Midas Legal Services - Virgin Media Lackeys

[Tricksy]

As a follow up to my thread: "Receiving threats from Moorcroft on behalf of Virgin Media" (New member - I can't post links yet!)

I have just received a letter from Midas Legal Services which reads as follows:

 

Dear XXXX

 

Re: VIRGIN MEDIA Balance £34.30

 

 

LITIGATION WARNING

 

We are part of the Moorcroft Group and are aware that you have failed to reach a repayment agreement with Moorcroft Debt Recovery Ltd concerning the above account. We are now reviewing the account prior to the possible recommending of legal action by external solicitors acting on behalf of our clients.

 

To prevent possible further action you must contact Moorcroft Debt Recovery Limited at the following address.

 

Moorcroft Debt Recovery Limited

P.O. Box 17

Moorcroft House

2 Spring Gardens

Stockport

SK1 4AJ

 

Telephone Number: 0161 475 2810

Fax Number: 0161 477 3864

 

Failure to contact Moorcroft Debt Recovery Limited by the 25/02/11 may result in the issue of legal proceedings without further notice.

 

Yours sincerely

Mr. X XXXX

Litigation Manager

 

 

 

 

Any words of advice / encouragement? I know the letter looks about as flimsy as a wet paper bag but do you think these clowns will actually man up and issue proceedings? I've already missed the payment date anyway since they send all the letters to the wrong address and it takes time for them to be forwarded..... So I guess I'll find out one way or the other in the not too distant future.

[spamheed]

I think you will see that the key word in that closing sentence is "May" as in they may bring the world crashing down around your ears.

 

Or maybe they won't and for £34.30, I would be inclined to doubt it

[silverfox1961]

As Midas are part of the Moorcroft group, I think it would be better if this post was merged with the other thread unless there is good reason not to. Can you let us know

[Tricksy]

Because I didn't want to bump a dead thread. And also a letter from legal services is pretty scary to someone like me, I'm not yet an experienced CAGGER!

I really want some help on this matter as I'm fairly intimidated to be honest.

[silverfox1961]

Ok,

As I see it, Midas is threatening you, not promising that they will go to court. This is just another tool in their arsenal to intimidate- and they are succeeding!

 

As you wish this kept here, this is the link to your other thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?294113-Receiving-threats-from-Moorcroft-on-behalf-of-Virgin-Media-Please-Help

 

I'll have a read and come back

[silverfox1961]

Well, as I see it, you should be making a written complaint to VM outlining what you put on the other thread.

 

Your choice of what to do about Moorcroft/Midas. My option is to send a 'Prove it' letter

http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

 

In the meantime, check your credit file just to make sure they haven't placed a default there and if they have, we could help get that off

[Tricksy]

Thanks for the advice.

 

There's nothing on my credit report, and I will write a complaint to VM when I get home.

 

I'm loath to write to Moorcroft as they don't know my address (they don't even spell my name properly) and I would like to keep it that way. I'm wondering if it ever went any further I could just deny all knowledge of their threats since it's all going to my mother's address and there's no way they can prove she forwarded anything to me...

[rockwell304]

See below for info on Midas "so called" Legal!

 

Re: Morgan Stanley/Barclaycard - is this enforceable please?

Originally Posted by

Desperate Daniella

You are supposed to be shaking with terror because the letterheading includes the word 'legal'.

 

As they are new you might as well send them the standard sod off letter and you can also ask them why Moorcroft is now calling itself Midas Legal Services.

 

 

 

Thank you DD,

Re. Midas Legal, I've just had a look at these clowns! They are a dormant company so if anyone receives a threatening letter you know what to tell them!

Alternatively, you can find their one registered director at one of the following;

NEIL GEORGE MCROBERTS

MOORCROFT FINANCIAL SERVICES LIMITED

MOORCROFT DEBT RECOVERY LIMITED

MOORCROFT INVESTIGATION SERVICES LIMITED

MOORCROFT COMPUTER SERVICES LIMITED

MOORCROFT GROUP PUBLIC LIMITED COMPANY

ROMILEY GOLF CLUB LIMITED

 

I may visit the idiot at the golf club and stuff his letter in an appropriate place!

[avonia]

I have had this very problem with Moorcroft. I first told Virgin that I wasn't paying the bill as it was miss sold to me. They told me that I would have to pay the rest of my contract which I refused to do. They told me to write a letter to there head office stating my dispute which I did with no reply. I called them and at the beginning of the conversation they told me they had on record that they had received my letter I then got passed around form pillar to post and they said I had to write again to the head office. I told them I had already done this with no reply. they then told me that I could email which I did and they emailed back say ing they couldn't deal with it and I had to write to head office!!

 

Then the moorcroft letters started. I spoke to them and they said that I needed to attached all the info the my account and they would put it in dispute. I did this and then after a while they sent more letters. I called them yesterday and offered them half to settle. They refused it and said it would have to be the full amount so I said no. the guy on the phone said it would go to court and I would have to pay £150 court costs so which is double what I owe so I should just pay the debt now (which I found very pushy!). I refused and said I would fight the court action.

 

I am worried now and I want to just clear the debt but after reading these thread am reluctant

 

Could someone please advise whether I should just pay or keep fighting it?

[Tricksy]

@ Avonia - Virgin Media are completely incompetent, I wouldn't waste your time trying to get through to them. As for Moorcroft they are the lowest of the low. I think you might have made a mistake by phoning them at all, as now they will think they have you on the hook.

 

Personally I haven't responded to a single one of their letters, and the latest one I got is showing them getting a bit desperate. Basically it says I've been passed on to their 'home collections' department. However the previous letter said that failure to pay will result in immediate legal action so the fact that they have now added another step to the process is just proof that they're bluffing. Although I was worried by the first couple of letters, I'm now 99% sure that they're nothing more than hot air. Let's face it they would never take legal action for £30 (which I don't even owe them) because as a small claim they would have to cover their own legal costs.

 

Your debt of £150 is obviously higher than mine and it sounds like because you left a contract they might actually have grounds to prove the debt in court. But I highly doubt that they would take it further than threatening letters because of the fact that their legal costs would be higher than the £150 they would get from you if they won.

 

My advice would be to completely ignore Moorcroft, it's working out OK for me so far. If you want to contact Virgin then keep trying but send all mail recorded delivery or they will ignore it. Also if you send mail recorded delivery you will have proof in case of the very tiny chance they take you to court, then your recorded letters will guarantee you win the case. Remember they're not allowed to chase a debt which is in dispute!