***need Advice On Moorcroft Debt Recovery***

[Zelda1]

I recently started a payment-plan with Moorcroft regarding a debt with Fashion World. I agreed to pay £6.45 per month, after advice I received from Payplan. Moorcroft accepted this and sent me a payment book, which also states, £6.45 per month.

Today I received a letter saying that I have defaulted on my agreement to pay £20.00 per MONTH (their capitalisation, not mine) and that I am now in arrears of £13.55. So obviously they have received the payment of £6.45. This was also the second payment I've made and there was no problems with the first one.

Also, I cant remember signing any credit agreement with this company, obviously I remember setting it up online, but I never got round to sending it back to them? Any advice will be greatly helped.

[dx100uk]

CCA them.

 

dx

[Zelda1]

Sorry, Im new to this, what does that mean?

[count orlok]

What proof have moorcroft provided that you owe then anything. Moorcroft have been on my case half a dozen times but have never been able to prove i owe them anything so they have never had anything from me.

[Zelda1]

Well this is the thing, after advice from payplan, i sent a letter out to all my creditors, saying I would pay them £6.45 per month. So i guess that means Ive acknowledged the debt.

The interesting thing on this letter though is..

"Unless payment of this amount is received by return of post we may recommend to our clients that they instruct their solicitors to commence legal proceedings against you without further notice"

 

This makes me wonder who actually owns the debt.

[dx100uk]

matters not they still must have valid CCA

 

look in the templates library or use our search of the blue bar above

 

do some reading up so's you know the process too.

 

if you type in moorcroft. you'll see they are bottom feeders and rarely have the paperwork.

 

fleecers of the top degree.

 

dx

[MARTIN3030]

Sorry, Im new to this, what does that mean?

 

Send a request under the consumer credit act with a £1 postal order.

 

You should request a copy of your original agreement that the account refers to.

Ask also for a copy of any notice of assignment which will demonstrate their entitlement to chase payments.

A statement of account including any interest or added fees.

 

From what you say,they are also in breach of Office of Fair Trading guidelines on debt collection,by demanding higher payments than youi can afford,or which have previously been agreed.

 

They are also in breach of CSA codes of practice,which as a member they are expected to be upholding.

 

Have a look in the CAG library for a letter to send them.

Keep a copy and send recorded-DO NOT DEAL by phone.

 

 

The fact that you have agreed to a repayment plan,does not mean that you have no way of changing your mind.

 

If information becomes available,that would not have prompted you to agree to a repayment plan,had you been aware of that information earlier,then this creates a different scenario.

[Zelda1]

thank you very much. i will look now and send tomorrow, see what i can do.

[Pinky69]

CCA request letter.

 

They have 12(+2 for admin) to send you a copy of the agreement. Enclose a £1 postal order. Send by recorded delivery and print, don't sign, your name.If they don't send a copy in the time limit, they are then in default of your request and you can put the account into dispute. They then must put it on hold until they find a copy.

 

Saying you agreed to pay £20 is one of Moorcrofts stupid ploys - and Moorcroft are very stupid - so ignore that.

[Zelda1]

Thank you for the information Pinky. I have printed a copy of the letter and will send first thing tomorrow