Halifax passed on debt?

[tioaboa]

Hi All,

 

my original thread

 

Just received a unexpected letter today from Moorcroft Debt Recovery, in relation to a halifax CC debt, which is strange because I have an agreement with halifax for £5pcm for six months from the 1/6/11 which still has at least 1 payment to go after which i was expecting to agree to a new plan with the halifax based on my original offer.

 

I've had no letters stating they've passed on the debt to anyone a quick call to retail collections asked me to call a company called Blair, Oliver & Scott on an 0845 number, I've not done this yet as I'm considering writing to halifax to clarify who should be collecting my payments.

 

The letter from Moorcroft looks scary but reading between the lines is just a threat-o-gram, intended litigation, indeed. I've made the payments I could afford each month so the judge I presume would look dimly on them taking me to court.

 

The arrangement letter even says after review in december ..... also says that they might at this time pass the account to their recoveries team.

 

So whats the next step for me to take? any advise greatly appreciated as always

 

NB: (I was considering CCA but i think I've a copy here anyway)

[jimjim5]

I have the same at the moment, I had an agreement with action for 1.00 pm, but I'm paying 5.00 and they have passed it to a Fairfax solicitors. They are threatening to litigate as I am refusing to pay them and my standing order is going direct into the Halifax account every month

[firstship]

No worries Blair Oliver Scott is only the debt collection arm of Halifax (HBOS)

 

I would continue to pay Halifax the agreed £5 and advise Moorcroft that Halifax have not advised you of any change in the agreement you have with them and until such times as this happens you will continue to pay Halifax.

 

As you state, keep paying them, it is always to your advantage should the courts get involved

 

Regards FS

[dx100uk]

what about reclaiming charges??

 

dx

[tioaboa]

what about reclaiming charges??

 

dx

 

Hi dx,

 

not sure i have any charges, but i will check.

 

Thanks firstship, I was thinking along those lines, I'll write to Moorcoft and tell them Halifax haven't advised me they were acting on their behalf. Is it worth copying halifax in on the letter?

 

 

 

Cheers

Ian

[firstship]

write to Moorcroft pay Halifax, could if you wish send copy to Halifax

 

As Dx states double check there are no charges or PPI involved

 

FS

[brokebutnotbeatn]

Halifax are nightmares for this. You will find they spend 3 months loading interest back on after years of an accepted dmp whilst they 'transfer' the debt to the inhouse collections team. In my experience they are by far the worst of them all! Ironically, once it gets to BOS or Moorcroft it actually becomes easier to maange the dmp if that's what you want to continue to do!

[tioaboa]

had a call from moorcroft tonight asked for security i said no, they said you'll have to deal with us. I put the phone down. The letters on its way....

[ivansmagic.]

I had a debt with Halifax and got all the letters from Moorcroft which I rubbered. They then passed it to Wescot who accepted £10pm, no questions asked. I still get a statement for my Halifax CC stating I have a £1500 credit limit with £278 outstanding ( reducing each month )!!!!!!

[The Ghost]

Let them pass it to a DCA - they're much easier to deal with.

[tioaboa]

OK are moorcroft a DCA? ....

[firstship]

YES the are a DCA................then we have Moorcroft Potteries got the be a joke there somewhere

 

FS

[tioaboa]

Hi All,

 

New letter from Moorcroft, still nothing from Halifax yet, you can see it attached below.

 

http://dl.dropbox.com/u/5405859/moorcroft.jpg

 

Its in Comic Sans for crying out loud how are you suposed to take a threatening letter seriously in that font!

 

Its all hollow threats I guess. Do I acknowledge them or carry on with Halifax, they've accepted this months payment I think. Or do I write to moorcroft with an I&E and an offer?

 

Cheers

Ian

Edited November 29, 2011 by tioaboa
image too small

[tioaboa]

any views on this please?

[dx100uk]

std phishing letter

 

ignore

 

dx

[The Ghost]

Totally ignore Moorcroft and deal with Halifax for the time being. Moorcroft may not like it, but tough.

[tioaboa]

will do that surprised Halifax haven't written yet.

 

Thanks Guys.