Moorcroft Reply to CCA request

[Smilesallround]

Moorcroft replied to my CCA request with:

We have forwarded your request onto our client 'Britannica' and will forward you the information in due course. We have put you account on hold and suspending our collection duties until this information is received.

Then went further on to state something about legal action etc.

What should i do now just sit and wait and make no payment??

[ODC]

Re: Moorcroft Reply to CCA request

Yes wait until they reply to your CCA request

[Smilesallround]

Re: Moorcroft Reply to CCA request

Ok, my payment has gone now so i will stop the next one until they show me something.

[FlamingParrot]

Re: Moorcroft Reply to CCA request

Moorcroft replied to my CCA request with:

We have forwarded your request onto our client 'Britannica' and will forward you the information in due course. We have put you account on hold and suspending our collection duties until this information is received.

Then went further on to state something about legal action etc.

What should i do now just sit and wait and make no payment??

That's standard DCA response to a CCA request, they buy debts in bulk without any paperwork and have to go back to the original creditor to get the documents. Depending on what this was for, they may or may not find them. :thumb:

Have you been paying Moorcrap?

EDIT: Just seen your other post, I hope it wasn't a big payment!

[CleverClogs]

Re: Moorcroft Reply to CCA request

If "Britannica" referred to by MoreCrap is Britannica Recoveries, they'll probably neither have the original documents nor even enough bits of documents from which to cobble together what wacky Waksman would have called a twue copy.

[FlamingParrot]

Re: Moorcroft Reply to CCA request

If "Britannica" referred to by MoreCrap is Britannica Recoveries, they'll probably neither have the original documents nor even enough bits of documents from which to cobble together what wacky Waksman would have called a twue copy.

Britannica Recoveries are part of Arrow Global: http://forums.moneysavingexpert.com/...6&postcount=30 Arrow are debt purchasers, not lenders, so they will in turn have to go back to the lender. With so many intermediaries involved, I wouldn't be waiting up for their response!

[Smilesallround]

Re: Moorcroft Reply to CCA request

That's standard DCA response to a CCA request, they buy debts in bulk without any paperwork and have to go back to the original creditor to get the documents. Depending on what this was for, they may or may not find them. :thumb:

Have you been paying Moorcrap?

EDIT: Just seen your other post, I hope it wasn't a big payment!

No i have been making token payments via DMP for 7 years now. They have defaulted me years ago. This was for a Egg loan bought by Britannica who they seem to be acting on behalf.

[Smilesallround]

Re: Moorcroft Reply to CCA request

Yes Britannica Recoveries.........yes thats who Moorcroft have said they have requested documents from and have suspended collection services until they get the information i want.

[Smilesallround]

Re: Moorcroft Reply to CCA request

Well if i will be waiting a while for them to produce something should in a few months just make them a low full and final offer to get rid of them and rid of the debt as fully satisifed?

I want rid of them.

[FlamingParrot]

Re: Moorcroft Reply to CCA request

Well if i will be waiting a while for them to produce something should in a few months just make them a low full and final offer to get rid of them and rid of the debt as fully satisifed?

I want rid of them.

Why would you do that? If it's your credit file you're thinking about, the default will stay on regardless, default removal in exchange for F&F is as rare as hen's teeth!

I would just relax and wait for them to send something, or say they can't find it. MBNA never found my agreement and I haven't heard from them in two years, it's over half way through to SBd. :thumb:

[FlamingParrot]

Re: Moorcroft Reply to CCA request

No i have been making token payments via DMP for 7 years now. They have defaulted me years ago. This was for a Egg loan bought by Britannica who they seem to be acting on behalf.

In this case, the default should have dropped off your credit file by now so it won't make any difference whether you pay or not, however, it won't be SBd because of your payments. :ohwell:

If it was defaulted that long ago, chances of them not being able to produce any sort of agreement are very good! :thumb: When you send a SAR, many banks will argue they only hold data for the past 6 years, if this debt was defaulted and sold on years ago, the agreement was probably destroyed or filed in Outer Mongolia. :lol:

[Smilesallround]

Re: Moorcroft Reply to CCA request

It drops off next year the default...........

So i guess just leave it until they find something.

I didnt think of it like that guess it doesnt make any difference the default will remain....................however i understand even if they dont produce a CCA the debt remains i dont want to have to deal with it later on if they start chasing me.

Guess if they produce something then i can check it to see if its the real deal if not try offer them something to be done with it and not chase me again?

[Smilesallround]

Re: Moorcroft Reply to CCA request

While i am on here..........i have CCA'd Howard Cohen who have been assigned my debt or might have purchased it from HSBC. It was a loan.

does anyone know how good they are at producing CCA's or HSBC?

[FlamingParrot]

Re: Moorcroft Reply to CCA request

It drops off next year the default...........

So i guess just leave it until they find something.

I didnt think of it like that guess it doesnt make any difference the default will remain....................however i understand even if they dont produce a CCA the debt remains i dont want to have to deal with it later on if they start chasing me.

Guess if they produce something then i can check it to see if its the real deal if not try offer them something to be done with it and not chase me again?

Sound like a plan, let's see what they send! :thumb:

While i am on here..........i have CCA'd Howard Cohen who have been assigned my debt or might have purchased it from HSBC. It was a loan.

does anyone know how good they are at producing CCA's or HSBC?

Hard to tell without details, HSBC have bought accounts from other sources, for example a friend of mine has an M&S storecard turned credit card run by HSBC, this is very different from, say, an HSBC loan. It also depends on the date it was taken out. Would you care to give us more details? :typing:

[PlanB]

Re: Moorcroft Reply to CCA request

i have CCA'd Howard Cohen who have been assigned my debt or might have purchased it from HSBC. It was a loan.

does anyone know how good they are at producing CCA's or HSBC?

Howard Cohen is a firm of solicitors who are very quick to litigate and they definitely don't purchase debt. Where do they fit into this story? Have they sent you a LBA on behalf of HSBC or have you had any dealings with their 'associate' DCA called Lewis?