Orange/Moorcroft and an extra £140! Please help?

Hannah_10

Right after some studious avoiding of the post-mountain I have finally got round to opening most of it this afternoon/evening.

I owed Orange £399.65, it probably should be less than that actually but I truly do not have the emotional energy to fight about it, so I will take it on the chin at £399.65.

Then Moorcroft got involved, they are now saying it's £539.65.

It's gone up £140!!! :eek:

Yes Ok I accept not opening your post for months is no way to behave, but I haven't been well (mental health) and I couldn't do it. I'm doing it now though so please no "it's your own fault" replies, I know this.

Anyway, I rang Orange tonight to see if I could just pay them the £399.65 in one go by debit card and just clear it.

I tried my hardest to get Orange to accept the payment as my paperwork certainly makes it look like Moorcroft are only acting on behalf of Orange rather than actually owning the debt themselves, but Orange were not having it. They insist I deal with Moorcroft.

The problem with that is I know Moorcroft of old, they are sh*ts (pardon my language) and right now every fibre of my being is screaming avoid them... I am trying not to do that though.

There's no way I'm phoning Moroncroft, they always lie and they can't be trusted as far as they can be thrown in my experience.

I've got the £539.65 but I'd rather not give them more than £399.65 if I can help it. The thing is I bet if I make too much fuss about it they'll increase the charges again! (They're like that I find.)

So what now? Do I try getting them to take the charges off or do I just send them a Full and Final Offer letter (found a good template on National Debtlines website), or should I do something else?

I know it must sound like a totally stupid question but help please, anyone? I lose any sense of confidence in my own decisions at all when under pressure .

Happytogetdebtfree

id maybe vote for a full and final ? or ask for proof of the debt ? i dont really know hopefully some one will know

mr.ton

Typical behaviour from Moorcroft.
They have absolutely no legal power whatsoever to add to the debt.
The original amount you owe will be what you owe - nothing more/nothing less.
Report Moorcroft to the OFT & trading standards and make an official complaint to Orange.

Hannah_10

mr.ton wrote: »

Typical behaviour from Moorcroft.
They have absolutely no legal power whatsoever to add to the debt.
The original amount you owe will be what you owe - nothing more/nothing less.
Report Moorcroft to the OFT & trading standards and make an official complaint to Orange.

Sorry for the second stupid question in a row, but how do I report someone to the OFT or trading standards?

The official complaint to Orange I am guessing is just a formal letter?

Numpty_Monkey

Well done on not phoning them:T
I'd send the "prove it" letter
http://forums.moneysavingexpert.com/showpost.php?p=23624459&postcount=3

It is a waste of breath calling Orange,
if they've passed/sold the debt on, they won't care or be able to help much


Hold the F&F template in reserve for now ( glad you got the good template)

mr.ton

They can be reported to the OFT via consumer direct....or just look them up online etc..

Hannah_10

Numpty_Monkey wrote: »

Well done on not phoning them:T
I'd send the "prove it" letter
http://forums.moneysavingexpert.com/showpost.php?p=23624459&postcount=3

Looked up the prove it letter, it says

I would point out that I have no knowledge of any such debt being owed to (insert company name).

As I do know of a debt to orange (just a debt of £400, not £540) is it lying to send this?

Sorry if that's another stupid question, just worried.

alison999

Why not just send a cheque for the original amount? That way you'll also have a paper trail to prove youve paid it

Hannah_10

alison999 wrote: »

Why not just send a cheque for the original amount? That way you'll also have a paper trail to prove youve paid it

Don't own a cheque book.

Fergie76

Don't send them the money without a F&F settlement offer in writing, as they will just take the money as part payment towards the debt.

Send them a CCA request to see if the debt is enforceable. Have a look at the template letters thread by N.I.D and see which one best suites your situation, s/he has put full explanations on when to send what letter.

DVardysShadow

Hannah_10 wrote: »

Looked up the prove it letter, it says

I would point out that I have no knowledge of any such debt being owed to (insert company name).

As I do know of a debt to orange (just a debt of £400, not £540) is it lying to send this?

Go with "I have no knowledge of a debt of this amount."