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Moorcroft chasing debt that has no CCA


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Lloyds - SAR reply.jpg

 

Attached are the SAR reply letter from Lloyds, the last letter I got from CCS and the first and only letter so far from Moorcroft.

 

I realised that I haven't actually sent CCS a letter saying that as they don't have the CCA, the account is in dispute. Could someone tell me which template to use please? I'm not denying knowledge of the debt to them though as I have been paying them for 5 years.

 

I will send the letter previously mentioned on this thread to Moorcroft as well.

Moorcroft - first letter.jpg

CCS - Final reminder.jpg

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Hi poster it's a letter to Moorcrap then requesting the CCA I think.

No sign of a recon agreement I hope.

Moorcroft are near the bottom of the food chain and take

on lemons in the hope of catching people unaware.

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I'll send Moorcroft a letter then saying that it is already in dispute.

 

Do I need to send CCS a letter though letting them know why I'm no longer paying? I just stopped paying them when I found out Lloyds didn't have a CCA.

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That right, I think you can ignore CCS now, at it looks as if they

returned the account to LLoyds who have appointed Moorcrap.

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Would Lloyds accept a debt back that (appears to be) sold to CCS? They marked the credit report as "settled" in 2005 so I assumed that's what had happened.

 

I got the letter from Moorcroft last week but a text from CCS yesterday so I'm confused who is actually dealing with the debt now.

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Looks like from the Moorcroft letter '' instructed By Lioyds''!!!

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Now with Moorcroft the last mob to contact you.

Moorcrofts letter is after CCS, and they state instructed by

Lloyds so ignore them.

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Sorry for all these questions, just trying to get my head around it.

 

So I send an "Account in Dispute" letter to Moorcroft saying the account is in dispute with Lloyds but I haven't actually declared the account in dispute with Lloyds or CCS yet. Don't I need to officially let Lloyds or CCS know it's in dispute first? All I have done is stop repayments.

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No just send it to Moorcroft, as they contacted you last, it

no of their business that you know there is no CCA.

So you have challenged the CCA/ debt with CCS and lloyds though.

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So you have challenged the CCA/ debt with CCS and lloyds though.

 

Don't think so. All I have done is send an SAR to Lloyds and a CCA request to CCS. Both unable to produce the credit agreement. More than that I have not done. I cannot really dispute the debt as I have been paying it for years already.

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In that case the CCA request failure by CCS means the account is already

''in dispute'' but you can copy the letter to Moorcroft and CCS, straight

forward account in dispute letter that Bazzoka Boo has posted up for you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 6 months later...

Update:

 

I got a letter after the last post dated 17/8/2011 saying that they had put the account on hold whilst they investigated.

 

Fast forward to today and I get a new letter:

 

"I write in response to your recent query in relation to the above account and can confirm that we have been in contact with Lloyds and they have advised that a copy application has been ordered on several occasions however, a copy application is not available.

 

I can confirm that I have placed this account on hold for 2 weeks and request you make contact with our call centre to discuss a repayment proposal...."

 

Are they allowed to do this?! In my opinion the account is still in dispute as Lloyds still haven't provided me with the CCA. I haven't made a payment since July 2011 (which was paid to a completely different DCA.

 

Thanks

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no ignore them!!

you'll get a discount letter soon i expect

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you dont

if they offer a discount

 

thats the clincher

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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