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Moorcroft and RBS credit card debt


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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?

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It's 12 years old, but is it out of time? When did you last make a payment or acknowledge the debt?

 

What does the debt relate to? Loan or overdraft?

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Dont send a CCA Moorcroft they are just trying to collect......if you have not sent RBS a CCA previously then yes.

 

Andy

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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?

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Already answered above.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

:madgrin: And next weeks winning lottery numbers are ...........

 

 

Andy

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  • 1 month later...
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?

 

Send it back signed....but not with your usual signature....they dont know.

 

Andy

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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Not that we know of..but Im sure good reputable DCAs would not stoop to falsifying evidence:wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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sar to rbs might not be a bad idea

get all the statements

 

 

ensure your payments have been getting to them?

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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cca request should have gone to rbs

we told you to ignore Moorcroft..

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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you follow the cca request instructions.

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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Well you did send it to a powerless dca

This time you are not.

 

You do not sign it

Send to the oc

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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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?

as per #10

just sign it, perhaps with a v slight variation. saves all the palaver :)

IMO

:-):rant:

 

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  • 1 month later...

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?

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nope no need for a new agreement everytime

 

 

so looks like they have complied.

as typically do OC's when they still own a debt

 

 

sar will be your next route to see if you have any PPI or penalties to use as bait to short settle?

 

 

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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"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? "

 

Current Account number ? Changes ? New Replacement Card ?

 

Im lost now ...what is this actual debt for ?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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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.

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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?

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