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Credit Agreement request from Moorcroft Debt Recovery Ltd


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Got a letter from Moorcroft this morning, as follows:

 

Thank you for your request for a signed copy of the relevant agreement under the CCA. We will contact our client and request the relevant information and ask that it be provided as quickly as possible.

 

In the meantime however we believe that it may be of assistance to all parties if we also take this opportunity to ensure that any potential areas of dispute are addressed prior to any possible court action or further investigation. Please could you give an indication of the information you will be providing, when giving evidence to the court or providing information to the relevant statutory authorities in relation to the alleged subject matter of the account.

 

Please confirm whether, for example when making a statement of truth in connection with any court proceedings, you will be giving evidence as to whether or not you did not recive the goods/credit ordered.

 

Please could you provide this information by return. We believe that this is a simple request that will assist in ensuring that all possible areas of dispute are identified as quickly as possible and potential costs and delays kept to a minimum level.

 

When I first read this letter, I was quite alarmed but i'm thinking now that that was maybe their intention. By inferring at this stage that if I dispute the account its a given that it will end up in court might be a tactic to try to prevent me from disputing the debt??

 

Am I under any obligation to respond to this letter? If I don't respond, does the time limit for my CA request remain the same?

 

Thanks!

 

b8byd

This is just one of their STANDARD Letters. Its up to them to supply you with proof. Its not up to you to tell them how you will be contesting the alleged debt. Ignore it and let them breach the CCA. They know the law and are bluffing in the hope you will back down

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My 12 days were up on the 20th & I haven't heard a thing from anyone

 

What do I do Now?

Sit tight. They are in default. In One calendar month they will have committed a ciminal offence

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  • 2 weeks later...
Just to update you all, sent CCA request on 16 March 2007, reply received yesterday dated 26 March to say

 

"We can confirm that on this occasion we are unable to provide a copy of the signed credit agreement as requested. We are now closing this account and returning it to our client".

 

They also returned the postal order. Very quick to get rid of a "hot potato" me thinks.

 

 

glav:)

 

 

Can they ever.. Ha ha Moorcroft are so professional:rolleyes:

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  • 2 months later...

AIC are a particularly nasty bunch of cretins. Moorcrap were unable to get the CCA from Nat Worst so there probably isnt one. Immediatly CCA AIC. Write to Nt Worst asking them for details of the complaints procedure as they have passed on a disputed debt to a scummy DCA. Complain to Natwest.

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  • 3 weeks later...

Im with CB on this one. AIC are breaking all the rules with this one. If you feel in the mood for winding them up then ring them otherwise ignore them. You have made your position clear. There is no CCA so what are they going to use to get and attachment order on your wages, a charging order or seize your assets. It a computer generated threat letter. Next one will probablly be the ''we will instruct our doostep collection agent'' followed by '' we will make you bankrupt''

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Sound advice from Blades. The so called agreement may not be enforcable. Seems strange that it has appeared after such a delay. Contact AIC and put the matter into dispute whilst you check out the authenticity of the agreement. I wonder is D Brown any relation to P Brown who sends out cards tellinhg people he is visiting them every Tuesday

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Nothing will happen before Thursday. AIC cannot get a CCJ without going through a few procedures first. The worst that will happen is that they will harrass, threaten and bully you on the phone. Hang up or else refuse to answer their security questions

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Hi there, reading this thread with interest. Do you mind supplying the letter which you sent back to Moorcroft. Helping my sister with these idiots, they have sent a letter back saying they dont have the CCA but are taking her to court??! Waiting for letter tomorrow. Original Creditor is Argos, is it worth CCA them too?
Wonder how they intend proving the debt without a CCA. For the sake of £1 I would CCA Argos as well. As you stated Moorcroft are idiots.

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Righto, I'll get her to ignore the letter seeing as though they dont a copy and do a letter to Argos for her. Or should I still send something back to Moorcroft is so any advice what to put? Thx

I would be inclined to contact moorcroft and demand a copy of their Compaints Procedure, they are legally required to have one. Give them 14 days to produce it (send your letter recorded delivery). If the fail to comply then you can complain direct to the FOS.

 

The debt is unenforceable without a CCA. Can you scan the letter they sent you so we can see how many illegalities are on it.

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Wait until you scan the letter from Moorcrap in before sending that letter off. There may be other things in it that need addressing. BTW the correct spelling is MORONS:D .

 

I would write to them in the meantime asking for their complaints procedure. A complaint to Moorcrap strenghthens your case when reporting to Regulatory bodies and has the added advantage that they cannot deny certain things when you make an official complaint.

 

How much is the alleged debt for

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When you write to ask for their complaints procedure.... ask for their Consumer Credit Licence number as well. There is some doubt as to whether they even have one....
Oh dear now i have visions of cats and pigeons:D

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They have NO LEGAL RIGHT to visit your property anymore than the man in the street. If they do you can TELL them to leave. If they refuse to leave telephone your local police and report a breach of the peace.

 

Some of the CCA experts will be along soon and will check the validity of the agreement.

 

Contact AIC in writing and inform them that you do not give them any permission to visit your premises. Inform them that anyone from their organisation who does will commit a Civil Trespass and they as a company will be jointly liable for the actions of their employee.

 

As the previous caller says it just a Scare Tactic. Show them you aint scared.

 

Dont be worried. Of course you should have CCAed them. Its your right.

 

SAR the original Creditor, you may discover illegal charges on the account which will reduce the balance if at the end of the day you do have to pay the monkeys

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  • 2 weeks later...

Check YOUR signature vry carefully. Is it the signature you would normally have used or could it possibly be cut and pasted from a recent letter you may have sent these very 'creative ' people. If D Brown was so certain they had a proper executed CCA they would be taking you to court. NEVER NEVER speak to these monkeys on the phone as they use a wide variety of tactics to bluff and intimidate you. Simply write back to them and tell them they have failed to produve a VALID CCA and as a consequence are now in default

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  • 3 weeks later...
I've decided not to respond to their letter at this stage. I've said all I need to say so they are well aware of my position; and they must know that if they pursue me for the debt now they will be commiting an offence.

 

Noteably, the DCA have not contacted me (yet!) - perhaps they know they can't and NatWest threats are empty?

 

Anyway, i'm going to hold off and see what happens...

 

simply send them the same letter with a cover

 

i refer you to my previous letter, the contents of which you seem to have ignored.

 

 

you could always be cheeky and INVITE them to take you to court, as you know its unenforceable anyway!

Dear Moorecrap

This matter is becoming tedious. I suggest you issue court proceedings forthwith.

I will be interested to see how a judge views your Vexatious Litigation of this unenforceable debt.

See you in Court and please cease and desist with the empty threats.

yours etc

  • Haha 1

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