So even if moorcroft have been running the debt I should send a payment to Barclaycard? Will they not tell me to deal with there dca as they no longer have the debt, I'm unsure wether they have purchased it or are they the in house collector? Should I make a re offer to Barclaycard or just send a cheque with the account number? Thanks again everyone!

I thinl i will send a cheque for what i can afford and pop a note in, if they want to take me to court for 1600 quid and they won't get anymore a month it will be an expensive exercise or would i get the costs added to the debt??

I don't have all the statements now, god knows where they are, will I have to sar them again? Part of me wants to just ignore them as I'm fed up with them to be honest, I had a doorstep visit for another debt that is in dispute , I phoned him back and told him and he was thoroughly nice and said if it comes up again he will not bother. I find they always get busy in weeks before Xmas, think its to try and spoil your time. I am also tempted to send them take me to court letter, and see what they do, have used it before with some success .

Thanks for advice guys, I should maybe just send my usual cheque for the normal amount, I have been kicking round the forums a while but I can't remember what charges I could claim for on a credit card account? Or shall I just ignore and see how far they will go??

Just a quick question, As the run upto xmas i find these leeches get busy to try and upset people no doubt! I had an egg credit card debt which i cca'd some time ago, they did produce what seemed a valid credit agreement. I have been making payments over the last few years and it got passed over to Barclaycard. I have been short so i havent paid the last 2 months, i was paying 19.74 but now they are asking for 75 a month and should contact them as they have been trying to visit my property which isn't true. I have checked my file and this debt is no longer on my file, now Barclaycard have it would it be enforceable in court with it not being on my file? And would egg have passed on the paper work?? Moorcroft are collecting for Barclaycard, i owe 1600 quid . Many thanks. Olliepup

We don't have the agreement and the loan is now finished. She did re finance the loan and changed the term so i pressume they must of re done the PPI. She didn't get any rebabte back as such as in no repayment or deduction off new loan but once the loan was up and running for a few months we cancelled the PPI. So i think they have followed it back and most of the offer is interest etc which amounts to 1800 quid on one loan and 540 quid off the other. The loan with the 1800 quid offer is the one which has the several thousand off due to rebate, so they must charge up front for PPI and as we cancelled never actually paid the full amount? We just sent a standard PPI reclaim letter as we didn't know which loan had PPI or not and originally they said we didn't. Maybe we should just be happy with what we are getting?? Thanks

Hi folks, I'm enquiring on behalf of my wife, we wrote to egg 6 months ago and they said we had no PPI. We were going through some statements and found that there was PPI and wrote again. It seems that Canada Square Operations are looking after this now and acknowledged that PPI was taken out. The thing is she did cancel the PPI before the end of the PPI term. The offer has come as follows. Total PPI premiums which you have paid £xxxx PLus interest on premiums paid £ xxxx Plus 8% interest £xxxx Sub total £xxxx The Sub total is quite a healthy sum but the next line reads as follows Less any previous rebate paid £xxxx Now this reduces the total by quite alot, the thing is she has received any previous rebates or had any money back when she re structured the loan a few years back. Is it the case of the total premiums paid is the total amount of the policy if you were to full fill the whole term of payments? And the said rebate was the amount left of unpaid payments as she cancelled it early and never did the full term. The offer that is left is quite good, is it worth trying to get the rebate back as it is worded ' premiums which you have paid' or is it just the case of how the policies work that i outlined above?? Also does anyone have a phone number to contact them as it seems strictly writing as i can't find a number anywhere. Many Thanks in advance. Olliepup.

The debt is prob 5 or 6 years old, i've been paying it for nearly 3 years, irwin mitchell sols are holding it, there is 600 quid outstanding on the debt but the offset for ppi premiums is about 1300 quid, so if they do offset they said i will get some back, sound ok? Only letters i get are statements from NW on the account.

Sorry as usual i was asking two questions in one, i have since phoned Natwest to confirm why i have only received interest payments on that claim and as you say the rest has been used to offset, good news is it will clear the debt and i should get some back! So with the new first direct claim it won't arouse them to start pursuing me again? it is off the file and prob 6 years old, so if they get a payment from the PPI it won't mean i have admitted liability by a payment going onto the account? And Bank Smart, are they just canvessing for business? Things could be looking up. Thanks.

Hi all, I recently made a PPI claim, on a old Natwest loan, the said the owed me XXXX number made up of interest and payments, up till now i have had interest paid but none of the payments? Since then i have been written to by 'Bank Smart' saying i took a loan with First Direct, which i did and it has insurance, i pressume they are canvassing for work and will charge me a princely sum for doing so? Thing is this was with First Direct and when i got into financial trouble i CCA'd them and they had no paperwork so they stopped pursuing and removed it from my credit file, this was sometime ago. If i go for a claim on this would i be re opening a can of worms? i think it would be statute barred now anyway. Any advice would be welcomed. Ollie pup

Hi, i have been in a similar position to you, as Bazooka said to me go quiet and don't bother contacting them. I have not contacted anyone for months, i get similar letters from various DCA's and then they go quiet again. Just sit tight and ignore. Olliepup

