JASSASBLUE - UE Diary

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Moorcroft Debt Recovery, previously Citi Cards

Type of account Credit Card
Date commenced Unknown poss 95 - 96
Approx balance £1476.34
Date last paid DMP 25/12/2013
Are you on arrangement or not paying DMP
Status Dropped off Credit File

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
13/01/14 Letter received from Moorcroft saying contact Citi Financial for CCA
16/01/14 CCA Letter sent to Citi Financial
01/02/14 Letter Received from Citi Cards
unfortunately we are no longer able to assist you as your card account has been sold to third party organisation. All information requests (other than data subject information requests under the Data Protection Act 1998) must be requested directly from the third party organisation who purchased your account. They haven't returned my PO either !!
03/02/14 2nd CCA Letter sent to Moorcroft with copy of Citi Cards Letter
13/02/14 Letter received from Moorcroft - Account in dispute, they are to contact OC, advised I suspend payment and await further outcome.
07/03/14 Letter from Moorcroft, failed to pay arrangement, doorstep visit arranged.
01/10/15 Annual Statement received from Moorcroft - ignored
01/09/17 Annual Statement received from Moorcroft - ignored
08/09/17 Letter from Moorcroft asking me to ring them to make arrangements to pay - ignored
22/09/17 Letter from Moorcroft with Monthly Instalment offer - ignored
06/10/17 Letter from Moorcroft - further debt recovery action to be taken - ignored
20/10/17 Letter from Moorcroft - discount offer - ignored
01/12/17 Letter from Moorcroft - they are sending a representative to my house - ignored
12/12/17 Mr Holmes called to my house but I was out - he also spoke to my neighbour!!!
29/12/17 Letter from Moorcroft 70% settlement offer - ignored
04/08/18 Letter from Moorcroft - debt collection to commence - ignored
16/08/18 Letter from Moorcroft - they haven't heard from me asking me to call them - ignored
01/09/18 Annual statement received - ignored
03/09/18 Letter from Moorcroft offering monthly payments - ignored
17/09/18 Letter from Moorcroft - further debt recovery action to be taken - ignored
08/09/17 Letter from Moorcroft asking me to ring them to make arrangements to pay - ignored
22/09/17 Letter from Moorcroft with Monthly Instalment offer - ignored
06/10/17 Letter from Moorcroft - further debt recovery action to be taken - ignored
20/10/17 Letter from Moorcroft - discount offer - ignored
01/12/17 Letter from Moorcroft - they are sending a representative to my house - ignored
12/12/17 Mr Holmes called to my house but I was out - he also spoke to my neighbour!!!
29/12/17 Letter from Moorcroft 70% settlement offer - ignored
04/08/18 Letter from Moorcroft - debt collection to commence - ignored
16/08/18 Letter from Moorcroft - they haven't heard from me asking me to call them - ignored
01/09/18 Annual statement received - ignored
03/09/18 Letter from Moorcroft offering monthly payments - ignored
17/09/18 Letter from Moorcroft - further debt recovery action to be taken - ignored
02/11/18 Letter from Moorcroft 70% settlement offer - ignored
18/01/19 Letter from Moorcroft - requesting I contact them to arrange payment - ignored

01/02/19 Letter from Moorcroft - further request to contact them, they have purchased this account and require payment, doorstep collection to commence.

Do I ignore this? My last payment was 16/12/13, I should be statute barred by the end of this year, I don't want to keep ignoring letters and jeopardise anything. Thank you in advance.

[jassasblue]

Nightwatch - hahahaha Sherlock love it

Thank you for your reply, I'll send a short letter this time as you suggest, I've had surgery in June of this year and was out of action for a little while, out of all my accounts this is the only one sending letters, in December I'll be a whole 5 years into this journey, seems like yesterday I was sending the CCA requests....

Thanks again for your advice, hope you are well xx

[nightwatch]

Maybe write and tell them to send Sherlock this time.

could just send a short letter saying you are still awaiting a reply to your CCA request from 2014, while this is the case it would not be in anyones interest to send a representative, unless he wishes to speak to your neighbour again,

Or just ignore again

NW x

[The Tech Clerk]

moorcroft do not buy debts only try and commission collect them - no powers.

