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Will try and make this brief! I had a catalogue with Ace Gifts since 2005 and always paid regularly until August 2009, when I became seriously ill & was in and out of hospital for several months. They started to apply 'admin charges' at £20 a pop every month if I missed my payment or it was late. I emailed them and told them because I was seriously ill and constantly being hospitalised would they put me on direct debit so I did not have to worry about when payments were due-I received no response.
After going back and forth for 2 months and customer advisors giving me different information everytime, I finally managed to get one who said he would put me on a payment plan of £10 per month & no further charges would incur. However, after making my first payment way before the date it was due I was very angry when I got my next statement to see yet another £20 charge had gone on the account! So I started contacting them again and they would not budge-despite my having copies of all emails sent/received and the names of the advisors. Because by this time I was absolutely exhausted from my illness (Cancer), I gave up with them and just stopped paying. I was then sent a default notice.
In May this year, Moorcroft Debt Collections got involved. The debt had now risen to £256 from the actual £112 that I had spent. I sent them a letter requesting my credit agreement, together with the fee, only to receive it back 2 weeks later saying that Ace had said I would have been sent a copy and I should have kept it. I then sent another letter in reply using one of the templates on here giving them another chance to produce the agreement-which they did not.
I then tried a different approach, which may have been a mistake, and photocopied all the emails between myself and Ace and send them to Moorcroft, disputing the amount owed, due to the distress Ace had caused me at a time when I was very ill, and being told one thing and then another by their so called customer service advisors. As far as I was concerned I had been told I was on a payment plan, and despite my making my first payment in good time, they still charged me admin fees-despite saying they would not-and the emails clearly show this. I also told Moorcroft that I was perfectly happy to pay the £112 I actually owed, but not the admin fees, when it was Ace at fault.
I have now got 2 letters back from Moorcroft, the 1st basically saying that Ace are not budging and want the full £256 and the 2nd being a Notice Of Possible Litigation. My question is: because they have been so money-grabbing and trying to get as much as possible from me, can I resort back to unenforcability again as they cannot produce the signed agreement? If so, could you tell me which template letter to use-bearing in mind that I have requested it twice already to no avail.
After going back and forth for 2 months and customer advisors giving me different information everytime, I finally managed to get one who said he would put me on a payment plan of £10 per month & no further charges would incur. However, after making my first payment way before the date it was due I was very angry when I got my next statement to see yet another £20 charge had gone on the account! So I started contacting them again and they would not budge-despite my having copies of all emails sent/received and the names of the advisors. Because by this time I was absolutely exhausted from my illness (Cancer), I gave up with them and just stopped paying. I was then sent a default notice.
In May this year, Moorcroft Debt Collections got involved. The debt had now risen to £256 from the actual £112 that I had spent. I sent them a letter requesting my credit agreement, together with the fee, only to receive it back 2 weeks later saying that Ace had said I would have been sent a copy and I should have kept it. I then sent another letter in reply using one of the templates on here giving them another chance to produce the agreement-which they did not.
I then tried a different approach, which may have been a mistake, and photocopied all the emails between myself and Ace and send them to Moorcroft, disputing the amount owed, due to the distress Ace had caused me at a time when I was very ill, and being told one thing and then another by their so called customer service advisors. As far as I was concerned I had been told I was on a payment plan, and despite my making my first payment in good time, they still charged me admin fees-despite saying they would not-and the emails clearly show this. I also told Moorcroft that I was perfectly happy to pay the £112 I actually owed, but not the admin fees, when it was Ace at fault.
I have now got 2 letters back from Moorcroft, the 1st basically saying that Ace are not budging and want the full £256 and the 2nd being a Notice Of Possible Litigation. My question is: because they have been so money-grabbing and trying to get as much as possible from me, can I resort back to unenforcability again as they cannot produce the signed agreement? If so, could you tell me which template letter to use-bearing in mind that I have requested it twice already to no avail.
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