Argos card / Moorcroft

[Yennefer]

Hi there !

 

in brief, a few days ago I received a letter from Moorcroft regarding my Argos account (closed. default ). 

should I start with CCA and SAR ?

I also have another case from 3 years ago, also with Moorcroft now.

 

This case is different, my alleged debt was sold to Hoist Portfolio, and they handed me over to the Robinson Way at first, then to Moorcroft.

I used three letters ( advice from another forum ), for Robinson Way it worked, they gave up after two years.

 

I`ve never sent a formal request  ( with 1 pound fee ), I just asked for a real copy of the agreement in my letters, I didn`t get any answer.

From no one, the original creditor and  Hoist didn`t answer either.

Then covid showed up and I had other problems to sort out .

 

I had the  last contact with Moorcroft, in this case,  about a year ago, they sent me some letter with an offer, of course I ignored it.

Should I do it now ( CCA ) ? 

 

I have to do something about it, now they have two alleged debts on me and that could spur them into action

 

Thank you for any advice you can give me  

 

Best A.

 

 

 

 

 

 

 

 

[dx100uk]

moorcroft should always be ignore 

as should any dca whereby their letters state 'our client'

deal with the organ grinder not the monkey.

 

 

[Yennefer]

I ignore them with a smile on my face, but something needs to be done  Can you expand your hint a little bit ?

[dx100uk]

of what..

 

dx

 

[Yennefer]

eeeh i see ... I just really need a little help, that's why I am here. Being funny does not mean that I am a troll or something and English is not my native language. I just don`t know what to do next, that`s all

[dx100uk]

2 hours ago, Yennefer said:

I have to do something about it, now they have two alleged debts on me and that could spur them into action

 

to do what they are powerless...

 

you like 10'00'000 of other s jump because a dca says this or that

a DCA is not a bailiff

and has zero legal powers on any debt no matter what its type.

 

another one of your issues is following stupid freeman of the land twaddle.

very dangerous.don't

 

moorcroft dont by debts

they only act for clients.

 

as long as you don't run from debt

and insure the debt owners or 'the client'

has from you a letter which states your correct and current address

or you did so to the Original creditor before any sale

or your haven't moved since taking 'the credit' out

you are safe from backdoor CCJ's to an old address.

 

sit on your hands and see if the owner of the debt want to issue a letter of claim.

if they do 

you return here

 

A CCJ - which is the only tool they have - because just like us joe public, its the only thing we can legally do if we claim someone owes us money - they have no more powers that you or me

[Yennefer]

"another one of your issues is following stupid freeman of the land twaddle." yep agree. When I got into my first trouble, a couple of years ago, I tried this method, you know, panic etc but with time I saw something was wrong, I started to feel like in some fairy tale when I went into the details of it

so now I looked for other advice. I spent a few hours reading the posts here, it all makes sense, answers, advice.

 

so I don`t have to send  cca or sar request ?

 

Thank you for your help, if something happens, I will be back

 

 

 

 

 

 

 

 

 

 

[dx100uk]

IMHO yours is not the next move.

 

[London1971]

Yup, safe to ignore, 

 

Yup the 3 letter process is pointless

 

Yup, for goodness sake make sure they have your current address in writing, (if you've moved since taking the debt)

[Yennefer]

Yep, they have my current address  

Thank you both !

 

 

 

 

 

 

 

 

 

 

[dx100uk]

thats ok just don't get spoofed.