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Help with debts from Santander and HSBC


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Hi guys I have been readin on this site for a little while now but i am still cluless on what to do! I owe money to Santander and HSBC. They have 'passed' this on to Moorecroft Group. I thought HSBC was Metropolitain and I called them and they (metro) said they had 'sold' my debt to Moorecroft!! Now I have just come off the phone to Moorecroft say I have just started a job again and I dont get paid untill the 27th July and I can start to makes some payments then to clear this debt. They said it isnt good enough they wont acceopt this as I have to pay the full amount now on each accounts or pay £13.59 - so I replied what part of I have no money right now because I have just started work again do you not understand? I am offering what I can and saying when I can start paying. they said I will be getting a letter about court as from monday. I have had a few heated disscussions in the last month and to be honest they are rude and one guy shouted at me down the phone about 3 weeks ago saying why arent I on the the doll so I can pay my debt!


Please help me I dunno what to do I'm 22 and im scared and I have offered what I can do but they wont listen.

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As you are a newbie, we won't lambast you for not following the rules :D


These are:


Never speak to a DCA on the phone

Never believe anything a DCA tells you


Always correspond in writing

Never sign a letter

Always send letters by recorded delivery.


Anyhoo, moorcroft are giving you a load of bull. Most of the wouldn't know the inside of a court from the bar they are usually propping up drowning their sorrows.


If you could elaborate a little on what the debts are, we should be able to help, (NO accurate figure, just what type of debt and a rough figure)

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Hi cara, welcome to cag


Take a deep breath, first rule when dealing with DCAs is never to speak to them on the phone as you can gather they will say anything. Everything must be in writing.


Are these accounts moorcroft are chasing loan or credit card?


if they are, then you need to cca request moorcroft to see if they have a right to collect the debt




edit to suit


Try not to be imtimidated by moorcroft they full of hot air

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Hi guys! sorry bout not following rules! i'm just so scared!

They are for bank overdrafts. The total amount is under £3500! Most of the Stantander is bank charges both were only £500 overdrafts..... The HSBC is £535 ish its the Santander thats is the killer! the debts are bout a year old on both.

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The CCA letter is irrelevant for overdrafts. I would put this account in dispute right away on the grounds that it comprises mostly of charges. I have amended a template for you:




Dear Sir/Madam,


Your ref:


I do not acknowledge any debt to your company.


I am in receipt of your letter of **DATE**, the contents of which are noted.


As holders of a Consumer Credit Licence you are obliged to comply with the Office of Fair Trading Guidelines on Debt Collection. I dispute your claim for payment on the alleged debt as it comprises unlawful bank charges.


As per OFT guidelines Section 2.8k you are required to cease collection activity whilst investigating a reasonably queried or disputed debt.


Take notice that I will not discuss this matter on the telephone, and all further communication must be in writing. Any further telephone calls will be perceived as harassment, and dealt with accordingly.


Yours faithfully


You can now have some fun with Moorcroft because they are as thick as Elephant poo.

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