Moorcroft - Pre Court Division please help!

FTW

littlepinkstars44 wrote: »

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.

Have them prove before you pay anything, and even if they do prove, pay them what you can very comfortably afford.

You decide at what rate you pay them back at - it's not for them to decide for you.

Though personally, I would pay Moorcroft nothing - purely because it's Moorcroft, and I would (and many others) would love to see Moorcroft out of business.

But what everyone else has previously said about Moorcroft being utterly toothless - that's quite correct.

Johnny_Chaos

littlepinkstars44 wrote: »

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.

These letters make me laugh. It's garbage designed to confuse and frighten people. At no point in the letter does it say 'We are taking you to court.' Instead it says 'It is a legal requirement to send notice of intended litigation before legal proceedings are issued.' !!!!!!!

FTW

Johnny_Chaos wrote: »

These letters make me laugh. It's garbage designed to confuse and frighten people. At no point in the letter does it say 'We are taking you to court.' Instead it says 'It is a legal requirement to send notice of intended litigation before legal proceedings are issued.' !!!!!!!

Everything I've said is valid, even if read by no-one.

littlepinkstars44

FTW wrote: »

Have them prove before you pay anything, and even if they do prove, pay them what you can very comfortably afford.

You decide at what rate you pay them back at - it's not for them to decide for you.

Though personally, I would pay Moorcroft nothing - purely because it's Moorcroft, and I would (and many others) would love to see Moorcroft out of business.

But what everyone else has previously said about Moorcroft being utterly toothless - that's quite correct.

Prove what exactly?
And they haven't decided what and when i am paying them back, i have. I offered to pay the £6 then and there, in order to round it doen to £50 and the rest when i get my loan in.

I have never heard of Moorcroft before, and the woman i spoke to was very nice actually. I explained that my friend bought me a blackberry with a different network. so i phoned up virgin to cancel my contract, and was planning on paying it off. It has just been passed to them, because the contract with virgin is now ended.

Anyway its all sorted now anyway, so i'm not too fussed.

churchrat

The huge problem with dca's such as Moorcroft is that they (shock horror) dont always tell the truth. They have been known to agree one thing on the phone and then deny ever talking to you 24 hours later. That is why it is always a good idea to put every thing in writing and never agree anything on the phone.

fatbelly

littlepinkstars44 wrote: »

Well i ended up phoning them. Got asked all sorts of random questions like do i pay a mortgage?

That's not a random question.

In your case it's irrelevant, cos they will not be taking court action for your debt.

But for someone who owes several thousand, they will ask that question, and others, to find out whether (and how) a court judgement could be enforced.

A 'yes' to that question would mean they would be looking at a charging order.

That's why we say 'everything in writing' - keeps you in control of the dialogue.