MBNA debt bought by Moorcroft

[PinBubba]

Earlier this year, I was suffering with mental health issues, leading to a compulsive gambling addiction. 

 

I ended up divorced, on anti-depressants, and in debt on an MBNA credit card. 

I explained this to MBNA, who gave me 'breathing space', and then I never heard anything more for a couple of months.  

 

During this time, I had to leave the marital home, I lost my job (subsequently taking lower paid employment), and have spent time trying to rebuild my life, and physical and mental health. 

 

Last week, I received a letter from Moorcroft saying they're dealing with the MBNA debt, and I now owe them the full amount (around £5700).  I admit the debt on my CC was mine, but I was unable to pay MBNA due to the situation I was in.

 

I'd be grateful for advice on how to deal with the issue, whether to speak with Moorcroft, or deal directly with MBNA?

 

Many thanks 

[dx100uk]

Moorcroft dont own the debt

They are not a debt buyer

 

When did you last pay anyone?

[PinBubba]

January or February, to MBNA.

[dx100uk]

well you most certainly never ever speak to a dca 

they are NOT BAILIFFS

and have 

ZERO legal powers on ANY debt.

 

is this your only potential debt or are there others?

 

then we'll move this fwd

 

dx

 

[PinBubba]

Ok, I won't speak to them, thank you.

 

This is my only debt, the only other thing is relating to a chargeback involving Barclays Bank, which the Ombudsman 'investigated' and surprisingly found in Barclays favour (even though Barclays previously admitted fault).  But that relates to an old current account.

 

Thanks for your help

[dx100uk]

good.

when did you take this card out approx.?

and are moorcrofts clients stated as MBNA?

[PinBubba]

At a guess, 5 years or so.

 

Yes

[dx100uk]

ok good

 if you look in the debt collection section of our library

there are various letters, you could send the one regarding pro rata offer to MBNA by royal mail.

make them an offer and stick to it.

 

dx

 

[PinBubba]

Ok, I will - thanks for the guidance.

 

 

[PinBubba]

Does it matter if the account has defaulted?

[dx100uk]

other than killing your credit file for 6yrs not really.

 

dx

[PinBubba]

Have printed off the letter, will post recorded later.

 

Thanks again, will update any news when I get a response.

[dx100uk]

no need to waste money on recorded

just use a 1st class stamp and free proof of posting from any po counter.

 

dx

 

[PinBubba]

Fair point; thanks again!