Help! What to do now?

[antsean]

Re: Help! What to do now?

Thats me told! Will do Niddy-I think it's just because it's been dragging on for so long. Will definately get all letters sent recorded delivery from now on and keep hold of the tracking refs, and any correspondence I get from them I will post on here, and do nothing till I hear from you!
Thanks once again!!
Ant

[Never-In-Doubt]

Re: Help! What to do now?

Thats me told! Will do Niddy-I think it's just because it's been dragging on for so long. Will definately get all letters sent recorded delivery from now on and keep hold of the tracking refs, and any correspondence I get from them I will post on here, and do nothing till I hear from you!
Thanks once again!!
Ant

Cheers mate - you can fax, as you'll have proof it was sent via your phone bill and/or a summary receipt (make sure that is switched on, on your fax machine so you have proof it was sent)... but when things get silly, then stick to postal mail....

I meant stop replying til you've heard from us, there is no rush - as you say, it's been going on ages so a few more weeks won't hurt, right?

[antsean]

Re: Help! What to do now?

Hi there Niddy!
My faxes are recorded on my phone bills and they also reply to them withing a matter of days-However I decided to stick to recorded delivery from now on. Following the vague letter I received from them in response to the letter you wrote for me, I faxed AND have sent recorded delivery the letter above saying I presumed they were accepting my offer of £10 per month for 6 months, but would need them to confirm this to me in writing. I have now received this today from them and at fever pitch as they seem to be blatantly ignoring me.
"Balance: £256.70"
"You have not contacted us to discuss repayment for this debt. We require immediate full payment or an acceptable offer of repayment to prevent any further action. In order to stop our recommending that our client undertake further action such as the instruction of solicitors to issue court proceedings we are prepared to accept payments of £20 per month. If you wish to take advantage of this repayment opportunity you must make a payment using the payment slip below. We will then forward more slips to you.
Unless a payment is received by 10am on 24/09/10 we may recommend court proceedings to be commenced against you without any further notice.
Such action could incur further costs and will affect your future credit rating. It is therefore in your best interests to give this matter your immediate attention.
Should you need assistance please contact us.
AJ Martin

This letter was dated 17th September and I am furious. It seems that even the letter you drafted for me threating them with the ICO and FOS has had no effect-meaning they are confident they can win or they are incredibly thick!
I have not made any complaints at all yet to anyone so really do not know what to do-they are making me dig my heels in even more though, as I have contacted them all along and repeated myself over and over again-and now they are writing saying I have not contacted them to discuss repayment???????!!!!!!!

If you can find the time Niddy then please help me further with this?

Best wishes

Ant

[Never-In-Doubt]

Re: Help! What to do now?

Hiya

As you've already sent in the right letter, send it again with a covering letter saying nothing more than "Read my Correspondence"

They cannot take action when you're in the middle of trying to negotiate - a judge would tell them to bugger off - plus the paltry amount, bear that in mind!

[antsean]

Re: Help! What to do now?

Thanks alot for that Niddy

I have sent another copy recorded delivery to them, and hopefully they will realise that I am no way going to back down.

Doubt you will remember with all the people you help, but in my last letter, I said before payment commenced on the 30th September I wanted their acceptance of my offer in writing. It's getting pretty close now to the end of the month so what should I do if I don't receive any reply by then-or another letter with them playing silly buggers? Should I pay the first instalment of £10 per month for 6 months to cover myself-or would I be lining myself up to paying the whole balance in full because they have'nt send an acceptance letter?

In the last 2 letters sent to them I have asked them for their bank details also, which they have ignored-instead they have sent a bloody payment slip! I have their details anyway from awhile back though, so can use those with the reference number I have from them.

Thanks again for all your support-could not have done this without your help and this forum!
Ant ;Hi

[Never-In-Doubt]

Re: Help! What to do now?

Hiya

Pay nothing until you've had confirmation from them, that they accept your agreement.

[antsean]

Re: Help! What to do now?

Ok-I won't pay anything until I have acceptance in black and white, and won't make any complaints against them yet-ya never know-they may accept it finally!
Will keep you updated either way!
Ant

[Never-In-Doubt]

Re: Help! What to do now?

cheers y

[antsean]

Re: Help! What to do now?

Hiya

Pay nothing until you've had confirmation from them, that they accept your agreement.

Hi there Niddy

Well I have got another response to all of the above-this time from Midas Legal Services who say they are part of Moorcroft.
This one is saying that they are aware I have failed to reach a repayment agreement with Moorcroft and that they are now reviewing the account prior to the possible recommending of legal action by external solicitors, acting on behalf of their clients. Failure to contact Moorcroft by 8th October may result in the issue of legal proceedings without further notice. It then gives Moorcroft address/phone and fax.

