Just wanted to say thanks.

[jocko]

I'm much more of a reader than a poster.

 

Been in combat with moorcroft over a credit card debt. I went into default after a nasty motorcycle accident to cut a long story short.

 

Sent the cca request to which they responded with an illegible application form from the late nineties.

Sent the account in dispute letter and got a reply basically saying your account will not be closed and it could affect your credit status blah blah blah.

 

In between were the usual pre school/court maybe, possibly, might threats. The phonecalls stopped due to my being a pain over security procedure, demanding everything in writing and making them jump through every hoop that I could legally.

 

I'm taking this snotty letter received recently as a victory as there are none of the usual threats. Just petty bad temper.

 

Thanks Guys you rock.

[42man]

Just keep a heads up as another may appear !!

[jocko]

Just keep a heads up as another may appear !!

 

Will do.

 

Things I have learned from cag although it's said here time and again.

 

1 In writing only as a verbal agreement with these people is worth the paper that it is written on.

 

2 Remain polite but disdainful at all times, it seems to drive them crazy.

 

3 When the court threat drops onto the doormat reply stating that you would rather accept the impartial judgement of an appointed court official than negotiate with a company that seems to have difficulty proving any alleged debt.

 

4 Modify and individulise the template letter slightly without removing anything, this shows that you have read and understand the document you are sending and are not a copy/paste chancer.

 

I have the bemused letter ready to go should another parasite try to latch on.

[miss muppet]

Jocko, you should post more, thats excellent advice:)

[jocko]

I will try to post a bit more. Also at a similar stage with allied international though have not heard back from them recently apart from a letter saying the "account" is on hold.

 

Stupid thing is re the original accident that caused the problems. I explained to my 2 creditors that the other party was insured and had admitted full liability, proved it to them and gave medical reports of my injuries.

 

Explained that they would be paid in full if they just gave me leeway until the settlement. But oh no they had to go down the greedy stupid dca route. Their loss my gain.

[Hardupnotfedup]

Miss Muppet is right but I am still scratching my head at Point 1,

I know what you mean though good luck, I hope you are getting back on track after your accident.

Good Luck