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    • Moorcroft are just a first DCA that Natwest use, after Natwest have stopped chasing it.   The debt is still owned by Natwest and is currently sat with Moorcroft, but in a pile with many thousands of others.   If your new postal address is showing on your credit file, Moorcroft would have sent letters if they thought this was a priority debt to chase.     
    • We signed up to a credit reference agency.  Got an email this morning saying a search had been carried out in my husband’s name.  It’s by Moorcroft who are doing it on behalf of NatWest. Do we worry?  It’s been over 6 years since last payment and we wrote to NatWest in January advising of our new address.  They and Moorcroft both emailed an old email address which we have access to but never use asking us to confirm our address.  We didn’t respond to it.
    • Hi   I am sorry to hear of your recent loss   The Club I assume you joined would more than likely have had Terms & Conditions, Data Protection, Privacy Policy and did you sign any Agreement to join that CLub?   On Facebook did they actually Name (use your name) on the posts or did they use mum/mother etc?   As has been asked could you give us some background for your reason to send the SAR. If they have refused to give you certain Personal Data under your SAR request then I would suggest writing to them and refering to your SAR Request and their refusal to provide XYZ you requested and that you require clarification as to why this was refused and under exactly which Article of the General Data Protection Regulations (GDOR) they are relying on for this refusal.   The Clubs Constitution is only how the Club is setup you need to ask them for copies of the following:   Data Protection Policy   Privacy Policy (note the above policies may be on that Clubs website if they have one)   This link breaksdowns the General Data Protection Regulations (GDPR): https://www.privacy-regulation.eu/en/index.htm      
    • who assured you you'd get notification of no int time limit ending? thats not a normal MO of these BNPL agreements they are not onliged to warn you?   when did you rake this out and when did you try to pay the Org Sum?      
    • well thats why they got you on this vanquis debt they mugged you on the otherone and saw you were an easy touch and a cash cow.   send vanquis an sar  get all the statements.   to be honest it quite shocks me you've here since 2007 and are talking on phone to a dca?   dx  
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lunar jim

Today's letter from Robbers Way: need some advice!

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Received a response from RW today; pretty quick for them...

 

'With reference to your recent letter, the copy agreement we have sent you is sufficient to your request. If you have no other queries with your account we ask you to forward a proposal for payment to us as soon as possible.'

 

The paperwork I have from them is basically an application form from 2002, which states 'this is a credit agreement' blah blah but none of the prescribed terms, and a copy of terms and conditions which do contain the prescribed terms but is dated 2004, so clearly cannot be part of the original document...

 

Can someone please suggest how to respond?

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I would just ignore them unless they start making "threats"......


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Yeah yeah that might make sense, I don't want to get into letter ping pong at £1.14 a time.

 

Actually, I might send one more letter pointing out the error of their ways, plus a 'communicate only in writing' letter, I could do without starting to get a load of phone calls from them...

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It's up to you really, but they really are not worth the cost of a stamp......send the "in writing" letter IF they bug you......let it lie for now ;)


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Ah hang on... Looking back through my RW file I sent them an 'in writing' letter a while ago. I'll just let it lie for now as you say :D

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And if they do ring you, report them to trading standards

 

08454 040506

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