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Moorcroft Debt Recovery, previously Citi Cards

Type of account Credit Card
Date commenced Unknown poss 95 - 96
Approx balance £1476.34
Date last paid DMP 25/12/2013
Are you on arrangement or not paying DMP
Status Dropped off Credit File

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
13/01/14 Letter received from Moorcroft saying contact Citi Financial for CCA
16/01/14 CCA Letter sent to Citi Financial
01/02/14 Letter Received from Citi Cards
unfortunately we are no longer able to assist you as your card account has been sold to third party organisation. All information requests (other than data subject information requests under the Data Protection Act 1998) must be requested directly from the third party organisation who purchased your account. They haven't returned my PO either !!
03/02/14 2nd CCA Letter sent to Moorcroft with copy of Citi Cards Letter
13/02/14 Letter received from Moorcroft - Account in dispute, they are to contact OC, advised I suspend payment and await further outcome.
07/03/14 Letter from Moorcroft, failed to pay arrangement, doorstep visit arranged.
01/10/15 Annual Statement received from Moorcroft - ignored
01/09/17 Annual Statement received from Moorcroft - ignored
08/09/17 Letter from Moorcroft asking me to ring them to make arrangements to pay - ignored
22/09/17 Letter from Moorcroft with Monthly Instalment offer - ignored
06/10/17 Letter from Moorcroft - further debt recovery action to be taken - ignored
20/10/17 Letter from Moorcroft - discount offer - ignored
01/12/17 Letter from Moorcroft - they are sending a representative to my house - ignored
12/12/17 Mr Holmes called to my house but I was out - he also spoke to my neighbour!!!
29/12/17 Letter from Moorcroft 70% settlement offer - ignored
04/08/18 Letter from Moorcroft - debt collection to commence - ignored
16/08/18 Letter from Moorcroft - they haven't heard from me asking me to call them - ignored
01/09/18 Annual statement received - ignored
03/09/18 Letter from Moorcroft offering monthly payments - ignored
17/09/18 Letter from Moorcroft - further debt recovery action to be taken - ignored
08/09/17 Letter from Moorcroft asking me to ring them to make arrangements to pay - ignored
22/09/17 Letter from Moorcroft with Monthly Instalment offer - ignored
06/10/17 Letter from Moorcroft - further debt recovery action to be taken - ignored
20/10/17 Letter from Moorcroft - discount offer - ignored
01/12/17 Letter from Moorcroft - they are sending a representative to my house - ignored
12/12/17 Mr Holmes called to my house but I was out - he also spoke to my neighbour!!!
29/12/17 Letter from Moorcroft 70% settlement offer - ignored
04/08/18 Letter from Moorcroft - debt collection to commence - ignored
16/08/18 Letter from Moorcroft - they haven't heard from me asking me to call them - ignored
01/09/18 Annual statement received - ignored
03/09/18 Letter from Moorcroft offering monthly payments - ignored
17/09/18 Letter from Moorcroft - further debt recovery action to be taken - ignored

Finally brought my post up to date, letter received from Moorcroft offering a substantial discount and also telling me I'm going to get a doorstep agent visit. The last time I ignored this letter 01/12/17 they sent a Mr Holmes while I was at work and he spoke to my neighbours - any advice please?

[nightwatch]

No problem, just that if somthing was to happen then when you came back on we wouldnt have the full history to make a helpfull reply,
It also helps any newbys who are searching for advice know how things sometimes follow a set pattern

Hope you and yours are keeping well xx

[jassasblue]

Nightwatch, sorry I'll make an effort to keep my post up to date and thank you for your advice. Julie

[nightwatch]

Yes, but please update your diary when you receive them,

Thanks, NW

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Moorcroft Debt Recovery, previously Citi Cards

Type of account Credit Card
Date commenced Unknown poss 95 - 96
Approx balance £1476.34
Date last paid DMP 25/12/2013
Are you on arrangement or not paying DMP
Status Dropped off Credit File

Letter Sent
Letter Received

03/01/14 CCA Letter Sent
13/01/14 Letter received from Moorcroft saying contact Citi Financial for CCA
16/01/14 CCA Letter sent to Citi Financial
01/02/14 Letter Received from Citi Cards
unfortunately we are no longer able to assist you as your card account has been sold to third party organisation. All information requests (other than data subject information requests under the Data Protection Act 1998) must be requested directly from the third party organisation who purchased your account. They haven't returned my PO either !!
03/02/14 2nd CCA Letter sent to Moorcroft with copy of Citi Cards Letter
13/02/14 Letter received from Moorcroft - Account in dispute, they are to contact OC, advised I suspend payment and await further outcome.
07/03/14 Letter from Moorcroft, failed to pay arrangement, doorstep visit arranged.
01/10/15 Annual Statement received from Moorcroft - ignored
01/09/17 Annual Statement received from Moorcroft - ignored
08/09/17 Letter from Moorcroft asking me to ring them to make arrangements to pay - ignored
22/09/17 Letter from Moorcroft with Monthly Instalment offer - ignored

20/09/18 To date this year I have had over 10 letters from Moorcroft requesting payment, insisting I fill in income and expenditure, then statements like 'this will now be passed for more serious debt collection activities'. I am 2 months away from a whole 5 years into this journey, 14 months to statute barred and counting.

Do I just keep filing these letters away?

