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old overdraft from Halifax been paying moorcroft for 10yrs now


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I defaulted on a £2500 overdraft from Halifax about 10 years ago and since have been paying Moorcroft a token payment.

 

I understand that overdrafts are different to other debts and that I can't ask for a copy of the CCA.

Is there another way of dealing with this debt?

Or am I stuck trying to pay it off slowly? 

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  • dx100uk changed the title to old overdraft from Halifax been paying moorcroft for 10yrs now

pers i'd stop payments.

 

if the debt is that old I bet a very good % is made of unlawful penalty fees and the interest they caused.

 

as said above

Moorcroft don't buy debts, just chase for their stated client.

 

when did you open the bank account?

 

 

 

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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It would take you 860 Months to pay this off @  £3 

Thats 71 years roughly. 

 

Honestly I would stop paying. Moorcroft cant do anything... :) 

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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no

OC's don't do court.

 

get an sar off to Halifax.

 

this wont be on your credit file and cant ever comeback to it either.

 

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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Share on other sites

Sending an SAR is completely free and it will give you information which will help you understand how the alleged debt has been calculated – in particular, the level of charges which have been imposed. You may well find that some of the charges have been imposed at an excessive – unlawful level. You may even find that some of it is made of PPI – which strictly speaking is not recoverable now – but on the other hand, if they open the door to recovering and alleged debt from you then it seems to me that they open the door reciprocally to allege that some of it is mis-sold PPI and should at least be discounted from the alleged debt even if you are not entitled since the 2019 cut-off date to recover interest on it.

If PPI has been mis-sold on the credit card then just because there is a cut-off date which prevents you recovering it, I don't think that then allows them to claim it from you. That would be incredibly inequitable

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original creditors do not do court.

 

stop paying 

they'll sell it on.

 

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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ofcourse not its a legal request.

 

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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Share on other sites

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