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Moorcroft.....Request for increased payments !

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Hello to everybody from a new member - great site with lots of useful information!

 

I have already searched the forum and whilst I can find plenty of similar questions to the one I have I would appreciate some help with a problem. I am just composing a letter to Moorcroft......!

 

Some time ago we hit hard times and consequently fell behind with many outstanding bills - we got some of them sorted with voluntary payment arrangements with the companies concerned, although picking up CCJs in the process, but we have been trying to keep heads above water with the others including a water debt which went to court and immediately to Moorcroft for them to collect. Whilst I do not dispute the actual debt in principal although it seems to have gone up for some reason, I am having increasing problems with their handling of the account. We offered a payment of £20 per month which was accepted and has been paid satisfactorily for two years or more until a couple of months ago when I wrote and asked for a new payment book. When nothing arrived, I wrote again and also made two further requests via their website, e mailing them to express concern at their lack of response. Still nothing arrived until we received a visit from a debt collector who was extremely unpleasant and unprofessional, being sarcastic about people who don't pay bills etc etc.

 

I wrote and sent the letter recorded delivery pointing out that I hadn't avoided the debt, Moorcroft had failed to act on requests for a means of payment and that I was not prepared to make payments through a doorstep arrangement and could I please just have a book so that I could carry on paying, or a standing order mandate as I didn't wish to get behind with payments. Finally on 28th December we received a payment book and a letter (dated 9th December!) "confirming that we are prepared to accept your offer of £40 per month.....this arrangement subject to periodic review and may be terminated at any time by us". The letter continued to say that should we fail to keep the agreement then legal proceedings would commence without further reference for the full amount outstanding.

 

I am just in the process of composing a letter denying having made an offer of £40 per month and sending a payment for the amount that we did agree. Is there anything which I can do to stop Moorcroft increasing my 'agreed' repayments and thereby taking me to court for non-payment? This all seems very underhand as it is not my fault that they have not sent me a payment book on four occasions then claim that I am in default? To cap it all my wife has phoned me at work to say that another letter has arrived saying that as I haven't paid in accordance with their letter of 9th January then they will be taking legal action unless we make payment of £80 immediately!

 

On a separate but related matter one of the other debts was to Bank of Scotland whom we have been paying for 8 years without missing a payment, but they have now passed the debt to Moorcroft as they have 'had a clearout'. The amount owing looked higher than I thought it should but BOS are unable to provide me with a statement of payments made and amounts owed. The first we knew of the change was when Moorcroft wrote to us asking for contact to make a payment arrangement, so I went via the website and asked for a payment book to maintain our payments at the amount set by the Court originally. No acknowledgement and no payment book so far and it is almost 2 months since Moorcroft wrote to us.

 

Sorry for the long post but is anybody able to advise on what I should be doing?

 

And I haven't even started on Britannia Music yet :evil:


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Finally on 28th December we received a payment book and a letter (dated 9th December!) "confirming that we are prepared to accept your offer of £40 per month.....this arrangement subject to periodic review and may be terminated at any time by us". The letter continued to say that should we fail to keep the agreement then legal proceedings would commence without further reference for the full amount outstanding.

 

I am just in the process of composing a letter denying having made an offer of £40 per month and sending a payment for the amount that we did agree. Is there anything which I can do to stop Moorcroft increasing my 'agreed' repayments and thereby taking me to court for non-payment? This all seems very underhand as it is not my fault that they have not sent me a payment book on four occasions then claim that I am in default? To cap it all my wife has phoned me at work to say that another letter has arrived saying that as I haven't paid in accordance with their letter of 9th January then they will be taking legal action unless we make payment of £80 immediately!

 

On a separate but related matter one of the other debts was to Bank of Scotland whom we have been paying for 8 years without missing a payment, but they have now passed the debt to Moorcroft as they have 'had a clearout'. The amount owing looked higher than I thought it should but BOS are unable to provide me with a statement of payments made and amounts owed. The first we knew of the change was when Moorcroft wrote to us asking for contact to make a payment arrangement, so I went via the website and asked for a payment book to maintain our payments at the amount set by the Court originally. No acknowledgement and no payment book so far and it is almost 2 months since Moorcroft wrote to us.

 

Sorry for the long post but is anybody able to advise on what I should be doing?

 

And I haven't even started on Britannia Music yet :evil:

 

 

Hi there,

 

Do not worry about Moorcroft at all. They have purely increased the payment to 'test the water' so to speak and see if you will pay. I would call them ( not very good at responding to post or emails) State you have not agreed to increase the payments and that you wish to offer £XX pm ( any figure you wish but preferably above £3pm. Confirm to them this is all you can pay and that you will forward them a financial statement to support this .

