Hi , received reply from Moorcroft for Halifax credit card

[littlefatbudha]

Hi there,sent CCA off for Moorcroft for Halifax Credit Card .

I have not made a payment on this account since December 2007 ,when i lost my job, kept getting phone calls from halifax ,saying i had to pay.

One morning received call from them, i asked if i could pay £20 a month, even though minimum payment was £78.00, he said "no he would not except it" ,also he asked me, "why i did not have a job? ", to which i replied ," the company had gone into liqidation", his answer to this was "that it was not that hard to get a job and i should start looking", to which i replied "bo^**ks and hung up.

I vowed that i would pay those idiots another penny,and now after all this time i have received this from (Moorcroft inbreds ), but would Halifax have a copy of this call on file,as it was them and not a DCA that called me,and told me to get a job ?

I had previously received a letter from Wescot re: this account ,to which i sent CCA letter ,received reply that they no longer had account and had been given back to creditor,many thanks.Steve

Moorcroft halifax account.pdf

Edited July 22, 2009 by littlefatbudha

[cerberusalert]

It's a typical Moorcroft reponse with the not so subtle implication of court action. But what they keep forgetting is that they have to be in possession of an enforceable CCA to go that route.

[IdaInFife]

and you can duly file it with the others until they duly supply something thats relevant

 

 

duly yours

 

 

Ida x

[diddydicky]

and you can duly file it with the others until they duly supply something thats relevant

 

 

duly yours

 

 

Ida x

 

the letter reminds me of a sixties song

 

Duly, Duly, Duly do you love me, Duly Duly Duly do you care

[littlefatbudha]

Can i ask a question, if this was an eforceable account ,then why did Wescot not proceed with court actions,instead of selling it to another DCA, am i right thinking this ?

[diddydicky]

Can i ask a question, if this was an eforceable account ,then why did Wescot not proceed with court actions,instead of selling it to another DCA, am i right thinking this ?

 

i think you just answered your own question!

[littlefatbudha]

I am on the right track then !

[diddydicky]

yes just sit on it NO phone conversations of any kind and wait for 6 years

[gumbobriggs]

Forgive me, but:

 

As no court action has yet been initiated, is this not a request under the DPA (basically a SAR) and therefore liable to a £10 charge?

 

If we'd have sent this to them, without court papers being issued, then it would come under the DPA & a charge...

 

What about a letter telling them you cannot fulfil their request until proper payment has been recieved

[diddydicky]

is "what" a request under SAR i missed that

 

i would not sar them yet

[zazen.warrior]

Was this from the 'Pre Court Division' send a response marked FAO No CCA; No Debt Division.

Edited July 22, 2009 by zazen.warrior

[zazen.warrior]

is "what" a request under SAR i missed that i would not sar them yet

 

gumbobriggs meant their letter sounded a bit like an SAR but they hadn't enclosed the fee.

[littlefatbudha]

found original CCA , i still cannot remember sending a copy to Halifax though, this was applied for over the phone in 2005, would you say these are enforceable ??

 

 

 

 

 

[IdaInFife]

that look similar to a online agreement but without the tick box for your sig.

 

is this the copy that you have? not that they sent you?

 

and it was deffinatley over the phone?

 

ida x

[littlefatbudha]

hi there Ida, these are the copys that i found at home, have not received anything back from CCA request.

Yes i applied for this card over the phone, back in 2005, i just cant remember sending a signed copy of this back, to Halifax

[IdaInFife]

what you have is not enforceable as it doesn't have your signature.

 

Ida x

[littlefatbudha]

thanks ida, but on one of the letters it say return signed agreement and return, so if i had signed a copy of this agreement and returned to them ,would that be enforceable ? .Steve

[IdaInFife]

yes

 

ida x

[littlefatbudha]

Thanks, well if they have it they could of taken me to court by now, it has been through to two DCA's and still no court letters, this is nearly two years without paying a penny to them.

Also if the default notice ,that they apparentally sent was to contain, unlawful charges such as late payment etc, would the default still be valid.

[babydoll0141917]

you may have a invalid DN..what is the date on it ?? and when do you have to pay by ..Scan it if you can

[babydoll0141917]

subbing

[littlefatbudha]

Hi Babydoll, this was apparentally defaulted 8/2008 although, i dont recall receiving default notice, i have not paid them since 2007, but will be sending SAR to them as the default has charges included in it, to which i have been told it should not,which in that case would invalidate default notice.

Steve !

[littlefatbudha]

Hi all,

Have just received CCA from Moorcroft this morning, could somebody have a look over it for me, to see it is enforceable, i have notice that nobody from Halifax has signed Agreement.

Also if it is enforceable, should i send SAR to Halifax ,as i feel the default is incorrect as it has Charges included, and secondally i do not recall receiving one in the post.

What would you suggest guys, i do not want to pay Moorcroft a penny !!!!

 

 

 

Edited August 24, 2009 by littlefatbudha

[London000]

Hi guys, i am sorry to but in , but would somebody give me some advise regarding an agreement Moorcroft have sent me, a Halifax CCA, would somebody have a quick look, many thanks.Steve

 

Hi Steve,

No problem in butting...only united will kick them out for good...

 

I am sure I would receive the same response from them in my next move but I do not enter into any details with Moorcroft as while Halifax did not reply to my request yet (CCA), well over 5 months now and they are sneaking in just to kick you around when they should not as it is part of enforcement, I would not even bother too much...but it all depends of you situation.

I am sure that some others will jump in to rescue.

If I find out anything I should be letting you know as I am a step behind,... but will not let these ones as Moorcroft to step too much in.

I am ready for action if they go to court....which I do not think is the case ...again dep. on the situation...

Keep the faith,

DD:cool:

Edited August 25, 2009 by slick132

[London000]

Hi guys, i am sorry to but in , but would somebody give me some advise regarding an agreement Moorcroft have sent me, a Halifax CCA, would somebody have a quick look, many thanks.Steve

 

Hi Steve again,

If you have your own thread then I am sure someone will be able to answer you stright away.

I have looked again (but I am not experienced) and it does say on the second page with a ticked box...turn back to the page 3 of the agreement...

Do you have the agreement??? Any links to the pages???

How did you manage to ask them to disclose the documents??? Did you CCA-ed Halifax and they did not respond or responded with the application form only??

Send the link to your thread please and the answers will be there...as I said I am not the best but I try to help as much as I know.

DD

Edited August 25, 2009 by slick132