Received letter from Moorcroft - can't find the right letter to respond

4nnabella

Hi everyone

So, I've been on a DMP with Payplan for about five years, and am half way through paying off my debt. As far as I am concerned, all my creditors have accepted the payment offers, interest has been frozen, everything is ticking along just fine...

The other day, I get home to a letter from Moorcroft, which has confused me!! The letter says:

'Dear Miss X

We are agents of "Barclays Partner Finance".

Their records show that the above account has a balance of £4,262.71. They have therefore asked us to contact the account holder to discuss the account and we have been provided this address by a Credit Reference Agency that supply us with address links based on the information they hold. Please contact us to confirm the position and so that we can make the appropriate arrangements.

However, if you believe that you are not the person responsible for the account, it is important you contact us immediately, either by telephone or letter.

Thank you for your co-operation in this matter, etc etc...'

Ok, so, the first thing I have done is send a copy of the letter to Payplan. The debt I think they are referring to was a loan I took out from Clydesdale Financial Services, which, according to my account on Justabank, is now known as Barclays Partner Finance. However, it is being paid off and the balance is now approx £2,800. I have been living at this address for over a year now, but recently signed up for the Equifax free trial, so I don't know whether the activity there caused something to ping on their system and link me with my old addresses.

Basically, I don't know whether I need to write to them,or can I just leave it to Payplan? I've had a look at the letter templates on the National Debtline website, but not sure which one, if any, I should use.

Any advice?

Thanks in advance!!

lindann_2

moorcroft is a debt collection, we was with rbs and moorcroft taking it over payments, so it maybe that the debt has been passed on to them, ask payplan contact them, (moorcroft) if they taken it over there would be account no will be the same l think. The balance should be also cleared up too... I would write to moorcroft stating you paying this debt through Payplan, under the umbrella name of barclay etc.. Also you dispute the amount.... you can get off payplan, list of all payments made to the creditor.. good luck

fermi

Payplan should be the ones to deal with it.

As you have payplan representing you, you shouldn't have to deal with them.

https://forums.moneysavingexpert.com/discussion/2992820

Deceptive and/or unfair methods

2.7 Dealings with debtors are not to be deceitful and/or unfair.

2.8 Examples of unfair practices are as follows:

a. sending demands for payment to an individual when it is uncertain that they are the debtor in question, for example, threatening debt recovery action to 'the occupier' or sending a payment demand to all people sharing the same name/date of birth as a debtor in the hope that contact with the correct debtor will be made.

b. disclosing debt details to an individual when it is uncertain that they are the debtor in question, for example, disclosing details to 'the occupier' of an address.

c. refusing to deal with appointed or authorised third parties, such as Citizens Advice Bureaux, independent advice centres or money advisers

d. contacting debtors directly and bypassing their appointed representatives

e. operating a policy, without reason, of refusing to negotiate with debt management companies

f. passing on debtor details to debt management companies without the debtors' informed prior consent

g. failing to refer on to the creditor reasonable offers to pay by instalments

h. not passing on payments received within a reasonable time resulting in delays that adversely affect a debtor's financial position.

i. failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued

j. requiring an individual to supply information to prove they are not the debtor in question, for example, driving licences, passports, full name, date of birth, signatures

k. not ceasing collection activity whilst investigating a reasonably queried or disputed debt.