 

All you then need to do is send in a financial statement to them and confirm the offer of payment. If you say 'I will pay the first payment by switch today over the phone' even if its £5 they will want to take it as it counts for that indivduals ' figures' and they will also change your agreement there and then as they want to ensure that your payment shows on their stats!.

 

Its all about bonus with people there. They get bonus on 1)amount of switch payments i.e how many switch payments not amount 2 ) how many INCREASED offers they have managed to get out of an individual ( you will often find they try and increase your payments by £10 pm or a min of £5pm to get good figures. 3) they will also tell you, you have to pay up in 2 weeks as anything over that does NOT go on their stats.

 

Them Stating "another letter has arrived saying that as I haven't paid in accordance with their letter of 9th January then they will be taking legal action unless we make payment of £80 immediately!" Is RUBBISH. :shock: Basically if you cant pay it, You can't pay it.

 

When you do call

1) Do confirm your basics etc to them so they can speak to about the account.

2) Do not give out any phone numbers and dial using 141 as they will take your number if you dont. ;)

3) Do Not confirm if you are a homeowner or Employed as they will ask you this.;)

4) They will say pretty much straight away after confirming you details ' So your calling re XXXX account with an outstanding balance of £XXX .We will require full payment today to prevent any possible legal action.' This is a ploy to scare you...ignore them. If they say You WILL be taken to court ask to speak to a manager immediatley as they cannot threaten you with this, They are only allowed to say 'POSSIBLE' legal action etc

 

Any thing else just ask but all in all you just make an offer and send in a financial statement that shows this is all you can afford and they have to accept it.

 

If I have been helpful just click the scales to the left hand side...and Good luck :lol::D

  • Haha 5

Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Thanks for the help Maxibon.....it has reassured me a little but I wonder how Moorcroft can get away with such blatant untruths as claiming that an individual has madean increased offer but hasn't?

 

The letter received today reads as follows:-

 

Our records show that you have defaulted on your arrangement to send us an immediate payment of £40 followed by minimum payments of £40 per month with the result that you are in arrears for the sum of £40.

 

Unless payment of this account is received by return of post we may instruct our solicitors to commence legal proceedings against you without further notice.

 

Payment must be attached to this letter and made payable to Moorcroft Debt Recovery Ltd.

 

The natural concern was that Moorcroft would take this through a legal process to seek an Attachment order or similar. Barclays did the same to me for being late with one payment and caused a great deal of embarrassment at work as I am a Manager! At least from what you say this is a scare tactic more than something which they would be able to do. I can prove that I have sent requests for payment books etc. I know that the debts are my responsibility but I worry that getting in a mess with those which are still outstanding could undo several years of pain and hardship in trying to get back on our feet after the problems which led to them piling up in the first place.


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No problem for the help. I used to work there and my sister still does! Crazy Girl!... :confused:

 

I was only there for 3 months as I hated their scare tactics and the way you had to badger people for money. I do customer service not Customer Scaring so left!!:o

 

Give them a call and demand it be reduced, If you say you are sending in a financial statement they will await for that to arrive so ask for them to put it on hold for 2 weeks to give you a chance to send it in. Tell them to update their system and add notes to state 'awaiting financial statement' and also ask them to enter the offer onto the system as £XX per month and they will do so.

 

If they are being awkward just ask to speak to Dawn McGuire as she is the manager or any manager for that matter and explain you did not agree to the increase etc to them. :D By the way they are open till 9pm

 

Let me know how it goes if you really struggle maybe I could speak to an insider for you!!

  • Haha 2

Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Once again - thanks. I will hold the budget planner in reserve for now. Have had a lot going on at work for a couple of days and have not been able to phone so sent a letter denying having made any agreement to increase payments and have include the amount which I have always paid. I don't actually dispute what I pay now but can't agree to doubling that amount as they suggest.

 

The other debt which has been passed to Moorcroft now seems to be moving as I have received the statement which I requested from the creditor. It seems in order and with no charges added so I will carry on paying at the amount agreed under the CCJ.


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I will get this moved over to the debt/bailiffs forum for you.


Ex CAG helper ^_^

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Yes I will do that now.

The preliminary questions appear to have been answered.

Good to see we have some insider info here too.

Well answered !;)


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I think the advice is sound but I would be extremely wary of giving a DCA any credit or debit card details. It's not unknown for additional payments to be taken over and above the one you agreed. It's far better to make payments by standing order (not direct debit).

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I entirely agree and would never agree to either a debit card payment or direct debit. Where it has been appropriate I have asked for the relevant details and set up a standing order. Don't trust DCAs and don't trust banks!


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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Thank you for the compliments its much appreciated.

