Moorcroft. What to do?

cruddybones

Hi, Im after a bit of advice and hoped someone maybe able to help.


Ill try and keep it brief.


13 years ago we got a ccj for an unpaid loan to direct line (rbs) and we got a judgement saying we needed to pay X pounds per month.


I have made the same payment every month via standing order without fail. The ccj dropped off my records years ago and we have an excellent credit report etc these days and have obtained (and paid!) other loans no problem.....


Two weeks ago we received a fishing letter from Moorcroft which I ignored. Today though we got the second later referencing the debt above and saying they are going to take further action in 7 days if we don't get in touch.


Now I am unsure what to do. I owe the money but have been paying what the court stated without fail since the judgement. I have never received any sort of communication from anyone since the agreement and have just continued to pay.


So what do I do now? I accept the original debt this is not in question but ive been paying what I was told to pay so how can someone now come looking for a settlement this far down the line?


Anybody?

Marktheshark

Right the important bit.
How many years since making a payment on it to now ?

cruddybones

Hi.


Ive paid every month since the date of the agreement. So ive made 13 years worth of payments.

Marktheshark

I think they can only collect what the CCJ value was plus any interest on the CCJ.
They can not say its CCJ =20% a year in the best of my knowledge.
Crunch some figures see if you have paid the value of the CCJ.

cruddybones

I have not paid the value of the CCJ- The loan was large and the monthly payment agreed small. The bit im trying to work out is how they can suddenly (seemingly) decide after 13 years they want something that the court did not agree to?


Would it not need to go back to court for them to ask for more etc?

Marktheshark

I would send them a prove it letter first to see if they have the correct paperwork to collect anything.

cruddybones

Ive drafted a reply detailing the agreement of the court and the fact that the debt is serviced in accordance with a court instruction. Ive asked them to provide any information that would prove I have not paid what the courts told me to pay. Is that ok?

sourcrates

Hi,
In a nutshell, you simply write to the DCA stating what you have told us above, that you are re-paying the debt on a monthly basis, as ordered by the court.

It could be the original creditor has sold the debt on, and not informed them of the CCJ in force.
Moorcroft will either refer back to the OC or you may have to start paying them, if they have bought it.

To find out, do as i have advised.

happy_bunny_2

You should have been getting statements.

I would do the above and say that you also want a statement of account. They nay have stuck on charges and not even know there is a CCJ.

cruddybones

Thanks for the replies. I will fire off a letter tomorrow recorded delivery.

Cheers.

cruddybones

Ps. The amount they say I owe does equate to roughly what I expected it to do less the 13 years of payments so that would suggest they have been knocking it down each month. I've also confirmed with my bank the total number of payments made and again this confirms I've been paying what I was told to.