Cheers cat! Had the door step collection letter today, i'll just ignore but it gives the wife the jitters, but like you say if they thought they would secure in court they would by now!? Olliepup

Cheers dx your prob right, just looking for reasurrance really as i'd not heard of these so called solicitors and sometimes wobbles me when i see the word SOLICITORS, im sure there are many others like it. I better just man up

Hi again, Im sure im right thread, the original mint card debt, anyway Wescot are supposedly passing this over to Nelson Guest & Partners solicitors. Has anyone had any dealings? Are they in house? It says whilst wescot is still willing to consider realistic options for repayment based on my circumstances this matter cannot remain outstanding any longer. Unless full payment is made or plan agreed within 10 days firther recovery activity will be undertaken. Then suggests i could pay by credit card! as if i've got one of those! Phishing trip or are these lot realistic? Many thanks Olliepup

Right SILENT it is.... Cheers. Olliepup

Sorry i keep getting threads muddled, checked all my started threads and seemed to miss this one. So you reckon it's the way to go, just totally ignore them all until something serious comes through? Prob worth sending the don't contact me by phone letter if they start ringing as it does become a pain on a evening, so basically most the threats are just phishing trips!

Hi all, All has become more clear on this search, they have purchased a Argos card debt which has 837 quid outstanding. Received a letter today from Argos stating they have sold the debt to Lowell and within the same envelope was a letter from Lowell saying they have purchased said debt and said to pay them and if i don't Lowell will instruct there collections dept Lowell Debt Collection , is it some sort of riddle or are Argos tied in with Lowell? I CCA'd Argos ages back and no CCA was produced, this is the first contact i've had in a long time. Do you think i should wait for future contact then send them the Bemused letter as this account is in dispute. Lowell are now the owners on my credit file. Many thanks. Olliepup

Hi everyone, sent my first payment to Moorcroft since they took the debt over, took them ages to cash it, anyway i received another letter saying we acknowledge you made a payment but you need to contact our office within 48 hours or they will recommend their clients to goto court, they don't want it to come to that the letter states. I'm paying the same amount i paid Egg, so i shouldn't send a income and expenditure? I sent one to DLC regarding this debt and they accepted my offer. Maybe i should write saying i made an agreement with egg and sent them I/E and this is what i can afford, i don't wish to speak to any of their agents as i will be pressurised to pay more and only contact my in writing etc etc. What do you guys think?

Yes this does show on my file, should i go the CPUTR (sp) route or just say no valid CCA bog off and take my chances or make a Pro rata offer? What do you folks think?

Hi All! I have an outstanding Credit card debt which was originally a Mint/RBS debt. Once defaulted they started to pursue and i CCA'D them which they sent an application form back which i had signed but no true agreement, this was back in December 2010. Wescot wrote harrassing as usual and i sent them the Bemused letter as it's in serious dispute. They wrote back saying it's on hold while they investigate. Today i received a letter saying that RBS complied with my request back in Dec 2010 and if i want to CCA them to send another quid to an RBS address, they will put my account on hold for 14 days. Is there a letter to send wescot for this situation or should i just write and say this account is in dispute as they produced an application form not a true signed agreement and if wescot try to collect the debt i will report them to OFT etc?? Any advice would be welcomed. Olliepup

The loan i am paying to IM has about 2 k left or just under. The old mortgage debt was fully satisfied as the mortgage was settled, but was amazed to see it still on my file but being maintained as satisfied even when it was no longer active and i still got my current mortgage. I spoke to Credit expert and they removed the old mortgage. So total debt has been reduced from 31k total to about 6k on my file now with some final settlements and invalid CCA, mind i'm only paying the IM mitchell one which is around 2k and the egg banking which amounts to about 1800 quid, the others still havent produced CCA yet. So i wonder if IM would pursue about 2k through the courts?

Wonder if its worth challenging them on it? I.e stop paying and see what happens and state its not on my file so i dont owe it? They can't enter it on my file at this late stage? Cheers for input.

On the loan i have been paying it last two years regular, and had made token payments previous, that was to natwest but the last two years have been to Irwin Mitchell solicitors, They said it would be good to pay it as it's not on my file so i could get rid of the debt without harming my CRA. The loan has never ever been on my CRA as i've subsribed to Credit Expert as long as i've been having trouble to keep an eye on things, initially got it as my bank said there was a massive debt on my file, it was my old mortgage as well as my current one. I don't think the loan is SB as i have been paying it, puzzles me why it's never been on my file in the first place? I had a big loan with first direct, i CCA them and when they couldn't follow up my request they took it off my file straight away.

Hi Brig, The Natwest loan i had is about 5 years old but i have been paying it monthly, there is a loan agreement but this loan is not on the CRA. The natwest credit card has just turned 6 years old, no CCA so have only made one payment first month after default, but since turning 6 years old it has now been removed from CRA. Things is would a court make you pay a debt with an agreement even though its not on CRA file? Cheers olliepuip

Cheers for the info guys. Dx im prob confusing things, ive never paid the natwest one which is now SB and gone off file, but i have a natwest loan which had an agreement and was threatened with court but that account is not on CRA file. I have quite a few satifactory things on there now and the 2 biggest debts i had have been removed now.