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Moorcroft Debt Recovery - Help Needed
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Hiya,
My knowledge of this is that if they cannot supply you with a copy of the original signed agreement, they cannot enforce the debt. Thats not to say you don't owe it, just that you cannot be forced to pay it back, unless they come up with the documentation to support it.
Who was the original debt with?
If your credit file already has a default on it, then they can't do anything else to it to make it worse in these circumstances. I wouldn't reply by confirming you had the goods, as they've requested. I would ignore the letters and stop paying! However, if you do wish to pay, then it's on your terms and not theirs.
HTH0 -
georgina_fenwick wrote: »Hi, i just got a letter in the post, this is what it says:
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.
No cca = No collectable debt.
Please confirm that you accept that goods were ordered and received and let us have your settlement proposals.
Confirm NOTHING. You have asked Moorcroft for a cca - they have not sent you one. They are trying to force you into admitting a debt which may not exist.
Yours sincerely
Mrs K XXXX
Operational Support Supervisor.
Sooooooo, what do i do now?
Thanks
georgina
The same advice to you VH - Moorcroft are thugs !! :mad: :mad: :mad:I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
Oh thats good, thanks.
So will they just keep asking for it do you think?0 -
Oh thats good, thanks.
So will they just keep asking for it do you think?
If they do - just ignore them.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
And keep asking them to provide the CCA
THEY have to prove the debt - it's not up to you to prove you don't owe it, other way round
If they can't give you a CCA then they can't prove you owe this money DFW Nerd #025DFW no more! Officially debt free 2017 - now joining the MFW's!
My DFW Diary - blah- mildly funny stuff about my journey0
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