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    • Yes, my initial view is that @unclebulgaria67 is probably right and that because it was a magistrate's warrant, it would be the energy company that would have been in control of the situation directly. Unfortunately this will be much more difficult to deal with then dealing directly with Marston but anyway if you give us your details as requested, we can at least get Outlook from that direction as well. I'm also wondering about the position of your landlord in this. As you have taken up a tenancy in a particular property then I would have thought that one of the terms of the tenancy would be that you should be entitled to quiet enjoyment. Although the landlord may say that it is not their fault and it is down to the previous tenant, at the end of the day you have a contract with the landlord who has certain responsibilities. I think we may consider involving the landlord in this as well. You say that there have been letters addressed to the previous tenant. What have you done with those?
    • Yes please. We have certain direct access to Marston and we may be able to get someone to look at this at a senior level. Please email us as requested with your own contact details and name of previous tenant.   We can't guarantee any particular result but we can promise you that it will be looked at.
    • they say in letter dated 20/01/20 that the agreement was terminated on 30 July 2017 and cannot be terminated twice, so your VT request is invalid. startline issued termination or Default notices on the following dates: letter: 30/03/2017 termination notice  liable for payment: arreaers to date : £365.38 the balance of: £10,586.50 total: £10,951.88 7 days notice else ROG+sums outstanding. ....................... Letter: 11/12/2017 Default Notice nature of breach: instalments of £211.73 due 30th each month. action to remedy: payment of arrears £449.23 by 30-12-17 other info: payments to date: £5226.91 outstanding: £9351.89 less rebate: £2251.41 Amount Due: £7100.48 if you act before 30-12-17 and have paid £7056.90 you can VT. ............ Letter: 27-07-2018 Default Notice refs a dn dated:31/05/2016 - there is no such DN in an SAR return. nature of breach: instalments of £211.73 on 30th each month. action to remedy: payment of arrears £226.73 by 15-08-2018 other info: on or after date 27-07-2018 we shall terminate,withdraw possesion and recoversums due upon termination. total paid: £6250.91 outstanding: £7647.28 less rebate: £1590.47 Amount Due: £6065.81 if you act before 15-08-18 and have paid £7056.90 you can VT. ........................  letter: 01-10-2018 termination notice  liable for payment: arreaers to date : £325.06 the balance of: £6079.75 total: £6404.81 7 days notice else ROG+sums outstanding. ……………………...     NEW ORDER STATEMENTS.pdf Doc1.pdf
    • thank you.   have you had issues paying credit before you took any of these out?   i'e were you keeping a good handle upon your credit file and it wasn't shot with any defaults or payment markers during the period when you applied and were successful in getting any of this additional credit?   my thoughts are ...should the above not be the case and your credit worthiness was good... so couldn't p'haps introduce some irresponsible lending complaints in association to them … it might be an idea to give all your creditors the heads up that times are hard and you wish them to help you, as they are duty bound to do, by freezing interest and any penalty fees to allow you to ride out this present financial hardship till things improve ...   how does that sound...   dx  
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intercityboi

Moorcroft an old Natwest debt

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Hi,

 

.A while ago, an old Natwest loan was transferred over to Moorcroft as I had missed several payments owing to personal circumstances.

 

When Moorcroft contacted me, I registered myself on their internet page and made an offer of £300 per month towards clearing the debt (which is £8.2k).

 

Personally, I find this to be a more than reasonable amount to have offered.

 

They have had this payment, for the past 4 months, via standing order and everything has been tickety boo.

 

However, just before Christmas, I received correspondence from Moorcroft, advising that they had been supplied with information

from credit reference agency CallCredit to advise that my financial situation appeared to have changed and that they would like me to contact them as a matter of urgency.

 

Now you just know this is not going to tell me that they want to REDUCE my payments, but probably pay more.

 

Luckily, I am comfortable with paying this amount each month and, as a matter of fact, this will be reduced even quicker as I am paid every 4 weeks,

which means they'll get 13 payments a year instead of 12.

 

I suppose if they had any sense, they would have cottoned on to this, bearing in mind the date they receive their money changes every month?!?

 

What I want to know is that if CallCredit HAVE given Moorcroft this information, have they breached DPA rules?

 

Yes, it is true that I cleared a couple of smaller debts just before Christmas that saved me interest,

but I was more interested in clearing these as I knew that paying off more to Moorcroft would not save me anything,

as there's no interest/charges being added on to the original amount owed.

