Knock on the Door - What to Do - Help

daveredding

My partner got herself into serious debt. She has used the CCCS for the last 3 years. I have now raised some money to clear her debts and proceeded to contact the companies for settlement figure.

All of them have been more than accomadating in reducing the balance and taking payment, with the exception of 1.

This was a loan with Nationwide, which is being handled by Moorcroft Debt Recovery.

I asked if they would reduce the amount, but they said as a payment had not been received from CCCS since May, this matter had now been put in the hands of the debt collectors. We dont know why CCCS have not paid it as everyone else has. But the issue was the Stroppy git on the end of the phone, who very obnoxiously said he didnt care as the debt collectors were coming to collect the outstanding.

As it is, my partner only lives with me, so I'm hoping they have no right to even come in the house.

But could someone advise me on the legalities of these people who are due to turn up.
And secondly, how can we try and avoid this, get a reduced settlement and call it a day with this debt.

We dont even know who the debt recovery company are as we have had no notification. (if moorcroft dont do it themselves)

Any help would be appreciated.


Dave

sgx.saint

Unless the people coming to your house are court appointed baliffs (which they wont be) then they have no rights whatsoever.

Just tell them to go away, and sort out repayment again with Moorcroft. Ignore the muppet on the phone and send them a letter offering your full and final settlement.

sgx.saint

http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6

BTW, if you visit the above website there should be a sample letter to allow you to send to your creditors, labelled something like "Full and Final Settlement Letter". Just thought this may help.

ben500

If I'm not mistaken even a court appointed bailiff cannot enter your property without an invitation in the absence of a warrant. Beware though even opening a window to speak to them is considered an "invitation"

Mike_St_Helens

Moorecroft- my mates, no dount tootsie roll will behere soon defending them. they are scum, dont listen to them, they do not listen and are a bunch of idiots. They wont send anyone out, not at all... it costs them far too much, its all threat.

Just deal with the debt in your own way and ignore what they write/say to you.

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

Mike

sgx.saint

If I'm not mistaken even a court appointed bailiff cannot enter your property without an invitation in the absence of a warrant. Beware though even opening a window to speak to them is considered an "invitation"

Yeah, also very true

daveredding

Put my partneres mind at rest.

Thanks for all your comments.

Dave

fatbelly

I would also add that you're assuming that Moorcroft are telling you the truth, and that CCCS have suddenly stopped passing on your payments.

I feel this is unlikely to be the case...

AGB863

daveredding wrote:

I asked if they would reduce the amount, but they said as a payment had not been received from CCCS since May,Dave

Have you spoken to CCCS to find out if the statement is correct?