My credit card come back alive

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

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.

Ok thanks

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

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.

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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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

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

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

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

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!

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

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 [

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)

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

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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.


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

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

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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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

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

Hi
I'm pleased you have sent the S78 request- a very useful and powerful tool. The only firm that i know of who try to wriggle out of their responsibilities are Arrow Global who always say they do not think they are the creditor

I have just noticed, you have left your name on the letters so you might want to remove them, companies have a habit of looking at these forums

Incidentally and i the FCA is offline today but it is possible that Hoist are un licensed , now this is a very difficult argument to run and not as simple as saying they are unlicensed but I know a solicitor who seems to be having a lot of success running that argument- most of the claims are discontinued , my guess is that the creditors do not want this testing in court when faced with

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 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.

Ok thanks

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