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British Telecom / Moorcroft £246 'admin fee'


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Good morning,

 

My ex-partner, more specifically her sons ran up my telephone bill to £1000 before I had to have the old bill remove them. I was paying BT back but the majority of monies was going to council tax arrears. BT passed the debt to Moorcroft in January. I continued paying Moorcroft until it became apparent that my complaints about a £263.46 'admin fee' which had immediately been added to the account were being ignored.

 

I have written to British Telecom and the meat of their response was;

 

"The Debt Collection Agency (DCA) admin charge is only applicable to those customers who. despite numerous reminders, do not pay their telephone bills and are then passed to an external debt collection agency to pursue. The administration cost is not a charge in respect of BT supplying a service, but is to compensate BT for the costs incurred as a result of referring the account to a Debt Collection Agency.

 

The pertcentages applied will represent the lowest DCA commission rates in place for these debt types. It was felt appropriate for BT to make a positive margin for these charges and so the design ensures the revenue generated does not exceed the total cost of collection"

 

I have sent Moorcroft an SAR request for a breakdown of fees, and have written to British Telecom again as they did not clarify whether they have sold the debt to Moorcroft or Moorcroft are acting as their agent.

 

Any ideas? CH

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Naughty Moorcroft. They should not be adding fees to te account. It is clear in the Office of Fair Trading Debt Collection Guidelines below that they are not allowed to do this.

 

2.9 Charges should not be levied unfairly.

2.10 Examples of unfair practices are as follows:

a. claiming collection costs from a debtor in the absence of express contractual or other legal provision

b. misleading debtors into believing they are legally liable to pay collection charges when this is not the case, for example, when there is no contractual provision

c. not giving an indication in credit agreements of the amount of any charges payable on default

d. applying unreasonable charges, for example, charges not based on actual and necessary costs

e. applying charges which are disproportionate to the main debt.

 

I would certainly be complaining to the OFT, Trading Standards and your MP.

:cool::cool: Blondmusic :cool::cool:
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[email protected] are well known for their extortionate fees :rolleyes:

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

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BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

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I have written to British Telecom and the meat of their response was;

 

"The Debt Collection Agency (DCA) admin charge is only applicable to those customers who. despite numerous reminders, do not pay their telephone bills and are then passed to an external debt collection agency to pursue. The administration cost is not a charge in respect of BT supplying a service, but is to compensate BT for the costs incurred as a result of referring the account to a Debt Collection Agency.

 

The pertcentages applied will represent the lowest DCA commission rates in place for these debt types. It was felt appropriate for BT to make a positive margin for these charges and so the design ensures the revenue generated does not exceed the total cost of collection"

 

 

So it looks like it is BT who is being naughty & not Moorcroft (or Moorcroft added it at BTs request)

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simple deduct the fees and when you get to the final balance stop paying these sharks

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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thank you people...I have sent Moorcroft an SAR and will wait for that to appear....it was nice of BT to drop themselves in it...I have written to Moorcroft on 5 occasions asking them to explain their fees..all I get is evasion...I have sent BT copies of the correspondence I have had with Moorcroft so will be interesting to see their reply CH

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Don't forget that because BT are using [email protected] to collect they can be held accountable for their wrongdoings ;)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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section 1.9 of the oft guidelines on debt recovery.

 

At least i think it is that it is 1.9.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 1 month later...

The latest.....I sent Moorcroft a Subject Access Request which they failed to respond to, to explain their fees, they failed to respond to the reminder, but wrote back to be saying that they are no longer handling the account..well there is a surprise. I have responded to BT/Moorcroft by saying that I will claim back my extra costs in court. I have asked BT to explain in writing why they have supported Moorcroft's action, twice, they have not responded, but keep ringing me.

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