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Phoenix recoveries! Help please

vordhosbn
vordhosbn Posts: 99 Forumite
in Debt-free wannabe
Time to ask for help agaiin...

some time ago I sent a CCA request to moorcroft, their response was sorry we cant provide this as we are no longer dealing with the account.

Today I have received a letter from Phoenix recoveries saying I must pay in full within seven days or call to make a payment arrangement and then the usual court threats.

What course of action do I take now? Thanks

Comments

  • RAS
    RAS Posts: 36,145 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    With whom did you have the original debt?
    If you've have not made a mistake, you've made nothing
  • vordhosbn
    vordhosbn Posts: 99 Forumite
    shop direct (argos additions)

    There is also a letter to give notice of legal assignment of the debt due...etc
  • vordhosbn
    vordhosbn Posts: 99 Forumite
    Well, I'm not sure if its the right thing to do but after reading through other posts I am going to send these new lot a CCA request and take it from there.
  • vordhosbn
    vordhosbn Posts: 99 Forumite
    as the boards are so quiet I'll bring this back up again. :o

    Should I send the CCA request?
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    vordhosbn wrote: »
    Time to ask for help agaiin...

    some time ago I sent a CCA request to moorcroft, their response was sorry we cant provide this as we are no longer dealing with the account.

    Today I have received a letter from Phoenix recoveries saying I must pay in full within seven days or call to make a payment arrangement and then the usual court threats.

    What course of action do I take now? Thanks

    Hi vordhosbn - I'm sorry that your thread does not appear to be getting much attention. Moorcroft are a particularily slippery crowd and it would be easy to think that there is some link, or at least collusion, between them and Pheonix Recoveries. I'm not sure on that, but would like to ask/clarify a couple of points.

    How long was it between you asking Moorcroft for a true copy of the original Consumer Credit Agreement and their reply, to you, that they were unable to provide the cca as they were 'no longer dealing with the account'? IF it was more than 12 working days, then Moorcroft were already in contravention of the conditions of the Consumer Credit Act and the 'agreement' would no longer be enforceable without a court order.
    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 DEBTS
  • vordhosbn
    vordhosbn Posts: 99 Forumite
    The CCA request was received by moorcroft on the 25th june...they replied the same day they got it, just checked on the letter and it is dated 25th june also! I posted the request on the 19th june so it seems they were well within the time limit.
  • RAS
    RAS Posts: 36,145 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Rog

    For you consideration here. Not sure on this one myslf.
    If you've have not made a mistake, you've made nothing
This discussion has been closed.
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