MDR (Moorcroft Debt Recovery)

dave.cc

Good Evening Everyone,

I was just wondering if someone please give me some legal/debt advice. MDR have rang my parents asking to speak with me, my parents asked who was calling and asked how they got their number and the lady said "Oh you son must have gave it to us", I have NEVER given out my parents number before. Can they legally ring my parents, and ask for me, when I never gave them that number?

I had a similar experience with another debt recovery firm a few years ago and I'm not sure if what they did was legal. They sent a letter to one of my neighbours, it was addressed to me but with care of to their address.

I was wondering if anyone else has had any similar experiences like this? Or if anyone can tell me if what these two companies have done if legal and where I stand in these situations?

I appreciate anyones help in this matter.

Regards,

Dave

wealdroam

Surely debt collectors can ring anyone they like within reason, can't they?

If they use their heads and work out that you might be at your parents address, of course they can ring.

If they think they can get your number/address from your parents, or anyone else, I imagine that's fair game too.

It is their job to track down debtors.

Are they chasing a legitimate debt?

dave.cc

Yes they are, but I still don't know how they got my parents mobile phone number? I am in quite a strange situation, I work on board cruise ships sailing through different parts of the World, I am currently on vacation from them. As we work 6 months on 1 month off (so I am on my month off). I am trying to get my finances sorted but, I am finding it difficult as I have to get everything sorted in a very short time. I have been in contact with CCCS and they are assisting me. But it is very difficult whilst I am on board the cruise ship.

wealdroam

dave.cc wrote: »

...but I still don't know how they got my parents mobile phone number?

Ah.. a mobile number. You didn't say that in your original post.

Sorry no idea.

halibut2209

I don't know how they got that number, but they are clever.

But if you acknowledge that it's a genuine debt then your best bet is to contact them yourself. It won't go away. If you have trouble with payments then there is help available to you, but you are probably better posting it on one of the other forums, not consumer rights. Your debt won't change regardless of whether they contacted your parents.

MrRedundant

How dare they try and collect what you owe them by phoning you.Its a scandal. Your entire debt should be written off for this outrage..... or you could stop ducking their calls and speak to them and sort the problems and they wont need to hunt you down.

dave.cc

MrRedundant wrote: »

How dare they try and collect what you owe them by phoning you.Its a scandal. Your entire debt should be written off for this outrage..... or you could stop ducking their calls and speak to them and sort the problems and they wont need to hunt you down.

Excuse me the thing is that they haven't tried calling me! Also you read the previous post you would see that I AM actually trying to sort my finances out!!!

mo786uk

If its listed in the OFTs debt guidance then they are not allowed

http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/debt-collection

I have a feeling it is not allowed, especially sending letters to neighbours if they have no reason to believe you collect mail from there.

unholyangel

Not sure if the phone call would be covered depending on what exactly was discussed with your parents but the letter situation could possibly come under breach of DPA. Under DPA their records should be "correct and up to date". And they shouldnt keep any information that is not relevant.

While i agree debts shouldnt be avoided, debt collectors that go about their business in this mannner arent really helping anyone. They try and bully debtors into paying. I know of one company who rang the debtors parents and visited their neighbours and discussed the whole account, including what it was for, how much finance was outstanding, when payments had stopped etc.