Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» …Gis 20 billion and you can stay minister to Mrs may… sounds like bribery and corruption don’t it?
by ceylon Today at 10:03 am

» Duped into guarantor, severe mental health issues
by waylander62 Today at 9:13 am

» Prisoner, Documentary + Bonus
by Lopsum Yesterday at 9:03 pm

» ...The KaK & M@© Show Do PAEDOPHILES want to make cannabis legal or not?
by ceylon Yesterday at 3:51 pm

» Do banks destroy credit agreements ?
by daveiron Yesterday at 2:51 pm

» ...Are the paedophiles getting treated too good?
by ceylon Yesterday at 12:33 pm

» Potential legal action letter from mortimer clark solicitor
by Jai786 Fri Jun 22, 2018 9:29 pm

» ...The KaK & M@© Show. Has the WAR on CANNABIS been lost?
by ceylon Fri Jun 22, 2018 7:22 pm

» Court claim
by Jai786 Fri Jun 22, 2018 4:59 pm

» UK Column
by ceylon Fri Jun 22, 2018 2:33 pm

» Single Justice Procedure Notice
by pieintheskywhenIdie Fri Jun 22, 2018 2:15 pm

» ...Is Zionist tube censoring AGAIN? Are the commons censoring as well? wJFP7IH25Po
by ceylon Fri Jun 22, 2018 1:12 pm

» ARE WE BEING BETRAYED?
by ceylon Fri Jun 22, 2018 10:39 am

» 24 Storey Tower on Fire in Kensington - dies
by Awoken2 Fri Jun 22, 2018 8:49 am

» New 3 Letters. Any Success?
by discodave4093 Fri Jun 22, 2018 4:42 am

» ...Is it time to end the monarchy?
by El E Mentary Fri Jun 22, 2018 4:00 am

» Lowell
by assassin Fri Jun 22, 2018 3:01 am

» DW Fitness, Parking eye and Debt recovery plus
by assassin Fri Jun 22, 2018 2:48 am

» Clean up.
by midnight Thu Jun 21, 2018 9:56 pm

» Strange new symbol at speakers corner
by daveiron Thu Jun 21, 2018 8:09 pm

» Advice for partner - LOWELL
by DRAGONBORN11 Thu Jun 21, 2018 7:16 pm

» Parking Eye now DRP on my back
by daveiron Thu Jun 21, 2018 7:00 pm

» ...The KaK & M@© Show. £10 a car How much are they scamming out of the public?
by ceylon Thu Jun 21, 2018 6:32 pm

» INFO - NEW Civil Procedure Rules Pre-Action Protocols introduced OCTOBER 2017
by barnwebb Thu Jun 21, 2018 3:42 pm

» Lowell threatening me Again !!
by waylander62 Thu Jun 21, 2018 3:41 pm

» Directions questionaire from lowells solicitors
by jack Thu Jun 21, 2018 3:33 pm

» AMIGOS LOANS ON MY BACK
by waylander62 Thu Jun 21, 2018 3:31 pm

» HELP Demand? I think I have a CCJ!
by Andee Thu Jun 21, 2018 3:13 pm

» Single Justice Procedure Notice
by Winston Thu Jun 21, 2018 2:32 pm

» MORTGAGE FRAUD
by handle Thu Jun 21, 2018 1:46 pm

» ...Did the government protect serial killer doctor?
by ceylon Thu Jun 21, 2018 10:58 am

» ...The KaK & M@© Show. What is value added theft?
by ceylon Wed Jun 20, 2018 10:10 pm

» Are you the only one awake in your family ?
by Tom Bombadil Wed Jun 20, 2018 9:56 pm

» Helping a friend
by waylander62 Wed Jun 20, 2018 8:05 pm

» What are the three foundation documents?
by jack Wed Jun 20, 2018 5:14 pm

» Essex & Suffolk Water
by Sharpysparky Wed Jun 20, 2018 4:58 pm

» Natorial Protest
by Sharpysparky Wed Jun 20, 2018 4:56 pm

Moon phases


My credit card come back alive

Page 1 of 2 1, 2  Next

Go down

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

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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.

daveiron
Admin
Admin

Posts : 956
Join date : 2017-01-17

Back to top Go down

Re: My credit card come back alive

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

Ok thanks

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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?


Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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.

daveiron
Admin
Admin

Posts : 956
Join date : 2017-01-17

Back to top Go down

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

Sent from Topic'it App

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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.

daveiron
Admin
Admin

Posts : 956
Join date : 2017-01-17

Back to top Go down

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

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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!

sirus0
Not so newb
Not so newb

Posts : 51
Join date : 2017-07-27

Back to top Go down

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

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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 [


Last edited by Tiggy on Mon Feb 05, 2018 5:28 pm; edited 2 times in total (Reason for editing : advise to delete i do not know how to delete)

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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)

daveiron
Admin
Admin

Posts : 956
Join date : 2017-01-17

Back to top Go down

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

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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

daveiron
Admin
Admin

Posts : 956
Join date : 2017-01-17

Back to top Go down

The author of this message was banned from the forum - See the message

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

Sent from Topic'it App

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

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

Sent from Topic'it App

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

Tiggy
Moderator
Moderator

Posts : 640
Join date : 2017-08-11

Back to top Go down

Re: My credit card come back alive

Post by Mikeyjohn on Mon Jan 22, 2018 7:57 pm

i just want to thank tiggy for this letter on s78 request ive just copied an will be in the post tomorrow and i wil carry on sending the notice as well

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

The author of this message was banned from the forum - See the message

Re: My credit card come back alive

Post by Mikeyjohn on Mon Feb 05, 2018 4:17 pm

I had sent Hoist Portfoilo Holdings a request for the S78 with the £1 fee
dated 23rd january 2018 ive not heard anything sofar any advice what to do next.
Also i was advice delete the letter ive posted with my full name on it
i do not know how to delete it

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

Re: My credit card come back alive

Post by Tiggy on Mon Feb 05, 2018 5:29 pm

@Mikeyjohn wrote:I had sent Hoist Portfoilo Holdings a request for the S78 with the £1 fee
dated 23rd january 2018 ive not heard anything sofar any advice what to do next.
Also i was advice delete the letter ive posted with my full name on it
i do not know how to delete it

I've deleted it for you.

It's now a waiting game to see what, if anything they come up with.

Tiggy
Moderator
Moderator

Posts : 640
Join date : 2017-08-11

Back to top Go down

Re: My credit card come back alive

Post by Mikeyjohn on Mon Feb 05, 2018 6:28 pm

Ok thanks

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

Moorcroft respond to the S78 request

Post by Mikeyjohn on Thu Feb 08, 2018 6:48 pm

I've just received letter from moorcroft with a 5 page credit agreement where do I go from here

Mikeyjohn
Not so newb
Not so newb

Posts : 29
Join date : 2017-05-28

Back to top Go down

Re: My credit card come back alive

Post by Sponsored content


Sponsored content


Back to top Go down

Page 1 of 2 1, 2  Next

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum