Moorcroft requesting hand signed cca request HFC debt

[toshyboy]

Hi

 

I started getting chased by Moorcroft in relation to a HFC and subsequently sent off a CCA request.

 

Had it ( and my fee) returned today along with a covering letter

stating under instruction from their client

all credit agreement requests must be hand signed,

and have asked me to resend with a signature.

 

Obviously sets alarms bells ringing,

but thought I'd come on here to advise and see if anyone has come across this type of thing

before and possibly offer me advice on next step?

 

Thanks

[fkofilee]

What? No... There is no jurisdiction to have it "Hand Signed"

 

Sounds like bull to me. I'd send a response back saying you are not required to hand sign it. HFC were bad at keeping records... Ask DX100...

 

Anyway while we have no proof, my view is giving them ir handsigned makes them more likely to lift the signature!

[dx100uk]

who moorcrap client

is this on your credit file?

 

dx

[fkofilee]

DX it's HFC

[toshyboy]

who moorcrap client

is this on your credit file?

 

dx

 

Its HFC Bank (beneficial finance loan)

 

Just had a check and nothing on my file

[toshyboy]

What? No... There is no jurisdiction to have it "Hand Signed"

 

Sounds like bull to me. I'd send a response back saying you are not required to hand sign it. HFC were bad at keeping records... Ask DX100...

 

Anyway while we have no proof, my view is giving them ir handsigned makes them more likely to lift the signature!

Thats my concern them lifting the signature. The letter says it is required under instruction of the their client, and to ensure my data remains "protected"

[dx100uk]

there is NO LEGAL REQUIREMENT

to sign a CCA

 

if this is off your vile its been defaulted more than 6yrs

 

when did you take it out

when did you last pay HFC or anyone anything

 

tel us the history please

dx

[toshyboy]

there is NO LEGAL REQUIREMENT

to sign a CCA

 

if this is off your vile its been defaulted more than 6yrs

 

when did you take it out

when did you last pay HFC or anyone anything

 

tel us the history please

dx

 

The loan was taken out about 8 years ago now.

 

Up until last year I was paying Capquest nominal monthly payment off the debt for about 2/3 years,

until they wrote to advise debt was going back to HFC

and started returning standing order payments.

Heard no more until I received the recent communications from Moorcroft.

[dx100uk]

what was it for

how much

 

have you got the agreement

 

ever reclaimed all the charges you have been levied

and all the PPI/insurances they made you purchase too?

 

dx

[Bandit127]

Create a signature box with Xs and sign over that.

 

Moving things on rather than standing on a principle gets my vote here.

[toshyboy]

what was it for

how much

 

have you got the agreement

 

ever reclaimed all the charges you have been levied

and all the PPI/insurances they made you purchase too?

 

dx

 

No I've not got the agreement

It was a personal loan. If memory serves me correct it was in the region of £2k.

Never made any claim - to be honest I've never had ppi on anything

[dx100uk]

was this your only dealing with the HFC group

 

don't forget they had many offshoots to hide money

beneficial/endeavour etc etc

 

an sar might serve you well here.

 

dx

[toshyboy]

was this your only dealing with the HFC group

 

don't forget they had many offshoots to hide money

beneficial/endeavour etc etc

 

an sar might serve you well here.

 

dx

 

Hi - yeah this is the only dealing. It was a beneficial finance loan

[dx100uk]

and you got away with no ppi blimey

 

dx