We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
please help i lied need advice
one-day
Posts: 303 Forumite
morning, i have just had moorcroft on the phone 2 secs ago and he said they were calling about my account that they have just taken on a lloyds credit card. i told him i did not want to speak over the phone as i have sent a letter (i lied as i have not yet!!!!!) and want everything in writting not phone calls.
he said well can i take the first line of your address and i said no everything i want in writting, he said well at 10am this morning it will be going to a serious stage i said ok and hanged up but now i'm really scared what does this mean.
i have only found out last week my old account has been passed onto moorcroft i'm scared now think i have done wrong and spoke to him. :eek:
he said well can i take the first line of your address and i said no everything i want in writting, he said well at 10am this morning it will be going to a serious stage i said ok and hanged up but now i'm really scared what does this mean.
i have only found out last week my old account has been passed onto moorcroft i'm scared now think i have done wrong and spoke to him. :eek:
:eek::eek::eek:grand total of debt on 21/1/11 is £8,208.19 :eek::eek::eek:
debt total on 30/07/12 is £4313.52
water £847.75, HSBC £479.66, vodafone £262.35, Captial one £415, AA £47.97, scotcall (scottish power) £622, Arrow £420, Welcome £642.41, CSA (scottish power) £484.90, BT £91.50
debt total on 30/07/12 is £4313.52
water £847.75, HSBC £479.66, vodafone £262.35, Captial one £415, AA £47.97, scotcall (scottish power) £622, Arrow £420, Welcome £642.41, CSA (scottish power) £484.90, BT £91.50
0
Comments
-
Don't worry, someone will be along to offer some advice shortly. DCA's generally try to frighten you into paying - is it a large debt?LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j0 -
£3,500 so not good:eek::eek::eek:grand total of debt on 21/1/11 is £8,208.19 :eek::eek::eek:
debt total on 30/07/12 is £4313.52
water £847.75, HSBC £479.66, vodafone £262.35, Captial one £415, AA £47.97, scotcall (scottish power) £622, Arrow £420, Welcome £642.41, CSA (scottish power) £484.90, BT £91.500 -
You are absolutely right to do what you did.
You don't have to speak to anyone on the phone. The only thing he would have been trying to do is:
a. information gather
b. try and get you to make a debit card payment
Neither of which you want to happen. They can write to you - it's better that they do. If you like, write the standard letter asking for only written communication and then fax it to them so they get it today.
What stage is the debt at? Is it showing as defaulted on your credit file? Have you been making any payments at all recently?"One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
i would suggest you write to them Asking for copy of cca enlcose a £1.00 and then go from there
mr cows right with what he is saying
dont speak to them on the phone
Slimming world start 28/01/2012 starting weight 21st 2.5lb current weight 17st 9-total loss 3st 7.5lb
Slimmer of the month February , March ,April
0 -
Do you have the thread for the standard letter template? If not see below.
http://forums.moneysavingexpert.com/showpost.html?p=11571485&postcount=5
Don't know if the link is showing - you might need to cut and paste!LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j0 -
thank u the link is showing i will get that in the post stright and also ask for my cca. i just hope i'm not going to get people at my door:eek::eek::eek:grand total of debt on 21/1/11 is £8,208.19 :eek::eek::eek:
debt total on 30/07/12 is £4313.52
water £847.75, HSBC £479.66, vodafone £262.35, Captial one £415, AA £47.97, scotcall (scottish power) £622, Arrow £420, Welcome £642.41, CSA (scottish power) £484.90, BT £91.500 -
Even if you get people at the door there's nothing they can do - they have less rights than the paperboy. If they don't leave when you ask them to, you can call the police and tell them someone's trespassing on your property. The chance of them sending someone round though is extremely slim.Unless I say otherwise 'you' means the general you not you specifically.0
-
How old is this old account? have you paid towards it in the last 6 years?If you've have not made a mistake, you've made nothing0
-
the account is from 2005 or 2004 not paid anything for years as bad as it seems feel really bad:eek::eek::eek:grand total of debt on 21/1/11 is £8,208.19 :eek::eek::eek:
debt total on 30/07/12 is £4313.52
water £847.75, HSBC £479.66, vodafone £262.35, Captial one £415, AA £47.97, scotcall (scottish power) £622, Arrow £420, Welcome £642.41, CSA (scottish power) £484.90, BT £91.500 -
Ok
It is not statute barred but you need to request the CCA and to find the default letter.
Come back when you find it.If you've have not made a mistake, you've made nothing0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.1K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards