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Link unenforceable debt and now Moorcroft
hi I have three unenforceable accounts , no CCAs produced with link . today received three letters from moorcoft debt recovery. Does this mean they have took over my account? I plan to to say that the debts are in unenforceable. Can anyone advise me please?
Letter says
‘Your account details have been passed to us by Barclay card owned by Lynne to act as a collection agent and we will now be dealing with your account’
Comments
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link ! Not Lynne haha
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Looks like Liink have just asked Moorcroft to try and get you to pay, just hang on and see what else they say.
If you go down to the woods today you better not go alone.1 -
If they are a collection agent then they are just pestering you on behalf of link. I would tell link once that you won't be paying and then completely ignore everything from everyone unless you get an Lba.
Moorcroft will probably do some combination of things to try and get you to engage with them. Typical tactics are mentioning a significant discount if you contact them without saying what it is, and using meaningless phrases like "further recovery action" to try and scare and mislead you. Eventually they will get bored and pass it back and then you might get someone else having a go.
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Thank you for your replies . so you think shouldn’t send letter to them telling them accounts are unenforceable? I have all paperwork stating that .
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It's entirely up to you whether you write, is it worth the cost of a stamp? Up to you.
If you go down to the woods today you better not go alone.1 -
The "unenforceable" status of your accounts only stops the creditor from taking legal action to recover the debts,
it does not stop collection activity, that will continue.
You can write and say you are not paying due to the lack of a compliant credit agreement, but as most of these systems are automated, it may not make much difference.
Eventually the accounts will be re-viewed, and if no contact, will likely move on to someone else.
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter2 -
I’ll ignore , thank you for replying . Yes not worth price of stamp and yes they will move onto someone else
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so today received three letters from Moorcroft again but this time saying that they will be sending their local representative on the 21st of October between the hours of 830 and 530. I have three unenforceable debts with Link. They have not been able to produce CCAs. I have messaged Link twice , once with letter and once through the complaints email stating that due to the debts being unenforceable, I would not be paying. Seems like Moorcroft are now sending scare tactics that they will visit. Should I send a letter to Moorcroft now? Or just sit in the house & not open the door?
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If they catch you in, simply inform them you do not conduct business at the doorstep, and to please leave.
That`s it, do not get into conversation with them, no need to say anything else.
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
thank you . I’ll be out all day as they are coming on a Wednesday ……apparently
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