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No CCA, but threatening home visit


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Hi all,

I need to know what step to take next against the lousy Moorcroft Group! I had a debt from Lloyds (a credit card). I applied for a consumer credit agreement when the debt was with BLS Collections, they ignored me and this debt has been passed to various collection agencies. Now Moorcroft have admitted that Lloyds are unable to provide me with a CCA as the debt is over 6 years old. I used to make payments on this until about 2 years ago to BLS. Moorcroft continue however to demand the money and keep phoning me. I ahve told them that I do not intend to make any payment and never admit to the debt. they are now threatening a house visit!

Is there a letter I can send them warning them that I will take action for harrassment? Who do I complain to? Should I make a payment proposal?

 

Pls help...many thanks!

Cap One refunded £112

MBNA refunded £567

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