PLEASE HELP!!! Moorcroft

[DreamX]

Hi,

 

Please help I am very stuck!!! About a year and a half ago i defaulted with t-mobile. They referred me over to moorcroft debt recovery and I paid off the debt in 3 months. Now recently when i applied for credit I was refused so i took at look at my credit report and found that it still says i owe t-mobile £250!!! Now as I dont have the moorcroft reference number anymore as it was a good while ago, moorcroft explained there is no way of finding me without it? now even if i do sort it out due to moorcroft not passing the money on to t-mobile it will still show on my credit record that i have not paid it for 1 and a half years? Is there anything legally i can do about this?

 

Please help

 

Many thanks

[pmhcfc]

Hi,

 

Please help I am very stuck!!! About a year and a half ago i defaulted with t-mobile. They referred me over to moorcroft debt recovery and I paid off the debt in 3 months. Now recently when i applied for credit I was refused so i took at look at my credit report and found that it still says i owe t-mobile £250!!! Now as I dont have the moorcroft reference number anymore as it was a good while ago, moorcroft explained there is no way of finding me without it? now even if i do sort it out due to moorcroft not passing the money on to t-mobile it will still show on my credit record that i have not paid it for 1 and a half years? Is there anything legally i can do about this?

 

Please help

 

Many thanks

bump

[saxon]

Hello, is there a referance on your credit file for it?

if not get in touch with T-Mobile and ask what their reference number was, and go from there, Moorcroft will be able to find you, they just won't want to bother, so when you find this info out, do a data protection request on them.

 

Good luck, for what it's worth I found moorcroft don't care, once they have your money.

[DreamX]

Hello, is there a referance on your credit file for it?

if not get in touch with T-Mobile and ask what their reference number was, and go from there, Moorcroft will be able to find you, they just won't want to bother, so when you find this info out, do a data protection request on them.

 

Good luck, for what it's worth I found moorcroft don't care, once they have your money.

 

Hi, thanks for the reply.

They managed to find me after another 10 minute call of arguements! Anyway, they said i have paid up along time ago and are going to send me a settlement certificate. But as far as t-mobile are concerned, they have never recieved the money from moorcroft? The main problem is that this has been on my file all these years without me knowing and has effected my credit rating badly as I have found out the hard way. Is there anything i can do in terms of claiming against them for this?

 

Thanks

[saxon]

Hello, make sure you hound moorcroft til you get this letter, then copy it and send it to t-mobile. you can ask them to remove the default as you have paid the account a long time ago, they may or may not do this all you can do is ask.

 

As for them not recieving any funds from moorcroft, t-mobile need to take that up with them.

 

Someone else with more knowledge may offer alternitive advice or how to proceed if t-mobile aren't playing nice with you.

 

Again good luck.

[PriorityOne]

Sounds like Moorcroft bought the debt, which means it would have had nothing to do with t-mobile from that moent one.... and they kept the money for themselves.

 

Once you have the settlement certificate from T-mobile, come back on here for advice on how to approach Moorcroft.

[p4nd0rasb0x]

Is is actually legal to buy a debt ? - I have a catalogue debt that has been 'sold' (by their admittance) to Moorcroft who are continually hassling me. Surely my debt is with the catalogue and not a collection agent. !

[p4nd0rasb0x]

Sounds like Moorcroft bought the debt, which means it would have had nothing to do with t-mobile from that moent one.... and they kept the money for themselves.

 

Once you have the settlement certificate from T-mobile, come back on here for advice on how to approach Moorcroft.

 

 

If thats the case (collectors buying the debt) then why when they introduce themselves do they say (i.e) Moorcroft on behalf of 'whoever' ??

[PriorityOne]

If thats the case (collectors buying the debt) then why when they introduce themselves do they say (i.e) Moorcroft on behalf of 'whoever' ??

 

Who knows.. ? I know for a fact that Moorcroft have bought one of mine because it says so in the SAR info from the OC.... yet they are continually telling me that they are going back to their client for this and for that....

 

As for a catalogue debt... CCA Moorcroft (rec. delivery). It is highly unlikely that they will have it because most catalogues don't issue them in the first place. This makes the debt unenforceable in court.

 

[p4nd0rasb0x]

Thanks.. I intend writing to them today regarding the CCA. If in the meantime they call again i'll just tell them i wont discuss it further until ive received the requested info.

[ScarletPimpernel]

OFT Guidelines would seem to cover Moorcroft's 'on behalf of' when in fact they own the debt:

 

Para 2.2© those contacting debtors not making it clear who they are, who they work for, what their role is, what the purpose of the contact is

 

Then again, they employ utter cretins, so it's most likely to be simple stupidity and poor business practice on their part rather than a deliberate attempt to mislead.

[Guest Mincemeat]

There are two types of purchase of debt. One where the DCA buys everything, the other where the DCA buys it, but if they are unsuccessful, they can give it back. They also can just work for the original creditor.

 

You are never actually going to find out the status of this relationship until you get a judge to order disclosure.

[p4nd0rasb0x]

OFT Guidelines would seem to cover Moorcroft's 'on behalf of' when in fact they own the debt:

 

 

 

Then again, they employ utter cretins, so it's most likely to be simple stupidity and poor business practice on their part rather than a deliberate attempt to mislead.

