The Start of my journey..Floss2020

[PlanB]

[QUOTE=Floss2020;n1540193]

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
. . . .
10.03.20 - Half a rainforest received with statements and a cover letter. sent to Niddy to check . . . . Niddy confirms unenforceable as no agreement just a statement
. . . .
07.05.21 - Received another copy of the CCA (enforceable according to Niddy) 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

Hello

Before making any suggestion I need to make sure I've accurately understood the situation.

In your post you say the debt was assigned by Lloyds to Intrum in 2019 however you say the latest letter refers to an assignment in 2018. Intrum have been known to have assignment issues so I thought I should check. The dates can be critical - the devil is in the detail!

In March 2020 you received documents in response to your CCA Request which were unenforceable.

Today you've received another copy of the credit agreement which Niddy says is enforceable. Do you know why this new paperwork was sent to you over a year after the first one? And was this sent by Intrum?

Also when you say "it's just a duplicate", what is it a duplicate of?

Di

[Floss2020]

[QUOTE=PlanB;n1540194]

Hello

Before making any suggestion I need to make sure I've accurately understood the situation.

In your post you say the debt was assigned by Lloyds to Intrum in 2019 however you say the latest letter refers to an assignment in 2018. Intrum have been known to have assignment issues so I thought I should check. The dates can be critical - the devil is in the detail!

In March 2020 you received documents in response to your CCA Request which were unenforceable.

Today you've received another copy of the credit agreement which Niddy says is enforceable. Do you know why this new paperwork was sent to you over a year after the first one? And was this sent by Intrum?

Also when you say "it's just a duplicate", what is it a duplicate of?

Di

Hello Di,
I have just seen your reply.. I have got in a right old pickle here ... This is an update to the wrong debt... I will correct it and repost! Ofddly I do have an update on the overdraft debt above..

[Floss2020]

[QUOTE=Floss2020;n1539799]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?




This was the correct debt Di... Apologies for the confusion

[Floss2020]

[QUOTE=Floss2020;n1540536][QUOTE=Floss2020;n1539799]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

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?




This was the correct debt Di... Apologies for the confusion

Hello Everyone, Well everything has been going well with my debts, I received a flurry of letters and calls, mostly letting me know that I have not paid anything and offering me varying degrees of discounts, I have received a letter this morning from Intrum regarding the debt above advising that they are getting ready to use resolvecall.. Should I be worried at all and do I need to do anything specifically? Thank you!

[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

Thank you

[The Tech Clerk]

no just some local commission agent trying to make a living who knocks door do not engage with them they will leave a calling card to ring some office you shut door end of, local guy get money for knocking door, they have no powers but allowed to call and knock door. end of story.

many of these Scotcall (snotcall) we use to call them sure that is why they changed their name? ., opps Resolvecall had done their job then. some just state shut gate on way out or the local bobby be called.lol

[Floss2020]

Thank you Tech Clark ! I did guess as much, but I wanted to be sure. If I don't answer the door, I assume this is the same thing? I have to say I have heard practically nothing from any of my creditors apart from the odd letter.. This is a good thing as I had a brain bleed last year and I just cannot cope with stress anymore!

[The Tech Clerk]

always welcome to update us on here., keep in touch with updates etc