SUCCESS - 3 Letter

by thewhitevest33 Thu Sep 26, 2019 11:35 am

Hi everyone out there. After a long time battling Moorcroft for an alleged debt, i finally got a confirmation letter that they won't be Actively pursuing the account anymore. I did the sending of the the 3 letters and then 30 days later i sent the 'ESTOPPEL' and then a few days later they sent me the letter. I've uploaded the letter so all can see. Stick to your guns and cross fingers to you all that things will turn out OK. A big thanks to all on here that has helped out and especially to 'daveiron' for his help.

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by **Mrblue2015** Thu Sep 26, 2019 12:27 pm

Hi there,

Your letter shows that the debt collection agent (Moorcroft) will no longer be pursing you. However, their client (any idea who that is?) will no doubt get another debt collection agent onto you.

Sorry, that is what is most likely to happen now from my (and many others on here) years of experience with debt purchasers (the clients) and debt collection agents (who simply attempt to collect on behalf of debt purchasers)...

by **Lopsum** Thu Sep 26, 2019 12:53 pm

yes one lot of goons sent packing , well done but there may be more to follow, but they will have no more of a case than moorcroft did.

by **Mrblue2015** Thu Sep 26, 2019 1:02 pm

Sadly Lopsum is right...

by **daveiron** Thu Sep 26, 2019 1:03 pm

As above 3 posts.
So dont sit back ,expect to have to repeat the process.In the meantime set aside some time to do
research ,it will stand you in good stead.

by **Mrblue2015** Thu Sep 26, 2019 1:52 pm

Some additional info for the original poster, thewhitevest33:

Q\ what is the difference between a debt purchaser and a debt collection agency (‘DCA’)?

A/ Short answer, legal standing!

Debt Purchaser:
These companies purchase (alleged) debts. As such, a debt purchaser has some legal authority to chase you for payment as part of their claim to an alleged debt but you still have the legal right to challenge their claim i.e. to demand that they provide the necessary evidence to substantiate their claim.

The letters process is very effective here as debt purchases rarely have all the necessary documents (agreements/contracts/default notices etc) that are required as evidence.

Letters for Debt Purchasers:
https://goodf.forumotion.com/t1131-new-3-letters-for-debt-purchasers

After you have followed the three letter process, a debt purchaser can still attempt to take you to court (via a solicitor) if they think they can win. But this is rare, especially if they have not provided the required documentation. If a debt purchaser ever engages a solicitor on their behalf (sometimes these are in-house) then this is the time to act swiftly especially if you receive a ‘letter before action’ from a solicitor (the solicitor has to make this point explicitly clear). But again, with the right advice here, we can successfully fight these demands as well and more often than not.

Debt Collection Agencies: (e.g. Moorcroft in your case!) Think of these as ‘minions’. Debt Purchasers may attempt to chase you themselves or farm out their dirty work to Debt Collection Agencies (DCAs) who are effectively third party interlopers / parasites COLLECTING on behalf of a debt purchaser i.e. their client. DCAs have NO legal basis to chase you. You can choose to ignore these or use the following template letters:

https://goodf.forumotion.com/t1163-new-alternative-letters-for-dca-s-acting-as-agents

by thewhitevest33 Thu Sep 26, 2019 3:35 pm

Thanks again all for the info as i would of been stuck as what to do if i wouldn't of got help off this site.

Thanks 'Mrblue' for the info, and Moorcroft are trying to collect on behalf of a bank. I am aware that the bank will try and employ another DCA to collect the alleged debt so i will follow the same protocol again of the 3 letters and the Estoppel.

by **LionsShare** Thu Sep 26, 2019 3:54 pm

well done & am glad to others having success.

have delt with moorcroft over utilities myself & sent them packing.

again well done!

LS

by waylander62 Thu Sep 26, 2019 4:32 pm

there is a good chance that the bank will sell this debt to one of the vultures now.

do you have any of your own paperwork for this account? such as the agreement, default notice or any statements

if not now would be a good time to submit a sar request to the bank.

alternatively the bank could issue proceedings themselves but this is not their usual approach

by thewhitevest33 Fri Sep 27, 2019 1:56 pm

Thanks to ' LionsShare' for congrats.
' waylander62' Thanks for the advice and Yes i have all the documentation that the DCA has sent me as i asked for a CCA request last year.

by waylander62 Fri Sep 27, 2019 2:19 pm

Hi

so you sent a CCA request, did they send you a copy of the agreement ?

I actually meant do you have any of your OWN documents on this, not what you have been sent since defaulting by the DCA

what type of documents have the DCA sent ? agreement? default notice? statements ?

by thewhitevest33 Fri Sep 27, 2019 2:49 pm

Hi
They sent me a copy of the 'Agreement' which was done online and 'statements' which the bank sent them as i did the CCA request as i haven't got my own and the bank sent me the 'Default Notice'. Hope this helps.

by **Mrblue2015** Fri Sep 27, 2019 3:46 pm

Unusual for a DCA (let alone debt purchaser) to have bank statements.

by thewhitevest33 Fri Sep 27, 2019 5:58 pm

Mrblue - I sent in a CCA request to Moorcroft and they got the 'Agreement and statements' off the bank and sent them to me.

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