Does not happen everyday....

Welshdebtor

So far had two debts written off within the last few days totalling £2100, all from complaining about the actions of the DCA and OL.

hehehehe :j

MoodyBlues

Wow. Congrats

whichwhydoIturn

Well done !!

GetRealBabe

That's fantastic.:dance: :j :dance: :j

GRB.

DarkConvict

Thats great news, how did you go about complaining?

GeorgeUK

Well done.

Can i ask you to expand on "written off"?
Was it a complaint to the DCA and they informed you that they would not be pursuing it?
If so the debt may be passed to someone else.

Sorry to rain on the parade a bit, but just wanted to make you aware. Debt may become unenforcable, but unless it comes from a judge, the debt may not be written off.

DarkConvict

I didn't think judges would write of debts just make them unenforceable by refusing a CCJ, I thought it was upto the owner of a debt to choice to right it off.

Welshdebtor

I complained to Moorcroft about their actions regarding collection of debt for O2 and Vodafone, but they chose to ignore me. So I then complained to O2 and Vodafone, reminding them of the following:

Creditor responsibility for third parties
1.9 If consumer credit licence holders choose to do business or continue to do
business with third parties engaged in questionable fitness behaviour, then their
own fitness will be called into question. Our aim is to ensure that creditors do not
ignore the unfair practices of debt collectors, whether in-house or external, acting
on their behalf. It is not for the OFT to specify in this guidance how choices about
third party selection are made nor to advise on desired conduct between third
parties. However, during any investigation in this respect, we would expect to see
that care had been taken in the selection process, complaints had been
investigated and that firm action had been taken as appropriate. It would be
unlikely that we would take action against a creditor who could demonstrate such
action had been taken.

As well informing them I was prepared to take it further.

All goes quiet for about 12 months, next thing I hear is O2 have closed my account and see the debt as "settled" (this appears on my credit report as so now as well) and Vodafone have closed my account and removed any trace of the debt from my credit report.

Both have written to confirm that this matter is now closed, no debt is outstanding, no action will be taken in the future and apologise.

GeorgeUK

A judge could decide that the credit given was a gift and therefore the debt would not be owed. I have never known a creditor who has written off a debt, they may not pursue it for a time or may sell it on - even after it becomes unenforcable, but this would be a first for me.

What was said in the letter, or were you informed over the phone?

Edit: Didn't press refresh again
That's great news and the most important part is that that they say there is no outstanding debt.

Definately the first time i've heard of a creditor doing that.
(You must be trouble )

Welshdebtor

LOL was shocked, especially two different companies, only link between them is they were using Moorcroft (and are both mobile phone operators lol)

savingmummy

Your very lucky

Well done x