Moorcroft chasing debt that has no CCA

[The GodMother]

Ceck ur credit file has it now fallen off or been updated.

[BRIGADIER2JCS]

A DCA or Creditor can if they wish

''ask'' for payment even if the debt

is in ''dispute'' for non compliance

with a cca request, the only restriction

is they cannot enforce in court.

[Poster]

A DCA or Creditor can if they wish

''ask'' for payment even if the debt

is in ''dispute'' for non compliance

with a cca request, the only restriction

is they cannot enforce in court.

 

 

Ok thanks. I didn't know that. I assume they can't get bailiffs in either without a CCA.

 

The entry has dropped off my account now.

[BRIGADIER2JCS]

OK, When was the last payment or acknowledgment

in writting made to this debt?

No bailiffs without a CCJ that you have failed to pay!!

This may be statute barred but you must be sure of

the default date and last payment date.

[Poster]

Last payment was made in June 2011. I was paying £55 a month to CCS credit.

[dx100uk]

something is fishy here

 

if the debt is settled and does not show

you owe no one anything

 

as for payng them since 2006, i wonder if lloyds wrote it off then!

 

but at least your payments have gone off the [non] debt and not to ccs pockets

 

pers i'd stop paying

 

how much was the loan for

how much have you been paying

how much is claimed to be left

 

dx

[Poster]

The credit entry showed that Lloyds had marked it as settled but wrote a note that it had been passed to a DCA (which I thought was weird as i would have expected it to have a default status. The entry has dropped off as the settled status was added more than 6 years ago.

 

I haven't made a payment since June 2011 to CCS.

 

CCS have stopped contacting me.

 

Moorcraft contacted me a few weeks after I told CCS the debt was in dispute. I wrote to Moorcraft saying it was in dispute and haven't heard from them since August until yesterday.

 

Loan was for £10k I think.

Paid £55 a month to CCS.

Outstanding balance according to Moorcraft is £4400.

 

My main concern is that they can't knock on the door and demand payment. I thought it was all sorted as they had no CCA and that I wouldn't hear from them again.

Edited February 10, 2012 by Poster

[Poster]

Page 1 has a snapshot of what my credit entry showed at the time it was on my credit file.

[dx100uk]

NO DCA can knock on anyones door and demand payment

 

THEY ARE NOT BAILIFFS!!

 

NO LEGAL POWERS WHATSOEVER

 

dx

[Poster]

Just a little update....

 

Just got a letter from "Midas" which I know is part of Moorcraft and another tactic but aren't they now harassing me as they know the debt is in dispute with Lloyds. They sent me another "statement" which appears to be on dodgy Lloyds headed paper (another tactic?!).

 

Do I carry on ignoring them or write them a reminder that the debt is still in dispute and that if they contact me again I will report them for harassment?

[intend]

Ignore

[BRIGADIER2JCS]

The absence of a CCA means that they cannot

enforce the debt in court, however the ' normal''

collection activity can continue.

Send them a reminder they may stop.

[Poster]

Thanks for the advice.

[dx100uk]

pers i'd ignore everyone now

 

dx

[Poster]

I now have Westcot chasing me. Are they part of moorcroft or have they sold it on?

[dx100uk]

just on a phishinglist

 

--- here you try and fleece him....

 

dx

[intend]

Welcome to the DCA merry-go-round. The more that try the more you have to believe you have nought to worry about. Enjoy your life.

 

Intend

[Poster]

Now got Nelson Guest chasing on behalf of Westcot. I sent Westcot the account in dispute letter the other day though so I'll wait and see what happens.

[Poster]

Fast forward 2 years and now I have 1st Credit on my case.

 

Sent them the same letter I sent Moorcraft so we will see what happens. They are calling my work now too though which is quite annoying. Shame I still have 3 years before it's SB'ed.

[Old Cogger]

calling your work = record dates time then report to FCA etc, time to boot these Basxxxx up the backside once and for all.

[BRIGADIER2JCS]

Hello Poster.

 

 

Have you told Morcrap not to phone your work place?

[Poster]

Hello Poster.

 

 

Have you told Morcrap not to phone your work place?

 

It's 1st credit now, and no I haven't yet. They call my phone daily and send me an offer letter every week. Only called my work twice before.

[BRIGADIER2JCS]

Ok, Have you sent an "in writing only" demand to them?

 

 

What sort of offers are they making?

[Poster]

Only the "in dispute" letter so far.

 

30% reduction if I pay within a week, 20% within 2 and 10% within 3 (I think).

[BRIGADIER2JCS]

Only the "in dispute" letter so far.

 

30% reduction if I pay within a week, 20% within 2 and 10% within 3 (I think).

 

Sound a bit desperate don't they, what paperwork do you have on this?

No CCA or recon agreement. I wonder if 1st Crud no this?