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Moorcroft chasing HSBC credit card debt no CCA


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I have an old HSBC credit card debt for £7000.

I received default notice back in 2010 and was paying £1 a month, until last year when I received a letter from HSBC confirming they cannot provide CCA and debt unenforceable, so I stopped payment.

 

Moorcroft are now chasing for repayment plan.

Is there a standard letter I can send them to say no cca and confirmed unenforceable so go away do not harass  or do I just ignore.

 

I dont have means to repay.

I'm a carer for wife, so not working,

my daughter has serious mental health issues,

my mother has dementia and much of her support also fall on me, 

my father has passed away this August,

and father in law losing sight.

 

Do I tell them this.

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Ignore Moorcroft .....

 

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HSBC will sell it on 

if you ever get a notice of assignment from anyone pop back to us.

 

just always remember a DCA is not a bailiff

and has

zero legal powers on any debt no matter what it's type

 

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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