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  • #1

    JamesC vs Moorcroft/Argos

    ARGOS




    • Type of account (credit card/loan): STORE CARD
    • Date commenced DEC 2014
    • Approx balance £552.82
    • Date last paid (approximate date you last made a FULL payment) APRIL 2015
    • Are you on arrangement or not paying £1 payment agreed for NOV, DEC, 2015, JAN 2016
    • Status (default/in arrears/up-to-date) UNSURE (do not appear to have default notice)
    • Account owner (who is writing to you, a DCA or the lender) MOORCROFT (no notice of assignment received)




    History:
    April 2015 - last full payment made
    30.8.15 - let confirming acc has been referred to "Argos Recovery Services, a specialist Debt Collection team"
    8.9.15 - let sent to Argos requesting 30 days hold of action and interest freeze
    11.9.15 - let from Argos - "notice of intended recovery action". Threatening "may be passed to recovery specialist", "legal action may be taken to obtain County Court or Sherriff Court Judg so that enforcement activity can be taken", and adding admin charge of £12 to account for the sending of letter
    23.9.15 - let from Argos FRS acknowledging letter of 8.9.15, requesting Income and Expend and and offer of payment
    8.10.15 - let sent to Argos FRS with Income + Exp and offering £1 per month for next three months
    20.10.15 - let from ARgos FRC agreeding to £1 per month for Nov 2015, Dec 2015 and Jan 2015 - first 2 payments made, 3rd scheduled.
    5.12.15 - first letter from Moorcroft
    9.12.15 - let sent to Moorcroft requesting confirmation of any purchase/assisgnment, copy of original contract and accounting, requesting written comms only,
    8.1.16 - received letter from Moorcroft with agreement plus statements. Has not confirmed any assignment.


    Can anyone please advise if the attached agreement is legitimate / enforceable??
    Attached Files
    Tags: action, april, argos, arrangement, attachment, card, contract, county, court, credit, credit card, date, dca, debt, debt collection, default, default notice, enforcement, income, interest, legal, loan, moorcroft, niddy, payments, purchase, recovery
  • #2
    Re: JamesC vs Moorcroft/Argos

    Hi James hang on someone will be a long soon xx
    if you do it today and you like it you can always do it again tomorrow

    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #3
      Re: JamesC vs Moorcroft/Argos

      morning James

      no idea I'd be happier if you took that attachment down. You need to send an unredacted copy to Niddy (its perfectly secure) and he will have a look at it for you.

      Comment

      • #4
        Re: JamesC vs Moorcroft/Argos

        Hiya how are things going ?
        if you do it today and you like it you can always do it again tomorrow

        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #5
          Re: JamesC vs Moorcroft/Argos

          Originally posted by JamesC View Post
          Can anyone please advise if the attached agreement is legitimate / enforceable??
          Its
          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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