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TheContendor

Me vs Halifax/iqor/MOORCROFT

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Hi guys

This is re my loan with Halifax which i had previously posted about. I know how to look after the credit cards guys (so far!) but the loan I wasn't sure about. I have now received this from Moorcroft.

 

scan0002-1.gif

 

Bit worried about this one :(

I will post everything that Halifax sent me.

The account had been passed to iqor but it looks like they have passed it on.

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halifax1fixed.jpg

 

halifax2fixed.jpg

 

 

HLstfix1.jpg

 

This final page is 1 of 4 and shows all my repayments, including their charges and their interest level. My real pet hate with these guys is that I wanted to pay the loan back early but they informed that I had to pay the full amount (ie capital plus full interest) even though the interest hadn't been applied for.

 

Unsure what my employer would make of if this went as far as a ccj hence my real worry.

 

As always, thank you so much for any help.

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the loan itself looks ok to me,

 

can only make and offer of payment but if you were in position as it's with an external dca you could offer a reduced full and final.

 

Ida x


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I had thought that the Halifax one has the required prescribed terms BUT there are no Terms and Conditions. This was the reason i disputed the agreement. Have I made an error? :???:

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ps

who is marley100 and why has he been viewing this thread for the last hour?:confused:

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Gone, jeez now I'm getting paranoid! :eek:

Sorry to be a pain guys, but I doubt if i'll get sleep tonight if I can't get a POA for this one.

Is there a challenge letter that I can use v Moorcroft or can anybody see anything wrong with the above.

If the general consensus is that the CCA is good, should i use a full and final letter and what % of the outstanding would be a good shout?

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"even if not read by you"

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Moorcrofts threatograms are not worth the paper they are printed on.

They just look/sound more scary than what they actually are.

Tell them to get stuffed & report them to the OFT.

  • Haha 1

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I thought that was rather a strange thing to say too.

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Do you also think that the cca is valid mr ton?

I know most DCA's do use scare tactics to get money from their clients and this one is working for me :(. Do you think i shound send the f&f letter?

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"Valid even if not read by you" is used by alot of DCA's in general.

Goodness knows who devised it in the 1st place - but it sounds more rediculous every time you read it...which sums up the DCA industry really.

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Was there no signature on it?

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I blanked out my signature on page 1 so it is one there unfortunately, although there was nothing on the line "signed on our behalf by" at their end. Page 2 had a stamp of a Miss A W, ref number and date.

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nothing guys?

(i did manage sleep after all)

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off to work now

I would love to come back and be able to view different opinions on whether it is a valid agreement and if so what the best next step is!

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terms and conditions are not a prescribed term althoug should be supplied.

 

all they would need to do is supply t and c's at that time.

 

 

you can certainly write back and ask for t and c's but this itself would not make the actual agreement unenforceable

 

ida x

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Thanks Ida

I then have my first reduced offer situation. Does anybody have an idea how much to offer for a debt of approx 4K?

cheers

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could always start at 10 %


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Hey guys

An update on this one ~

I offered Moorcroft a full and final payemnt of £900 for a balance of £3900 and they have come back to me to say Halifax have said no :(

They have put the account into hold until the start of october. The CCA is as above and my position is approx £50K in credit card / loan debt (i give moorcroft my credit file and my salary slip). I also supplied them with the reason i am in this mess - a traumatic brain injury in 2007 that put me in hospital for 6 months and out of work for a year. I give them the doctors report as well so they know that it is not rubbish. The £900 was a gift from my parents who are trying to help me as best as they can :oops:

I'm a bit gutted to be honest.

What would my next step be?

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Would appreciate a few views on this if anybody has free time :)

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Evening

Have they defaulted the account and is the DN ok?

 

While full and final is the best first step due to the agreement, it may be worthwhile building up your stock of information in case they start proceedings. So you have info about counterclaiming for charges etc.

 

Have you sent them a subject access request?


-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Thanks ghostdebt

No, haven't sra'd them or the Halifax. I don't think i ever received a dn from Halifax, def nothing from Moorcroft, although my ol memory isn't quite as good as it was :rolleyes:

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One of the reasons I hate this debt is that i had the money to clear the loan early however Halifax advised that ALL interest would have to be paid with an early repayment - ie interest that hadn't even accrued. I didn't don't think this was fair, the buggers. Shame to see them in such a mess 8-)

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