 

 

You are right about them being cretins,. i was once informed (by a potential bailiff) that he wrote off someones debts by sleeping with them !! :o

Any possibility of a link to the OFT section youve quoted ? Thanks

[p4nd0rasb0x]

Today I have received in the post a letter from Moorcroft (Pre court division)

Titled. '' Notice of Intended Litigation'

To prevent the above action send payment in full before 26/5/07 or telephone.......immediately.

If you do not respond to this we will assume you are purposedly avoiding repayment ofd this debt and will take the necessary steps to secure settlement which may include issuing legal action against. Please note if legal action is necessarty your debt will increase as follows:- It then gives varying amounts for things such as court fees, solicitors costs etc.. totally £115 (on top of original debt)

I had called them 2 weels ago and was told that 'i had to' pay £30 a month, I explained that it was too much for someone on Job seekers allowance, they insisted that was the amount that they required.

Do I call them and say im in the process of obtaining a CCA from them (posted yesterday) or ignore the letter.

Thanks in advance for any reply.

[PriorityOne]

If you sent the CCA by rec. delivery... then check to see if it's been delivered. There is a no. on the back of the slip... which tends to be more reliable than the RM website.

 

If it's been received.... ignore their letter . They need to respond to your request within a legal timeframe and should be well aware of their responsibilities under CCA law. If the 12 working day default passes without them sending you an Agreement... then they can be reported to the OFT for a criminal offence if they continue to harrass/threaten you with legal action.... over an unsubstantiated debt.

 

[p4nd0rasb0x]

If you sent the CCA by rec. delivery... then check to see if it's been delivered. There is a no. on the back of the slip... which tends to be more reliable than the RM website.

 

If it's been received.... ignore their letter . They need to respond to your request within a legal timeframe and should be well aware of their responsibilities under CCA law. If the 12 working day default passes without them sending you an Agreement... then they can be reported to the OFT for a criminal offence if they continue to harrass/threaten you with legal action.... over an unsubstantiated debt.

 

 

Thanks for replying

I would imagine that the CCA request has crossed in the post with their letter me.. I think i'll wait a few days then check to see if the request has been received and then sit tight and wait and see what happens.

Im not disputing that I owe the amount, just that their ways and means of obtaining unreasonable payment from me is not justified... They want to play games, im all for it.. I can play too.

[Guest Mincemeat]

I've had a number of letters from their pre-court division over the years. Hang tough, things are not as desperate as they (obviously) try and make out. Wait for the CCA response (if any) and, as this is from a catalogue account, the chances are you'll get your cheque / PO back from them stating it has been passed back to their client.

[p4nd0rasb0x]

I've had a number of letters from their pre-court division over the years. Hang tough, things are not as desperate as they (obviously) try and make out. Wait for the CCA response (if any) and, as this is from a catalogue account, the chances are you'll get your cheque / PO back from them stating it has been passed back to their client.

 

 

According to Moorcroft this has already been referred to court in January. I had previously agreed to pay the catalogue £5 a week (was made unemployed shortly before hence the repayments) and defaulted on it.

Moorcroft also told me id filled in one of there expenditure forms and sent it back (dont rcall doing this) and theyd agreed to £5 a month again, which i dont remember either (old age maybe?) Anyway, have come to yet another agreement with them to pay the £20 arrears and then £5 a month thereafter. I guess its got to be paid one way or another.

[itsamomentintime]

bit of advice

 

catalogue debts are largely unenforceable, as you are not required to sign a CCA before you buy from them

 

there is no way that moorcroft will comply with your CCA request, as the document you have requested does not exist

[p4nd0rasb0x]

bit of advice

 

catalogue debts are largely unenforceable, as you are not required to sign a CCA before you buy from them

 

there is no way that moorcroft will comply with your CCA request, as the document you have requested does not exist

 

 

So does that mean i dont have to comply with their payment request, despite the fact that its been to court (they say) and they have accepted £5 monthly payments that I defaulted on. ?

[PriorityOne]

Have Moorcroft taken you to court for a CCJ on this debt ?

[p4nd0rasb0x]

Have Moorcroft taken you to court for a CCJ on this debt ?

 

 

According to them yes. I may have filled in one of those forms stating my outgoings etc but i truly dont remember just how official it was (could i request copies) ? the first i recall of moorcroft is them posting something thru the letterbox stating a rep had called. The debt is with Next catalogue, i called them earlier this week and they said the debt had been sold onto moorcroft but moorcroft say they are acting on behalf of next.

[mamatemi1]

This is typical Moocroft.Just ignore any communication from them wshich does not respond to your CCA request. You can write to them after they have been in default for 30 days telling them that you are suspending payment until they provide your CCA and ask a judge to enforce it.

[p4nd0rasb0x]

This is typical Moocroft.Just ignore any communication from them wshich does not respond to your CCA request. You can write to them after they have been in default for 30 days telling them that you are suspending payment until they provide your CCA and ask a judge to enforce it.

 

 

Even though (according to them) its been to court once already ?

[Guest Mincemeat]

I'd ask for them to put the fact it has been in court to the test by providing the reference number you can check on-line. Also, as you are unaware of any court action, you will be petitioning to the court for a set aside. If they did have a court order the bailifs would have been round about two months ago.