Thames water-Moorcroft debt collector-Asking lodger to pay debt

[ncm-000]

grizzled......

 

 

More 'kicked in the Butt' by a Donkey

[DonkeyB]

Hey, I wear soft hoof covers made of DCA’s skin!

[Guest]

didn't see any butt kickin.....just caggers giving their opinions and advice, and the OP having the option to do as they please with it. but then maybe I am thick skinned....don't take offence easily and just welcome all comments and take the good ones and iggy the ones I don't agree with........its simple really.

[bowcreek]

I don’t understand – why the ‘prove it’ letter? You know what the debt is actually about and whose responsibility it is, so why beat about the bush? It situations like this, relying on standard templates is lazy and pointless – and disingenuous, as you most certainly do know what it’s about.

 

Deal with the idiots head on!

 

You need something a bit more direct, that states clearly the debt has nothing to do with you, that it was the landlord’s responsibility, and that you are reporting them to the OFT fand ICO or breaches of debt collection guidelines and data protection breaches. Reiterate that they are already fully aware that you are not the debtor, and it was not and is not your responsibility to deal with the landlord about this. State that any further contact with you will be considered criminal harassment, and you will contact the police.

 

Okay - I have no background on dealing in such situations and hence had a happiest time of the day when I got the link to the "Prove it" letter and fellow members asked me to us it as the first correspondence. I am confident in sending it as a standard template would have prevented my newbie wordings to be passed on to Moorcrap or TW hence minimizing the chance of them coming back !

 

But I somewhat agree that it *might* (no offence to ncm-000 or others) be a better idea to mold the letter a bit tailored to my situation?

 

I don't use templates - I prefer really stinking letters! - but bowcreek is new and I know that some new members prefer to work with templates. The templates given on the forum are always accurate in what they say.

 

Thanks and agree with you Desperate Daniella. I would have preferred to use the Prove it letter. But I can attempt to write down a tailored version of the prove it letter by stealing the lines from various posts mentioning various "laws" and doing a bit of bodyshop work on the letter.

 

Can post it here before I send it over for experienced members to review.

 

Would that work for you guys . Hoping that I am not being a pain !!

 

Glad to be part of this forum at right time....

[bowcreek]

An email is a document and even with an automated reply its proof they received it, but if you prefer paper trail then any letter IMO is best sent recorded so you can know when they received it etc. I would write to TW directly and ignore the moorcrappers as I cant abide DCA's, also TW should advise them of any query, especially as your not the homeowner and have paperwork to prove its not even your debt.

 

Thanks Ruby_Tuesday for quick turn around..

[ncm-000]

But I somewhat agree that it *might* (no offence to ncm-000 or others).

 

None taken, you are new here so I offered the simplest route, does not mean it is the most appropriate.

 

I would have preferred to use the Prove it letter. But I can attempt to write down a tailored version of the prove it letter by stealing the lines from various posts mentioning various "laws" and doing a bit of bodyshop work on the letter..

 

Bespoke letters are always better than templates, but hard to write and many do not feel confident in doing so.

 

Can post it here before I send it over for experienced members to review.

 

Standard practice, I am sure one of the 'Big Guns' will be more than pleased to assist you with the letter.

[DonkeyB]

Never a pain – all the input so far from everyone has been more than useful, and it’s all going in the right direction.

 

The Prove It letter would have certainly worked long term, no doubt, but as you are the innocent party here, you can make your case in such a way that if they persist in harassing you, you can go for the jugular.

 

CAG’s a community, everyone’s always learning, and not everyone is on here 24 hours a day.

 

Yes, post up your letter. Sure it will be great. Don’t hold back! State the facts and produce a timeline of events that leaves them in no doubt that you know what you are talking about. That’s the real power.

[Desperate Daniella]

Hey, I wear soft hoof covers made of DCA’s skin!

 

I always wondered why Ellie at Capone went quiet ..... Assume you also include the in-house debt chasers?

[DonkeyB]

Damn right. Saddles aren’t cheap, you know. I needed someone with a thick hide.

[BRIGADIER2JCS]

None taken, you are new here so I offered the simplest route, does not mean it is the most appropriate.

 

 

 

Bespoke letters are always better than templates, but hard to write and many do not feel confident in doing so.

 

 

 

Standard practice, I am sure one of the 'Big Guns' will be more than pleased to assist you with the letter.

Happy to help with a letter if needed,!!

[bowcreek]

Happy to help with a letter if needed,!!

 

Thanks Brigadier - Did you mean you can draft a letter ?

[BRIGADIER2JCS]

Thanks Brigadier - Did you mean you can draft a letter ?

 

Yes certainly! Just add any more details that might help here and I will draft a letter for you.

[bowcreek]

Okay - Please don't beat me with a stick and excuse me for my ignorance..! While writing a response to Bregadier to provide more details for writing the letter, I took out the letter from my file which I got from (PLEASE NOTE) - "CWC - Debt recovery Specialists" and not Moorcroft... in december. So it was actually CWC and not Moorcroft who sent me the letter and whom I had spoken with.

