CCA - Moorcroft

catwoman150 · 29 July 2009 at 9:07PM

I have had one of my debts sold to Moorcroft. I have asked Moorcroft to send me a CCA as they send me a nasty letter saying that they may take me to court if I did not pay the debt in full.

This was 12 days ago. Do I send another letter to them, if so which one do I send to Moorcroft.

At the mo I am still waiting for the CCA to come from them and I do my own DMP.
I am just wondering if I just pay Moorcroft my monthly installment or should I pay citi (the people who sold the debt onto Moorcroft) for August payment.
The account has only just passed over to Moorcroft.
Moorcroft have put my account on hold till they get the CCA from citi, to send to me.

I am a little confused now on who I pay

if anyone.

fatbelly · 29 July 2009 at 11:28PM

Until they produce a cca I wouldn't pay anyone.

The letter you need to send (in 2 days time) is here

but you can delete the bits about committing an offence.

catwoman150 · 30 July 2009 at 8:27PM

Is that 2 working days? or just 2 days I send the letter. Then what would happen next?

fatbelly · 31 July 2009 at 12:02AM

It's 12 working days. The debt is unenforceabe until a cca is produced. The letter lets them know that you know that. The debt is then considered 'in dispute' and 'debt collection activity' must stop.

The OFT guidance to Mackenzie Hall reinforces that that view is correct, and defines 'debt collection activity'

catwoman150 · 1 August 2009 at 2:21PM

Am I right in thinking that because citi have sold the debt to Moorcroft I have sent the CCA request to the right place. Moorcroft should have a valid CCA to ask for money off me? If I sent a CCA request to citi they should be able to produce one. Also should I sent off the other letter recordered?

fatbelly · 1 August 2009 at 11:38PM

Moorcroft may just be collecting for Citi, rather than having bought the debt. Either way, you've sent the letter to the right place.

No need to contact Citi - Moorcroft have said they've passed your request on.

You are right to send these letters recorded so that you can prove (if necessary) that they have received them.

catwoman150 · 2 August 2009 at 10:03AM

moorcroft have sent me a letter to say that they have been in contact with citi and they (citi) have not recieved a request for a CCA from myself ( I didnt ask citi for a CCA) moorcroft have asked me to send a letter to citi to request a CCA from them and moorcroft have put my account on hold. I am confused as to why I should send citi a request as moorcroft have the account at the moment and are asking for money from me. I have send moorcroft the second letter so I will see what comes of that.

catwoman150 · 12 August 2009 at 9:27PM

moorcroft (they) have also sent me a notice of intended litigation and asked me to respond by next week. and sent me my £1 fee back with another letter to say go to citi and get the cca request.

never-in-doubt · 12 August 2009 at 9:29PM

catwoman150 wrote: »

moorcroft have sent me a letter to say that they have been in contact with citi and they (citi) have not recieved a request for a CCA from myself ( I didnt ask citi for a CCA) moorcroft have asked me to send a letter to citi to request a CCA from them and moorcroft have put my account on hold. I am confused as to why I should send citi a request as moorcroft have the account at the moment and are asking for money from me. I have send moorcroft the second letter so I will see what comes of that.

Hiya

Check over here - i'll post you a letter to send them. Deal with Citi - not Moorcroft.

http://forums.moneysavingexpert.com/showthread.html?p=24166493#post24166493

CCA - Moorcroft

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