Moorcroft & BOS charges

[eforegg]

Hi

 

In my apathy and depression I have allowed a request for bank charges to be put on hold...roughly £5000, although the BOS have refunded £1000 as a gesture of goodwill which I took as partial settlement. The bank of Scotland are chasing me for £1988 which is my overdraft (all charges) on an account I had to stop using as the charges ate up any money paid into it including at the time incapacity benefit.

 

They passed this onto Moorcroft roughly 4 months ago. I got in touch initially and disputed this and told then I consider this amount in dispute. Today a card was put through the door of my ex-partner (my account was still registered at that address although I haven't lived there for roughly 6 months) from a local Moorcroft Representative.

 

It's stressing the life out of me especially as we have a young son of 7 living with his mum, what is the best course of action here?

 

Any help is appreciated.

[maroondevo52]

Hi,

 

You either Ignore it, tell your ex to send it back 'not at this address'.

Or you could send Moorcroft this letter............

 

 

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.

[eforegg]

Hi

 

Thanks for your quick reply. I'm going to see if I can send them an email as per your wording above. Failing that I'll get a letter sent off tonight.

 

As an aside ridiculous that the consumers rights are on hold but the banks have carte blanche to attempt to harrass and distress people into paying something which they dont owe.

[maroondevo52]

Yes, I know where your coming from, good luck with that.

 

Regards.

 

Scott.