Moorcroft help required please.

Sky_High

Hi

I have been servicing a debt of £7k with Moorcroft. They recently requested a new I&E, and i have had to reduce the payments by about £3, due to increases in rent and Council tax. Their reply has been " Our client has said your repayment falls outside their guidelines " Which to me sounds like they don't accept it. I cannot pay them more, i am disabled, and on benefits, and due to my condition , i will never be able to work again. 

They asked me to phone (I will not, and they have been told i will only communicate via snail mail. I plan on just paying the new figure, which clearly shows what i can afford, Am i ok doing that or can they force any action, despite my payment. Mind you it would look pretty bad for them i should think if they tried to take any action, as i am paying what i can.

Any advice appreciated.

fatbelly

Just pay them the £3 then. 

If you want to engage, ask them for a copy of their client's guidelines.

Unlikely to exist. 

Are you in Scotland?

ManyWays

who is the lender, what sort of debt is this, what is the balance and what are you paying them now?
do you have other debts as well, are you paying them in full? 

Sky_High

fatbelly said:

Just pay them the £3 then. 

If you want to engage, ask them for a copy of their client's guidelines.

Unlikely to exist. 

Are you in Scotland?

Yes

ManyWays said:

who is the lender, what sort of debt is this, what is the balance and what are you paying them now?
do you have other debts as well, are you paying them in full? 

Santander loan, many year's ago. Moorcroft are acting on their behalf, Balance is around 6k. Was paying £17pm, But due to Social housing rent increases, and Council tax, i had to lower it to just over £15 pm. All info as to why i had to reduce it was in the I&E

Thanks to both for the replies. much appreciated.

ManyWays

was the loan a very long time ago? 10+ years? what is the current balance? 
do you have other debts as well? do you own a car?

sourcrates

Moorcroft only manage their clients debts, so they have no authority to enforce anything, they cannot take legal action as they are not the debts owner, so they are powerless to do anything except reiterate their clients wishes.

I honestly don`t know why anyone engages with the likes of Moorcroft at all, they are simply a 3rd party interloper with no authority whatsoever.

Sky_High

ManyWays said:

was the loan a very long time ago? 10+ years? what is the current balance? 
do you have other debts as well? do you own a car?

Yes it was over 10yrs, but i already did a CCA a few year's ago, and supplied the credit agreement. I dont own a car, as above the debt is around £7k, no other debt. ( I did pay two off by repayment a few year's ago) 

Thanks