Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
  • Our picks

marco23

Moorcroft for Arrows - chasing OH's M+S card debt

Recommended Posts

hi all

i am writting this on behalf of my wife,

 

she had a large debt with marks & spencer credit card just over £9000,

she defaulted on payments and the debt was sold on to Moorcroft who aranged a repayment plan with her of £5 per month,

 

all has been well for two years and now they want her to complete an expenditure form,

 

i emailed them back saying they have no legal right to demand this and will not submit the inforation requested.

 

the online payment facility keeps taking her to the expenditure form page and wont take the payment, their is no CCJ on the account,where does she go from here ?

 

thanks in advance

Share this post


Link to post
Share on other sites

Ignore moorcroft. Theyre total bottom feeders. Also, are you sure they bought it? They normally just chase on behalf of a creditor.

 

If they bought it, i would seriously question you blindly paying them without checking the validity of the debt.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

moorcroft- ignore


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

then dont pay online. Arrange a standing order for the fiver and do a CCA request tio see if they have the paperwork to enforce the debt. If thet dont you cancel the standing order. Refusal to accept the payment can invalidate the debt given enough time so take screen shots of the web pages to use against them and keep hard copies of all emails.

DONT use the phone.

Share this post


Link to post
Share on other sites

Moorcroft don't buy debts - who told you they'd purchased it???

 

 

look on their letters

who is stated as their client please...

when was the card taken out too?

 

 

please don't forget the golden rule

that applies to all her debts

a DCA IS NOT A BAILIFF

and has

NO LEGAL POWERS WHATSOEVER

 

 

dx


..

Share this post


Link to post
Share on other sites

they only try and collect on commission basis that is why we ignore them. the OC use them as a collcting agent only.


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

many thanks for the replies guys,

they must be collecting it on behalf of M&S,

 

the account was opened around 2007,

trouble is the default is within 12 months of dropping of her credit file so she obviously doesn't want a CCJ at this stage,

 

probably better to send the letter asking to see the loan agreement ?

but i would have thought M&S credit card services would have this on file anyway or am i missing something here?

Share this post


Link to post
Share on other sites

the fact that the default is almost 6yrs doesn't mean anything.

 

 

a CCJ can still be attained after that and will still show.

who is their client please???

 

 

the original creditor would never do court

so stop being scared of that.

 

 

and if its it IS still owned by M+S

little point in a CCA request to them either

 

 

just ignore Moorcroft.

I would guess she stupidly started paying Moorcroft because at that time you'd not found CAG?

go pay M+S directly

 

 

cut out the DCA.

 

 

dx


..

Share this post


Link to post
Share on other sites

hi all im having a bit of trouble if anyone can point me in the right direction

 

I have been paying Moorcroft Debt Recovery £5 per month for around 4 years on a 8k debt which was on a M&S credit card,

 

they are now insisting i complete a financial assessment form ,

i take it they are trying to up the payments,

 

i have never sent them a prove it letter and their is no CCJ on the account,

 

they say the agreement i have is informal and may not stop county court action,

 

what direction should i take,

,many thanks in advance

Share this post


Link to post
Share on other sites

old and new threads merged 

 

now please re read and answer the outstanding questions?

like are moorcrofts client M+S?

why did you keep paying Moorcroft when you were advised before to doing stop that?

 

 

 


..

Share this post


Link to post
Share on other sites

it was easier at the time to pay moorcroft as the payments were low and affordable,

the wife had had a nervous breakdown so i took over the repayment arrangements to take the pressure from her,

the debt was in effect sleeping while not making her ill,,

i hope you can understand

Share this post


Link to post
Share on other sites

moorcroft are only debt collection agents who prey on victims to line their commissions they collect if ever anybody pay them> they are not debt purchasers.   and if ignored go away eventually


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

thanks old Cogger,

i'm thinking now to stop the payment to moorcroft and put the debt into dispute by sending them a prove it letter

 

however i think the chances are slim that M&S don't have the documentation,,

somewhere in the cog of collection either M&S want the payments increased or Moorcroft do,

probably Moorcroft i suspect

but passing the buck to M&S by saying if i don't comply 'its an informal agreement that can be concluded with a CCJ'

Share this post


Link to post
Share on other sites

??

forget stupid prove it letters.

 

follow post 8

 

dx

 


..

Share this post


Link to post
Share on other sites

may i ask why not?

or is it they just sell on for someone else to do the dirty work

 

its debt to M&S credit card services, other than that only Moorcroft have been involved in the collection

Share this post


Link to post
Share on other sites

so still owned by the OC

they wont do court because of potential bad publicity.

so pay then directly via your banks interweb portal.

ignore and do not pay or anything at all Moorcroft.

 

 


..

Share this post


Link to post
Share on other sites

i wont be sending anymore payments to Moorcroft and shall contact the OC to pay direct.

 

i'm quite happy to make the monthly payments but was concerned as the debt is around 9K they may go for a CCJ then a charge on property, even those i could live with but 'i dont know' do they add interest on a property charge if so then that's when it gets scary, is it still not worth doing the CCA letter?

 

the account was opened around 2007

 

 

Share this post


Link to post
Share on other sites

as I've said there is little evidence of Original Creditors issuing any court proceedings.

there is NO evidence here that M+S do.

 

I didnt say contact the OC, just do it monthly by say BACS or automatically by setting up standing order via your banks interweb portal.

unless this was a store card upgraded to a credit card, there is little or no point in a CCA request to M+S the OC.

 

 


..

Share this post


Link to post
Share on other sites
18 hours ago, marco23 said:

 

 

they are now insisting i complete a financial assessment form ,

 

 

Only  a court, HMRC or Council Tax Collections have the right to insist on a financial assessment form.   


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

 

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

Share this post


Link to post
Share on other sites
1 hour ago, London1971 said:

 

Only  a court, HMRC or Council Tax Collections have the right to insist on a financial assessment form.   

yeh their not getting that London, their not even getting a response, DX has given some valuable points and i thank you all

Share this post


Link to post
Share on other sites

ahhhh, i just checked the letter from Moorcroft and its headed Re: Arrow Global LTD (sorry i missed that) so at some point it must have left the hands of M&S, does this change things now??

Share this post


Link to post
Share on other sites

Send Arrow a CCA request


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

 

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

Share this post


Link to post
Share on other sites
5 hours ago, Andyorch said:

Send Arrow a CCA request

 

thank you,, i have no reference numbers or account number to include on the letter so should i use the moorcroft client ref number and moorcroft reference (two dif numbers) and make PO payable to Arrow Global ltd

Share this post


Link to post
Share on other sites
19 hours ago, Andyorch said:

Yes

OK the CCA request has gone off in the post,

 

now if Arrow Global cant produce this then that chucks up an alternative route to the problem,

 

should they be able to enforce the debt 'with the CCA' then what route is best to keep it out of the County Court,

 

i can only see an increase in payments would do the trick,

 

my main objective is not to let it go to CC or worse even a charging order because this will make the wife ill again, 

 

so an increase in the monthly payment or an offer of full and final payment at say 50% of the debt

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...