moorcroft court threat over BT debt

[JOSH_IOU]

Claimant : British Telecom

 

 

I have received the below letter from these Moorcroft people.

 

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NOTICE OF INTENDED LITIGATION

To Prevent the above action send payment in full before **/**/** or telephone **** *** **** immediately.

If you do not respond to this letter we will assume you are purposely avoiding repayment of this debt and will take necessary steps to secure settlement which may include issuing legal action against you. Please not if legal action is necessary your debt will increase as follows

Current balance :

Solicitors costs for issue of court Claim Form:

Court fee For issue of claim form:

Solicitors costs for Entering Judgment (by default):

Total Debt if Judgment is obtained.:

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I have received a number of these letters from this company and they just keep increasing the total debt.

I have also received a letter from another company claiming to be acting for the same claimant. They have also upped the costs.

How can i stop them chaseing me can I assume they don't have a copy of the credit agreement?:idea:

Jamesrap

[maxibon]

Have they actually increased the debt or just stated on the letter 'if you go to court this is what it would cost ( scare tactic). These are there standard letters its one of 4 types they generally issue out to get you to call!.

 

You could go down the route of requesting the CCA and see if they can send you a copy ( I would check whether this applies with it being BT though??) or if you are willing to make payments just send in an offer with a financial statement to back up your offer.

 

If you want to you could issue them a letter to state you only want to deal via post. This link is useful for letter templates and financial statements

 

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

If you send in an offer with a financial statement of over £3pm they will have to accept it and accept payments from you. If it is below £3pm they will send it back to your original creditor.

 

With regards to another DCA dealing with, they will both tell you to pay them as they want their fee. I would check with your original creditor who exactly is dealing with. You may not have to do this though if you decide to go down the CCA request route (and if this is applicable to BT,) as they may not be able to provide this and its then unenforceable anyway.

 

On another note if you want to clear the debt they can offer a settlement figure of usually down to 50%-60% of the amount owing. Just keep saying its not good enough and they will keep dropping it. Each customer agrees to do a discount to clear it, make sure you get a letter confirming this has been settled in full if you do pay it off.

 

Hope this helps, But I wouldnt worry about moorcroft....they dont have a clue what they are doing!!!..

[JOSH_IOU]

Yes they have actually increased the debt.

 

I am not disputing that the debt exists.

 

Its there because I lost my job.

 

I'd love to have My BT line back so i don't have to keep using my dad's connection all the time.

 

Just on the topic of my dad they are sending letter's with my surname only. Is this a breach of data protection rights ? If so how can i enforce this and could I take the debt recovery folks to court for this breach?