Moorcroft have taken Money out my HSBC account!!

[HONESTKNOB]

Please help. I had an HSBC credit card which I cca'd them on and they just sent a blank credit agreement. I put the account in dispute and apart from a few template letters I heard very little for over a year. The account is now with Moorcroft. I got paid yesterday and checked my bank account this morning and Moorcroft have taken £400 without warning!!!

I rang the bank as this is my rent money and they just keep saying I agreed to it when I signed for the card but they cant even provide a copy of a signed credit agreement.

As far as I am aware moorcroft are not part of HSBC so I don't understand how they can do this.

I am in a right mess now and cant afford to pay my rent. Is there anything I can do??

Thanks

[dx100uk]

do you bank & have CC with HSBC?

 

dx

[HONESTKNOB]

Hi,

Yes the card and Bank Account are with HSBC but the account has now been sold to Moorcroft.

[dx100uk]

its not moorcroft [are you SURE it says moorcroft] its your bank operating was is call 'off-setting'

 

sadly one of the pitfalls of having credit aND wages to the same group.

 

however they can only take ARREARS.

 

not got any benefits involved have you?

 

sadly nowt you can do about

 

get your wages paid into an bank A/C you do not have credit cars/loans with.

 

dx

[HONESTKNOB]

Well when I was on the phone to HSBC earlier they kept saying it was nothing to do with them as the account had been sold to moorcroft.

I will get a full statement tomorrow and let you know.

Thanks

[dx100uk]

smells

 

they are lying

 

if they are not, who the hell gave them authority to allow moorcroft to raid your a/c?

 

if they start playing silly buggers, ask if it was done under direct debit

 

if they say yes

 

tell them you received no letter advising of the setting up of a dd in moorcrofts name or did you receive any letter advising of the figure and this was going to take place under dd

 

demand it back under the dd guarantee scheme....which means they must put the sum back immediately

 

ruddy fleecers.

 

p.s if it was sold to moorcroft, THEY must send you a letter & moorcroft must send a notice of assignment too.

 

but even if these two things WERE done, it still does not give them the rights to your bank A/C to take it.

 

 

 

dx

[HONESTKNOB]

Thanks DX. I got a statement and all it says on it is 'Arrangment'. No idea what that means.

I'm not ringing them again so I've sent a message through my internet banking so I can get something in writing. Once I know who has actually taken the money then I'll have some idea what to do next.

Thanks again.

[HONESTKNOB]

Well I've finally got a letter from them. It does say that the account was passed to Metropolitan and then Moorcroft. As far as I know Moorcroft aren't linked to HSBC are they? What should I do now??

[rdm2006]

Sometimes they have a set up where the dca (moorcrofts) are acting as collectors rather than buying the debt - unless of course that is one of their tall stories in order to get payment.

 

Regardless they have no right to collect whilst it is in dispute!!!

[dx100uk]

it say PASSED not sold i take it

that means sadly they have every right to raid your bank A/C under the off-setting rules

hsbc have done this themselves i bet.

 

dx