I faxed the last letter on 9th September stating my final figure I would pay if you look above, and then on your advice when they responded to that very vaguely I put: 'Refer To Letter', and sent by recorded delivery a copy of the letter again. Looking at the online tracking it still says being processed through the network, but I know that Moorcroft have had either the faxed letter or the recorded one-they can't have not had either.Now this letter has arrived from Midas!!! I am not giving up but am really tearing my hair out big time now, as this just seems to be going round in circles and am worried that the next thing through the letterbox will be a CCJ. I don't know whether to hit them with unenforceability over the credit agreement, make a formal complaint to whoever I need to, send yet another copy of the letter or what to do.

Please help if you can!!!

[Never-In-Doubt]

Re: Help! What to do now?

Hiya

Just ignore them - they cannot just "get a ccj" - if they dare to attempt such a silly move we'd have it struck out due to the problems, so basically do the same again - send a copy of the last letter you sent to Moorcroft with a cover letter saying you're not impressed at this carry-on and you WELCOME legal action, so you can portray to the judge exactly what a shower of shambles you're up against - and say that word for word, seriously - they are taking the michael....!!

[antsean]

Re: Help! What to do now?

Morning Niddy!

Well I did what you said above after that last letter from Midas (part of Morrcroft). They still seem to be ignoring everything and making out that It is ME not trying to sort his out-but how can I sort anything when the letters being sent are being ignored-almost to the point that I have'nt even written them!! They seem to have changed tack now all of a sudden & I have had one of the below from them before.

DISCOUNT OFFER

Our records show that despite our previous letters you have failed to make any payment to us and therefore your account has now been passed to our home collection division for action.

This may involve our local rep calling at your home within the next few days to seek to asisit and try to establish how you propse to seetle the balance outstanding.
However in one last attemt to come to an arrangement to prevent more serious action our client has informed us that we may be able to offer you a SUBSTANTIAL DISCOUNT from your outstanding balance. If you want to take advantage of this offer or agree a repayment arrangement please telephone us asap.
We would emphasis that if no satisfactory agreement is made with us or our local rep you may leave us no choice but to recommend to our client that solicitors commence leagal proceedings against you without further notice.

In the last letter I sent I did what you had said and told them I would welcome legal action so I would have the opportunity of showing a judge the shambles this all is etc. Should I just send another copy of that letter, together with a note saying I do not want anyone calling at my home and would consider this harrassment?

Many thanks-Once Again!!

Ant

[Never-In-Doubt]

Re: Help! What to do now?

In the last letter I sent I did what you had said and told them I would welcome legal action so I would have the opportunity of showing a judge the shambles this all is etc. Should I just send another copy of that letter, together with a note saying I do not want anyone calling at my home and would consider this harrassment?

Many thanks-Once Again!!

Ant

Hiya, yea send a copy of the last letter and also a copy of this to boot! Muppets...: ---> viewtopic.php?p=182#p182

[antsean]

Re: Help! What to do now?

Hello again Niddy! Hope all is well with you?
Well-I sent off this morning (21st) by recorded delivery: a letter saying: "Further to your correspondence dated 15th October I refer you again to my correspondence dated 9th September and 14th October respectively" I also used the link you kindly provided above about doorstep collections agents and put that in word for word. Then I sent for the 4th time the letter from 9th September with my final offer of £60 payable over 6 months etc, together with a copy of the letter saying I would welcome any legal action from the 15th October.

When I got in from doing that there was another letter from them which says:

Date 18th October.

Further to your recent communication, I write to advise that we are willing to accept a partial settlement of £205.36 to close this account.

Please make immediate contact with our office to discuss this account further.

This letter is not one of the bog standard letters that they seem to throw around like confetti, with the signatue of that moron A J Martin.

So-that is the really generous offer they have made-to knock off approx £50, which quite frankly they can stick up their a***S and swivel hard!!

It seems to me that they are all over the place and are now clutching at straws since I told them to bring on the legal action-infact the letter has the air of someone who is now trying to just grab what they can-am I right in thinking that I may (with alot of help from you!) have finally got them on the run?

I still don't want to back down and it will be when hell freezes over that I accept any offer they make-the only offer I am prepared to stick to is the one I made for £60-and not one penny more.

This letter they have just sent will have obviously crossed in the post with the one I have sent today-shall I not send anymore for now? Just let them receive the recorded delivery one and see what their next move will be? I did think that if I send another letter now to answer this pitiful and almost needy offer they have put on the table, it might fry what brain cells they have got and get them really confused!

Many thanks once again Niddy

Ant

[Never-In-Doubt]

Re: Help! What to do now?

Hi Ant, yea just sit tight now and see what happens. They may write back and just say we already wrote to you and attach a copy, if they do then you'd write back and say sorry - I made my offer, take it or leave it!

We'll worry about what to say next, when they come back to you......

[antsean]

Re: Help! What to do now?

Yep-absolutely agree with you-lets see what happens next. No doubt I will hear something in the next couple of weeks, and will post on here!
Thanks again Niddy and have a good day!
Ant