Moorcroft Misery

[summer24]

Can anybody plase help im not sure what actions i need to take next....

 

I have an outstanding debt with moorcroft who are collecting on behalf of natwest, i sent them the CCA letter a few weeks ago recorded delivery they failed to acknowledge my letter and continued to call me everyday ( i obviously ignored these calls) i sent another letter about 4 weeks later advising that i do not aknowledge any debt to them without a true signed copy of the original cca. They then advised me that they do not have the copy neither to natwest.

 

Im unsure what i do now they still call me regularly, will they look to default thsi account or take me to court??????

[jamesbond]

hi..it seems highly unlikely that you have not been defaulted already..the proceedure is nwest tend to apply a default notice before it is passed to moorcroft.??? have you checked your credit file to see if this is the case?

have you any more details of the situation and i or others on here may be able to assist you further.

remember moorcroft will badger you to death if you let them, dont let them..

007

[rory32]

They then advised me that they do not have the copy neither to NatWest.

 

Without a copy of the agreement the debt is unenforceable. Have you complained about them yet?

[2Grumpy]

Have you sent the telephone harassment letter - in the templates

 

If not, send it but modify it to say that they have already acnowledged that they cannot legally collect this alleged debt

 

Grumpy

[PriorityOne]

Do not worry about Moorcroft. They have no CCA and are annoyed, that's all. I was in a similar position 9 months ago... which is when they had their last payment from me.

 

If/when they ring, just say "in writing only please" and hang up. They can't bully you if you don't let them.

[jamesbond]

in my experience it was better to just put the phone down after having them identify themselves..usually they say its mdr...any conversation with this mob is totally fruitless and justs helps them acheive their goal...upsetting you...just put the phone down....do not enter into conversation with them...007

[summer24]

Hi all thats for the brilliant replys.. all advice will be taken.

 

As far as i am aware the account did default when it was passed to moorcroft from natwest. I had a bank account with natwest with a overdraft of about £2000, which after investigating with the bank realised this was all made up from bank charges. I am in the process of reclaiming these bank, however due to the test case im in limbo at the moment until the outcome. Either way however moorcroft cannot provide a cca neither have they bother to reply to any of my letters. I will hang up on them when they do call and send a harrassment letter.

 

Thanks

Guys