Moorcroft and RBS credit card debt

[MrGreen]

RBS got a DCA to chase me on a 12 year old debt but I kept ignoring the letters.

 

 

It's now gone back to RBS and they've instructed Moorcroft.

 

 

There's nothing on my credit file, probably due to the time scale.

 

 

Do I just ignore them or issue a CCA straight away?

[MrGreen]

Looks like I first defaulted in 2006.

 

 

I paid RBS £10 a month for a couple of months in 2008,

then I did make some payments to Experto Credite from 2012

but they've gone bust so I stopped last October.

 

Shall I CCA RBS to see what comes back?

[MrGreen]

If I send a CCA to RBS what's the chances of them having the correct paperwork?

[MrGreen]

[MrGreen]

I sent Moorcroft a CCA request and they've returned it saying it must be hand signed.

I know this is rubbish but how do I respond?

[MrGreen]

Has there been any recent cases of signatures being lifted? That's what I was cautious about.

[MrGreen]

Yes I missed that, apologies.

 

Should I now send the CCA request to RBS?

 

Do I need to sign it by hand or is typing my name acceptable?

[MrGreen]

I did and it says no need to sign. DCA says it needs signing according to data protection laws.

 

Hence why I'm asking, who is correct?

[MrGreen]

I sent the CCA to RBS on 19th May, they received it on 22 May.

 

I have received a response today from RBS on 12th June which was posted on 8th June.

 

They have sent me:

 

A signed copy of my credit agreement from 1997

T's & C's for the 1997 agreement.

A current statement of the account.

A letter you usually get with a replacement credit card?

 

1. The response was late.

2. The account number they're quoting on their letters, current statement and replacement credit card letter does not match the original credit agreement.

 

What do I do now?

 

Does the credit agreement number need to be the same as the current account number? I'm guessing the actual credit card this refers to changes over time. So should a new credit agreement be signed with every new card?

[MrGreen]

The debt is a Credit card.

 

I'll reword "Current" account number - The "latest" account number.

 

The Credit Agreement they sent has a different account number listed to the account number they are now quoting.

 

They also sent a cover letter which you usually get with a replacement credit card and this has the new account number listed.

[MrGreen]

Sent the SAR today.

 

I'm interested to see how many payments they received from Experto Credite as they went bust. What happens if no payments went to RBS? Can I claim SB?

[MrGreen]

I received the SAR documents on the 26th July.

 

There's loads of statements, some correspondence from 2006/7 when I said I couldn't pay the debt and a letter saying they're gathering information from the DCA. The statements show some payments I made in 2008 and 2012-2016.

 

They said they've passed the case on to another DCA, who I'm ignoring.

 

I haven't received any further information that they said they'd get from the original DCA. It was Experto Credite who went bust last year.

 

Do I just sit and wait? What happens now?

[MrGreen]

I received the SARicon documents on the 26th July.

 

There's loads of statements, some correspondence from 2006/7 when I said I couldn't pay the debt and a letter saying they're gathering information from the DCAicon. The statements show some payments I made in 2008 and 2012-2016.

 

They said they've passed the case on to another DCA, who I'm ignoring.

 

I haven't received any further information that they said they'd get from the original DCA. It was Experto Credite who went bust last year.

 

Do I just sit and wait? What happens now?

[MrGreen]

No PPI or penalties.

 

They continued to charge me interest for 3 months in 2006/7 when I told them I couldn't pay and offered £10 per month.

After 3 months they accepted the £10 but didn't refund the interest.

 

At some point they got Experto Credite to collect the payments but there is no mention of them in the letters.

 

What's interesting is that I received a letter from RBS in July 2007 and then nothing till May 2016 when they said they passed the debt to Westcot.

I ignored them and now they've passed it to someone else.

[MrGreen]

After Westcot it was Moorcroft who I've also ignored.

 

I've still not heard anything from RBS in 6 weeks. They said they'd send further information from the DCA.

 

If they still own it why are they passing it around all the DCA's?

 

Also what usually happens next?

[MrGreen]

[causing problems] gits!

 

Who are the DCA's who will buy?

[MrGreen]

Had a letter from a new DCA called Apex. Never heard of them so does anyone know much about them?

[MrGreen]

Cabot got hold of this a while ago and I've received various letters from them which I've obviously ignored. They've now said they're sending Resolvecall to come and visit me.

 

I've recently moved address so do I need to inform Cabot about this?

 

Also, if I have to inform them, should I send them a CCA at the same time?

[MrGreen]

Thanks.

 

I've got redirected post for 12 months so I'll wait for the next letter to arrive. 

[MrGreen]

Thanks for the advice. Makes sense but I don't have their address. Their website lists two addresses but doesn't specify that you can write to them. 

 

I've updated everything else 

[MrGreen]

That's the address I was planning on using but thank you for confirming. Much appreciated.