fwil's diary

[nightwatch]

Re: fwil's diary

if you wish you could send a 'Sold in dispute' letter to moorcroft, even if it has not been sold to them it has been passed to them for collection ( we don't have a passed while in dispute template ) it can be a sign that you have pointed out your request has not been dealt with, also can add more time before they take it any further xx

[The Tech Clerk]

Re: fwil's diary

If an account gets sold then you would receive notification from the seller & purchaser usually in the same envelope .

[fwil]

Re: fwil's diary

Sorry, yes its obviously not been sold. So, I'm thinking I should ignore anything from Moorcroft until it gets sold?

[The Tech Clerk]

Re: fwil's diary

Moorcroft Debt Recovery is a Debt Collection Company. ... They will attempt to collect the debts before selling the debt to a third party debt collection agency (debt buyers). These debt buyers purchase debts at a percentage of the outstanding ...

[fwil]

Re: fwil's diary

Updated first post as Tesco have passed to Moorcroft who want contact within 7 days to avoid further action.
As I never replied to Tesco's request for 'matching signature' they never sent me the CCA.
Does this all mean they have sold while in dispute or should I try another approach? It goes back to 1999.
Any advice appreciated

[nightwatch]

Re: fwil's diary

no need to send anything just keep waiting for the next letter and tell us what it says xxx

ps; they hardly ever send some one out to visit your home

[fwil]

Re: fwil's diary

Updated first post with Tesco and Co-op latest letters.

Tesco have sent me a full and final offer, knocking 20% off the balance. As I have yet to reply to their 'we need a matching signature' letter I was surprised to get this one and makes me think its safe to assume they have no CCA?

Wondering if I still should send the 'No signature required' letter or does this move things a bit further along?

[Never-In-Doubt]

Re: fwil's diary

Thanks, will do.

Re 'carry on as normal', i haven't paid them anything since March so just carry on doing nothing until I get reply from the SAR?

Yep - keep us updated with any letters / threats - a SAR can take 40+ days. Remember to address cheque to Bank of Ireland - not PO. It's only a PO branded card, issued by the creditor - BoI.

[fwil]

Re: fwil's diary

Thanks, will do.

Re 'carry on as normal', i haven't paid them anything since March so just carry on doing nothing until I get reply from the SAR?

[Never-In-Doubt]

Re: fwil's diary

Finally received CCA from Post Office today.

I was under impression it had been sold to DLC but they say Bank of Ireland remains creditor of the account.

I can't see the CCA being unenforceable, its got everything there and was 2009.

They have also sent me 'Latest Terms and Conditions' which says monthly minimum payment is £1300! The balance is only £1600.
It also says I can pay 2.5% per month or 1% plus interest?

My preference is to continue paying the £5 / month I used to pay with my DMP.

Would it make sense to stop payments until it got sold off, thereby avoiding any interest charges in the future?

Thanks

Carry on as normal for now and do the SAR then let us know when you get SAR info back

[Never-In-Doubt]

Re: fwil's diary

You'd SAR the original creditor. Free template -> http://forums.all-about-debt.co.uk/s...l=1#post495040

Thats what id do

[fwil]

Re: fwil's diary

Oh. Just when I thought I was starting to understand it all...

So, no. No default notice via s.87 / s.88 that I'm aware of, just Defaulted account status on credit report. Sorry to go back to basics but how do i check for definite whether i'd had a s87 /s88?

[Never-In-Doubt]

Re: fwil's diary

Marked as a Default on my credit report since Oct 12. That is the same thing isn't it?

No.

--> http://forums.all-about-debt.co.uk/s...87-s88-CCA1974

[fwil]

Re: fwil's diary

Marked as a Default on my credit report since Oct 12. That is the same thing isn't it?

[Never-In-Doubt]

Re: fwil's diary

No. A default under s.87/s.88 Consumer Credit Act

--> http://forums.all-about-debt.co.uk/s...87-s88-CCA1974