fwil's diary

[Never-In-Doubt]

Re: fwil's diary

Hi,

Update from Moorcroft re:Tesco (who said only have a duty to give info only to a debtor under a running account credit agreement)

'...Passed to Home Collections Division...'

Having checked similar diaries it looks like I need to send an Enough is Enough letter although those posts are going back a few years. Still the best course of action? Really don't want anyone turning up especially when i'm not here, we're not a million miles away from Moorcroft's office if that makes a doorstepping more likely?!

Thanks for all help so far and in advance...

What type of account was it with Tesco? If it is a credit card or loan they the duty applies to them - end of. Are they in default of your CCA Request? If so then they really can't do anything so don't waste all the templates now - you'd literally ignore them if they are going round in circles. As for them visiting, the field agents won't actually be based from that office so won't affect anything.

[fwil]

Re: fwil's diary

Hi,

Update from Moorcroft re:Tesco (who said only have a duty to give info only to a debtor under a running account credit agreement)

'...Passed to Home Collections Division...'

Having checked similar diaries it looks like I need to send an Enough is Enough letter although those posts are going back a few years. Still the best course of action? Really don't want anyone turning up especially when i'm not here, we're not a million miles away from Moorcroft's office if that makes a doorstepping more likely?!

Thanks for all help so far and in advance...

[SaltnVinegar]

Re: fwil's diary

Thanks. Sorry, should I know what you mean by give them static? Do nothing, i guess?

LOL yes - give them static means exactly that

[Never-In-Doubt]

Re: fwil's diary

Thanks. Sorry, should I know what you mean by give them static?

That means (in layman) don't do owt!

[Never-In-Doubt]

Re: fwil's diary

silence - sometimes - can be the best way forward. Replying *can* create manual intervention which means less chance of getting to SB.....

#justSayin

[fwil]

Re: fwil's diary

ok, thanks

[Never-In-Doubt]

Re: fwil's diary

Thanks. I'd prefer to reply to Moorcroft who've given 7 days before taking further. I know I probably don't need to but would it do any harm to tell them I haven't had the CCA so it is still sold in dispute I may mention that they hadn't actually enclosed the cheque either!

do that at your own peril.... I wouldn't.

[fwil]

Re: fwil's diary

Yes it could do harm because you're potentially giving them opportunity to rectify the default. Right now they're in default of your s.78 request so you don't want to be giving them any hints to put that right.

Best thing to do now is give them static and wait and see how Moorcroft react.

Thanks. Sorry, should I know what you mean by give them static? Do nothing, i guess?

[SaltnVinegar]

Re: fwil's diary

Thanks. I'd prefer to reply to Moorcroft who've given 7 days before taking further. I know I probably don't need to but would it do any harm to tell them I haven't had the CCA so it is still sold in dispute I may mention that they hadn't actually enclosed the cheque either!

Yes it could do harm because you're potentially giving them opportunity to rectify the default. Right now they're in default of your s.78 request so you don't want to be giving them any hints to put that right.

Best thing to do now is give them static and wait and see how Moorcroft react.

[fwil]

Re: fwil's diary

They are muppets. A "running agreement" does not mean it's live. It means that you have a credit limit and if you pay it off it's available again.

Best response is none. They are default of your s.78 request.

Thanks. I'd prefer to reply to Moorcroft who've given 7 days before taking further. I know I probably don't need to but would it do any harm to tell them I haven't had the CCA so it is still sold in dispute I may mention that they hadn't actually enclosed the cheque either!

[Never-In-Doubt]

Re: fwil's diary

They are muppets. A "running agreement" does not mean it's live. It means that you have a credit limit and if you pay it off it's available again.

Best response is none. They are default of your s.78 request.

[fwil]

Re: fwil's diary

Finally got an answer from Tesco regarding providing a CCA.

They say they're unable to provide it as the account is closed. Under the Act we only have a duty to give info only to a debtor under a running account credit agreement. We've enclosed the cheque provided with your request.

Hoping this is good news but not sure? Its with Moorcroft who want an update after i told them i was awaiting the CCA.

Thanks for any advice.

[Pixie]

Re: fwil's diary

DCAs always use the term "further action" to try and scare you. As NW says, it might be that they pass it on to another DCA, send it back to the OC or it could be that they'll write to you again. Moorcroft are quite easy to deal with...I've seen them off a few times.

[nightwatch]

Re: fwil's diary

I would just send the SWID letter as it is, let Moorcroft find out what the dispute is about. and further action could be we can't do anything pass it on

let us know what you get back xx

[fwil]

Re: fwil's diary

Thanks, have finally subscribed to aad+ and had a look at the templates. I'll write to Moorcroft using bits of the 'in dispute' template with bits of the 'CCA signature requested' as explanation for the dispute. Unless anyone thinks this is a bad idea?

I'm not sure of the worst possible outcome if I don't reply within 7 days to Moorcroft (they say they would suggest further action to OC).