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

Mike_St_Helens

Ah cool... I think I must have had a 'blip'

I spoke to another creditor today to tell them they wont be getting any more payments, Black Horse... They were very civil and pleasant indeed.

Bruce123_2

Hi All

I'm new to the site so I'm probably doing this all wrong, so bare with me please.

I've a slightly similar experience with devious DCA's, myself and the wife have various bad debts being collected at agreed monthly payments of £10 to £50, the agencies are morecroft, fredrickson international & heatons solicitors. I can't say that I've had any particular problem with morecraft but a strange thing happened with Heatons.

Heatons were collecting the monies outstanding on a Halifax BS CCJ which we had been paying of @ a nominal £12/month for a number of years, 3 months ago I phoned Heatons to see what they would settle for if I cleared the outstanding balance of £ 400 in one final payment, the phone went quite as they checked their records, then the answer came back that nothing was owed, the account was clear. I queried this as I new just under £400 was still outstanding, to which they responded that the Halifax had notified them in August 2005 that the account was settled.

I then asked "well whats been happening with the payments, I only sent a cheque 4 days ago" which they acknowledged that they had received and advised that it would have been banked in suspence account, I obviously asked for the money back and all previous payments since the account was cleared.

They advised that they should have notified me that the account was cleared but if I told them the dates and amounts of the cheques in question they would refund the balance, two days later I phoned back with the Chq No's and dates for the eleven cheques in question (which incedently they obviously already new about as they acknowledged that they could see the payments on the computer screen), anyway 3 weeks later they sent a cheque for £132.

As I said I'm new to this and my post doesn't really have anything to do with the original morecroft thugs thread other than I'm convinced that they would have continued to bank the £12 Chq's until the full £ 400 was cleared.

I am interested to see if anybody else has experienced a similar thing

1 A creditor writing off an outstanding balance on a CCJ even though the monthly payments were being met?

2 A DCA continuing to accept payments even though there was no debt to collect?

Cheers All, The end of a rambling tale.

PS how do u use the smiley icons etc

rog2

Bruce123 wrote:

Hi All

I then asked "well whats been happening with the payments, I only sent a cheque 4 days ago" which they acknowledged that they had received and advised that it would have been banked in suspence account, I obviously asked for the money back and all previous payments since the account was cleared.

As I said I'm new to this and my post doesn't really have anything to do with the original morecroft thugs thread other than I'm convinced that they would have continued to bank the £12 Chq's until the full £ 400 was cleared. /QUOTE]

The fact that they continued taking money from you, plus actually asking you to send proof of what they would already have had on their screen, reinforces the whole point of this thread - I bet they didn't give you any interest on that refund:mad: :mad: :mad:

Bruce123_2

wrote:

Your right no interest paid, no apology, no nothing, there probably just sitting there cursing (another £132 out of their millions in profit)

Tootsie_Roll

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:

Before going into the debt collection department I was an underwriter - I made the step up without too many problems.

Mike_St_Helens

Tootsie_Roll wrote:

Before going into the debt collection department I was an underwriter - I made the step up without too many problems.

I had been a senior underwriter for many many years, Underwriting and collections go hand in hand, yet still I cant see your view on things.

sparkle84

Tootsie_Roll wrote:

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.

Sorry I didn't make myself clear they did pressurise me this of course was made even worse because of my medical condition - they have been reported.

The point I was making was that the OFT are fairly useless however when the FSA take over this should improve. It is interesting to note that the if you make a complaint to it about the conduct of a regulated firm, the firm has to pay the costs of the process.

Also, the decisions of the FOS do not need to follow the strict legal process (i.e. he can take into account fairness) and his decission is unappealable by the firm, but not by the consumer.

Tootsie_Roll

Mike_St_Helens wrote:

I had been a senior underwriter for many many years, Underwriting and collections go hand in hand, yet still I cant see your view on things.

It's not my view - it's the way things are, you just choose not to accept it.

gallygirl

Tootsie_Roll wrote:

It's not my view - it's the way things are, you just choose not to accept it.

Gulp...... I really don't think that was a very wise thing to say Tootsie Roll.

Mike_St_Helens

Tootsie_Roll wrote:

It's not my view - it's the way things are, you just choose not to accept it.

Really. Well it just shows that you and your profession are truley matched, Both bigots. This is the last post I am adding to this thread. I am walking away head high from your pathetic comments that are not of any use to anyone who needs help, they are there simply to put people down.