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After months of peace from DCAs, got a letter from our dear friends Moorcroft today. Ah, bless. There is a school of thought just to ignore but I like to nip it in the bud before it goes any further. Sent this to their complaints department. It was one of their "valid even if not read by you" specials.
The Manager
The Complaints Department
Moorcroft Debt Recovery Limited
Registered Office
2 Spring Gardens
Stockport
SK1 4AJ
I am returning your drivel,enclosed.
1) This alleged debt has been in dispute since October 2007
2) There is no agreement, which the bank has acknowledged. All there is a blank application form and illegible Terms and Conditions completely obliterated by microfiche.
3) The alleged agreement was rescinded when the bank unlawfully terminated it after issuing an unlawful Default Notice, which gave insufficient time for the alleged breach of contract be rectified. I have the unlawful DN. I accepted the repudiation of contract,
4) This has already been to Frederickson and Lewis Group and is being passed round like a dose of pox. Moorcroft must like wasting money.
5) The alleged debt was charged off against tax and the balance reduced to zero – I have proof of this from the FOS. The ICO told me the bank didn’t mean me to see it. A zero balance cannot be pursued and that has been the subject of case law.
6) Legal action in Scotland is not possible without an original agreement, including original statements and Terms and Conditions. As stated above, none exist.
If Moorcroft bother me with this again I will make a formal complaint to the ICO as Moorcroft are breaching the DPA 1998. Moorcroft do not have my permission to process my personal data and have no legitimate business reason to do so.
Moorcroft bought another lemon – no surprises there. Don’t contact me again or I will be the one raising litigation. This letter is valid even if you cannot read, which is very possible. If there is anything about this you don't understand then I advise you to take legal advice. Now p*** off.
Pinky69
Cc The OFT Consumer Credit Licence Fitness Department. Moorcroft threatened me with litigation which not only has no likelihood of happening but cannot in law happen. I hope the OFT take as dim a view of this as they have said they will when they come to renew Moorcroft’s consumer credit licence.
The Manager
The Complaints Department
Moorcroft Debt Recovery Limited
Registered Office
2 Spring Gardens
Stockport
SK1 4AJ
I am returning your drivel,enclosed.
1) This alleged debt has been in dispute since October 2007
2) There is no agreement, which the bank has acknowledged. All there is a blank application form and illegible Terms and Conditions completely obliterated by microfiche.
3) The alleged agreement was rescinded when the bank unlawfully terminated it after issuing an unlawful Default Notice, which gave insufficient time for the alleged breach of contract be rectified. I have the unlawful DN. I accepted the repudiation of contract,
4) This has already been to Frederickson and Lewis Group and is being passed round like a dose of pox. Moorcroft must like wasting money.
5) The alleged debt was charged off against tax and the balance reduced to zero – I have proof of this from the FOS. The ICO told me the bank didn’t mean me to see it. A zero balance cannot be pursued and that has been the subject of case law.
6) Legal action in Scotland is not possible without an original agreement, including original statements and Terms and Conditions. As stated above, none exist.
If Moorcroft bother me with this again I will make a formal complaint to the ICO as Moorcroft are breaching the DPA 1998. Moorcroft do not have my permission to process my personal data and have no legitimate business reason to do so.
Moorcroft bought another lemon – no surprises there. Don’t contact me again or I will be the one raising litigation. This letter is valid even if you cannot read, which is very possible. If there is anything about this you don't understand then I advise you to take legal advice. Now p*** off.
Pinky69
Cc The OFT Consumer Credit Licence Fitness Department. Moorcroft threatened me with litigation which not only has no likelihood of happening but cannot in law happen. I hope the OFT take as dim a view of this as they have said they will when they come to renew Moorcroft’s consumer credit licence.
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