moorcroft

[kaz1975]

Hi..i have had numerous threats by letter from moorcroft..today a doorstep man came.i didnt answer he posted card saying he be back nxt week..its a credit card debt for 7000..i scared..dont knw wat to do

[Kati]

Re: moorcroft

Hi Kaz ... can you tell us more?

You say it's a credit card debt ... Who was it with? When was it taken out? How long ago did you default?
What letters have you had before today? From who?

[kaz1975]

Re: moorcroft

Two years since default..lloyds tsb it was..debt about 10 years old.letters from moorcroft.threats about doorstep collector and he actually called today i didnt answer..he posted card saying he b bk nxt week..i was paying under court order to sechiari clark but stopped paying two years ago..so they must of sold it on to moorcroft

[nemesis45]

Re: moorcroft

The most important things to remember are.

1. The doorstep collector or whatever meaningless title Moorcrap deem to give them now has absolutely No authority apart from spouting his " company script!

2. You are under no obligation whatsoever to discuss anything at with him.


3. If this person should show up again " invite" to leave your property immediately any refusal or argument call the police and tell them you feel threatened.

4. He cannot demand money, access to your property, insist you converse with him.


5. There is no need to be scared of this rif raf.

nem

[kaz1975]

Re: moorcroft

What if he threatens court action and comes back with courr warrant for my belongings.

[seduraed]

Re: moorcroft

You re mistaking a debt collector for a court bailiff . debt collector has no power , none whatever and works on persuasion to get money from people . Actually most of them are self employed . I used to work for moorcroft many years ago . A bailiff / enforcement agent can only be appointed after a county court claim has been issued and a judgment given . There are processes the creditor must go through before the bailiff can be sent so dont panic. Dont talk to moorcroft do everything either by email or in writing so that there is a paper trail .

[FlamingParrot]

Re: moorcroft

Two years since default..lloyds tsb it was..debt about 10 years old.letters from moorcroft.threats about doorstep collector and he actually called today i didnt answer..he posted card saying he b bk nxt week..i was paying under court order to sechiari clark but stopped paying two years ago..so they must of sold it on to moorcroft

Court order? Are you saying there's already a CCJ on this account? :noidea:

Why did you stop paying? When there's a court order, you need to apply to the court to vary the terms of the order if you cannot longer afford them. If you just stop paying they can enforce the debt via attachment of earnings, warrant of control, etc.

Can you please clarify whether there is a judgment?

[nemesis45]

Re: moorcroft

What if he threatens court action and comes back with courr warrant for my belongings.

As has already been said the doorstep collector, has no powers whatsoever.
Before any enforcement action could take place the creditor Must:

Issue a claim in the county court.
You defend the claim if you lose the claimant can>
Be awarded a judgement.>
Can only apply for a warrant if the defendant does not
adhere to the judgement order.

The use of the " man in the dirty mac" is just another means of intimidation, so tell him to " go forth and not to come back"!!!

nem

[kaz1975]

Re: moorcroft

As has already been said the doorstep collector, has no powers whatsoever.
Before any enforcement action could take place the creditor Must:

Issue a claim in the county court.
You defend the claim if you lose the claimant can>
Be awarded a judgement.>
Can only apply for a warrant if the defendant does not
adhere to the judgement order.

The use of the " man in the dirty mac" is just another means of intimidation, so tell him to " go forth and not to come back"!!!

nem

He came back again yesterday on a sunday of all days..i didnt answer..to scared to open the door dont even knw wat to say to him.

[kaz1975]

Re: moorcroft

He came back on sunday..didnt answer door was to scared..dont even knw what so say to him.

[kaz1975]

Re: moorcroft

There was a ccj on this from 2010..thinking of ringing them and trying to come to an agreement so save the stress of it all..ccj was that i pay 10.00 a month.

[wales01man]

Re: moorcroft

Just 2 words you need as others have said he has no powers

[kaz1975]

Re: moorcroft

Will the ccj from 2010 still stand..really stressing over this.its was with sechiari clark and mitchell but has now been passed to moorcroft.

[nemesis45]

Re: moorcroft

Hi,

Idiot calling on a Sunday is way out of order, but he is nothing to be afraid of he has no legal powers whatsoever.
Give me a minute to sort something and I'll get back to you.

nem

[kaz1975]

Re: moorcroft

Will the ccj from 2010 still stand..really stressing over this.its was with sechiari clark and mitchell but has now been passed to moorcroft.