Please help - need URGENT ADVICE: RBS/Triton and now Moorcroft Debt Recovery

[Andy01]

If you have written your original credit reference and you name and address on cca request then they should be able to find you on their system. So in this case they are unable to and IMHO I would ignore any more communication with them.

 

Wait for Cerber's reply

[cerberusalert]

Send the CCAs back in their prepaid envelope + their ref numbers. I wouldn't bother sending it recorded delivery, just get 'proof of posting' from the PO it's free.

[hope in hell]

Cheers for the replies.

 

I would do as you suggest Cerbs but Moorcroft have only provided one reference number and one outstanding balance, as RBS/Triton condensed the 3 accounts/debts into one big account/debt many moons ago.

 

So what do you think we should do now?

[hope in hell]

Cerberus, what do you suggest i do in light of the fact that Moorcroft only present one figure and one reference number despite there being 3 CCA requests?

 

Do i still simply return the 3 CCA requests/postal orders to Moorcroft in their envelope?

 

Please advise.

 

Many thanks.

[cerberusalert]

Quote their reference number and tell them it's their problem and the clocks still ticking. It's their responsibility to get the information from their 'client', if they are chasing debts without all the facts a complaint to TS, OFT and the FSA is in order.

[hope in hell]

Many thanks for the reply.

 

Will do as you suggest and see what happens next.

 

Thanks.

[debbbbsy]

Have you done the DSAR to RBS ?

 

 

Debs

[hope in hell]

I have done the DSAR and i'm in the process of getting the documents onto the PC. They should be done very soon and i will upload them here.

[hope in hell]

** UPDATE **

 

Just a quick update.

 

On Saturday June 5, i posted Moorcroft the 'Accounts in Dispute' template/letter, as they had failed to provide the documentation requested within the specified time limit.

 

And today i have received a letter from Moorcroft from their Home Collections Division. In this letter they state that a local representative may call at my address. Also they state that they may be willing to offer a reduction on the debt of upto, and possibly more than, 25% over a 3-month period if we contact them within the next 7 days.

 

Obviously we have no intention of entering into negiotiations while the account is in dispute and will ignore this letter; especially as it was sent before they will have received the 'Accounts in Dispute' letter.

 

But if a Moorcroft rep does call at my address, how should i deal with them? Have they any rights to enter or anything?

 

Many thanks.

[cerberusalert]

A doorstep collector has the same rights as the tinker selling pegs if he/she comes to your property.... non whatsoever. Once you ask them to leave legally they have to otherwise they will be committing the tort of trespass.

 

It is a normal threat from DCAs that someone will be calling, normally it means calling as in telephoning, very rarely does anyone turn up at the door. See; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

[sam614]

probably won't happen

 

either hand them a copy of this and close the door.

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

 

or tell them to do one

[hope in hell]

Cheers for the replies.

 

I'll update when i have some news.

 

Many thanks.

[hope in hell]

Long time no news. That is until today anyway.

 

So having heard nothing from RBS/Triton and all other companies representing them for months, today we have received a letter from Robinson Way Ltd informing us that before taking my partner to court they may arrange for a local collector to call round at our home to discuss a repayment plan.

 

So what i wanted to know is: does the same advice still apply as was given to me previously in this thread by cerberusalert regarding debt collection and doorstop collectors or have the laws/rights changed?

 

Many thanks.

[debbbbsy]

The law still applies, while the account is in dispute they cannot do anything. Let them know the account is in dispute, along with the don't darken my doorstep or else letter.

[hope in hell]

Many thanks for your reply debbbbsy.

[victoria_siempre]

Hi hope

 

Do not fret about door-steppers.

 

Tell them politely to Foxtrot Oscar or you will the call the police

 

After I had a visit from them, I find the threat of them quite amusing.

 

Stay strong

 

love

 

vic

[hope in hell]

Many thanks for your reply victoria. I will do as both you and others have suggested.

 

Thank you.

[ArtisanUK]

tell them to do one

 

What, on the doorstep?