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delsus

Moorcroft Debt Collection (again)

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Ok heres the story, I have a credit card with Halifax, and I was unable to keep up payments for a while, they sent my debt to Moorcroft Debt Collection, I have been paying on time through a direct debit, bar one time when I was forced to temporerilly cancel my direct debit, after which they called me and we set it up agian, payments since have all been on time again.

 

This month I had a payment I was not expecting leave my bank, which resulted in a failed direct debit, I have recieved no phone calls only one letter stating they want me to pay the outstanding balance by return of post, I was wondering if they can say I have to pay that way seeing as I do not have a cheque book? I also hate cheques they are an outdated form of payment. They do not know I do not have a cheque book because they haven't bothered to call me, I have sent them an email demanding they call me on Monday or I will contact the financial ombudsman, because I find this demanding a form of payment I am unable to make is very unreasonable.

 

I just want to make a payment from my bank (whether its a direct debit or card payment I don't care) is it within their rights to demand I pay by cheque, they also thretened further action if I do not comply.

 

I have also emailed Halifax with this complaint, is it within reason to ask them to take my debt back if they contact me, after I have been paying Moorcroft for so long? (about 6-7 months)

 

Edit: I want to get this debt cleared as fast as possible, and my previous arrangement with them was fine, until they drop this on me, because of one problem with my direct debit and all I want to do is honour the origanal agreement I made with them.

 

Edit Pt2: Also this letter demanding I pay by return of post only is the only contatct I have recived from them since this direct debit was rejected, is it even legal to demand one form of payment when they are completly oblivious as to the means I can pay?

Edited by delsus

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They can ask for payment in any way they wish, however, you TELL them in what method you will pay and how much


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They can ask for payment in any way they wish, however, you TELL them in what method you will pay

 

Thats what I was planning on, personally I'm half expecting them to not contact me about it, I really do not trust them after this. I have contacted Halifax requesting them to call me to see if they will take the debt back, but I'm not too sure how that will go.

 

Also I have just checked the Consumer Credit Counciling Service website, and on there it says I must wait 8 weeks before I can escelate a complaint to the Financial Ombudsman, anyone know if this it completly true, or can I contact them whenever I like?

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you can write to them whenever you like but they will tell you exactly the same give the company 8 weeks to deal with complaint


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you can write to them whenever you like but they will tell you exactly the same give the company 8 weeks to deal with complaint

 

Ok I guess I will handle Moorcroft and Halifax on my own for now then (possibly with a little help from you guys)

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the question is why not pay halifax direct by your internet banking site, they cannot refuse it that way>

 

there is no legal reason why ouy MUST pay a DCA

unless they own the debt

 

then i'd be asking why?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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They may have asked for a cheque but it's probably just a standard letter. I imagine they'll be just as happy for you to pay by card over the phone or online (see the back of one of their demands). The form of payment won't be part of any agreement, only how much and how often.

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If you have online banking - obtain bank details for whoever you are going to pay and set up either a standing order or transfer the payment on the day you want to make the payment yourself.


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And NEVER EVER set up a direct debit with a debt collection company again, no matter how much they try and get you to do so, you should ONLY ever set up a standing order to DCA's, and even then that is if they have provided irrefutable proof that they are entitled to receive your money, none of them ever really are!


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Don't send a cheque either. It will have your signature on it and these **** are not to be trusted. It might also be worth sending a CCA request to see if they can provide a legally-enforceable copy of your credit agreeement. It only £1.00 and you can find a template here: http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter. Remember to use a postal order and don't sign the letter.

 

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