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M&S Loan - Out of the blue letter from Bank - passing to Moorcroft


Twango53
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Apologies its the bank loan not the cards.

 

Had a letter yesterday from Bank. Passing account to DCA and awaiting contact.

 

Last contact must be 2016/2017? by phone. In fact all contact has been phone.

 

That said bank agreed would contact again in 3 months to assess situation again. But never did.

 

However no contact until this current letter.

 

 

The account had a default notice 7 Years ago in 2013.

 

Although no CCJ and now wiped from credit file Experian.

 

 

  • Would this debt be statute – barred?

 

Many Thanks

 

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when did you last pay anything and do you know the defaulted date from an old credit file readout you might have?

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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Hi

 

Apologies took me some time to find paperwork.

 

  • Default letter date December 2013

 

  • The last payment was in December 2016 (£30)

 

Expect statute barred  no use here. As payment in December 2016 reactivates the clock?

 

 

 

 

Many Thanks

Edited by Twango53
typo
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has this been sold and have you had a notice of assignment ?

who's the bank and DCA

names names.

 

no so not SB'd till dec 2022

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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Hi

 

 

Thanks for the reply.

 

  • Bank is M&S

 

  • DCA is Moorcroft

 

  • Notice of assignment?

 

  • Debt sold unsure. Phrase is ‘take responsibility’

 

 

This is the gist of letter from Bank:

 

 

“We want to let you know we have now asked Moorcroft Debt Recovery Ltd to take responsibility for your account.

 

Moorcroft will contact you in due course about the outstanding balance on your account.

 

They will only use your information in accordance with our instructions and UK Data Privacy laws. Blah ..Blah..

 

Please forward all future payments and queries direct to Moorcroft, using the contact details in their introductory letter.”

 

 

I guess will wait for DCA introductory letter?

 

 

Many Thanks

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Moorcroft do not buy debts just chase..... so won't be assigned.

 

 

60197-200.png

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  • dx100uk changed the title to M&S Loan - Out of the blue letter from Bank - passing to Moorcroft

haha powerless moorcroft

as with any DCa ignore them totally

 

dx

title updated

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

Hello,

 

Many Thanks for looking at this Dx + Andy.

 

  • Today we have an introductory letter from DCA as expected.

 

  • Also a letter from Bank with attached cheque to compensate for service received from Collections team?

 

Should i wish to make a complaint call them or write?

 

Very bizarre......

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What's the cheque for ? 

 

Send Moorcroft your introductory letter...Its called a section 78 request (CCA) :becky:

 

This wont be SB until Dec 22.

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 Topic please PM me a link to your thread

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Not a million miles away from Stat Barred. @dx100uk or @Andyorch would cashing the cheque count as an acknowledgement and reset the stat barred clock again?

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

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No....because payment to the debtor is not considered an acknowledgment of the debt....although I would pay it into an account not associated with M&S.

 

 

 

.

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 Topic please PM me a link to your thread

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  • 8 months later...

open

please post your reported post contents here

 

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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Update.

 

Followed dx100 advice ‘totally ignored the DCA

 

DCA

20 letters

50 phone calls

 

DCA Gave up passed back to M&S

 

 

M&S passed to new DCA – again ‘totally ignored the DCA

 

Poked the bear - sent CCA request to M&S enclosing postal order fee £1.

 

 

M&S response:

Letter 1 - Thanks for recent payment (£1 postal order for CCA) offset against debt.

Please contact DCA in future ….. not us.

 

Letter 2 – (signed for) CCA complete copy of original. Received within time allowed.

 

 

DCA response:

DCA letter – Thanks for recent payment to client. We have created a repayment plan to pay monthly sum. Please pay directly to us etc…

 

 

In retrospect maybe don't send a postal order when requesting original CCA. Thinking this may have restarted SB clock for 6 more years?

 

Or just  ignore DCA completely

 

Many Thanks

 

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The po can't be used to reset SB. You have proof it was the statutory CCA fee.

 

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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