Jump to content


How do you find out what is still owed through a DCA, or whether they are adding charges unknown to you?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5735 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

The onus is naturally on me to track the amount I have paid thus far, but I am curious to see if Moorcroft are adding any cheeky charges to the ££ I pay them every month in relation to a Halifax CC they are collecting on... can you request a 'statement of account' or the like?

 

If it's not very much, I may like to be proactive and make them an offer in compromise, but I get the feeling Moorcroft can be pretty sneaky based on some posts around here, and I have been paying about £40 a month for a while towards a debt of only £1,800.00 +/- . Do they automatically send you a request to review your situation after 6 months? It's been about that but I will check my records tonight.

 

Thanks :)

Link to post
Share on other sites

The best way i believe would be to put a request using the SAR. This costs £10 but will get you a copy of everything

Have you sent them a CCA?

 

read up on CCA's and SAR requests.

 

You can find the CCA letter HERE - Letter N

And the SAR letter HERE

 

Do not sign the letters just type

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

Link to post
Share on other sites

Thank you JesteruK :cool:

 

I have sent them nothing yet, not even a CCA - guess it's a case of "hoping they will just go away" but every bank statement reminds me they are still there! Since joining this site I have a much better idea of what my rights are and how to protect them.

Link to post
Share on other sites

Moorcrap can be buggers at times but in my dealings with them ive always managed to get the debt passed back to the OC, They rarely have the correct paperwork.

Are you or have you reclaimed the charges on the credit card? if not do so. As soon as you do the account will gain the staus "In Dispute" and then moorcrap can whistle all they like. - justa thought

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...