Moorcroft Debt Recovery

mrstemperton

I was wondering how many of you have had dealings with Moorcroft and what the chances are of me getting a CCJ from them?

I stopped paying this credit card in 2010 (can't even remember who it was with now) I think it was when a relationship broke down, I moved house, had to get a new bank account because we only had a joint etc etc etc. Anyway I totally forgot about it until a while ago my mum started getting letter to her address about this £228 debt. If I'm being honest my thought process was that it 's not long until it is due to drop off my credit report and if i start paying it, it's just going to prolong it.

What I want to know is, are they all talk or am I likely to have a CCJ filed against me by Moorcroft for the non payment of such a small debt? I have also never corresponded with them since they took over the debt.

glentoran99

mrstemperton wrote: »

I was wondering how many of you have had dealings with Moorcroft and what the chances are of me getting a CCJ from them?

I stopped paying this credit card in 2010 (can't even remember who it was with now) I think it was when a relationship broke down, I moved house, had to get a new bank account because we only had a joint etc etc etc. Anyway I totally forgot about it until a while ago my mum started getting letter to her address about this £228 debt. If I'm being honest my thought process was that it 's not long until it is due to drop off my credit report and if i start paying it, it's just going to prolong it.

What I want to know is, are they all talk or am I likely to have a CCJ filed against me by Moorcroft for the non payment of such a small debt? I have also never corresponded with them since they took over the debt.

It wont prolong it if you start paying it, it will drop off 6 years from default paid or not, if they have started chasing it the next step could well be a CCJ, up to you if you want to take that chance

McKneff

They can issue you with court proceeding at any time.

£228 is not such a small debt. Some people on here would cut their right arm off for a balance o £228 in their bank.


Sorry, but if its your opinion that its such a small debt, why dont you just pay it. Or make them an offer to clear it.

mrstemperton

They've been chasing it for a couple of years. I was more looking at personal dealings with Moorcroft.

fermi

Can't say I recall Moroncroft ever going for a CCJ, as they tend to be collecting on behalf of someone else and do not have the authority. Or at very least, it's as rare as hen's teeth.

That size of debt also makes in much less likely.

When in 2010 did you stop paying?

When (year and month if you know) was the card first taken out?

mrstemperton

fermi wrote: »

Can't say I recall Moroncroft ever going for a CCJ, as they tend to be collecting on behalf of someone else and do not have the authority. Or at very least, it's as rare as hen's teeth.

That size of debt also makes in much less likely.

When in 2010 did you stop paying?

When (year and month if you know) was the card first taken out?

Thank you for your response. I was mistaken, this card actually defaulted Jan 2011 and was taken out October 2007.

glentoran99

fermi wrote: »

Can't say I recall Moroncroft ever going for a CCJ, as they tend to be collecting on behalf of someone else and do not have the authority. Or at very least, it's as rare as hen's teeth.

That size of debt also makes in much less likely.

When in 2010 did you stop paying?

When (year and month if you know) was the card first taken out?

I done a quick google search and found a few records of people complaining of CCJS by Moorcroft, much larger amounts in some of the cases though


one here although no value mentioned


https://forums.moneysavingexpert.com/discussion/2024999

National_Debtline

Hi mrstemperton


A couple of extra things to bear in mind:


- You don't say exactly when in 2010 you stopped paying this debt. If six years pass from the "cause of action" (typically the date of your first missed payment) without the creditor starting court action, and you make no payments or written acknowledgements of the debt in that time, it may become "statute barred" and thus unenforceable in court. More info here:


https://www.nationaldebtline.org/EW/factsheets/Pages/25%20EW%20Time%20limits%20for%20recovering%20debts/Default.aspx


- If Moorcroft were to sue you for the debt (and you had no grounds to dispute it such as the six-year rule), you would still be able to avoid the judgment being recorded on your file by settling in full within one month of the judgment being made. By that point, of course, it would be £228 plus court costs.


- There is no sure-fire way of anticipating whether Moorcroft would sue or not. Stranger things have happened, and smaller amounts have been sued for. Then again, Moorcroft may know next to nothing about your current financial position, in which case it would be a shot in the dark for them to sue you and they may be worried about leaving themselves out of pocket.


Dennis
@natdebtline


EDIT - posted this only having seen OP's original post, so haven't taken into account their subsequent comments.

fermi

mrstemperton wrote: »

Thank you for your response. I was mistaken, this card actually defaulted Jan 2011 and was taken out October 2007.

That takes away two possible avenues or points of leverage then.

If you are going to respond to them, it may still be worth doing this though....

https://www.nationaldebtline.org/EW/factsheets/Pages/gettinginformationfromyourcreditors/Page-04.aspx

mrstemperton

fermi wrote: »

That takes away two possible avenues or points of leverage then.

If you are going to respond to them, it may still be worth doing this though....

What leverage is taken away?

What will the letter achieve please? Do you think they may not have this information?

mrstemperton

National_Debtline wrote: »

Hi mrstemperton

- If Moorcroft were to sue you for the debt (and you had no grounds to dispute it such as the six-year rule), you would still be able to avoid the judgment being recorded on your file by settling in full within one month of the judgment being made. By that point, of course, it would be £228 plus court costs.

This is good to know, thank you.