New and confused

[Never-In-Doubt]

Re: New and confused

Not with you being so prim and proper!!!

Whatever you say

[garlok]

Re: New and confused

Hi samsmum,

I see you have had a note sent home from the pre school potty training group at Moorcroft Towers. You must have read my comments about these cretins elsewhere on here. They have these "divisions" for everything including opening the coffee tin, however they have to get an intelligent temp from an agency in to open the sugar bag.

If they actually do threaten (not the ifs buts and maybes) they get a letter which when opened they poo their pants, send the account back to the OC and make a run for the basement toilet for nanny to change their nappies.

Jokers!

regards
Garlok

[samsmum]

Re: New and confused

Hi samsmum,

I see you have had a note sent home from the pre school potty training group at Moorcroft Towers. You must have read my comments about these cretins elsewhere on here. They have these "divisions" for everything including opening the coffee tin, however they have to get an intelligent temp from an agency in to open the sugar bag.

If they actually do threaten (not the ifs buts and maybes) they get a letter which when opened they poo their pants, send the account back to the OC and make a run for the basement toilet for nanny to change their nappies.

Jokers!

regards
Garlok

So i take it i dont need to worry too much about them then??

I'll do a bit of reading up about your thoughts on them tonight. Think i can guess though

[garlok]

Re: New and confused

Hi samsmum,

In the position that this alleged account appears to be in, I would have thought that you have little to worry about from Moorcroft. They do not own the alleged debt in Absolute and hence have no legal powers or authority whatsoever. They have no cause of action to go to court of their own volition, they can only act in conjunction with the OC. Their ONLY weapon against you at this moment is your OWN fear of what they might or might not do, which actually is NOTHING only bully, posture and threaten. Once they see you are not going to roll over at their bidding they go away to prey on someone weaker and more vulnerable. Despicable toerags.

regards
Garlok

[samsmum]

Re: New and confused

I just assumed that they now owned the debt so they had all the powers. Still got lots to learn.

Many thanks
Samsmum

[Pixie]

Re: New and confused

You're learning fast samsmum

I shouldn't think you've anything to worry about from Moorcroft. I've seen them off from a couple of mine (though I did get a doorstep visit - he got the door shut in his face! )

[samsmum]

Re: New and confused

Update. Do i send anything please?

2nd post at 6.30pm. What's that all about??
Notice of Assignment from Arrow Global. Says MBNA have assigned all its rights, title and interest to them. Account will be managed by Westcott Credit from 7th December 2011!!

[samsmum]

Re: New and confused

You're learning fast samsmum

I shouldn't think you've anything to worry about from Moorcroft. I've seen them off from a couple of mine (though I did get a doorstep visit - he got the door shut in his face! )

Thanks Pixie. Bet that made your day

[pompeyfaith]

Re: New and confused

I have seen off moorcroft three times and on one occasion they where chasing a loan I had already settled with the bank, with PPI refund funds so I invoiced them for £168.

This was cost in replying to there mail, postage etc.

They paid out too !!!!!!!!

[Pixie]

Re: New and confused

2nd post at 6.30pm. What's that all about??
Notice of Assignment from Arrow Global. Says MBNA have assigned all its rights, title and interest to them. Account will be managed by Westcott Credit from 7th December 2011!!

2nd post?! I haven't had 2nd post for ages. The other day, my "1st" post came at 5pm!

[pompeyfaith]

Re: New and confused

Pixie,

Funny you say that ours did not come until 4pmish today, I was well pissed off too as there where no threat letters !!!!!!!!!!!!!

[Never-In-Doubt]

Re: New and confused

Ours comes at 6am most days and 2nd between 11-1.

Only cos our posty is a neighbour and pops home thru the day so does our street as excuse I bet. I don't complain

[samsmum]

Re: New and confused

We had one before 9 am which is unheard of. Think that was yesterdays and todays was just running late. Suppose i'll sound really strange when i say i look forward to letters from the DCA's seeing as really i want them to forget about me!!

[samsmum]

Re: New and confused

CO-OP LOAN
11/2002
£4900
04/2003
Not paying
arrears
Payments to CO-OP
26/9/11 Termination letter received. Advised to ignore
12/10/11 Account being passed to specialist collections. May default, pass to solicitors etc etc. may negotiate F&f.
13/10/11 CCA request sent
13/10/11 SAR sent
31/10/2011..CCA received Niddy says
03/11/2011..CCA Query Missing prescribed terms
16/11/11..Letter received saying they know i live here and assume i am deliberately avoiding them. Ring to make arrangement or will be passed on for immediate recovery action
16/11/11.. ''SPECIAL OFFER'' letter received offering 50% discount if paid within 10 days
15/12/2011..letter received saying as i'm ignoring them they've made the decision to register the account as in default and pass to a specialist DCA and the Co op will not enter into further discussion regarding the debt
17/12/2011..b/f and closing statement received. interest being added half yearly
18/12/2011.. refusal to accept ue status letter sent
07/01/2012..letter received thanking me for my complaint. Concerns will be investigated by a case handler and outcome sent in writing asap
11/ 01/2012...Letter received from MOORCROFT. Been instructed by Co op. Notice of Intended Litigation
12/01/2012..Threat by creditor..to commence litigation letter sent
20/01/2012..Letter received from Co op stating they have investigated and believe account is enforceable and we are liable, and this is their final response. If we're not happy complain to FOS within six months. Account now with Moorcroft
21/01/2012.. Letter from Moorcroft saying account on hold while they investigate matter with Co op

Update

[Never-In-Doubt]

Re: New and confused

Update

See what they do next!!