Abbey bank now Moorcroft for charges

[gingermack]

HI,

 

Following some bank charges I ended up with an overdraft for £1100 following these unlawful charges which I started the process to claim back. But Abbey have now passed the debt to Moorcroft who are demanding payment.

Does anyone have a letter that I could send them to stop this or at least pause it until the court case is decided?

 

Any help would be much appreciated.

 

xxxxx

[maroondevo52]

Hi, gingermack.

 

How far did you take your claim, if not as far as filing at court, you should.

 

There is a short letter somewhere, I'll try to find it.

 

Regards.

 

Scott.

[gingermack]

Hi!

 

Thanks for the reply - no I just sent the letters off as I didnt know how far I could go with the court case still going on.

 

If you could find me a letter I would really appreciate it!

 

Thanks again

[maroondevo52]

Hi,

 

Continue with your claim, take it all the way to court.

 

There's a letter here, not sure it'll do much good............

 

ACCOUNT IN DISPUTE

 

Dear Sir/Madam,

 

Your ref:

 

 

Thank you for your letter of **DATE**, the contents of which are noted.

 

 

I am disputing the total value of these debts with **BANK** due to unlawful and unreasonable charges. As such, therefore, I consider this account to be in dispute and no further action or payment shall be made until this matter is resolved.

As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."

 

This process may take some time, due to the Office of Fair Trading's test case, but I will try to expedite this issue as a matter of urgency.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the Protection from Harassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

 

 

Regards.

 

Scott.

[gingermack]

That's great thanks very much for your help. Do you think that Moorcroft will still continue with any legal action if I send them this.

 

They want almost £250 per month to clear the o/d which I cant really afford. i dont see why I have to pay so much when it is made up of charges from the bank.

[maroondevo52]

Do you think that Moorcroft will still continue with any legal action if I send them this.

 

I honestly don't know

 

But get your claim on track, asap

 

Regards.

 

Scott.