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Argos account in dispute, passed onto Moorcroft.

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Hi just hoping someone can give me some advice please. I sent a CCA request to Argos and they sent me a copy of an application form with my signature on , I posted it up on here and was told that it was unenforcable. I sent Account in dispute letter to Argos and they replied saying that they had provided the information I requested. Two months down the line I have recieved a letter from Moorcroft saying that the account had been passed to them for collection. I wrote to them saying that Argos had sent a signed application form not a enforcable credit agreement and that the account is in dispute. I have recieved 2 letters back from them last week 1st letter saying that they have contacted Argos and they have been advised that they sent a letter to me informing me that they did fulfil their obligations under section 77/78of the CCA and that I need to contact them to discuss payment.Second letter ( NOTICE OF INTENDED LITIGATION). Can anyone advise me what I should do next. Thanks for your time.

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Don't be worried about the empty threats from pre printed moorcroft letters.


If the agreement is unenforceable then I would ignore moorcroft as you have already told them it is unenforceable. It will probably get passed back to argos.

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Moorcroft don't do anything - they give up quite easily. In addition their Notice of Intended litigation nonsense is against OFT guidelines as they send this toilet paper out as a matter of course and have no intentions of litigation. They also cannot litigate against you as they do not own the alleged account. I have also just discovered that as they are collecting on behalf of another DCA they are not data controllers (from the ICO today - I have posted a thread about it) so they can do nothing but ask for payment and their chances of getting any are nil. Report them to the OFT for pursuing an account in dispute and for threatening legal action they have no intentions of pursuing (1st Credit had restrictions put on them for doing exactly the same thing). Every report is another nail in their coffin. Send a copy of the OFT letter to Moorcroft's complaints Department and you won't see them for dust.



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