GGGRRRRR Morecroft THUGS - hear the wrath of Mike St Helens.... after a night shift !

Nony_2

I've had dealings with Westcot and it was one of their callers who, after being told for the umpteenth time that I could not afford to pay anything off the debt, suggested I borrow it from relatives. I said I wouldn't do that as I had no hope of repaying them; he said, "We can go to your relatives and ask for the money".
I was scared ! :eek: The thought of my sons being approached to pay my debts . . . . .
Then he suggested I take out a loan. EH??? Who would give me a loan with my credit record? How would I repay it???
He wasn't interested in my questions, just demanded that I pay the debt within 7 days and telephone him, without fail, in 7 days with details of how I was going to pay.
I contacted the National Debtline for advice and thanks to them, my pounding heart slowed down to a more normal rate.

Mike_St_Helens

Tootsie_Roll wrote:

The FSA will be good news for the industry and will hopefully quash all the rubbish that is spouted about dca's all the time. I wonder how many of the usual complaints about dca's will disappear once the FSA get involved and people start to realise that you often don't have a leg to stand on. In a past life I used to be the person who issued the deadlock letter before it went to the Ombudsman - often I would pay out just to get rid of the complaint as it was easier and cheaper this way. These days with all of the call recording that goes on the dca's wont have to do that and can send a copy of the call to the Ombudsman. In addition, just because a debt is Statute Barred doesn't mean the person doesn't owe it and any company are quite within the law to ask for repayment - why do people have such an issue with that ?

This statement;
'"we recommend someone in your position should remortgage to pay off this debt" - my position was I had been diagnosed with ovarian cancer and 2 months later with breast cancer!!!!!! - to fair they were sold a real pig in a poke by MBNA who couldn't offload this debt quick enough!!''
Actually I don't find anything wrong with - they haven't tried to force you into it and have made a good suggestion if you have the equity in your home - remember if it went to court the judge would look at your overall finances including any equity you may have.

The other two comments are just daft and should be reported.

Here we go again... Our nightly call from out fave DCA here....

The fact that someone has been told to remorgage is NOT a good idea, it is against the Banking code.

Also, as you know if a debt is statute barred, legally as a dca, you can do pap all about it, you cant collect on a debt that legally does not now exist.

Can I ask why you never post any other advice, helpful to other people, simply getting and nagging at all DCA issues etc etc....

flowerofscotland

They (people who work for DCAs) don't like it when threats are made to them. I am saying this because of my experience with DCS when they were chasing my son at my address for a debt which actually belonged to an ex girlfriend of his. My son had not lived with us for 5 years at the time and my DH had just come out of hospital with his first heart attack so when I got a letter threatening bailiffs coming round to our house I saw red - telephoned the DCA and went mad. I was shouting (though not swearing) and threatening to report them to everyone I could think of including the police if they turned up at my door, sue them if they caused any stress to DH etc; they kept trying to interrupt me and eventually said that if I didn't stop shouting they would put the phone down - the poor sensitive soul.

rog2

flowerofscotland wrote:

They (people who work for DCAs) don't like it when threats are made to them. I am saying this because of my experience with DCS when they were chasing my son at my address for a debt which actually belonged to an ex girlfriend of his. My son had not lived with us for 5 years at the time and my DH had just come out of hospital with his first heart attack so when I got a letter threatening bailiffs coming round to our house I saw red - telephoned the DCA and went mad. I was shouting (though not swearing) and threatening to report them to everyone I could think of including the police if they turned up at my door, sue them if they caused any stress to DH etc; they kept trying to interrupt me and eventually said that if I didn't stop shouting they would put the phone down - the poor sensitive soul.

I suppose it's a bit like hitting a defenceless dog with a stick and then being surprised if it bites you:rolleyes:
I just can't understand the implied assumption that we are trying to get one over on them.

Tootsie_Roll

sparkle84 wrote:

It is against OFT guidelines to recommend taking out more debt to pay an original debt- this is by far the more serious breach of the guidelines I literally can't believe you find nothing wrong with this - the other two suggestions were just laughable - you think the FSA wouldn't find this serious dream on - why do you post on this board you don't help anyone

It is beliefs like this that cause the confusion. It is against the OFT guidelines to 'pressure' borrowers into taking out further credit but simply to suggest it is perfectly ok. Also, please read my post, I agree that the last two suggestions were daft.