 

The only reason I suggest credit debit card is that the telephone monkey at the other end will update your file immediately to show paid £5 by card and then the next payment will automatically not be due for another month. They wont swindle any more as all calls are recorded and they have to give you the Authorisation code if you want it which will link to your bank statement and show how much taken.

 

I understand the concern but they were good with this aspect of the job even if that was ALL they were good at!! :D

 

xx


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Thank you for the compliments its much appreciated.

 

The only reason I suggest credit debit card is that the telephone monkey at the other end will update your file immediately to show paid £5 by card and then the next payment will automatically not be due for another month. They wont swindle any more as all calls are recorded and they have to give you the Authorisation code if you want it which will link to your bank statement and show how much taken.

 

I understand the concern but they were good with this aspect of the job even if that was ALL they were good at!! :D

 

xx

 

I can see why you're saying that and I think you're probably right about Moorcrof. They are what passes for respectable in the British debt collection sector but that really doesn't mean a lot!!

 

However, I don't think any DCA should be trusted with these details. It is putting temptation their way and exposing your personal financial data unnecessarily.

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They are what passes for respectable in the British debt collection sector but that really doesn't mean a lot!!

 

 

:shock:

 

I wouldnt say that too easily!! I heard many a time people saying to 'debtors' ( their words not mine!) 'yeah ...we are gonna take you to court on the 18th if you dont pay' when actually we had only intended to send them another awful letter..and people telling customer to shut up or they would send someone round to their house!! Clearly breaching their ISO license.

 

My manager who sat next to me spoke quietly and i soon disovered why when I heard him saying..' come down to the office then and we can have it out I know where you live and your phone number now anyway'!!!!!! :shock:

 

I took a lot of crap from people though calling me an F'ing this and that, Opening the post in the morning to find Dog Poo is when you really know a job just isnt worth it. If everybody was as civilised as they are on this forum with dealing with debts then i am sure the collectors would be more polite and helpful! Tis the way of the world though....


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Just got home from shopping to find an answerphone message to say that Moorcroft called.......on a Sunday?

 

I guess they must have received my letter but I won't deal with financial matters other than in writing so will await a written acknowledgement so may be waiting a while longer.


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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If I have been helpful in any way - please feel free to click on the STAR to the left!

 

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I expect this is someone just chasing you still for the debt as any work on a sunday was outbound calling you did as overtime.

 

It wont be a response to your letter as yet unfortunately. :(


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Any luck Sidewinder? :razz:


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Any luck Sidewinder? :razz:

 

No response to my letter as yet! A couple more phone calls but nobody has been here to answer at the time. I don't hold out much hope for a written response as it took them several months to send me a payment book and they never did respond to my complaint regarding the lack of response to e mails and previous letters. It is also too early to see whether the cheque which I sent for the originally agreed £20 payment has been cashed.

 

Going back to my inital post, I had a CCJ issued for a BOS card about 9 years ago which has been paid without fail at a rate of £10 a month. I offered this amount and it was accepted as I had disagreed with the amount I owed.....I went overlimit on a card (£1000 limit) and over a period of a few months I incurred about £500 in charges - my monthly payment started to not get me back below the limit and the net debt was increasing each month by the time that the charge went on for the overlimit - you know the sort of thing. Anyway, in those days one couldn't reject the charges or do anything about it and I defaulted and was taken to court.

 

A couple of months ago, BOS transferred the debt to Moorcroft as part of a review of long standing debts which weren't decreasing quickly enough (I don't know whether it was sold on or whether Moorcroft are just collecting) so I asked for a statement as I thought the balance still a bit high and wanted to make sure that nothing had been added. After BOS told me that this couldn't be provided I requested the same from Moorcroft and out of the blue it turned up yesterday showing the opening balance from the CCJ and a full history of payments made. There was also a letter saying that they ouldn't take any further action until 14th January to allow me to make a proposal for repayment. I guess I can't do an awful lot as I should have been making payments for such a long time and have acknowledged the debt, but I am not really in a position to increase what I am paying at present.

 

Any suggestions as to the best course of action? Am I best off sending the payment agreed under the CCJ and maintaining that with income/expenditure details provided if neccessary, or are Moorcroft able to do anything to force a review? I know that I can't claim time barring because of the Judgement and the fact that I have made ongoing payments against the debt but I am loathed to do too anything else owing to the way that the debt was incurred in the first place even after all these years.


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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I would write back to Moorcroft and send them a copy of this and ask them to read it... taken from the OFT guidelines on Debt Collection.

