Moorcroft Debt Recovery - Help Needed

georgina_fenwick

Hi, i'm not sure if i'm posting in the right place, if not then i apologise.

I am currently paying an old debt to Moorcroft Debt Recovery Ltd.

I have been paying this debt since 23/02/2000 the starting balance was £2024.21 and i have made regular payments to a collection agent every 2 weeks since then, the balance is now showing as £280.00.

Tonight she knocks on my door and says she needs to have a word with me, i say ok, and she shows me a letter saying i owe £699.38, the account and reference numbers match up with what is on my payment cards (i have kept them ALL, i staple them together). I'm not sure if they are saying this £699.38
is on top of the £280.00 or a total balance.

So i have just rang Moorcroft and they say the opening balance was £3000+ and i have been sent letters in the past.

I haven't received any letters from them, the only thing i used to get was a form to fill in with my last 3 payment amounts and date i paid them and the balance i had showing as still owed. This was only in the very beginning for about maybe a year.

She says she is sending me a statement out, i told her as far as i am concerned i only owe £280.00, as thats what my payment card says.

Can i fight this?

Can they tell me after SEVEN years i owe more?

Someone please help.

Thanks

Georgina

rog2

It may surprise you to know that Moorcroft are not held in very high esteem on this board. In fact their activities border on criminal.
You are entitled to a Full and Detailed statement from them AND you are entitled to question any charges that they may have added to the original debt.
Moorcroft should have made an appointment before sending one of their 'heavies' to your house.
If you have ANY misgivings about the information they are giving you, then talk to one of the debt charities, such as CAB, CCCS or PAYPLAN.

georgina_fenwick

Hi, sent the request for the cca recorded on wednesday.

Today i have received a statement from them and rang them this morning to get them to explain it to me as it has a differnet amount yet again.

Even before i said why i was ringing he told me the balance on my account was £689.38 (cos tuesdays paymernt has come off) but then i explained why i was calling, that i wanted the statement explained as it has a start date of 27/04/06 balance £2064.21 then a long list of payments (31 @ £10) and a closing date of 07/07/07 and a closing balance of £315.00.

Something wrong somewhere!!!!!

At first he wanted me to send the statement back to them because it must be wrong.

He went away and had a word with the girl i spoke to on tuesday and came back and said "she has done some paperwork on your account and reduced the balalce to £325 and with tuesdays payment it makes it £315".

To me this is very strange, i have told him i want to know what she 'paperwork' she did to change the amount as i would need the information for the CAB. he is sending me a load of stuff out.

Anyway i told him i would still only pay the £280 as that is what is on my payment card, he said to send copies of the cards and they would reduce it to the £280.

rog2

Very strange, Georgina - just shows how disorganised MOORCROFT are.

climbgirl

It is very strange, what a nightmare to deal with! Do you have any paperwork showing the opening balance and the payments made?

georgina_fenwick

climbgirl wrote: »

It is very strange, what a nightmare to deal with! Do you have any paperwork showing the opening balance and the payments made?

All i have are the payment cards, but i have kept them all.

The opening balance was £2024.21 on 23/02/2000 and now stands at £280.00 on 17/07/07. This is what is shown on my payment cards.

This is the ONLY info i have had for the last 7 years, so i am arguing if it was wrong then why in 7 years have they not told me.

On wednesday i rang CCCS to ask if they could make me pay the new higher amount and he said they could, but i could still fight it. And he said to send the request for the cca and to keep making my payments but if i don't get the cca within 40 days not to pay them any more.

So i will just have to wait and see what they send.

georgina_fenwick

A couple of days ago i got another statement, an exact copy of the first one they sent me except for the date it was printed.

So far they have not cashed the cheque for £1 for the cca and the initial 12 days is up on tuesday (letter was delivered and signed for on 19/07/07).

Can someone tell me exactly what will happen if they don't send me the cca i have requested? And what it all means.

This is all new to me, i was quite happy to continue paying the debt, until they changed the amount.


georgina

georgina_fenwick

Hi, i just got a letter in the post, this is what it says:

---

Dear Miss XXXXXXXXX

We can confirm that we are unable to supply a copy of the consumer credit agreement at this stage. We have therefore returned the payment you have made.

We are instructed however that our client's records do show the goods have been charged to your account, as ordered, and that full payment has not yet been received.

We can confirm therefore that a default remains in relation to this account and would remind you that making payment to clear the balance may assign in relation to your credit history.

Please confirm that you accept that goods were ordered and received and let us have your settlement proposals.

Yours sincerely

Mrs K XXXX
Operational Support Supervisor.

---

Sooooooo, what do i do now?

Thanks

georgina

vordhosbn

georgina_fenwick wrote: »

Hi, i just got a letter in the post, this is what it says:

---

Dear Miss XXXXXXXXX

We can confirm that we are unable to supply a copy of the consumer credit agreement at this stage. We have therefore returned the payment you have made.

We are instructed however that our client's records do show the goods have been charged to your account, as ordered, and that full payment has not yet been received.

We can confirm therefore that a default remains in relation to this account and would remind you that making payment to clear the balance may assign in relation to your credit history.

Please confirm that you accept that goods were ordered and received and let us have your settlement proposals.

Yours sincerely

Mrs K XXXX
Operational Support Supervisor.

---

Sooooooo, what do i do now?

Thanks

georgina

I have just received the same letter, word for word (but obviously addressed to me lol)

What now?

Pere_Ubu

I had similar experience with Moorecroft. I asked for a statement of payments which they provided. After totalling what I had paid and the remaining balance they were about £200 over what the true balance should have been. Then I sent them a cheque to get a copy of the agreement originally signed with the then Midland Bank. They couldn't provide it so hey presto the "debt" was wiped out! I have learnt from bitter experience that to give too much time worrying about debt is fruitless. You acknowledge the debt and start paying what ever you agree. End of story simply keep up the payments and hopefully learn from the experience.

RAS

Hi guys

What payment have they returned to you? The £1 for the CCA?