Oh and I have helped plently of people, because I know what I am talking about and wont always put up with the rubbish that is sometimes spouted on here doesn't mean I haven't added value.

Tootsie_Roll

Mike_St_Helens wrote:

Here we go again... Our nightly call from out fave DCA here....

The fact that someone has been told to remorgage is NOT a good idea, it is against the Banking code.

Also, as you know if a debt is statute barred, legally as a dca, you can do pap all about it, you cant collect on a debt that legally does not now exist.

Can I ask why you never post any other advice, helpful to other people, simply getting and nagging at all DCA issues etc etc....

Please see my above post which responds to two of your points. With regard to the third - Again it is your inexperience and lack of knowledge that is causing confusion. It is perfectly OK to ask someone with a statute barred debt to pay - why not ? Your assumption that the debt does not exist is just wrong. It is only wrong if you continue to persue the debt after the borrower has written stating that it is stat barred and that they aren't paying.

Please get your facts straight before offering 'advice'.

Mike_St_Helens

What a n0b....

we can spam them, oops sorry email our friends at enquiries@moorgroup.com or call their switch board on 0161 477 2222 rather than the thug line on the letters, website http://www.moordebt.com/ boy I wish I knew how to get into site maintinence....

rog2

Mike_St_Helens wrote:

What a n0b....

we can spam them, oops sorry email our friends at enquiries@moorgroup.com or call their switch board on 0161 477 2222 rather than the thug line on the letters, website http://www.moordebt.com/ boy I wish I knew how to get into site maintinence....

Mike,

As I would prefer not to have to depart this mortal toil as a complete idiot, perhaps, with your experience in dealing with Blue Chip companies like Moorcroft, you could enlighten me as to what qualifications might be required in order to become an esteemed Debt Collector?
I have, obviously been underestimating this little appreciated sector of the Financial Recovery Industry, and even now I find it hard accept that such pinacles of perfection are prepared to even contemplate dealing with the likes of mere mortals like us.
Do you think that the following 'skills' would be advantageous in applying for such a position:

1. Ability to communicate in a courteous and non judgemental manner.
2. Ability to treat people with the same level of respect that you would expect from them.
3. Ability to listen to other people and formulate replies based on information given, and the ability to recognise that there are always two sides to any story.
4. A good working knowledge of the guidelines under which the industry can carry out business.
5. Ability to advise people on where to go for best independent advice.
6. A reasonable grasp of the English language.

Whilst a lack of some of the above points would probably exclude the likes of me from applying for such distinguished and obviously socially pro-active employment, I would be grateful for your views as you seem to enjoy such an enviable relationship with at least one prominent member of that elite profession.

:rolleyes: :beer: :rolleyes:

Mike_St_Helens

rog2 wrote:

Mike,

As I would prefer not to have to depart this mortal toil as a complete idiot, perhaps, with your experience in dealing with Blue Chip companies like Moorcroft, you could enlighten me as to what qualifications might be required in order to become an esteemed Debt Collector?
I have, obviously been underestimating this little appreciated sector of the Financial Recovery Industry, and even now I find it hard accept that such pinacles of perfection are prepared to even contemplate dealing with the likes of mere mortals like us.
Do you think that the following 'skills' would be advantageous in applying for such a position:

1. Ability to communicate in a courteous and non judgemental manner.
2. Ability to treat people with the same level of respect that you would expect from them.
3. Ability to listen to other people and formulate replies based on information given, and the ability to recognise that there are always two sides to any story.
4. A good working knowledge of the guidelines under which the industry can carry out business.
5. Ability to advise people on where to go for best independent advice.
6. A reasonable grasp of the English language.

Whilst a lack of some of the above points would probably exclude the likes of me from applying for such distinguished and obviously socially pro-active employment, I would be grateful for your views as you seem to enjoy such an enviable relationship with at least one prominent member of that elite profession.

:rolleyes: :beer: :rolleyes:

Ohhhh.. there were some big words there,

Im confused is that getting at me or joining in with my sarcasm ?

Mike

rog2

Mike_St_Helens wrote:

Ohhhh.. there were some big words there,

Im confused is that getting at me or joining in with my sarcasm ?

Mike

Definitelt not getting at YOU, Mike;)