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Moorcroft/Lloyds

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  • #1

    Moorcroft/Lloyds

    Hi, I created a thread earlier today but I can't seem to respond to it. I am being chased by Moorcroft for a 20 year mortgage debt that I have not acknowledged or paid. I am not aware of any CCJ for this debt and I have not moved about or withheld my address from Lloyds as I still use the same account with them for some stuff and I have lived at my current address for 20 years.

    Someone has responded to my earlier thread to say a mortgage debt is statute barred after 12 years. My question is, does this still stand if there is a CCJ that I am unaware of. I just want to get everything covered. I have previously asked another debt collection agency to prove this debt and it seems to have been sold on to Moorcroft.
    Tags: None
  • #2
    I checked my Experian credit file and there is nothing there for this debt. Do I still need to check the Tryst site you mentioned, does it hold different information.

    Comment

    • #3
      I note that Celestine comment has been removed ?

      Comment

      • #4
        Sorry about that, probably happened while I was dealing with a mass spammer attack earlier!
        "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

        I am proud to have co-founded LegalBeagles in 2007

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        • #5
          I just explained that a CCJ falls off credit file after 6yrs, so if there’s nothing there it’s either very old or never existed. Registry Trust may also have the details recorded. If not - you need to demand Moorcroft evidence the enforceability of this debt.
          "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

          I am proud to have co-founded LegalBeagles in 2007

          If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
          If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com

          Comment

          • #6
            Celestine Thank you. If there is a CCJ does this mean it can still be enforced and is it likely that it will be enforced. I actually cannot afford to pay it as I am now unemployed due to the pandemic

            Comment

            • #7
              If there is a CCJ it can be enforced - there is no time limit. However, enforcement must be undertaken in a reasonable time frame and if it has been longer than six years, the courts would be unlikely to be supportive of enforcement action. Why do you even think there is a CCJ involved?
              "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

              I am proud to have co-founded LegalBeagles in 2007

              If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
              If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com

              Comment

              • #8
                I don't know that there is a CCJ involved. About 18 years ago I redirected the bank/solicitors back to my ex partner as it was a joint mortgage. I don't know if a CCJ was ever issued against him which he's not paid so they are still chasing me for the money. I don't recall ever receiving a CCJ and I'm sure I would remember this and dealt with it at the time if I had. I have also been reading some stuff online which has confused me as there seems to be some conflicting information out there (probably a stupid thing to do).

                Comment

                • #9
                  Research is always wise in this situation. It certainly does not sound like there is a CCJ so your approach should be: 'Prove it' to Moorcroft, otherwise tell them to cease contacting you.
                  "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

                  I am proud to have co-founded LegalBeagles in 2007

                  If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
                  If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com

                  Comment

                  • #10
                    Celestine I hope there isn't, especially after this length of time I don't think that would be very fair
                    • 1 thank

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