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    • my-user-name
    • By my-user-name 9th Aug 18, 11:15 PM
    • 258Posts
    • 963Thanks
    my-user-name
    Moorecroft or Halifax,advice needed please
    • #1
    • 9th Aug 18, 11:15 PM
    Moorecroft or Halifax,advice needed please 9th Aug 18 at 11:15 PM
    My sister has been paying a debt agency a Halifax debt for about 6 years,very little has been taken off it.
    Now Moorcroft have contacted her to let her know they have taken over the debt,she still has 4,000 left to pay.
    Im able to help her a little bit and have advised her to offer a full and final payment of around 1,500,Im willing to go to 2,000 to help her end this debt.

    Were just not sure who we should contact...!!!8230;!!!8230;!!!8230;..would it be Moorecroft or would it be Halifax to ask if this would be possible.

    Any help greatly appreciated.
    Apologises if Ive put this in the wrong place
Page 1
  • National Debtline
    • #2
    • 10th Aug 18, 11:28 AM
    • #2
    • 10th Aug 18, 11:28 AM
    Hi there


    You will need to make your full & final offer to Moorcroft as they are responsible for dealing with the debt. Where the debt collection agency (DCA) has bought the debt, they decide whether to accept the offer. If they are only acting on behalf of the original creditor, they will ask the creditor whether they want to accept the offer.


    Make sure that there is written confirmation of the agreement before you make the payment and keep this for your sister's records. You can find details on how to make the offer here https://www.nationaldebtline.org/EW/factsheets/Pages/fullandfinalsettlementoffers/lumpsumoffers.aspx.


    Good luck


    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • sourcrates
    • By sourcrates 10th Aug 18, 12:57 PM
    • 14,867 Posts
    • 13,958 Thanks
    sourcrates
    • #3
    • 10th Aug 18, 12:57 PM
    • #3
    • 10th Aug 18, 12:57 PM
    Hi,


    Moorcroft no longer buy debts, so will be acting as agents to the Halifax.


    However, they have been engaged to act as representative for the creditor, so all comms must go through them.


    Probably a better first step would be to make a CCA request to moorcroft, could help in the negotiations stage if compliant paperwork was not available.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
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    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
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    • my-user-name
    • By my-user-name 10th Aug 18, 6:21 PM
    • 258 Posts
    • 963 Thanks
    my-user-name
    • #4
    • 10th Aug 18, 6:21 PM
    • #4
    • 10th Aug 18, 6:21 PM
    Thanks so much National De and sourcrates for your information.I will show your replies to my sister and will get her to write to Moorecroft this weekend.She thinks she hasn't got a cat in hells chance but its worth giving it a go.Many thanks indeed.
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