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Dyn27 V Moorcroft


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I owe lloyds £1150 from a bank account i stopped using. I must have gone overdrawn once with this account and between the monthly fee and overdraft charges it has snowballed to this amount (it was around £500 more but they reduced it)


I went through the route of claiming back my charges - case was put on hold etc etc.

Then went through the hardship route because i could not afford the repayments lloyds wanted - FOS ruled for lloyds eventually.


LLoyds finally said that they would stop further charges occurring but would invlove a DCA.


I had a few phonecalls off Allied International and now ive had threatening letters and phonecalls off Moorcroft.


A lot of the history to this story can be seen at previous posts;-

dyn27/aic/lloyds & Can anyone explain CCA's to me (in this forum)


I've attached the moorcroft letter also


I'm really worried about this and dont know what to do next. I really need the advice

Thanks dyn27


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Can't read the contents of the letter as its too small, but I expect it will be the usual jibberish from Moorcrap.


Bailiffs, attachment of earning ect ect ect, heard it all before.


But as I have said many times before it is all rubbish, they have no powers whatsoever unless they take you to court and win and you have to default on the judgement after that.


I take it they are 'acting on behalf' of lloyds.

or has the debt been sold

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They hav'nt bought the debt, they're acting on behalf of lloyds. Ive read on here about CCA's but arent quite sure of what theyre about? would it be worth sending them one of those to see if they stop harrassing?


thanks again


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