Newday Fluid Credit Card debt being chased by Moorcroft

[glossyfitz]

Hi Guys

I had a credit card with Fluid which I stopped paying last year as I couldn't afford it and the balance never seemed to get reduced, I was just throwing money at it!  

They have assigned Moorcroft to chase me for money. 

What's the next step? 

Should I ask for my statements and claim back the charges?

Thanks in advance

[Homer67]

I believe the advice will be to ignore Moorcroft as they are acting as powerless debt collectors on this matter.

Someone with expert advice will be along shortly, in the meantime do not panic, there's little or nothing Moorcroft can do to you

[glossyfitz]

Thank you Homer x

[dx100uk]

ignore moorcroft .

has Newday issues a default notice yet?

thread title updated

moved to newday forum

dx

 

[glossyfitz]

Hi dx no I haven’t received a default notice yet 

[dx100uk]

then most certainly not even think of doing anything until they issue you with a DN.

dx

 

[glossyfitz]

Thanks for the advice guys, much appreciated.

I will update as soon as I receive a DN x

[glossyfitz]

Hi guys

Update - these people have been leaving messages on both my mobile and my WORK number.  

[dx100uk]

block the numbers and report all txts to 7726 spam

dx

 

[glossyfitz]

Hi dx

The call goes through the switchboard for the receptionist to put through to us.

They have been leaving some more messages left on my work's vm. 

I need to do something quickly! 

(lucky the receptionist is a diamond & won't say anything to my boss)!

However, I think it's time to do something to stop the calls.

  Should I start with requesting a CCA first?

Thx for listening 

[lolerz]

FCA CONC 7.9.7 states that a firm (in this case, moorcroft) must not act in a way that is publicly embarrassing for their customer and that third parties do not become aware of debt problems.

Moorcroft are clearly in breach of those guidelines.

Did you give your work phone number when you signed up to fluid or have they found it?

You should write to Moorcoft ONLY telling them to stop calling you. I believe there's a template letter in the library for you to base it off.

Don't waste your time with a CCA yet.

 

[glossyfitz]

Thanks Lolerz - no I can't ever remember giving fluid my work number.  Okie dokie, I will search in the library thanks again x

 

[glossyfitz]

Update - just received DN from fluid and asked me to get in touch with Moorcroft! 

Have had no more calls at work from Moorcroft and have ignored phone numbers that I don't recognise

I have done nothing at all.

 

[dx100uk]

good keep it that way.

let them sell it on to a DCA. you'll get a notice of assignment from the dca/debt buyer and newday.

then if you ever get a letter of claim. pop back here.

dx

 

[glossyfitz]

Thank you dx will do x