Moorcroft Debt Recovery - help & advice needed

gailey_2

I been dealing with them too.

On friday spoke to some rude bloke tried to make partial payment with paypal topup card which they wouldent accept despite money being on card as loaded it up myself.
Explained would have to go bank take money out top up card and payinto bank and they gotr snappy with me asking why couldent do it online, but I dont do online banking and cant easily transfer between topupcard and current account.

Rang today made partial payment and set up direct debit woman was slightly better but not very cheerful.
Despite me ringing them friday had nasty letter in bright yellow enevelope poor postman must be blinded!

From precourt division nottice of possible litigation saying as well as debt would have 15quid admin fees and 75pounds soliciters cost on 152 debt.
Have paid 25today so 127left which will do as determined to keep these idiots away.

Good luck anyone who has to deal with them, they quite rude and aggressive.

girl_in_need

Lyndell wrote: »

I will try to keep this as brief as possible. My son has been having serious financial problems since his business failed but he has managed to sell his house at a give-away price to pay off most of his debts. He has one credit card left and owes Sainsbury around £8k. He has no way of paying this as he is unemployed and to be fair Sainsbury have allowed him to pay £5 a month until his circumstances change. He had a letter from them dated 17th September 2010 saying they will review his position again in 6 months. Now out of the blue he has received a letter from Moorcroft Debt Recovery – Pre Court Division. The letter states:- We have been instructed by Sainsbury Bank to collect your overdue debt of £8451.10. It is a legal requirement to send a notice of intended litigation before legal proceedings in the County Court are issued. We believe that this letter fulfils this requirement even if it is not actually read by you.

To prevent our recommending to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay. Payment should be submitted in full within 7 days or contact made with this office immediately by telephone or letter, with your payment offer. Both our client and we do not wish to take this action but if agreement cannot be reached by 09/11/10, a claim may be issued by our client’s solicitors without further notice.

We would draw to your attention that if Judgement and an order for repayment in full is obtained and remains unpaid, a range of court enforcement options are available and may be considered. We would emphasise that should Judgement be entered against you this may affect any future credit application you make elsewhere. We would also draw to your attention that all legal costs incurred are usually payable by the debtor.

Please contact us today as we will be happy to discuss a repayment programme that you can afford and maintain. All payments must be payable to Moorcroft Debt Recovery Ltd and forwarded with this letter to the above address.

My son is really struggling to cope and to be honest I was not aware of just how bad things were until a few months ago. He immediately rang Moorcroft as he was so worried but they didn’t seem interested in agreeing a payment plan they seem to be pushing him for full settlement. This is totally impossible, we are not a rich family but I can raise about 50% of it – is it worth writing to them stating that we will pay this as full settlement. I have told him not to ring them at all as I realise everything has to be put in writing. He knows he has to pay the debt but at present would only be able to offer a minimal amount a month i.e. £20. There are so many questions going round in his head:- will they add interest to the amount he already owes, will they take him to court even if he offers to pay so much a month, if they do will he be liable for the costs etc? I think he has had his card for about 2 years – is it worth asking them for the CCA to give him a bit of time to try and sort things out?

One last point, would it be worth writing to Sainsbury again bearing in mind that they only wrote to him in September giving him 6 months at a payment plan of £5 per month. He cannot understand why, a few weeks later, they have passed it on to Moorcroft.

Sorry this is so long but I would appreciate any help as to what he should put in his letter. Thank you in advance.

hi Lyndell
I can understand how you and your son must feel . I've had letters from mooorcroft in the past and it not nice at all getting them . my advice to you is , if your son has made an agreement with sainsbury to pay them £5 a mouth then you should (or your son) should say in a letter to moorcroft that he has made an argeement with sainsbury to pay £5 a month and that is what he is sticking to. I hope that helps

lindann_2

I had my debt passed to moorcroft, by RBS.. l have been on DMP with, payplan.. moorcroft has been okish, nothing stands out that they have been nasty.... I may been lucky.. wishing everyone best of luck...