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Re: Can I get interest frozen on my debts?
Hi
Well I have as yet been unable to write to Moorcroft. To explain briefly, I am housebound and the person (friend) who usually does things like post letters etc for me was taken ill and is in hospital. I have written the letter but have nobody to post it for me as I do not have any family or anyone living nearby who can take this to the Post Office for me. My friend isn't local but normally comes up to visit once a week and does any errands I need doing. He is getting better but is expected to be in hospital for at least another week.
Unsurprisingly I have had another letter from Moorcroft as they were unable to collect the card payment following cancellation of the card. I have also had an email from them. I don't want to ignore these communications and risk further action being taken or a court summons being issued if that is the route they are likely to take? But obviously have learned my lesson and don't want to phone them. So I wanted to ask whether it would be appropriate to send the letter UndercoverElsa suggested above by email instead, as there would still be some form of proof it had been sent, or if not, whether it would be a good idea to contact Moorcroft by email and say that all further communications will be in writing but explain the current situation and see if they will allow me more time to reply in writing?
I've been hanging on because I had hoped that my friend would be out of hospital by now but it hasn't worked out that way and time is moving on so not sure what to do now. Any suggestions?
Thank you
Carley
Originally posted by Undercover Elsa
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Ohhh Carly I do feel for you. It's so easy to get pushed into things by these bullies. At least you know now NEVER to discuss anything on the phone again, although you've learned the hard way 
As everyone says, cancel those payments. Report your card as stolen and also check your own bank's policy on cancelling recurring payments by debit card.
It's good, though that interest has stopped. Well done on hanging in there until they defaulted.
Right, Moorcroft are absolutely useless so don't worry about these muppets.
If it was me, I would write (recorded delivery) something on the lines of:
Following a very unpleasant telephone conversation with a member of your staff I have cancelled payment forthwith as I feel I was coerced and harassed into agreeing to pay far more than I could afford on the phone, after I had tried in good faith to come to an arrangement that was sustainable and affordable. In hindsight I am appalled at being treated in this way and spoken to so rudely. It has left me feeling shakey, anxious and upset and I now insist that all further communication must be in writing only otherwise I will complain to the OFT.
This predatory and offensive attitude more suited to a back street money lender has also made me query whether the debt claimed is genuine and accurate, and for this reason before proceeding further I enclose a formal request for a copy of the Consumer Credit Agreement under section 77-79 of the Consumer Credit Act 1974.
Once I am in receipt of this and am satisfied that the account has been documented and administered correctly then I will look at starting a sustainable payment plan, paid by Standing Order only and based on a properly completed Income and Expenses form.
I trust this makes my position clear and that you will cease phone calls and communicate in writing only as requested.
The CCA Request template is here Carly: http://www.all-about-debt.co.uk/inde...2-cca-requests
Despite the Vanquis one being post 2007 it will stop them in their tracks and give you some breathing space. Once they come back with that then telling them that you are seeking advice and will be completing an Income and Expenses form supplied by CAB will give you another 30 days grace. Here's the Nedcab I usually recommend: http://mymoney.nedcab.org.uk/moneyadvice/quickfs.asp
Don't do it yet though, do the CCA request first then wait and see what happens. When it comes to it if you wish I'll help you with the Expenses (look over it for you and make sure you're claiming all you're due to in respect of housekeeping etc)
I would also send one for the catalogue debt too, at the same time. It's highly unlikely that they'll come up with an agreement and they'll leave you alone while they root round for it.
Wise words from Garlok about your electricity tariff. Definitely look into that too.
So, all is not lost, chin up, we'll get there eventually
As everyone says, cancel those payments. Report your card as stolen and also check your own bank's policy on cancelling recurring payments by debit card.
It's good, though that interest has stopped. Well done on hanging in there until they defaulted.
Right, Moorcroft are absolutely useless so don't worry about these muppets.
If it was me, I would write (recorded delivery) something on the lines of:
Following a very unpleasant telephone conversation with a member of your staff I have cancelled payment forthwith as I feel I was coerced and harassed into agreeing to pay far more than I could afford on the phone, after I had tried in good faith to come to an arrangement that was sustainable and affordable. In hindsight I am appalled at being treated in this way and spoken to so rudely. It has left me feeling shakey, anxious and upset and I now insist that all further communication must be in writing only otherwise I will complain to the OFT.
This predatory and offensive attitude more suited to a back street money lender has also made me query whether the debt claimed is genuine and accurate, and for this reason before proceeding further I enclose a formal request for a copy of the Consumer Credit Agreement under section 77-79 of the Consumer Credit Act 1974.
Once I am in receipt of this and am satisfied that the account has been documented and administered correctly then I will look at starting a sustainable payment plan, paid by Standing Order only and based on a properly completed Income and Expenses form.
I trust this makes my position clear and that you will cease phone calls and communicate in writing only as requested.
The CCA Request template is here Carly: http://www.all-about-debt.co.uk/inde...2-cca-requests
Despite the Vanquis one being post 2007 it will stop them in their tracks and give you some breathing space. Once they come back with that then telling them that you are seeking advice and will be completing an Income and Expenses form supplied by CAB will give you another 30 days grace. Here's the Nedcab I usually recommend: http://mymoney.nedcab.org.uk/moneyadvice/quickfs.asp
Don't do it yet though, do the CCA request first then wait and see what happens. When it comes to it if you wish I'll help you with the Expenses (look over it for you and make sure you're claiming all you're due to in respect of housekeeping etc)
I would also send one for the catalogue debt too, at the same time. It's highly unlikely that they'll come up with an agreement and they'll leave you alone while they root round for it.
Wise words from Garlok about your electricity tariff. Definitely look into that too.
So, all is not lost, chin up, we'll get there eventually
Well I have as yet been unable to write to Moorcroft. To explain briefly, I am housebound and the person (friend) who usually does things like post letters etc for me was taken ill and is in hospital. I have written the letter but have nobody to post it for me as I do not have any family or anyone living nearby who can take this to the Post Office for me. My friend isn't local but normally comes up to visit once a week and does any errands I need doing. He is getting better but is expected to be in hospital for at least another week.
Unsurprisingly I have had another letter from Moorcroft as they were unable to collect the card payment following cancellation of the card. I have also had an email from them. I don't want to ignore these communications and risk further action being taken or a court summons being issued if that is the route they are likely to take? But obviously have learned my lesson and don't want to phone them. So I wanted to ask whether it would be appropriate to send the letter UndercoverElsa suggested above by email instead, as there would still be some form of proof it had been sent, or if not, whether it would be a good idea to contact Moorcroft by email and say that all further communications will be in writing but explain the current situation and see if they will allow me more time to reply in writing?
I've been hanging on because I had hoped that my friend would be out of hospital by now but it hasn't worked out that way and time is moving on so not sure what to do now. Any suggestions?
Thank you
Carley
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