Charlee UE Diary

[Susie]

Re: Charlee UE Diary

Halifax Credit Card now being dealt with by Moorcroft.

Help needed please. Letter from Moorcroft dated 28th November received 5th December (yesterday) telling me I need to pay £8545 within 7 days or contact them by phone or letter with a payment offer. I'm awaiting a reply from Niddy to say whether the CCA is enforceable. Can anyone advise on how I should respond please as the deadline has already passed.

Since they did not appear to specify which 7 days they were giving you to respond in, I think its safe for you to choose the ones that are convenient to you, therefore there is no deadline to miss

[nanna58]

Re: Charlee UE Diary

It's a scare tactic you'll be fine xx

[Charlee]

Re: Charlee UE Diary

Thanks Niddy and complete CCA now emailed.

[Never-In-Doubt]

Re: Charlee UE Diary

Still awaiting email of agreement (unedited)

[Pixie]

Re: Charlee UE Diary

Halifax Credit Card now being dealt with by Moorcroft.

Help needed please. Letter from Moorcroft dated 28th November received 5th December (yesterday) telling me I need to pay £8545 within 7 days or contact them by phone or letter with a payment offer. I'm awaiting a reply from Niddy to say whether the CCA is enforceable. Can anyone advise on how I should respond please as the deadline has already passed.

First of all don't worry, the deadline doesn't mean very much. Moorcroft are one of the "softer" DCAs. Remind Niddy as he says in post #26. You could probably do with joining AAD+ to have access to all our template letters; there is a section on the top of the right hand side of the forum home page about upgrading to AAD+.

Regards Halifax, you redacted it so I couldn't do anything. If you email an unedited copy I'll look at it as I don't retain historic emails so won't have the last one you sent. If for any reason I don't reply within a few days (3/4 days) please remind me by email or PM here as it could be lost in transmission / blocked by spam filter / missed by me so always chase me if you've emailed anything.

[JLC]

Re: Charlee UE Diary

It's just a standard letter trying to scare you. If it was me, I'd file it and wait to see what comes next. When a debt gets sold on, you have to ask why and it's usually because they know (the original creditor) that there is something wrong.

[Charlee]

Re: Charlee UE Diary

Halifax Credit Card now being dealt with by Moorcroft.

Help needed please. Letter from Moorcroft dated 28th November received 5th December (yesterday) telling me I need to pay £8545 within 7 days or contact them by phone or letter with a payment offer. I'm awaiting a reply from Niddy to say whether the CCA is enforceable. Can anyone advise on how I should respond please as the deadline has already passed.

[nanna58]

Re: Charlee UE Diary

We are here to help and support you all of the way xxx

[Pixie]

Re: Charlee UE Diary

The support is what makes us stand out from the rest. We've all been in similar situations so we understand.

[Charlee]

Re: Charlee UE Diary

Niddy, thank you so much and I'll email the complete agreement again. Thanks also to Pixie and JLC because the support from this forum is excellent and it's slowly helping me to cope with all of this.

[Never-In-Doubt]

Re: Charlee UE Diary

Try not to worry. They do bark a lot and if they get arsey then we're here to help.

Regards Halifax, you redacted it so I couldn't do anything. If you email an unedited copy I'll look at it as I don't retain historic emails so won't have the last one you sent. If for any reason I don't reply within a few days (3/4 days) please remind me by email or PM here as it could be lost in transmission / blocked by spam filter / missed by me so always chase me if you've emailed anything.

Regards the enforceable agreements, if you're being hassled then send a missing PT's template which will buy a few extra weeks peace and make the DCA rethink if it's UE after all. Always best to stay quiet after doing a CCA Request, regardless if it's EN or UE as a lot of DCA letters are system generated so you could get months of peace n quiet if you play the game right.

[Pixie]

Re: Charlee UE Diary

I uploaded the complete Halifax agreement a few weeks ago but haven't heard whether it is enforceable or not.

Did you put your forum user name in the subject line? I've PMd Niddy about this.

[Pixie]

Re: Charlee UE Diary

Until I decided to deal with my debts (I too was basically living off credit cards) I had no encounters at all with DCAs. Now I'm quite an expert on them! Some are easy to deal with, some not so easy. Moorcroft come into the easy group

The only difference that having your own house has is that they may apply for a charging order but that's a long long way down the line and may never happen so not worth bothering about at this stage. Just keep posting up when you receive any letters etc.

[JLC]

Re: Charlee UE Diary

Hi JLC - thank you for your response and support. I uploaded the agreement in the required way but also emailed It to Niddy and still awaiting a response. I know he may be busy and I really appreciate the help I've received from him and others so far. Trying not to worry but easier said than done so thanks again for your support.

I worried a lot in the beginning. I'm nearly a year in now and things have changed a lot. Email it again to niddy for a gentle nudge.

[MrsD]

Re: Charlee UE Diary

JLC is quite right, early in the proceedings for you, I would just ignore the letters for the moment but keep letting us know when you get a new letter. The thing is not to speak to these people, don't fill in any forms and essentially don't tell them anything. It is difficult in the beginning, but like Pixie we also blagged quite a few enforceable debts and all of ours are now SB. Please remember that if you don't have it, they can't have it!!!! and credit cards are a long way down the list of urgent!