Moorcroft and newday Aqua card default

[mooshy]

Hi

I'm finally going through my unpaid bills following a challenging development opportunity I stupidly took on this year at work.

Home and family have suffered as a consequence.

 No excuse I know but my bills just got left.

 

I had a credit card ( aqua ) which I thought id cancelled as no longer needed as credit history was very good.

 

 Id cancelled the direct debit as it was cleared but hadn't cancelled the card .

 I took it abroad, made a few purchases totalling just over £300 and totally forgot I didn't have a direct debit set up any more to pay the minimum until I sorted the rest.

I do this with everything else so I don't miss a payment.

 

 im going through all the letters and the debt was passed to Moorrcoft.

One letter says --- We recently sent you a default notice served under the xxxxx.

This letter is notice of our intention to register this notice on your account within 28 days .

 

I think they did ?

I went onto totally money and its says default.

 

I seriously cannot find a default notice

= I mean I would have and still would sort  this had I realised.

 

Pls don't judge its sounds feeble, but honestly Im working FT  and more, and have massive unsustainable other commitments and this is the mess I am in .

 

Apart from obviously pay this asap how can I confirm I really have a default and with no default received any way I can challenge this ?

TIA

[dx100uk]

Moorcroft don't buy debts

and a dca cant default you anyway

so it would have been their client who is?

 

I assume this is will be a newday account?

[mooshy]

Hi

Yes the letter saying they are registeringbthe default is directly from Aqua. A new day account yes.

Ill go through the rubbish ive sorted now for shredding and check again but im so sure I haven't received one .

[dx100uk]

scan everything no matter how insignificant it could be for any debt ever.

 

you've been here long enough and have had enough court claims to know how important one single line in a letter can be.

[mooshy]

Hi DX

Well Ive been through all my paperwok and its definitely not there .

But I cant prove that can I ?

Would it be okay to tell them the truth and ask them to let me pay it ?

 

[dx100uk]

I expect they did send a default notice

unless its one of their online comms only accounts?

 

not really sure you can get a registered defaulted date removed just because you cant find a default notice.

 

better to pay it yes mind!