Advice - PRA Group sold Debt to Moorcroft Debt Recovery

johnnybrando1981

Hi lovely people. 
Last time I was on the forum, some really helpful people gave me great advise regarding CCA's (all debts were unenforceable) and all has been quiet ever since other than the standard annual statement letter. 
I have today had a letter from PRA Group saying me debt is being transferred to Moorcroft Debt Recovery and they will be in contact? Quick google search and these two companies do seem to differ, PRA say they acquire 'nonperforming loans' where as Moorcroft are clear they are a debt recovery firm. Should I be worried? Will I get a knock on the door? Even though this dates back to 1999 these letters still worry me. The debts with PRA were not enforceable and I haven't heard anything to the contrary so Im assuming that remains the case. Can anyone advise what I should do? Should I contact Moorcroft, continue to ignore all comms, or do a fresh CCA? Thank you in advance
JB

sourcrates

Once unenforceable, always unenforceable, until the company provide what they are supposed to provide, it will remain that way no matter how long that may take.

PRA have turned tired of you, so are letting Moorcroft have a go now.

Moorcroft are just another debt purchasing company, as are PRA Group, the letters are bog standard run of the mill collection template letters, all DCA`s have there own versions of them.

Your response to Moorcroft, when they write to you, should be to reiterate the fact that the debt remains unenforceable as PRA either failed or were unable to respond to the CCA request you made on (insert date) and therefore until the situation is resolved by either, producing the correct documents as required under section 77/79 of the consumer credit act, or by closure of the account, you will not be discussing this matter any further.

Always respond in writing, much more professional.

johnnybrando1981

sourcrates said:

Once unenforceable, always unenforceable, until the company provide what they are supposed to provide, it will remain that way no matter how long that may take.

PRA have turned tired of you, so are letting Moorcroft have a go now.

Moorcroft are just another debt purchasing company, as are PRA Group, the letters are bog standard run of the mill collection template letters, all DCA`s have there own versions of them.

Your response to Moorcroft, when they write to you, should be to reiterate the fact that the debt remains unenforceable as PRA either failed or were unable to respond to the CCA request you made on (insert date) and therefore until the situation is resolved by either, producing the correct documents as required under section 77/79 of the consumer credit act, or by closure of the account, you will not be discussing this matter any further.

Always respond in writing, much more professional.

Thanks sourcrates great advise as ever