Dmp with stepchange & checked statement

chish

Hi I have a dmp with stepchange and a couple of weeks ago moorcroft rang me at work , I wasn't able to talk to them in work time , tonight I have noticed a dmp I was paying to them has disappeared also I got a letter of moorcroft insisting I pay it all of in one go or they will take the matter further , I will phone stepchange Tommorow to see what my next step is , any advice as I cannot afford to pay any more then I do pay

sourcrates

chish wrote: »

tonight I have noticed a dmp I was paying to them has disappeared

Hi Chish,

Explain what you mean by the above statement, you either have a DMP (debt management plan) or you don't.

Moorcroft can be ignored with their computer generated theatograms, they will be managing the debt for the original creditor, think toothless tiger, what is it you think they are going to do to you ? ?

They are basically a hired mouthpiece, nothing more.

chish

Hi I currently have a dmp with stepchange with 6 debts but there are only 5 showing where I've made payments to
A Halifax credit card is showing how much I have paid since starting my dmp 3 years ago but now it's showing no payment have been made for 2 months even thou I pay X amount a month for all 6 any ideas why stepchange haven't paid them , I do t have to phone moorcroft do I :-( or do I just phone stepchange
Chish

sourcrates

chish wrote: »

Hi I currently have a dmp with stepchange with 6 debts but there are only 5 showing where I've made payments to
A Halifax credit card is showing how much I have paid since starting my dmp 3 years ago but now it's showing no payment have been made for 2 months even thou I pay X amount a month for all 6 any ideas why stepchange haven't paid them , I do t have to phone moorcroft do I :-( or do I just phone stepchange
Chish

It's most likely just a glitch at stepchanges end.

You contact stepchange, not moorcroft, who is the creditor moorcroft are collecting for ?

I assume they are aware of your DMP, in any case it may be prudent to remind them.

A short letter to moorcroft stating your on a DMP and giving your stepchange ref number, will silence them, also tell them not to contact you by phone again.

sourcrates

Chish,

There are two types of debt collector.

Some are just hired to Collect debts on there clients behalf, others buy old debts from banks etc.

Those who are hired have no authority as its retained by the original creditor, so you can ignore them.

Those who buy old debts also inherit all rights and privileges of the original creditor, you should not ignore them.

A DCA will usually tell you if they have bought a debt, or are, as in moorcrofts case, just managing it.

January2015

chish wrote: »

Hi I currently have a dmp with stepchange with 6 debts but there are only 5 showing where I've made payments to
A Halifax credit card is showing how much I have paid since starting my dmp 3 years ago but now it's showing no payment have been made for 2 months even thou I pay X amount a month for all 6 any ideas why stepchange haven't paid them , I do t have to phone moorcroft do I :-( or do I just phone stepchange
Chish

I am no longer with Stepchange for my DMP but started out with them. Something similar happened with some of our accounts when we logged into our SC account online. It turned out (in our case) that the debt(s) were in the process of being transferred from original creditor to a debt collection agency. SC had tried to pay and the funds had been returned. Our account showed no payment had been made to the creditor. SC held the money and once they were notified of the DCA they paid all the money being held for that particular debt to the DCA.

Hopefully you will be in a similar situation but it's best to contact SC to confirm what's going on with your SC account.

Not sure what Moorcroft are playing at though so can't offer any advice on that score. Sorry

sourcrates

January2015 wrote: »

I am no longer with Stepchange for my DMP but started out with them. Something similar happened with some of our accounts when we logged into our SC account online. It turned out (in our case) that the debt(s) were in the process of being transferred from original creditor to a debt collection agency. SC had tried to pay and the funds had been returned. Our account showed no payment had been made to the creditor. SC held the money and once they were notified of the DCA they paid all the money being held for that particular debt to the DCA.

Hopefully you will be in a similar situation but it's best to contact SC to confirm what's going on with your SC account.

Not sure what Moorcroft are playing at though so can't offer any advice on that score. Sorry

They may just of passed the debt to Moorcroft and its had the same reaction as if it had been sold.

Some creditors insist you deal with the DCA, when in fact that's incorrect.

Ah just read it's the Hellifax, that explains things lol

chish

Yes it's a Halifax one that has not been paid , if moorcroft phone me at work I can basically say take my work number of your system ? ,
I will phone stepchange tomorrow and see what's going on , and tell them moorcroft sending letters and phone calls to work ,