 

BUT

 

The reason I started mentioning about this company called Moorcroft right from the beginning of this thread, is that recently the texts and Automated calls which I have been getting are from Moorcroft - in which thet are asking to respond with my e-mail address and have also given an account number regarding which they want to get in touch with me...and I thought it was Moorcroft only which issued me that letter in the beginning! Apologies...!

 

So now I am getting the calls and texts from Moorcroft to which I haven't responded at all. It has the account number different from the one mentioned in letter from CWC. But I am 99% sure that its the same case which CWC was handling which has now been passed onto Moorcroft to work on ...

 

So ideally I haven't had any confirmation or communication with Moorcroft to know for what are they trying to get in touch with - What should I do? Should I contact them back with my e-mail address ? Should I call them? or should I enquire by logging into their site using the given account number in texts?

 

I can't write a letter to Moorcroft without any confirmation on what they are chasing me for - formally..!!

 

Sorry again for confusing you all

[DonkeyB]

CWC is actually Thames Water!

[DonkeyB]

But Moorcroft does collect for Thames Water.

[BRIGADIER2JCS]

Yes a ''prove it'' letter to Moorcrap is needed do you want me to draft that for you?

[DonkeyB]

Yes a ''prove it'' letter to Moorcrap is needed do you want me to draft that for you?

 

Until Moorcroft shows it’s hand, and you know they’re chasing the alleged TW debt, there’s nothing to prove!

 

Suggest the letter simply goes to Thames Water if they are the only ones you have had proper correspondence from. So was it CWC chasing you rather than the landlord? If so, that’s Thames Water themselves chasing the wrong person!

[bowcreek]

Until Moorcroft shows it’s hand, and you know they’re chasing the alleged TW debt, there’s nothing to prove!

 

Suggest the letter simply goes to Thames Water if they are the only ones you have had proper correspondence from. So was it CWC chasing you rather than the landlord? If so, that’s Thames Water themselves chasing the wrong person!

 

Yes a ''prove it'' letter to Moorcrap is needed do you want me to draft that for you?

 

Thanks for being patient !

 

Agreed, Moorcroft haven't formally showed their hands saying they are chasing me for that debt or whatever and I haven't spoken/contacted them yet either.

 

They have just been sending me texts to keep in touch regarding account number mentioned in the texts. So I can't issue a prove it letter at the moment to them.

 

Yes, I had spoken with CWC earlier and the letter was issues by them only...back in december.

[Dotty50]

As there seems to have been a heated debate here about what bowcreek should or shouldn't do, I thought I would offer my two'penneth!

 

bowcreek mentioned about info on his/her credit file in post 1, I am not aware that water companies register an account with CRA's , mine certainly isn't but I'm not with TW. So I would suggest checking this to make sure.

 

bowcreek has also moved out of the house and never had an account with TW so why bother doing anything at all? As the landlord advised, I think I would ignore them!

 

Were you on the electoral roll whilst you were living at the address bowcreek? If you were, this is most probably how Moorcroft got your name and wrote to you hoping you would pay up!

[DonkeyB]

Evening Dotty! Nothing heated here, just a bit of equine guffawing and tomfoolery.

 

Moorcroft hasn’t written, it’s CWC (ie. Thames Water’s in house debt collector) that has written – Moorcroft is bothering the OP but hasn’t properly revealed why yet.

 

As you say, I think TW is fishing for someone to chase for the money, and as Moorcroft is not involved but is harassing the OP, I think he has every right to complain about this and put his objections forward. Getting a resolution in distressing events like this is only fair, and a nasty letter can be fun to do... especially if they don’t go away and it then becomes criminal harassment.

[Dotty50]

Hi DonkeyB,

 

post one states that Moorcroft have written on behalf of TW, I'm assuming that TW wouldn't write to anyone else apart from whose name is on the bill, if they have, wouldn't that be a breach of Data protection? Moorcroft don't care and will harass anyone that is likely to pay up.

 

I agree, everyone has the right to complain, I just like to do as little as possible and Moorcroft won't be losing any sleep over this!

 

If the OP recognises the numbers when Moorcroft call then they can easily be ignored and they will soon get fed up of calling.

[Desperate Daniella]

Agree with Dotty - don't ever answer their calls.

 

I would send a sharp sod off letter though.

[Dotty50]

But don't whatever give them your new address!!

[2Grumpy]

Having received calls on my mobile about debts that aren't mine, I would think twice before assuming that texts that you have received are in any way related to any letters that you have received from some-one else!

[bowcreek]

as Moorcroft is not involved but is harassing the OP, I think he has every right to complain about this and put his objections forward. Getting a resolution in distressing events like this is only fair, and a nasty letter can be fun to do... especially if they don’t go away and it then becomes criminal harassment.

 

The texts I have received are as follows:

 

Mr.xxx, pls reply with your e-mail address so we can get in touch re:Moorcroft acct#xxxxx or call 01614752979.

 

The first text was received on 3rd Apr and another reminder with same text was received on 9th Apr. Meanwhile I got an automated call as well "asking me to confirm if I am the person they are asking the name for.." by saying yes or no .!! I just hung up..!!

 

Not sure if with this I can still send them a letter and this can be treated as harassment? Its true that I don't know why am I getting these calls and texts to get in touch for. !! (But tricky bit is I know it would be for Thames water matter).