MoorCroft are chasing me for Money owed to Abbey HELP!!!

DVardysShadow

alwaysachance wrote: »

I understand that I am responsible for cheques I have written but surely if somebody had stolen a cheque book and card and used these to write cheques from a book that was reported stolen and cancelled but yet the bank cashed them anyway, how wrong is that. Thats the way the guy said it to me who I have been speaking to from the branch. Its actually against the law to cash cancelled cheques. The books were cancelled before the cheques were even written. Look I'm not saying that I shouldn't pay what I owe, what Im saying is surely the bank should wave the charges in respect of their negligence???? I know what you are saying about them sending me proof of debt but I understand how that works with credit agreements but how does that work with just going overdrawn??

You should wind you neck in. If you follow that line of argument, you are going to find yourself in some serious bother. If the cheque books were cancelled before you wrote the cheques [or after you wrote them, but you cancelled them knowing you had written them and guaranteed them, then you have committed fraud or if you obtained goods, you have obtained goods by deception.

You will be far better off not making a song and dance about the cheques being cancelled, unless someone else wrote the cheques without your knowledge.

DarkConvict

If someone did write cheques without your knowledge you are still liable, (as above don't keep cheque and card together), you would have to claim on contents insurance if it is included.

jimbms

I would say try and make a minimum token payment but at least £50 per month to moorecroft. you will find after approx 1 year they offer to let you clear the debt off by paying 50% of the balance within 28 days. we did this and saved £5000 on 2 debts