The Start of my journey..Floss2020

[Warwick65]

Ok first things first

Intrum can not bring a claim because they do not have authorisation - there are posts from Di and Jo saying that.

Equally important - an enforceable CCA is not the end of the story. There is a lot more to it. I had a fully enforceable agreement but Lowell lost ion court because they were relying on a default notice but oops Capital One hadn't sent one so they lost. There are also lots of other reasons so try not to get anxious

Are you still paying?

[Floss2020]

Thank you for the reassurance Warwick65. I'm new to this (I'm sure in time I'll get the hang of it!) ? no.. I'm not paying.

[Floss2020]

Debt 4:

Moorcroft Group PLC

Type of account - Bank Overdraft
Date commenced - 2008 or 2009
Approx balance - 1200
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Intrum UK
Original creditor Lloyds

2010-2018 Llloyds/Moorcroft
2019 - Intrum UK Previously 1st Credit/Moorcroft.
27.11.20 CCA request sent with certificate of posting
10.12.20 Letter from Moorcroft. requested information from their client. Stresses that they are not looking to enforce only asking payment is made .
14.01.20 - Letter from Moorcroft - No longer on DMP please contact us to arrange payment . Filed
10.03.20 - Half a rainforest received with statements and a cover letter. sent to Niddy to check as I have no idea if this is "enough "or not! Very odd. Eric confirms unenforceable as no agreement just a statement
15.04.20 - Please contact us letter from Moorcroft as they cannot locate my payment. Filed
21.04.21- Notification that this has been passed back t Intrum and to contact them regarding payment. Filed
29.04.21 - Get in touch letter from Intrum - Filed
21.05.21 - Get in touch with an I&E letter. Filed
28.05.21 - Would you like a discount letter received - filed.
17.06.21 - I&E form received -filed
24.06.21 - We have been trying to contact you letter. - filed

[Warwick65]

Sometimes they think that just by providing statements they can show it's your debt and sometimes they think they have sent you stuff when they haven't. No need to tell them just file and keep quiet for now,

[Floss2020]

Thank you Warwick65.. Filed safely away.

[Floss2020]

Moorcroft Group PLC:

Type of account - Personal Loan
Date commenced - 2008 or 2009
Approx balance - 3300
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Intrum
Original creditor Lloyds

Lloyds Bank 2010- 2015 ( I think Moorcroft were collecting on their behalf?)
Intrum UK Previously 1st Credit took over in 2019 ( this looks to be still managed by Moorcroft?)

27.11.20 CCA request sent with certificate of posting

10.12.20 . Letter from Moorcroft .Requested information from their client (Intrum) Stressed that they are not looking to enforce the agreement, only ensuring payment is made to the debt.
14.01.21 Letter received from Moorcroft. They have been advised that I am no longer receiving assistance on my DMP Please contact us to discuss my account - Filed
01.03.21 - CCA received sent to Niddy for checking[QUOTE=Floss2020;n1539134]
10.12.20 . Letter from Moorcroft .Requested information from their client (Intrum) Stressed that they are not looking to enforce the agreement, only ensuring payment is made to the debt.
14.01.21 Letter received from Moorcroft. They have been advised that I am no longer receiving assistance on my DMP Please contact us to discuss my account - Filed
01.03.21 - CCA received sent to Niddy for checking
03.03.21 - Niddy says

21.04.21 - Notification that this has been passed back to Intrum. Filed
07.05.21 - Received another copy of the CCA (enforceable according to Eric) with a statement of payments and screen-prints from Lloyds and a Lloyds letter saying that the documents are true and complete and that the debt was assigned to Intrum UK Finance pursuant to a deed of assignment dated 28/11/2018 - Should I be actioning anything here, or just continue to sit tight?
17.06.21 - Annual statement received - filed
22.06.21 - Get in touch within the next 10 days letter - filed

[nightwatch]

Intrum may just be seeing who to pass to next, see what the next letter says.
NW
p.s. Did Niddy say if enforceable or not? Only above post just days " Niddy says"

[Floss2020]

Morning NW.. niddy said its enforceable .. so a bit concerned.. I'll wait for the next letter.. and go from there.. thank you for replying!

[Gerry Jemitus]

Don't worry - even if the CCA is in order, there are still more technical arguments that can be used in the event they issue proceedings.

[PlanB]

Moorcroft Group PLC:

Type of account - Personal Loan
Date commenced - 2008 or 2009
Approx balance - 3300
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Intrum
Original creditor Lloyds

. . . 21.04.21 - Notification that this has been passed back to Intrum. Filed

Good Morning, I have had a couple of debts returned from Moorcroft to Intrum.. Do I need to be concerned at all?

You've referred to a "couple of debts" so if one is the Lloyds Personal Loan which is the other one?

I see no reason to be concerned that Moorcroft (a Debt Collection Agency) has returned the accounts to Intrum. In the very least it means they're not going to pursue you so maybe they know there is something else which could make the debts unenforceable, or some other reason why they've decided to back down.

As NW says wait to see what happens next to each of them.

Di

[Floss2020]

Hello Di! Hope you are well

Yes.. sorry I wasn't clear.. the other debt returned was my currently unenforceable overdraft debt also from Lloyd's..

I just wondered if this was a normal thing to happen.. (it looks like it is!)

[Warwick65]

Hi Floss

Some of my debts went round the houses - owner>DCA>owner>DCA2>owner>DCA etc etc. Sometimes the same DCA would have it two or three times. In other words don't worry.

[Floss2020]

thank you for the reassurance Warwick65..

Hopefully they might lose a cca along the way too

[PlanB]

Hello Di! Hope you are well

the other debt returned was my currently unenforceable overdraft debt also from Lloyd's.

Hello Floss2020, I hope you are well too (thank you for asking)

So you have two debts currently with Intrum.

One is unenforceable (according to Niddy?) and the other may have an enforceable credit agreement (according to Niddy?).

From what I can see from posts on your thread you are a long way off from having legal proceedings issued so put that scary thought out of your mind!

Post each and every time you receive correspondence and forum members will guide you on what and what not to do/say.

Take Care

Di

[Floss2020]

[QUOTE=Floss2020;n1539240]
Debt 4:

Moorcroft Group PLC

Type of account - Bank Overdraft
Date commenced - 2008 or 2009
Approx balance - 1200
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Intrum UK
Original creditor Lloyds

2010-2018 Llloyds/Moorcroft
2019 - Intrum UK Previously 1st Credit/Moorcroft.
27.11.20 CCA request sent with certificate of posting
10.12.20 Letter from Moorcroft. requested information from their client. Stresses that they are not looking to enforce only asking payment is made .
14.01.20 - Letter from Moorcroft - No longer on DMP please contact us to arrange payment . Filed
10.03.20 - Half a rainforest received with statements and a cover letter. sent to Niddy to check as I have no idea if this is "enough "or not! Very odd. Eric confirms unenforceable as no agreement just a statement
15.04.20 - Please contact us letter from Moorcroft as they cannot locate my payment. Filed
21.04.21- Notification that this has been passed back t Intrum and to contact them regarding payment. Filed
29.04.21 - Get in touch letter from Intrum - Filed
07.05.21 - Received another copy of the CCA (enforceable according to Eric) with a statement of payments and screen-prints from Lloyds and a Lloyds letter saying that the documents are true and complete and that the debt was assigned to Intrum UK Finance pursuant to a deed of assignment dated 28/11/2018 - Shaould I be actioning anything here, or just continue to sit tight?

Should I be taking any actions here? Or just continue to sit tight... To be honest.. when I saw the CCA my first thought was "oh crikey... I have missed something" but its just a duplicate .. phew!