Mr HelzPeanut Vs Moorcroft

[andrew1]

Go get em cowboy - lmao.

 

maybe you could either here or email me some advice as to where to start, what letters to send etc. maybe wait until i am officially informed the sell was a mistake? sorry im so useless right now, i actually think im in slow labour lol so not with it in the slightest, this is taking my mind off it great though!

 

Sorry, cowgirl ! what a Calamity eh Jane? I'll try and drum-up something later - going for a walk now, first bit of sun!

[me_n_my_kids]

Ok no probs

 

Just looked through todays post and still nothing from Moorcroft, they are in default tomorrow!!

[buzby]

Moorcroft may only have been acting as an intermediary - they were a DCA, not assignees of the original debt*, so theres is every chance Moorcroft is out of the loop.... only the folk behind the Argos Card will know for sure.

 

*They could easily take their commission and pass the balance to Argos

[tbern123]

I can give you a easy response to this as I work for Cabot. Argos sold loads of accounts to cabot that were still woth moorcroft and shouldn't have been sold on. you need to carry on dealing with moorcroft and not cabot as cabot told you. you should receive a letter from cabot advising you to remain dealing with cabot.

Hope this helps

wulfin

 

 

Isn't there something in the OFT guidelines about only using one DCA at a time ?

 

Report Argos, Moorcroft and CABOT:o to your local trading standards and to the OFT. They may have made a mistake, but it is their problem not yours....

[tbern123]

Sorry forgot to mention, as the debt was incorrectly sold to CABOT and Cabot wrote to you, they breached the DPA as they never had your authority to process your personal data. Before contacting you, they should have checked their facts.

 

As I am sure wulf will confirm, when Cabot buys a debt they don't actually receive any documentation, instead they just start firing off letters and haressing people by phone, they hope to intimidate people into paying them........

 

Did I mention, I don't like Cabot ?? lol

[me_n_my_kids]

lol tbern i would never have guessed! to be honest im a little confused with what my next stage should be. ive done nothing so far apart from sending my CCA, which Moorcroft default on tomorrow.

 

If anyone knows of a letter or anything else that i should be doing about this id be glad of it, this is starting to go over my head a little but im keen to pursue!

[andrew1]

Don't worry... I told you that before.... we'll sort out a letter for you. This will be surprisingly well within your grasp. It's fairly simple once the jig saw takes shape. Couldn't get to the pc today much ( wifey thing ) so will sort out tomorrow for you. Sleep tight.

[me_n_my_kids]

LOL Andrew i didnt want to pester you... *too much*

 

Speak to you tomorrow at some point night

[Turnaround]

The advice you are getting is sound advice.

 

I’m sure andrew1 will sort a suitable letter out for you, but in the mean time I have sent you a suggested letter (PM) that I have used to great affect.

 

Feel free to alter, amend or disregard, as you feel fit.

 

I would also be inclined to send Cabot a CCA request, to get that piece of the jigsaw into place. As you will be aware, they have to prove the debt is yours within the time frame, or else their stuffed. And they can’t legitimately pursue you further until they get permission from the court.

 

Hope this picture and the letters helps, and continue to enjoy your Christmas knowing your stuffing these Turkeys.

 

How I enjoy that Christmas spirit and all the joy it brings.... :D

[me_n_my_kids]

Thanks very much TA for the post and the PM

 

The letter you sent me should be sent to Cabot, am i right? And a CCA to Cabot also.

 

Still waiting on the CCA reply from moorcroft, nothing at all as yet, but like i said in my other more general post, the mail for today has not been yet so fingers crossed there is still nothing from them, and they will be in default today

 

I wish id known about this forum a long time ago, would have saved me many tears and heartache!!!

[tbern123]

If I was you, I would keep pushing Cabot until they confirm in writing that they are not dealing with your account. I would also send them a Subject Access Request to establish what information had been disclosed to them....

 

By the sounds of things... Argos made a big boo boo

[me_n_my_kids]

It does sound that way... lol

 

Maybe write to Cabot asking for written confirmation they are not dealing with the *NOW DEFAULTED* debt?

[maxibon]

From previous experience if Moorcroft have signed for the letter ( highly unlikely as monkeys work there! ) they do not have any on site legal persons to deal with it. It would be some 18 year old who doesnt have a clue what they are doing....(I was older and wiser and only stayed for 3 months!).

 

The best way to contact them is via email as most people dont take the post seriously enough. Go to their website and put your ref in and email them to confirm receipt. If you call you will only get harassed for the money as they dont know any better ( believe me its a joke of a company).

 

I would recommend you ask speak to anyone of the 'MacRoberts' as they own the company or someone called Dawn McGuire as she is the manager in the call centre and will be more helpful then the telephone monkeys...

 

GOOD LUCK

[me_n_my_kids]

Thank you Maxi, Im not sure weather to email at the moment, or wait until they have commited an offence on 29th jan?

 

does anyone know if an undelivered recorded letter is sent back to sender?

[PriorityOne]

I think they are returned 'coz your name and address have to go on the back of the envelope.

[maxibon]

May be worth checking with royal mail on that one...I don't see any harm in emailing them. They have to record on your file when any correspondence received so at least they may be able to tell you if they have it...

 

I do doubt it though as they didnt like signing for mail...I wonder why!!!

[me_n_my_kids]

Priorityone thats what i thought, and i did think that they only held them for one week, so i should have had it back by now i think.

 

ill leave it a little longer before contacting them, i want them to commit an offence;)

[ecobabe]

quite often the mail and recorded delivery are delivered in a bundle and only 1 signature is taken for whole bundle. I would go on premise that they received it and if it was a cheque you can check that way when it's cashed even postal orders can be tracked.

[me_n_my_kids]

Ok thank you guys

 

28days to go.....

[Notty]

Would you mind posting a copy of the letters you sent (the ones from Andrew1) As I want to sent one to Cabot for the same reasons as you but its all a bit confusing!

 

Hope all goes well for you.

[me_n_my_kids]

i have today received a letter from moorcroft who ran out of time on 24th jan on a cca request. they say they have spoken to client who have confirmed they cannot provide agreement. please can we call to discuss account. could someone point me in the direction of a letter i can send in reply please?

[bennyowen]

Try the library:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Good luck

[me_n_my_kids]

im sorry to be so thick but i dont see which one it is that i should be sending?

[PriorityOne]

Why bother sending a letter at all ? They cannot produce the CCA, so there is no enforceable debt...

[diskmandave]

See my thread. (Maybe we can compare?)

 

http://www.consumeractiongroup.co.uk/forum/post-592192.html

 

Good luck, regards, Dave.

 

 

WHERE HAVE OUR AVATARS GONE...???!