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    • Vodafone have reported that they are having issues with their Credit File APIs into the Credit Reference Agencies where aged accounts over 6 years are being readded to Credit Files. In some instances, people are having defaults rescinded and changed to late payment status making the account live again!    --- Have you been affected? Please keep an eye out on your credit file for any  new Vodafone Account appearing where there shouldnt be any reason. If you are a Vodafone Customer - Check that the information is correct. check for Late Payments and Defaults.    Don't forget to consider the financial impacts this could have on you.  ---   If you are struggling - Post below and we can guide you to get the result you need!    Its been reported that Experian and TransUnion seem to be where these appear.  They are able to remove the information relatively quickly and it will reflect on next Credit File Refresh.         
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Moorcroft & Citicard credit card debt


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Good morning All,

 

I've received a notice of Intended litigation from Moorcroft for a debt of £7700.

 

If I have read the threads on the forum correctly, I should be sending off for a CCA to Moorcroft.

 

What should I do after this and if anyone can explain what will possibly happen?

 

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You can use letter N in the Templates Library here. Should fulfil your purpose.

 

Note that Moorcroft are not in default unless and until they either fail to produce your agreement within the 12 days as specified in law (plus a day at each end for posting) or the agreement is not compliant. When (if) you get your agreement then we can look at to see if it is compliant.

  • Haha 1

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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these idiots would have wished they had never messed me, mrs dyde and aj martin and all there rude fone workers

 

chased me for months with begging letters, phone calls, even some very old geezer at the door telling me ill go to prison, telling me he was only doing a job to top up his pension and there was no need to be so rude to him.

 

One simple CCA and they closed file and sent back to the Halifax, why moorcroft, you were really were such a pushover.

 

Mess around with them to start with then send a CCA, do what I did send a big brown envelope and write payment enclosed stuffed full old newspapers.

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All their silly letters contain the word "litigation", i bet it was headed "pre-court division", as they all appear to. I wonder if they even know the meaning of the word litigation, as they never answer your letters, prefering to merely fire off another of their template letters containing the usual nonsense:D

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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  • 1 month later...

Hi All,

 

Just to update this thread.

 

As you've probably guessed they're looking to get a copy of the CCA ( this was 3 weeks ago).

 

 

The letter goes on blah, blah, blah and then says

 

"In the meantime however we believe that it may be of assistance to all parties if we also take this opprtunity to ensure that any potential areas of dispute are addressed prior to any possible court action or further investigation. Please could you give an indication of the information you will be providing, when giving evidence to the court or providing information to the relevant statutory authorities in relation to the alledged subject matter of the account."

 

 

WTF - They want me to do their job for them..........not likely !

Edited by supasnooper
damn lappy touchpad.

 

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I enjoy getting letters form Moorcroft as they just dont have a clue

 

They are chasing me for a debt that does not have a CCA, but there is no need for me to tell them that, lol

 

They will soon go away

It's all fun and games until someone loses an eye :D

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I'm just waiting for them to phone me................but hey, they haven't !

 

Been really inspired by Fuzzybobble to give them a hard time.

 

They tried to phone me at work once and all I kept repeating was "I can not answer anything over the phone, everything must be done in writing"

 

After about the 20th time of saying it, they decided it was better to write to me :grin:

It's all fun and games until someone loses an eye :D

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only 20 time manc

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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only 20 time manc

 

I was lucky I guess

 

I had it written down so that I didnt get confused

 

The funniest part was when they said that they HAD written to me but i hadn't responded, so i just said the line again!!

It's all fun and games until someone loses an eye :D

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they dont like it when u dont provide a phone number either

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Please could you give an indication of the information you will be providing, when giving evidence to the court or providing information to the relevant statutory authorities in relation to the alledged subject matter of the account."

 

 

 

Tell them you dont have time for such trivialities as attending County Court as you are too busy but the QC you have instructed will be enquiring why they have your personal data without prior written authority and why they have ignored your Rights under the CCA.;)

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I think the spotty youth who is the Moorcr*p pre-litigation department has been watching too many police dramas. Cops have to give people warnings about not mentioning-what-they-later-rely-on-in-court etc but in this case it is abolute and utter ballcocks. I wonder what a judge would say if they actually carried out their threat and issued a claim.

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Your fired

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi again,

 

Had to go for my dinner otherwise wouldn't be allowed out to play again :)

 

 

Love the replies and might just follow The Chancellors advice when I get a few minutes at work. ;)

 

I can't believe how quiet the phone has been since I CCA'd the DCA's........ even the neighbours commented how popular I was between 8 a.m. and 10.00 p.m.

 

Never mind; I'll just have to make do with a day in court with Restons :D

 

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I can't believe how quiet the phone has been since I CCA'd the DCA's........ even the neighbours commented how popular I was between 8 a.m. and 10.00 p.m.

 

 

Same here.

 

Have started to set the alarm again for morning.:p

 

Keep picking up the phone to check we haven't been disconnected again:rolleyes:

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