moorcroft

Ineedaname

Not everyone wants to change their phone number though, I certainly don't. Anyway, the OP is receiving letters and the only phone call mentioned was from the OP to Moorcroft!

So the advice so far has been relevant to dealing with the letters.

fermi

Or save a stamp by emailing a scan of the BR order to [EMAIL="SarahPoitras@moorgroup.com"]SarahPoitras@moorgroup.com[/EMAIL] with a strong complaint.

Honestly though, Moroncroft can check online to confirm your BR in a few minutes, so claiming that they need to see a copy of the BR order is just bullshit.

alastairq

like I said....leave the 'contact ' to the OR..it is not the BR's responsibility.

If Moorcroft, or anybody else, sells on the debt [is that actually legal in these circumstances??}..then, if the new sucker...sorry, debt owner, contacts, pass any letters onto the OR as well...


It really beggar's belief that DCA's pursue debts which they are not entitled to pursue, in the manner described.....but few people get all self-righteous and moralistic about it...yet the opposite occurs regarding [usually ignorant] opinion of Bankruptcy]..

DrSqueeze

Ineedaname wrote: »

Not everyone wants to change their phone number though, I certainly don't. Anyway, the OP is receiving letters and the only phone call mentioned was from the OP to Moorcroft!

So the advice so far has been relevant to dealing with the letters.

True, but my suggestion was aimed at the other people posting in this thread who mentioned constant / abusive / bullying phone calls.

dojoman

DrSqueeze wrote: »

True, but my suggestion was aimed at the other people posting in this thread who mentioned constant / abusive / bullying phone calls.

I changed mine before going BR, told BT that I was getting nuisance calls, number was changed free of charge and it only took a couple of days, was best thing that I did. As for the letters, I just ignored them, I knew there was nothing they could do to me once I was BR.

alastairq

A point I'd like to make, which is often overlooked by both BR's and ''the others''....is that..like the DCAs moving their debts around....so does the BR.

When the Person petitioning BR gets the Judge's stamp on the BR petition, from that instant, all debts [that are included]..cease to be the responsibility of the BR, and become the responsibility of the Receiver.

Thus, no matter how morally responsible the BR feels about what were once their debts [and indeed, the views of others in this respect]...ownership is no longer theirs....neither is it the BR's position to interfere or negotiate with former creditors.


Along with cessation of responsibility for debts, the stamped petition [a Court Order]....also places all control of the BR's finances and assets into the hands of the Receiver.

The SOA is simply [subject to negotiation] what the Receiver allows the BR to live on, and support any family.

I mention this just in case someone thinks BR is an easy way of reneging on debts.

broxiebear1

thanks for the replys guys and gals :beer:
heres a letter i recieved weeks after contacting moorcroft
MIDAS CREDIT SERVICES
LITIGATION WARNING
we are part of the moorcroft group and are aware you have failed to reach a repayment agreement with moorcroft debt recovery ltd concerning the above account. we are now reviewing the account prior to the commencement of any possible legal action by external solictors acting on behalk of our clients.
to prevent possible further action you must contact moorcroft ltd at the following address
failure to contact moorcroft by the /06/06/11 may result in the issue of legal proceedings without further notice.
then it says PLEASE NOTE THAT AS WE HAVE SENT THIS LETTER WE HAVE ADDED £12.00 TO THE ABOVE BALANCE:rotfl:
are they thick or something when i phoned them they said i was liable for debt EVEN though i told her i was br i said that as i had included all my debts in br by law i was no longer liable for them
thank god i found this sight a long while ago its people like you that help in these dificult times thanks again
ps i forgot to photocopy forms think ill wait till dedline then send them 06/06/11 :A

Ineedaname

Errr, can you edit your version of their name please, before someone gets offended at the use of a swear word...

Don't forget, they are expecting to receive contact from you by that date, so if you want to abide by it you'll need to send stuff a few days beforehand.

I would still go with the rule that by law all the debts are to be handled by your OR now and you are not supposed to have any contact with your creditors. So just forward the original letters to your OR and let them deal with it. Less hassle for you over all.

tigerfeet2006

I would just forward any letters on to the OR and ignore them. If they do take you to court they hooraaah!! Go with your BO and present it to the judge and watch him give 'em a rollocking Great sport!

alastairq

and don't forget to ask the Judge for expenses.....at the DCA's expense, that is....??

Question......


do I detect a bit of an attempted fiddle happening, on the part of the DCA?

Are they in fact trying to 'jack-up'the amount they will claim is owing on the account, for when the Receiver contacts them?

Or will the OR simply look at the debt as the original amount [in total] borrowed?[less charges,etc??]
[I know division of assets amongst creditors is done subject to a diminishing formula]