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My credit card come back alive

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My credit card come back alive

Post by Mikeyjohn on Tue Nov 14, 2017 4:54 pm

My Barclaycard has been moved to moor croft I received a letter from Barclaycard saying tha account has been assigned and transferred to Hoist Portfolio Holding Limited, then Hoisted portfolio written to me saying the same thing, these two letters has not been signed,
The third letter from moorcroft is named and signed giving me notice that they are going to contact me in 7 days by letter or phone
Do start the 3 letter process now or wait for the threats
Advice much appreciated

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Re: My credit card come back alive

Post by daveiron on Tue Nov 14, 2017 5:25 pm

I would just wait,see what comes and then send the appropriate new letters,If they phone tell them you will only deal with them via Royal Mail.

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Re: My credit card come back alive

Post by Mikeyjohn on Tue Nov 14, 2017 7:20 pm

Ok thanks

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Moorcroft leaving message on phone

Post by Mikeyjohn on Mon Nov 27, 2017 10:56 am

Moorcroft leaving message on phone for me to contact them, what should I do?


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Re: My credit card come back alive

Post by daveiron on Mon Nov 27, 2017 12:25 pm

They have your name & address ,Let them put anything they have to say in writing.

If you answer the phone they will expect you to go through their security check .This should be avoided as they will attempt to get you to admit account nos etc ,and of course it will all be recorded.

Remember only deal with anybody via Royal Mail.

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Re: My credit card come back alive

Post by Mikeyjohn on Fri Dec 01, 2017 7:04 pm


Just received letter from moorcroft after bombarding me with text messages ,they are asking me to contact them , failure to contact will mean taking further action, or use another debt collection agency.
Hope you can see picture of letter
Is this right time to use the three letter process

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PO box no 17 with moorcroft

Post by Mikeyjohn on Tue Dec 05, 2017 2:35 pm

I am sending moorcroft a letter, it's got PO box no 17 2 Spring gardens Stockport , sk1 4AJ
Should i ignore the PO box no 17

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Re: My credit card come back alive

Post by daveiron on Tue Dec 05, 2017 2:51 pm

Yes send to whatever non PObox address you have. And send by recorded mail.

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Thanks for a quick reply

Post by Mikeyjohn on Tue Dec 05, 2017 2:59 pm

I am sending the letter today
So I'll just ignore the po box

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Moorcroft reply after10 days

Post by Mikeyjohn on Mon Dec 18, 2017 3:09 pm

I've sent moorcroft the new letter in writing, I've already sent the second letter.
Moorcroft replied 10 days after the first letter, saying my letter is exact copy of what they had before, they notice that i am trying the 3 letter process, saying it will not work , saying that Ive got this from the internet

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Re: My credit card come back alive

Post by sirus0 on Mon Dec 18, 2017 3:23 pm

Just keep sending them the letters. They always say that and then they close the account.
To make letters stronger I would replace all "I"s with your full name written in this format: " :First-Middle :Last " eg: :John-Mark :Smith
I would then replace all "you" with their full name, probably A.J. Martin

A.J. Martin
Moorcroft Debt Recovery Ltd
Moorcroft House
2 Spring Gardens
Stockport
SK1 4AA
Email: customers@moorgroup.com


Ask them for a copy of their Debt Collection license, Bailiff certificate and Public Indemnity Insurance.

I wonder what do you mean by the title of this topic "My credit card come back alive" ?
Did you meant that they (DC) are chasing you for money or that you can use your card in the store?

Good luck!

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Re: My credit card come back alive

Post by Mikeyjohn on Mon Dec 18, 2017 3:37 pm

The title my credit card come back alive
After the first 3 letters process I've not heard anything from them for about 6-7 months
I assumed I will never hear from them

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Letter from. Moorcroft

Post by Mikeyjohn on Mon Jan 15, 2018 8:51 pm

just received this letter from moorcroft that if I've upload it right
Not quite understanding what they are trying to say
Can someone please explain this letter to me

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Re: My credit card come back alive

Post by daveiron on Tue Jan 16, 2018 5:28 am

I would make a copy & return their letter pointing out your statement in the notice you sent to them that requires a signature from a named individual who takes liability for its contents . Their letter did not conform.

Just carry on with the notices (letters)

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Re: My credit card come back alive

Post by Mikeyjohn on Tue Jan 16, 2018 4:59 pm

Is it ok to use the template letters instead of writing it out

Sent from Topic'it App

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Re: My credit card come back alive

Post by daveiron on Tue Jan 16, 2018 6:45 pm

Use the new ones , i know its a bit of typing but you get a lot more understanding of them that way ,rather than a downloadable template.


http://goodf.forumotion.com/f37-new-letters-process

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Re: My credit card come back alive

Post by warwick65 on Tue Jan 16, 2018 7:51 pm

Moorcroft are rather lame if persistent, once you annoy them enough they will pass the debt back to HPH2 who i guess are the owners of the debt.

Just out of interest, is this a large amount as some B/Cs tend to be?

Depending on what the account was opened and particularly if it has not always been a B/C I would be thinking of sending a S78 request

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Re: My credit card come back alive

Post by Mikeyjohn on Wed Jan 17, 2018 1:19 pm

The amount is just under 4000
Please explain what is a s78

I've also got 3 more credit card to deal with one another Barclaycard

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Re: My credit card come back alive

Post by Tiggy on Wed Jan 17, 2018 6:21 pm

@Mikeyjohn wrote:The amount is just under 4000
Please explain what is a s78

I've also got 3 more  credit card to deal with one another Barclaycard

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It's a request under Section 78.1 of the Consumer Credit Act, if they can't supply a copy of the agreement then under Section 78.6 the debt is unenforceable against you. You have to address it to Hoist and pay £1 fee.

Request under s.78 Consumer Credit Act 1974

Dear Sirs
Re: Account / Reference Number: xxxxx / xxxxx

With reference to the above agreement, I require that you provide me a true copy of the credit agreement.

I am aware that section 78(1) of the Consumer Credit Act 1974 sets out clearly what is required to comply with my request and quote “shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it”. For clarification I require a copy of the agreement, any terms and conditions from the time when the agreement was executed, the current terms in force or in the alternative the notices of variation of each term as approved in Carey v HSBC Bank Plc and a copy of the cancellation notice if the agreement refers to “Your Right to Cancel” within it. I also require a statement as laid out also within section 78(1)(a-c). If there weren’t any terms and conditions then please confirm this in your response.

I am entitled to receive the information on request. I enclose a payment of £1.00 per account, which represents the fees payable under the Consumer Credit Act 1974. This request is a statutory request and should not be construed as any acknowledgment or payment towards any account.

I understand that Consumer Credit (Prescribed periods for Giving Information) Regulations 1983 (SI 1983/1569) at Regulation 2 sets out the required time frame for compliance with this request as being 12 working days from receipt.

In the event that you do not consider yourselves the “creditor” I direct you to s189 Consumer Credit Act and the leading case of Jones v Link Financial Ltd [2012] EWHC 2402 (QB) (22 August 2012) which confirms that assignees of an account are the creditor and must comply with statutory duties.

In accordance with the new FCA guidance, if the copy of the executed agreement is reconstituted, then I expect you to confirm this is the case and to confirm what steps were taken to provide this reconstitution as set out in the FCA handbook CONC 13.1.4 (2).

I look forward to hearing from you
Yours faithfully

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