What To Do Now?

COOKIEWILLOW

Hi i have done as advised and written to Moorcroft Debt recoveries requesting CCA. This i posted on 24th, recorded delivery, and on checking see they have received it on 25th, however a few minutes ago i have received a letter off them which was dated 24th (so posted same day as mine) NOTICE OF INTENDED LITIGATION and a letter asking me to ring them or pay full balance immediately to prevent legal action. Now i know that folk on here have said NOT to ring them but if I dont they are going to continue action. Will my letter that they would have received a day after they sent this put account/action on hold now? Loathe to ring these people anyway as they have left voice messages saying"Hi xxx (first name only) can you ring deb/ryan/floss on ,,,,, how deceitful is that NOT to actually say the company you are calling from and being really chipper so they can catch you when you DO ring? and PLEASE dont post to tell me to just pay my debts and I wont have this prob as I am trying VERY hard and am in a right pickle lately.
thanks in advance

**Amy**

Firstly no-one is going to tell you to "just pay your debts off" we are all in the same boat here (pretty much) :beer:

I honestly wouldnt phone them. It sounds like a standard letter that is threatening to try and scare you into paying the amount right now in full.

I would wait the standard time that you stated in your letter. If you do not receive a response then you need to send a 2nd letter but im sure someone like Stapley can help you (the star of the CCA request )

I hope this helps.

x

COOKIEWILLOW

**Amy** wrote: »

Firstly no-one is going to tell you to "just pay your debts off" we are all in the same boat here (pretty much) :beer:

I honestly wouldnt phone them. It sounds like a standard letter that is threatening to try and scare you into paying the amount right now in full.

I would wait the standard time that you stated in your letter. If you do not receive a response then you need to send a 2nd letter but im sure someone like Stapley can help you (the star of the CCA request )

I hope this helps.

x

thanks Amy, people HAVE been judgemental to others mind, i have been looking at different threads regarding dcas lately trying to get as much info, theyre !!!!!!s arent they? i have written to all my creditors requesting they take token payments for a while but they have simply ignored me and passed my debt balances on!WAS going to ring moorcroft when they first contacted me but listened to people on here and requested ccas etc.just looking for a bit of time really until i sort myself out financially, trying to remortgage but having diff cos of self cert and bad credit score, need these bullies like hole in head. thanks luvvie

COOKIEWILLOW

ps. the wear word deleted looks a LOT worse than it was mind lol. there was two gs in middle not the other one!!

**Amy**

:rotfl: @ the swear word.

They definitely are that! DCAs are mean and cruel most of the time. And generally not very pleasant.

Glad you found some helpful advice on other threads. I would just sit tight and wait the allotted amount of time you stated in your letter that they have to get in contact with you.

Fingers crossed you manage to sort out the remortgage etc. x

And sorry you found some other posts a bit judgemental.

x

COOKIEWILLOW

lot of people worse off than me, will sit tight and wait for their reply!! not going to worry about it today now as need to go bed after nightshift last night, prob have a nightmare of them chasing me waving their fancy yellow envelopes! (whats THAT about?) just hope they dont end up on my doorstep!!

NUFCnutter

I would do that Cookie, Don't worry. If they turn up on your doorstep then don't open the door. Ask them to talk through the letterbox. And as for anyone who is judgemental about us having debts, well they can go and stew their heads. It must be lovely to have such a perfect life, eh?

redsquirrel80

COOKIEWILLOW wrote: »

Now i know that folk on here have said NOT to ring them but if I dont they are going to continue action.

That is exactly what they want you to think. Don't phone them. If it would put your mind at rest to contact them then don't Moorcroft have a website you can contact them through? I think it's them.. you could send them a message just saying that with reference to their letter of 24th, you have contacted them with a CCA request and are awaiting their response. I would also request that they stop phoning you... although I did that and they still leave messages, but thankfully they have my old mobile number (which I keep as a spare) so I just let them get on with it, they can spend their money on pointless phonecalls if they want....

COOKIEWILLOW

NUF!!!!ter wrote: »

I would do that Cookie, Don't worry. If they turn up on your doorstep then don't open the door. Ask them to talk through the letterbox. And as for anyone who is judgemental about us having debts, well they can go and stew their heads. It must be lovely to have such a perfect life, eh?

:T Yeah you right, anyway let them come here, they be facing a recently turned 40year menopausal woman!! my hubbys an ex rugby player and HE is scared of me lately,:rotfl:

NUFCnutter

They would be mad to confront you, especially if you are on nights as well. You go girl!

COOKIEWILLOW

thats wot i will say, (god if they come today now i be sherbeting myself!!!