation he'll slap Moorcroft with a bill for £400 just for turning up to have a look. One day they will learn to behave themselves!!

[ODC]

Complain to Powergen about the muppets at Moorcroft. Powergen are responsible for the actions of DCAs they employ. Bet your letter from Moorcroft was laughingly titled PRE COURT DIVISION. Reply by 26/12 even though they wouldnt be open. Standard Moorcroft nonsense

[zazen.warrior]

Unwanted Advice

[ThisVeryMoment]

Powergen will side with Moorcroft. It is only with them because this person did not pay his bill on time. 10 days is 10 days!

 

Complaining is a pointless waste of everybody's time.

[Eddiec]

Thanks folks Didnt really sleep lastnight because of this. I figured that if i kept payin (no matter if it was late or not) they couldn't do anything! You guys have made me feel tons better Cheers And a very happy new year to you all

P.S. And yes Rory32 It does say 'MAY'

[rory32]

Glad you're feeling better Eddie. Enjoy the new year and forget about these people.

[Eddiec]

Cheers Rory32

[mr.ton]

It always amuses me with Moorcroft that they have this "pre court division" stated on their letters

They have no such thing & just put it on there to make it look serious & daunting - the fools dont even know were the nearest court is

[PGH7447]

It was because Moorcrap sent me a letter with this stupid title that they are now down 2 payments a month on a couple of debts I had, I was happily paying them off at my own rate when these people sent me a letter stating I was in arrears over my monthly payment, (which I was not). So I promptly CCa'd them out of spite and guess what both are now in default.

 

Could not be more happy

 

Moral of the story for them if getting payment keep stupid letters to themselves

Moral of the stroy for Cagerrs, CCA the buggers.

 

PGH7447

[ODC]

It was because Moorcrap sent me a letter with this stupid title that they are now down 2 payments a month on a couple of debts I had, I was happily paying them off at my own rate when these people sent me a letter stating I was in arrears over my monthly payment, (which I was not). So I promptly CCa'd them out of spite and guess what both are now in default.

 

Could not be more happy

 

Moral of the story for them if getting payment keep stupid letters to themselves

Moral of the stroy for Cagerrs, CCA the buggers.

 

PGH7447

They will never learn.

 

Its amazing now that if you GOOGLE Moorcroft you come up with CAG. I think there is moral there somewhere.