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Moorcroft and Lloyds Bank letter


Hecuba
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Hi on 30th August 2016 I received a letter from Lloyds Bank, signed by Jamie Graham informing me Lloyds have transferred my outstanding credit card debt to Moorcroft and they have instructed them to contact me. I defaulted on my credit card debt with Lloyds 7 years ago and for 6 years 6 months I have been paying £10.00 a month direct to Lloyds Bank.

 

Today I received a letter from Moorcroft (signed by A.J. Martin) telling me that despite fact earlier this week I paid Moorcroft the monthly £10.00 unless I contact Moorcroft within 7 days they will 'recommence collection activity if we cannot agree a repayment plan that you can afford and maintain.'

 

I cannot afford to pay more than £10 a month and have paid this amount to Lloyds - the debtors for over six years now. I feel Moorcroft are using intimidation tactics in order to get me to contact them.

 

I checked my credit rating with Noddle and note this credit card debt is no longer showing so it must be over 6 years old.

 

Any advice would be much appreciated.

 

Hecuba

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You ignore moorcroft

They don't own the debt

Lloyd's have sent these letters to 1000's of people if you search here

 

The debt is not on your file now as it was defaulted more than 6yrs ago

 

Dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx100uk, I had noticed on reading the debt forums that Lloyds have been sending these letters out. So I assume I should just continue paying Lloyds Bank the £10.00 a month I have been doing and of course ignore Moorcroft?

 

Hecuba

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Yep

Ever sent a CCA request?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

 

I checked my credit rating with Noddle and note this credit card debt is no longer showing so it must be over 6 years old.

 

Any advice would be much appreciated.

 

Hecuba

it is. as you say you defaulted 7 yrs ago :)

as you have been paying for 6 1/2 yrs since, it wont be barred.

continue paying loyds, leave lesscroft alone. though, it will prob be sold on just now, surprised loyds have kept it for so long.

IMO

:-):rant:

 

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Hi Ford, thank you for your advice and yes I have recommenced paying Lloyds direct. I haven't missed any payments and as I expected Moorcroft have been attempting to ring me but I've barred their number. Now I've received a text message from them demanding I contact them immediately!

 

I will ignore Moorcroft and continue paying Lloyds direct and yes I too am surprised Lloyds have kept this debt given it is now over 6 years old. I note Moorcroft can't own this debt.

 

Hecuba

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if you dont mind the texts/letters etc from lesscroft, then continue to bug them by not communicating with/paying them :)

up to you.

otherwise, cld write to them along the lines of saying you have a formal agreement with loyds which you will continue to honour, and wont communicate with lesscroft further.

see what the guys think.

IMO

:-):rant:

 

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Hi Hecuba,

 

I'm in virtually the same position as you, however, Lloyds have told me that I can't make a payment direct to them when I tried to pay over the counter at the local branch. According to them the account number does not show up on the system. How are you managing to pay Lloyds directly if you don't mind me asking.

 

Thanks.

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Hi Hecuba,

 

I'm in virtually the same position as you, however, Lloyds have told me that I can't make a payment direct to them when I tried to pay over the counter at the local branch. According to them the account number does not show up on the system. How are you managing to pay Lloyds directly if you don't mind me asking.

 

Thanks.

 

Have you got your own thread on this?

Royds have a bank account number and sort code, all you need do is set up a SO using your own banking portal, and ensure that you use any reference number regarding the account you had with them.

 

But can't really advise on this thread as it only hijacks and confuses things.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Have you got your own thread on this?

Royds have a bank account number and sort code, all you need do is set up a SO using your own banking portal, and ensure that you use any reference number regarding the account you had with them.

 

But can't really advise on this thread as it only hijacks and confuses things.

 

Hi BB,

 

My thread is here http://www.consumeractiongroup.co.uk/forum/showthread.php?124875-Lloyds-Credit-Card-(Moorcroft-Group-PLC-)-now-lowells

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