[jassasblue]

Re: JASSASBLUE - UE Diary

Account Owner Debt Managers Ltd, previously Next

• Type of account Next Directory Store Card
• Date commenced 25/11/2002
• Approx balance £601.00
• Date last paid DMP 25/12/2013
• Are you on arrangement or not paying DMP
• Status Default 02/10/2009 UPDATE October 16 - Default Removed due to age

Letter Sent
Letter Received

03/01/14 CCA Letter sent
11/01/14 Agreement received from Next
11/01/14 Email to Niddy
11/01/14 Email from Niddy agreement UE :-) Next course of action: http://www.all-about-debt.co.uk/old/...escribed-terms
16/01/14 PT letter sent
16/01/14 Another agreement received from Next same as 11/01/2014 - only difference they say balance £201.15 instead of £601.16
20/01/14 Letter received from Debt Managers Ltd enclosing agreement and asking for payment - ignored as crossed with PT Letter 16/01/14
18/03/14 Letter received from Debt Managers Ltd chasing for payment, they have contacted Stepchange who inform account closed!
27/03/14 Letter received from Parkgate Investigation Bureau (division of Debt Managers) chasing for payment - ignored
10/04/14 Letter received from Scotcall - Impending Debt Collection Visit
11/04/14 SWID sent
18/05/16 Email from Next they are preparing to sell the debt to a DCA - ignored
25/11/16 - Notice of Assignment received from Debt Managers (Services) Ltd, they have bought the debt from Next and chasing payment - ignored
Daily emails received from Debt Managers asking for payment - all ignored
13/12/16 Letter received from Debt Managers Ltd, I've failed to respond to their attempts to contact them, the next course of action is a referral to their solicitors to commence legal action or a home visit by their external agents
10/01/17 SWID sent to Debt Managers Ltd
21/01/17 Letter from Debt Managers Ltd, info requested from Next, account on hold
10/03/17 Letter from Debt Managers Ltd, account still on hold, no response from Next!
25/09/17 Letter from Debt Managers Ltd, (I've ignored monthly one's since March 17), they state Next Directory are unaware of any dispute on this account and haven't received any contact from me at all. They have enclosed a copy of my Credit agreement (the same one I have had twice before in 2014) also they have attached a statement, only they haven't attached mine, the one I have belongs to a chap down South (full details from them too) and not mine!!!!
01/10/17 Copy of SWID 11/04/14 sent with a one liner of their acknowledgement

Letter received from Debt Managers, they have received a response from Next who state they do not have a signed copy of my credit agreement therefore have provided a blank version which was issued to me in due course on 17th January 2014. They are happy that the debt is now overdue and payable by return, they've sent an Income/Expenditure form to assist them decide my repayment. Think I'll ignore this one and wait for the follow up?

Thanks guys for your help as always.

[Still Waving]

Ok so today whilst I'm at work the 'Agent' arrived, the old lady opposite came over to my house and challenged him bless her and offered to call me at work, he was very rude to her. Do I need to do anything? He put a letter through the door saying please call our office to make payment immediately or action will be taken........

Moorcroft are certainly active these days, I am also 4 years into my journey :-)

You could make a formal complaint about their uninvited rep being rude to your dear old neighbour.

[jassasblue]

Hi Nightwatch, thank you, no the letter says they are going to visit my home between the hours of 8am and 6pm. I'll make sure I don't answer the door! Haha field recovery agent

Ok so today whilst I'm at work the 'Agent' arrived, the old lady opposite came over to my house and challenged him bless her and offered to call me at work, he was very rude to her. Do I need to do anything? He put a letter through the door saying please call our office to make payment immediately or action will be taken........

Moorcroft are certainly active these days, I am also 4 years into my journey :-)

[jassasblue]

does the letter say they will visit OR Will CALL,if it says call they normally phone , it is very rare that anyone turns up, if someone does you do not need to even speak to them, they have no powers what so ever. That is why they can't recover anything.
I do love that line " Assist in establishing contact with head office". they phone the office and pass the phone to you.

They were sending a "field recovery agent" to visit me, all the fields are still there, they didn't take one!

Hi Nightwatch, thank you, no the letter says they are going to visit my home between the hours of 8am and 6pm. I'll make sure I don't answer the door! Haha field recovery agent

[Roger]

If somebody turns up asked them to sing Silent Night! or Good King Wenceslas!

[nightwatch]

does the letter say they will visit OR Will CALL,if it says call they normally phone , it is very rare that anyone turns up, if someone does you do not need to even speak to them, they have no powers what so ever. That is why they can't recover anything.
I do love that line " Assist in establishing contact with head office". they phone the office and pass the phone to you.

They were sending a "field recovery agent" to visit me, all the fields are still there, they didn't take one!