Moorcroft - Pre Court Division please help!

littlepinkstars44

Just received a letter through the door from Moorcroft pre court division.

Stating i owe Virgin Mobile £56...which i am a bit confused about, as my online balance with Virgin states £98.
I don't have a problem paying it, i got a new phone and ended my contract with Virgin, sent them a cheque for £40 2 weeks ago, and was planning on doing that every month till it was paid off. I can't afford to pay them anything again until i get my student loan through on the 7th of March. Can someone please tell me what i should do? should i phone them and mention the balance with Virgin, and that i don't get my loan in again till the 7th?

But this letter says:
"It is a legal requirement to send notice of intended litigation before legal proceedings are issued. We believe that this letter fufills this requirement even if it not actually read by you.

To prevent our recommending to our client that legal action be taken by external solicitors instructed to act on behalf of our client 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, (telephone number). Both our clint and we do not wish to take this step, but if agreement cannot be reached by 23/2/11 an action may be issued by solicitors instructed to act on behalf of our client without further notice.

We would draw your attention that if a decree and an order for repayment in full is obtaned and remains unpaid, a range of court enforcement option are available and may be considered.
We would emphasise that should a decree be entered against you this may affect any future credit application you make elsewhere. We would also draw to your attention that 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 may be able to offer a substantial discount from the outstanding balance in certain circumstances.

littlepinkstars44

anyone have any advice? Just because they close at 4pm on Saturdays and i need to leave at 3:30 for work, and i kinda want to get this sorted today.

thechippy

Ignore these morons.
Moroncroft are idiots. "this is valid even if not read by you".....:rotfl:

Just make the payment that you were going to make on the 7th.

The chances of them litigating on this is zero. They probably don't even own the debt, so only the original creditor can litigate.

As I said, kids using thier red crayons - ignore...;):D

skint-student-nurse

And,you should only ever contact a DCA by letter DO NOT ring them!

Jinx

littlepinkstars44 wrote: »

Just received a letter through the door from Moorcroft pre court division.

But this letter says:
"It is a legal requirement to send notice of intended litigation before legal proceedings are issued. We believe that this letter fufills this requirement even if it not actually read by you.

To prevent our recommending to our client that legal action be taken by external solicitors instructed to act on behalf of our client 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, (telephone number). Both our clint and we do not wish to take this step, but if agreement cannot be reached by 23/2/11 an action may be issued by solicitors instructed to act on behalf of our client without further notice.

We would draw your attention that if a decree and an order for repayment in full is obtaned and remains unpaid, a range of court enforcement option are available and may be considered.
We would emphasise that should a decree be entered against you this may affect any future credit application you make elsewhere. We would also draw to your attention that 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 may be able to offer a substantial discount from the outstanding balance in certain circumstances.

Okay there are a lots of ifs and maybes in there.... If you plan to pay the cash I think you should send a letter stating your intentions recorded delivery. Then in the offchance it goes to court you can prove you made an offer and they have disregarded it.

Also fyi I have hundreds of letters from Moorcroft for my previous Egg debt and never went near court. I did occasionally respond, usually to tell them I was changing my monthly payment and never got near court despite 2 threat letters a month. HTH

Olive_Oyl

I agree with the above Moorcroft are a bunch of bully boys all mouth & no action .

Go ahead and make the payment as you planned & shred the letter .

thechippy

It's also worth bearing in mind that the "pre court division" is just a desk in the loo's along the corridoor, "manned" by a nappy wearing spotty oik, who has as much legal knowledge as my prawn curry....:rotfl:

littlepinkstars44

Well i ended up phoning them. Got asked all sorts of random questions like do i pay a mortgage?
I paid the £6 to keep them happy, and said i'll pay the £50 on the 7th when i get my loan in.

Jinx

Please be careful talking to them on the phone - the reason they ask do you pay a mortgage is because you may have equity/an asset (but it would be a looooong process involving court etc to get any of that).... And if you've given them more cash then they may think you can afford more than 50 a month you've budgeted....

littlepinkstars44

Thanks Jinx, i told them them the truth i'm a full time student, and was planning on paying the £40 on the 7th. I've sold a few things on ebay in the past week, so i'll keep £10 from that and add to the £40 i was going to send, and at least that way it's cleared then.

Jinx

Sounds like you're sorted