HSBC CARD DEBT - Moorcroft refused to provide CCA

[Ecik1981]

Hi Guys,

 

I need some advise.

 

I've sent a CCA request to Moorcroft Debt Recovery Limited which collecting money on behalf of HSBC for a credit card and in a letter they've stated that I need to contact our client directly.

That is the address they've provided:

Metro Collection Services

56 St James Road

Edgbaston

Birmingham

B15 1 JL.

 

Can someone confirm is that the right procedure?

If anyone also send CCA requests to HSBC and is this the right address?

 

Thanks for your help

 

Ecik

 

[dx100uk]

moorcroft don't by debts

they only collect for their stated clients

it is their client that should get the CCA moorcroft can always be totally ignore and most certainly never paid anything on any debt.

 

is this debt on your credit file?

 

dx

 

[dx100uk]

i see we have already covered all of this last year

 

Cabot and Moorcroft repaying Lloyds and Hsbc Credit cards - Debt management and Debt self-help - Consumer Action Group

[Ecik1981]

Yes it is on my credit file

[Ecik1981]

I've checked the address they've provided and belongs to Metropolitan Collection Services which I never heard of

[dx100uk]

Metropolitan Collection Services are HSBC it's their old Fake internal DCA name.

and ofcourse your credit file also tells you the owner of the debt - HSBC.

 

the CCA request goes to HSBC, however, unless this card is very historic, i would never send an original creditor a CCA request, no real point.

 

does the debt have a registered defaulted date entered on your credit file?

dx

 

 

[Ecik1981]

Does anyone have a right address for HSBC Uk to send them CCA request?

I can't find one anywhere.

 

I greatly appreciate your help 

 

Ecik

[Ecik1981]

Yes. the date is 2016.

 

May I ask why not to send that request to HSBC? 

 

 

[dx100uk]

the default is there on your file until it's 6th birthday when the whole account will vanish.

that doesn't mean the debt is still not owed mind, as you've are still paying, that would be 6yrs from the date of when/if you cease payments.

 

you could stop payments now, an OC won't do court, they can't further harm your credit file and anyway, the debt will vanish in about 2yrs.

if you were to stop payments then they would sell the debt onto a DCA debt buyer and it would be then you send the new debt owner a CCA request.

 

or just keep paying your £5PCM ? is it?

[Ecik1981]

at the moment I'm still paying £5.

I'm not sure what to do. 

 

Thank you for all your help. 

This group is a massive help

 

 

[London1971]

Every £5 payment that you make you are resetting the 6 year statute Bar clock. It’s like deliberately slapping yourself in the face every month. If you really Are keen to part with that fiver, you’d be better off giving it to your local food bank or something.

 

 

[Ecik1981]

is this the same with me paying £5 to Cabot for lloyds credit card. Should I stop paying this too? 

[dx100uk]

of course it is.

did you ever cca cabot re the card as advised yonks ago on your other thread?
 

 

dx

[Ecik1981]

I've sent it just now as they offer repayment holiday for all this time. 

Still awaiting response 

[dx100uk]

if they don't reply in 12+2 working days

cease payment .

 

dx

[Ecik1981]

once again. Thank you