 

I find it incredulous that a credit reference agency is, snitching on me for paying bills.

 

If Moorcroft feel they should be having this money instead, then shall I just stop paying my rent, utlility bills and credit cards as well?

 

That's a joke by the way, I'm not that idiotic.

 

After choosing to bin the letters, Moorcroft have now called today and left a voicemail asking me to call them.

 

What for?

 

I could understand if I wasn't paying, but I am.

 

Are these people never pleased?

 

Could someone please advise on what my next step should be?

 

Many thanks,

 

Ross

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sounds like there could be more to this story.

 

does it show on your credit file when was the last payment before morecrap got involved

 

is there PPI and charges that can be reclaimed

stay off the phone to them


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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and you believe what they say in their letters??

 

now

what concerns me more here is you are freely paying a DCA

 

NEVER EVER pay a DCA

 

have you looked at your CRA file?

 

is the debt listed?

WHO is shown as the owner?

 

dx


..

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Hi welcome to CAG no there is not a breach of the DPA, DCAs and creditors routinely check for ''improvements'' in debtors circumstances.

You are not under any obligation to speak to them or offer them higher payments so ignoe until the start begging letters.

The information will have been provide by a search.


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

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Thanks for your replies guys.

 

They're much appreciated.

 

I honestly don't know the in's and out's of debt recovery and I decided to come on here as I felt aggrieved that,

 

a company that I am paying just appears to want more than the fair amount being offered.

 

I have read a few other threads on Moorcroft and noted that they are rather underhand and that ownership of debts can be questionable and so on.

 

Should I write to them,

 

stating that I only want contact in writing and nothing else?

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please answer the questions asked

 

is this debt on your cra file?

 

when was YOUR last financial in/out before these fleecers spoofed you into paying?

 

what is the default date on the CRA file?

 

dx


..

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The last payment to Natwest was in December 2011. The first payment to 'bounce' was in January 2012. It was around September time that Moorcroft got in contact. I made the first payment to Moorcroft on 14/09/12 and they have had 4 more since, so £1500 has been shaved off the debt to date. I have not checked my CRA file, how would I do this please?Thanking you for your assistance :o)

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Have you checked your credit reference files?

 

Do you have a copy of the loan agreement, if not a CCA request made under sections 77/78 of the Consumer Credit Act 1974 can be made, there is a £1 statutory fee and the DCA has 12+2 workink days to comply, use the template from the CAG Library.

 

To stop calls send this to tThe Compliance Manager at Moorcroft.

 

Ref: use theirs.

 

Sir,

I refer to recent telephone contact from Moorcroft regarding the debt I am repaying, please note I will only deal with this matter in writting, and please note I am not prepared to increase my payments at any time.

 

Recorded delivery.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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sniff sniff something smells here...

 

why did yu start paying the DCa

 

fell for a thread-o-gram

 

dx


..

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As I said before,

I really don't have any idea about any of these things.

 

I know that probably makes me look stupid to others, but in my eyes it's just a case of a debt that's owed and has to be paid and simple as.

 

Unfortunately, it doesn't appear to be as simple as that does it?

 

I'm now thinking that Moorcroft may have now shot themselves in the foot,

as if they'd have just kept quiet and been happy with their £300 a month,

then I wouldn't even be on here.

 

As such, I am now going to be taking your advice and obtaining my CRA and contacting them for confirmation of ownership of the debt!

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Good keep us posted please.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Certainly will. I'll be letting you know of further developments via this thread. Watch this space!

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As I said before,

I really don't have any idea about any of these things.

 

I know that probably makes me look stupid to others, but in my eyes it's just a case of a debt that's owed and has to be paid and simple as.

 

Unfortunately, it doesn't appear to be as simple as that does it?

 

I'm now thinking that Moorcroft may have now shot themselves in the foot,

as if they'd have just kept quiet and been happy with their £300 a month,

then I wouldn't even be on here.

 

As such, I am now going to be taking your advice and obtaining my CRA and contacting them for confirmation of ownership of the debt!

 

no need to contact them [send the cca though]

 

your cra file will show if thy own it

 

IMHO your need to SAR NATWEST ASAP.

 

when did you take this debt out

and how much was the loan for?

 

still got the agreement?

dx


..

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