Inform them that their actions are causing you severe stress, and panic, lay it on real thick,

 

Physical/psychological harassment

2.5 Putting undue pressure on debtors or third parties, e.g. relatives, is considered

to be oppressive

Examples of unfair practices are as follows:

a. contacting debtors at unreasonable times and at unreasonable intervals.

b. pressurising debtors to sell property or to raise funds by further

borrowing

c. pressurising debtors by using more than one debt collection business,

either one after another or at the same time, resulting in repetitive and/or

frequent contact by different parties

 

d. pressurising debtors to pay in full, in unreasonably large instalments, or

to increase payments when they are unable to do so

 

This is the one that applies to you

 

Tell you cannot afford to pay any more and that if they continue in the manner they have done you will take action under the Protection from Harassment Act 1997

 

Sparkie1723:)

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Thanks for that piece of advice - I will reserve it for now and see if they try to contact me again to increase the monthly payment after they have had time to respond to my written reply to the last one. I do feel that they have already breached some sort of protocol by sending me (now two!) payment books for the first account which I am paying through Moorcroft with the statement at the front that the 'Agreed' amount due each month is £40 when I have only ever agreed to £20.

 

Specifically with regard to the second account, can anybody suggest the best course of action to take. Moorcroft have sent me statements of amounts paid directly to BOS over the last 9 years and no charges have been added. They have put the account on hold until this week to allow me time to make a payment arrangement. The question is whether I just offer to maintain the £10 a month that I was paying direct and whether Moorcroft will have to accept this?

 

Comments appreciated.


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Hello again!

 

You appear to at least be getting a reponse re your BOS account so that SOME progress! Good to hear :)

 

Can I just clarify is this a CCJ account or none CCJ?... as if its NOT you can do the below, if it IS.. its a different story as you have to apply to the court to amend your monthly payments etc ( You can ring Northampton County court and explain this and they will send the relevant forms...):rolleyes:

 

With regards to making a payment arrangement that is of course up to you as to how much you can afford. However much you offer though just ensure you send a financial statement to back this up and prove this is all you can afford.

 

They will then accept your offer.


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Hello again!

 

You appear to at least be getting a reponse re your BOS account so that SOME progress! Good to hear :)

 

Can I just clarify is this a CCJ account or none CCJ?... as if its NOT you can do the below, if it IS.. its a different story as you have to apply to the court to amend your monthly payments etc ( You can ring Northampton County court and explain this and they will send the relevant forms...):rolleyes:

 

With regards to making a payment arrangement that is of course up to you as to how much you can afford. However much you offer though just ensure you send a financial statement to back this up and prove this is all you can afford.

 

They will then accept your offer.

 

Thanks Maxibon - to clarify, it was a CCJ from around 10 years ago (£1000 limit, overlimit by around £100 then CCJ issued for around £1800 with the addition of charges and fees). I never disputed it and have paid at the amount agreed by the court (£10) every month on the nail.

 

I am not looking to vary the payments neccessarily, just wondering whether the same rules apply to Moorcroft as they do to me, ie can the payment amount be queried? If I write and offer the same £10 a month as I have been paying have Moorcroft any grounds to argue for a higher amount? I can send the budget planner but is this neccessary?


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You see, there is a difference with CCJ's than there is to debts without CCJ's. Moorcroft cannot amend the amounts without the courts first agreeing to this. I cannot remember the name of the form for the life of me!! ( it begins with an 'E' is all that comes to mind) and that Northampton CC will send you one, once you complete this and send it back your new payment arrangement will be set.

 

Moorcroft have no right to demand any higher than you agree and can afford.

 

It may be worth calling Moorcroft on this occasion and speaking to the courts team as they do know their stuff and are quite helpful unlike the call centre staff!! They can clarify when you need to take action by etc...

 

I hope this helps...for some reason I thought this was a NON CCJ case!


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Meant to add that I don't object to the budget planner but on past experience items on it can be queried as justification for an agreement being made for a higher amount to be paid each month and juggling stuff around is tricky enough as it is! At least one of the CCJs I picked up arose from having been persuaded to pay more than I wanted to on a debt and then found out later I couldn't keep it up.

 

I have spent 10 years or so gradually getting things straight and my credit file is clean now for the first time since (although there is still one CCJ in my wife's name) and don't want to start having to argue with creditors again.


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Just read your reply and I think you have answered what I wanted to know. I will get onto it on Monday - thanks.


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I don't object to the budget planner but on past experience items on it can be queried as justification for an agreement being made for a higher amount to be paid each month and juggling stuff around is tricky enough as it is!

 

Do you mean that your financial statement did show you had more spare then you were offering to pay and that they said you could AFFORD more based on this?

If so I would suggest you include all costs outgoing and show the remaining amount as the amount you wish to pay ....Include EVERYTHING..I saw many statements with 'holiday money -£200pm' on them which is going a bit far but I am sure you get my drift!.


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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