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Aggressive/bullying debt collection agency - help needed

#1
At the risk of being told tough shite, there are mitigating circumstances for me getting into debt. I've held my hands up and paid what I can afford but after losing my job I've now got to deal with Moorcroft threatening home visits for paying less than they tell me I can afford.

Their income Vs expenditure form doesn't allow for things such as food ffs!

I'm busy trying to find a job without dealing with this blind. I've sniffed around the internet and there is something about an SRA and request for CCA....


If anyone can give me any accurate guidance I'd be very grateful.
 
#3
Our local branch got shut down for financial irregularities, so pardon me for having zero confidence in them.

When I lost my job the first time I went to them and they were useless, kept saying come back when you have more information. There was no more information to get. I dealt with it by myself faster than they were ever going to.
 
#4
Go and see your local Citizens Advice Centre, they have all the latest information and their help is free.

I had to bail out a relative last year in the same situation, on speaking to the Credit Agency I was told that had he made an offer of anything instead of hiding his head in the sand over it then they would have accepted.

It sounds to me like this lot are just trying to see how far they can push you to pay. If they can screw an extra tenner a month out of you they will, the lad I spoke to at my brothers debtor's that offering to pay SOMETHING limits their options a good bit.

Speak to the Citizens Advice and try to relax about it.

EDIT : Bugger .. a few posts while I was typing this !! .. have you tried the National Debt Line .. http://www.nationaldebtline.co.uk/
 
#5
Get in touch with Pay Plan http://www.payplan.com/ I can thoroughly recommend them. They will deal with the debt agency and help set up a payment plan.
 
#6
I pay monthly by Standing Order. I notified them in advance that I couldn't afford what they insisted I had to pay, now they're saying that as I'm either £13 or £28 (depending which letter you read) in default I now have to pay the full £1300 or I'll have someone on my doorstep.
I've reduced it to a quid a month, not a lot I know but best I can do.
 
#9
Tiddle said:
threaders_vm said:
How much do you want for your tv?
Bugger that, how much do you want for your arse?

;)

Lots on account of it being mahoosive 8O
 
#10
threaders_vm said:
ExPadBrat said:
II now have to pay the full £1300 or I'll have someone on my doorstep.
I've reduced it to a quid a month, not a lot I know but best I can do.
If it's any consolation to you I lost a £20 note yesterday. I'm not bothered though as I'm minted.
Bored now. There you go little boy, you got some attention. Now go and play while the grown ups talk, there's a dear :roll:
 
#11
ExPadBrat said:
Tiddle said:
threaders_vm said:
How much do you want for your tv?
Bugger that, how much do you want for your arse?

;)

Lots on account of it being mahoosive 8O
Big ex pads brat? yummy!

Name your price, do you do out-calls?

On a serious note I'd think about "selling" some of your stuff to a trusted relative, if things come to the worst and they send the bailiffs in you can say "sorry all I own is the cloths on my back".

I have seen it done in the block with German bailiffs, funny as fuck seeing the German meat-heads face as this lads room mate waves a bill of sale for all his kit!
 
#12
Tiddle said:
ExPadBrat said:
Tiddle said:
threaders_vm said:
How much do you want for your tv?
Bugger that, how much do you want for your arse?

;)

Lots on account of it being mahoosive 8O
Big ex pads brat? yummy!

Name your price, do you do out-calls?

On a serious note I'd think about "selling" some of your stuff to a trusted relative, if things come to the worst and they send the bailiffs in you can say "sorry all I own is the cloths on my back".

I have seen it done in the block with German bailiffs, funny as fuck seeing the German meat-heads face as this lads room mate waves a bill of sale for all his kit!
backdated a couple of months too so they can't try and demand the money gained from the sale.
 
#13
I had to deal with these chimps about three years ago.

First off don't acknowledge that you owe this money, you haven't been to court, its an alledged debt.

Find a copy of the Consumer Credit Act 1974 letter on the site linked below.

Copy it, send it, and work out and equitable way of settling this.

This lot are bullys who will try to terrify you down the phone, they did it to my mum...once.
I looked into it, read them the riot act and got her debt reduced.

If they don't respond in writing to you within x amount of days the debt will be negated.

I can't remember all of it, but everything you'll need is on the site.

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/26978-moorcroft-debt-recovery.html
 
#14
threaders_vm said:
ExPadBrat said:
Now go and play while the grown ups talk, there's a dear :roll:
Is that the 'grown ups' who cant manage their money? Yeah, really mature.
how would you manage your money if you were out of a job all of a sudden?
 
#15
inbredyokel666 said:
I had to deal with these chimps about three years ago.

First off don't acknowledge that you owe this money, you haven't been to court, its an alledged debt.

Find a copy of the Consumer Credit Act 1974 letter on the site linked below.

Copy it, send it, and work out and equitable way of settling this.

This lot are bullys who will try to terrify you down the phone, they did it to my mum...once.
I looked into it, read them the riot act and got her debt reduced.

If they don't respond in writing to you within x amount of days the debt will be negated.

I can't remember all of it, but everything you'll need is on the site.

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/26978-moorcroft-debt-recovery.html
It is my debt I spent the money. Thereagain thanks to a tosser ex and CSA *insert expletive* I didn't have much choice.

Phone?? I'm not that stupid! I dealt with them over the phone the first time I got a letter and the b*tch at the other end reduced me to tears and hung up on me. :x
 
#16
threaders_vm said:
ExPadBrat said:
Now go and play while the grown ups talk, there's a dear :roll:
Is that the 'grown ups' who cant manage their money? Yeah, really mature.

Stop being such a tosser threaders, its a genuine request for advice. There is no shame in finding yourself in debt and being unable to meet repayements.

Ex PB there are plenty of debt specalists out there offering advice, in my (limited) experience CCS are good and offer relevant advice.

Good luck, and make sure that any agreements that you make are followed.


Osta
 
#17
firstly write and telephone them that you are seeking legal advice, once you do this it will give you breathing space, as they can not take any of your possessions until you have gone through the legal process.

Then get a lawyer to deal with it!
 

oldbaldy

LE
Moderator
#18
big_mac4824 said:
firstly write and telephone them that you are seeking legal advice, once you do this it will give you breathing space, as they can not take any of your possessions until you have gone through the legal process.

Then get a lawyer to deal with it!
Don't go to a lawyer, they cost.
Local CAB Money Adviser or National Debt Line:
http://www.nationaldebtline.co.uk/

Both free.

Or you could contact SSAFA, you can get your local phone number here:
http://www.ssafa.org.uk/Branch/index.html

Often CAB & SSAFA work together on debt cases.
 
#19
As has been said several times, go to the CAB or something similar and bear in mind that "They" can't send in the bailiffs without a court order. The only solid advice I'd give without knowing the details is don't ignore it, it won't go away on it's own.
 
#20
Phone them and tell them that you want to see a copy of the credit agreement from the first company that you took it out from.
Trust me they wont have it and without it it is against the law to collect a debt.
 

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