Moorcroft x2 Success

by sirus0 Thu Aug 24, 2017 11:06 am

Hi all,

Just to share with you some of my recent success against Moorcroft DCA.
These are 2 letters for 2 different cases.
I have few other debt collectors who run away in the past - I'll post the letters in the near future to encourage others to fight them back.
The level of fraud and crime in the courts, councils and banks is huge! We have to expose it and fight back whatever it takes as our kids deserve better future.

Moorcroft x2 Success Moorsa10

by Tiggy Thu Aug 24, 2017 1:11 pm

Moorcroft only ever act as agents, usually for an original creditor.

The original creditor will probably try a number of different agents before finally selling on to a debt purchaser, it's only then that things might get serious, upto then they can be safely ignored.

by ceylon Thu Aug 24, 2017 4:08 pm

by pipsaholic Wed Sep 27, 2017 11:27 pm

yeah they try their luck 2-3 times before they give up. Challenge the default.

by petesomething Wed Sep 27, 2017 11:46 pm

Hi pipsaholic

well done , remember if you get any more letters from different DCA , start the (new ) 3 letters again Very Happy

by sam66 Thu Sep 28, 2017 10:00 am

Nice one.

It does seem Moorcroft are pretty good at sending these standard "we give up" letters when challenged with the 3 letter system.

by Keithatlm Sun Oct 15, 2017 3:07 pm

Had the same letter from moorcroft now got wescot chasing 1 letter sent second on it's way Monday properly cabot next they seem to own most DCA's The new letters are great thanks for all the work Very Happy

by pipsaholic Sun Oct 15, 2017 3:40 pm

Some creditors only use 2 DCA then give up defaulting you for 6 years. I understand that before your default becomes statute barred they take you to court for a 5.5 year debt hoping they will recover funds but it's another procedure you go through with the court before you win indefinitely.

by petesomething Sun Oct 15, 2017 4:11 pm

hI pipsaholic

We use the 3 letters , to ask for paperwork that we know they have not got ,some times they give up from first letter some times it takes all 3 letters or the 3 letter plus sending them a bill, and some times it may go to court ,

but they can give up at any time indefinitely Very Happy

by pipsaholic Sun Oct 15, 2017 4:54 pm

sure in my own experience it takes more than 3 letters. more like 9 letters who knows if they will take me to court in 5 1/2 years time only time will tell.

by petesomething Sun Oct 15, 2017 6:24 pm

HI

Why would they wait for 5 1/2 years if they have the paperwork to win in court ,
use the new 3 letters , after the third letter send them a bill , the above is an agent for the creditor so they may send the debt back to the creditor , if it goes to a new agent or the creditor sells the debt you will need to do the 3 letters again , but if they have the paperwork why send it back :scratch:

by pipsaholic Sun Oct 15, 2017 6:26 pm

So, the debt doesn't become statute barred then they have no chance. They will lose anyway however they make it as difficult as possible including logging it with the courts.

Are they new 3 letters? Dont you already sent them a bill on the 3rd letter for responding to further mail?

by petesomething Sun Oct 15, 2017 7:52 pm

HI pipsaholic

When the debt has been sold to a DCA on your first letter you give them 10 days any letters after this you can bill them , it is your time your choice

A debt becomes statute barred after 6 years limitation act 1980 in Scottish debt 5 years, this is after default notice or last payment and never admit the debt by letter to a DCA

the above is a agent

by pipsaholic Sun Oct 15, 2017 8:02 pm

Yes, I understand you can bill them.

I didn't know it was 5 years in Scotland even better. On another website I have seen DCA and original creditors launching legal action after 5-6 years after they have heard nothing from them since they said they would pass the debt back. I could be wrong but the psychology of that I think is your financial circumstances will be better in 5-6 years so lets go after him/her for their money. Some give in others in the know stand up and fight.

by petesomething Sun Oct 15, 2017 9:06 pm

HI pipsaholic

you have made two good points

1/ people should not think a DCA will give up after a few letters some times they dont it can be hard
work ,
but never give in , this is why daveiron created the new 3 letters.:D

2/ A DCA could still chase you even after the six year when statute barred , hoping you will pay, but they have no power in law to collect even through the court,

If you get a letter from original creditor or DCA and its a old debt , always check default notice date and last payment,

if a agent passes the debt back to the original creditor even in 5 years they would still need the paperwork ,

thanks pipsaholic this will help some one . :D

by pipsaholic Sun Oct 15, 2017 9:38 pm

Although the 3 new letters are good I believe more can be added to them such as asking them for full disclosure of documents relating to their license to operate, if the fee has been paid, money laundering procedures have been correctly followed and audited.

by **Mrblue2015** Sat Jan 06, 2018 10:23 am

Well done Siris0 !

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