UPDATE what happens now, IMPORTANT.CCA replies.heres my offers. and here's their discount

stu12345_2

made a standing order repayment schedule with moorcroft today of £40 monthly.that is below the £79 I was making via stepchange. for RBS credit card debt.

they were helpful.they simply pass the offer and money to RBS., end of story.
they said RBS don't query, nor do moorcroft normally.
I never did their income and expenditure forms either online or via a call to them today.they said I'm not legally required as I told them that fact 

I asked about full and final offer.they said it's 75% .no questions asked. they said as that is the RBS no questions asked rules they follow as the DCA for RBS.

they said if I offer 50 to 75% they may or may not want an SAO form to see how much I have left over at end of month after paying priority debts and creditors ,eg my savings pot fund . moorcroft accounts management would decide.a yes or no

if I go below a 50% offer ,RBS would need to see my full SAO in order to say yes or no.
 where they money is coming from etc and am I in priority debts arrears. eg more investigation.

Sly72

Having recently requested CCA vai PRA if its only the historic transactions in statements they have not provided then they wil, but it may be 3 months or so.  Once all my CCA info arrived i just registered on their website and selected what i could afford, no questions asked and payments are been made.

stu12345_2

the reply I made this morning was really moorcrofts way of accepting offers.whats your opinion.and also the thread about link financial I made 
what a crazy reply I got today. defaulted, not defaulted. no statement even tho I requested them with my CCA, what happens about that. and it said account closed. 
it's all getting double Dutch with link financial

stu12345_2

went on to PRA website last week , registered and did live chat ,I asked what is the documents they are waiting on. the guy on chat would email me answer as he didn't know

 got email today saying  PRA are waiting on Barclaycard to produce historic statements. and it will be  unenforceable until Barclaycard do.

 strange , as link financial spoke to me today about my aqua card account who they deemed enforceable when they only sent CCA and no statement. .I left a new comment on my Link financial  being difficult thread today. about the conversation I had this morning with them

sourcrates

Replied on your other post.