Moorcroft Debt Recov limited

[Jon7]

Hi, Got a letter from Moorcroft Debt Recov limited on the 4/06/2010 about overdraft and charges, that came out of the blue nearly a year after another debt collection agency wrote me.

 

This is the first letter I have got from them to with overdraft and charges. In it the say, 'They have been instructed by Halifax to collect your over due debt £1,533.35.

 

It is a legal requirement to send a notice of of Intended Litigation before legal proceedings in the county court are issued. We believe that this letter fulfills this requirement even if not read actually read by you.'

 

Then goes on about solicitors, Legal proceedings and how it is essential that I settle this debt without delay. They want payment in full within 7 days or contact them. Both there client and Moorcoft do not wish to take action but if agreement cannot be reached by 11/06/10, a claim may be issued by our client's solicitors without futher notice,

 

We would draw to your attention that if Judgement and an order for repayment in full is obtained and remains unpaid, the following enforcement options are available and may be considered.

 

1. Warrent and Bailiffs.

2. Application for attachment of earnings order.

3. Application for a charging order, etc, ect.

 

We would emphasise that should judgment be entered against you this may affect any future Credit App you make elsewhere. We would also draw to your attention that all legal costs incurred are usually payable by the debtor.

 

All paymets must be made payable to "Moorcroft Debt Recov limited" and forwarded with this letter to the above address.

 

Your sincerely,

A.J.Martin.

 

Is this letter legal in anyway? Can they do anything, they threaten to do if I do not pay up??

 

Anyone???

 

P.S Not my full name on letter.Misses out My middle name. I have used my full name at Halifax, this includes my middle name.

[Pinky69]

You can either ignore them or send them this:

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading debt collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

[sickboy]

Does it have "Debt Notification" written at the top? and a Giro slip at the bottom?

 

They were quite intimidating with me and sent quite a few letters, but were gone again in two months. The last i heard from them was a "Doorstep Collection" letter.

[dx100uk]

standard pass-the-parcel annual phishing list letter

ignore them

 

dx

[Jon7]

Does it have "Debt Notification" written at the top? and a Giro slip at the bottom?

 

They were quite intimidating with me and sent quite a few letters, but were gone again in two months. The last i heard from them was a "Doorstep Collection" letter.

 

Hi sickboy, thanks for reply. No, "Debt Notification" nowhere And no Giro slip at the bottom.

[Jon7]

Thanks for reply.

 

But if I send this kind of letter back, it will give them my full name (not wise). I won't ignore them but I think I should send them back, their own letter, after making a copy of it, With the words on their own letter ' Not known at this address". What do you think??

 

You can either ignore them or send them this:

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading debt collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

[Hardupnotfedup]

Thanks for reply.

 

But if I send this kind of letter back, it will give them my full name (not wise). I won't ignore them but I think I should send them back, their own letter, after making a copy of it, With the words on their own letter ' Not known at this address". What do you think??

 

Who was their letter addressed to then if it didn't have your full name on it, How do you know it is for you?

By sending letters back marked not at this address you are ignoring