laughable twaddle from Morrcroft following CCA request- old Sainsbury CC debt

[AFoolAndHisLackOfMoney]

Hi Guys,

 

Sent 12+2 letter to Moorcroft after they failed to provide a credit agreement for Credit Card (originally taken via sainsburys circa 2006)

and received the following response.

 

Looking for the best way to respond really.

 

Havent seen this response on any previous threads.

 

In short I was paying normally until divorce then couldnt pay

 

in my panic after defaults I agreed reduced payments.

 

Do I need to respond to this and stat any perceived agreement to pay was achived under duress therefore not valid ,

 

can I sent them an s10 letter?

 

They have provided no credit agreement whatsoever.

 

Thank you in advance for your help!!

[renegadeimp]

Convert them to PDF format please.

 

It doesnt matter what excuse moorcroft give you, they have failed to produce the agreement, so the debt is now in deep dispute and cannot be chased until the CCA is provided.

 

Moorcroft are well known for misleading people and for saying ANYTHING to get you to continue paying.

[havinastella]

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

go to one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

[AFoolAndHisLackOfMoney]

[ATTACH=CONFIG]44611[/ATTACH]

Hi,

Thanks for the response. I've now attached PDF - so do I not even reply to this letter then?

[renegadeimp]

I only read the first few sentences, but its enough to know they are trying to mislead you. They are chasing you for the debt on behalf of the creditor, but they still need to produce a compliant CCA.

 

They also try to take the moral approach on the last page saying that they dont know any reason why you arent paying blah blah. It's nothing to do with them. At all. Send them the 10+2 letter and TELL them that the debt is now in deep dispute and no further correspondance will be entered into until a compliant response is sent. Should they try taking it further, you will show the court/authorities their response and that the response is a blatant breach of OFT guidance and is an attempt to mislead you.

[AFoolAndHisLackOfMoney]

So just ignore them until they provide an agreement or better to respond?

[renegadeimp]

Tell them as above, or ignore them and deal with the OC, as they have no legal rights.

[AFoolAndHisLackOfMoney]

Hi sorry i managed to miss the second part of your earlier post. Thisbas the response to the 12 + 2 so I dont see the need to respond further.

 

Though i have seen an s10 effectively banning then from updating credit records etc. Can this be applied here as Im not sure of the circumstances?

[dx100uk]

is this debt on your CRA file?

 

dx

[AFoolAndHisLackOfMoney]

Hi,

 

Yes it is

[AFoolAndHisLackOfMoney]

Its now several weeks on and I have still heard nothing ..... would the next step be to send them the Letter to request the halt on the processing of your data?

[renegadeimp]

Edit: Yep. You need to address all communication to their DATA controller/Compliance officer and mark the envelope private and confidential.

[AFoolAndHisLackOfMoney]

wonderful. thank you

[renegadeimp]

I would also make a full complaint to moorcrap and the OFT stating that they are in breach of OFT guidance as they have failed in their obligations to check the history of the debt and to ensure they have the correct paperwork upon purchase. Far too many DCA's are doing this lately, as it goes untouched and uncomplained.

[AFoolAndHisLackOfMoney]

Hi, is there any specific template for this or any specific guidelines I should quote? Does this also go to data controller or elsewhere? Thanks

[AFoolAndHisLackOfMoney]

Well sainsburys bank appear to have sold the debt to arrow though moorcroft are also acting as their dca. Arrow have sent letter a couple of weeks ago saying they will attempt to obtain a copy of the credit agreement but as of yet nothing