Moorcroft Debt collector..

DEBT_23

One of my debt is a £ 3086 credit card debt from halifax that until 3 month ago i havnt paid much off since i defaulted in 2003, moorcroft sent a collector round with a card, we agreed that i pay £20 a month and i have been doing so, until today he turned up and due to car bills and tax etc i have nothing much left and i cannot spare 20 this month. he says if i mess payments the bailifts will be round.. he only take payment via knocking on my door, do i have any rights?
this is one of the debts i want to send a CCA request to as i took out one credit card not two ( tho yes im wrong i did spend on the 2nd card they sent me) but i only signed up in the branch for one card !

10past6

DEBT_23 wrote: »

do i have any rights?

Yes, send them this letter by recorded delivery:

Your address

Date

Creditor / DCA address

Ref - A/C no:

Please be advised that I am only prepared to communicate with XXXXXXXXX in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; e.g. the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending "doorstep callers" to my home, you will be reported for harassment and be liable for damages for a tort of trespass.

You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

Should it be necessary, I will obtain an injunction

DEBT_23

will that work.. he is collecting payment each month tho i would prefer to pay it any other way than doorstep

10past6

DEBT_23 wrote: »

will that work.. he is collecting payment each month tho i would prefer to pay it any other way than doorstep

That should work, ask them to send you a paying in book, Moorcroft CAN DO IT, I have a paying in book from them, although I pay via Pay plan.

Moorcroft sent me a paying in book when they took the debt over, however, I requested my CCA from then, as they were unable to produce it, Moorcroft sent my debt back to the OC.

10past6

Have you requested your CCA from Moorcroft?

10past6

Broken_hearted wrote: »

Why they know they owe the debt not everyone is cowardly enough to try to outrun their debts.

Where in my post have I mentioned "out running one's debts?" :beer:

Although NO CCA has been produced on my debt, I'M STILL PAYING THE DEBT!!!

As an experienced member of this site, you should know NEVER JUMP TO CONCLUSIONS!! :mad: :mad:

DEBT_23

no i figured as i have been paying i could not ask for a CCA tho like i said i only signed one CCA and recieved 2 credit cards.
Im fed up him calling to my door he is nasty and shows up more than once a month..
I will send that letter off monday and let them know im no longer dealing with the debt on my doorstep.

thanks for the template letter .

10past6

DEBT_23 wrote: »

no i figured as i have been paying i could not ask for a CCA tho like i said i only signed one CCA and recieved 2 credit cards.
Im fed up him calling to my door he is nasty and shows up more than once a month..
I will send that letter off monday and let them know im no longer dealing with the debt on my doorstep.

thanks for the template letter .

The reason I requested my CCA from Moorcroft was because they were being a pain in the butt, so I requested my CCA, as none could be provided, they sent my debt back to the OC and closed my file with them, which is a) what I wanted and b) got Moorcroft of my back.

DO NOT BE INTIMIDATED BY OTHER MEMBERS REMARKS, HOW THEY HANDLE THEIR DEBTS IS UP TO THEM, THEY ARE NOT JUDGE AND JURY OVER WHAT I / OTHERS CHOOSE TO DO! :mad:

stapeley

Payment should NOT be made to door stop collectors . You have no guarantee that any of the money goes to where it should be going . Send off CCA REQUEST straight away !

DEBT_23

update : i have printed the above letter to be sent monday morning and i have decided to arrange a DMP with payplan-- are they a good company to go with??
this will stop door stop collector.
and hopefully i will see the end of all this debt one day !!!!!

Is it worth me sending the CCA letters to the DCA before i go into a DMP ??

PEPPAPIG79

can you show me the template letter as am been looking for it for 3 days thank you