Moorcroft Debt Recovery Ltd - Rogues

[WatTyler]

Having sent 3 letters, with payment proposal, budget and an accurate balance statement, to A J Martin (real person or computer-generated ?) to Moorcroft Debt Recovery Ltd, Stockport, all recorded delivery, and having lodged a formal complaint with the FOS; Moorcroft still persist in sending me letters threatening baillifs and legal action. They also kept lying, saying I haven't been in contact. As well as writing to these morons, I've also spoken over the 'phone to their 'Danny', who promised help and did squat. They're also claiming over £1000 more than I actually owe - they're either absolute idiots or crooks (both I suspect).

Moorcroft are no more than a bunch of crooks and charlatans. I encourage anyone being hassled by this bunch of swindlers to lodge a complaint with the FOS, then the OFT and their local Trading Standards, which I plan to do if they persist with their illegal ways.

Moorcroft - bent r us !

[mr.ton]

Re: Moorcroft Debt Recovery Ltd - Rogues

Never communicate with them unless it's through a spiritual medium.

[Pinky69]

Re: Moorcroft Debt Recovery Ltd - Rogues

Moorcroft don't know what day of the week it is. Have you checked they have all the lawful paperwork for this alleged debt? I'll be surprised if they have. They cannot add anything to a debt unless it is in the agreement and it won't be. Their letters are computer generated so don't bother to reply and never speak to them or any other DCA on the phone - all you will get is abuse and lies. Even if they can read they won't understand a word in your replies. I've seen them off twice quite easily. I'm surprised they make any money given their level of total incompetence.

[The Debt Star]

Re: Moorcroft Debt Recovery Ltd - Rogues

I encourage anyone being hassled by this bunch of swindlers to lodge a complaint with the FOS, then the OFT and their local Trading Standards

Do it. You may get some compo for your efforts.

[angelsta904]

Re: Moorcroft Debt Recovery Ltd - Rogues

ive emailed them today with a proposal to pay..
ive writted exactly time date ect and also kept a copy of orignal email.

[factgasm]

Re: Moorcroft Debt Recovery Ltd - Rogues

In the middle of 2004 my wife and I moved from our apartment in Colchester to one in Bournemouth. The day we moved in we started receiving letters from AJ Martin of Moorcroft Debt Recovery. The letters weren't addressed to us by name, they were simply addressed "The Occupier". That made me immediately suspicious. How can a legitimate debt recovery company not know the name of the alleged debtor?

To begin with, I just handed the letters on to the lettings agent, but eventually I opened one and found it was a demand for £49 for energy. As we had just moved in it couldn't have been for energy we had used. We had only just paid our first energy bills for our new apartment. Then more of these letters arrived labelled 'Pre-Court Division' threatening court action, I wrote back to Moorcroft Debt Recovery telling them that as we had only just moved in, it wasn't our debt, therefore would they stop sending these unpleasant letters. Moorcroft ignored my pleas and their nasty letters just kept coming.

I then got worried that perhaps one day while I was out at work they might send in bailiffs, frightening my wife in the process. Therefore, I figured out a way to turn the tables on Moorcroft. Therefore I paid the £49 over the phone (I could afford to lose the money) and when they replied to me acknowledging the payment, I then sent them a further letter stating that as the debt was never mine to settle, I would now be instructing my lawyers to pursue Moorcroft Debt Recovery in court for the money - while demanding damages for harassment.

While Moorcroft repaid the £49 returned my money within days and stopped harassing us, 11 years later the incident is not forgotten and I very much still have an axe to grind with that truly despicable company.

[nemesis45]

Re: Moorcroft Debt Recovery Ltd - Rogues

In the middle of 2004 my wife and I moved from our apartment in Colchester to one in Bournemouth. The day we moved in we started receiving letters from AJ Martin of Moorcroft Debt Recovery. The letters weren't addressed to us by name, they were simply addressed "The Occupier". That made me immediately suspicious. How can a legitimate debt recovery company not know the name of the alleged debtor?

To begin with, I just handed the letters on to the lettings agent, but eventually I opened one and found it was a demand for £49 for energy. As we had just moved in it couldn't have been for energy we had used. We had only just paid our first energy bills for our new apartment. Then more of these letters arrived labelled 'Pre-Court Division' threatening court action, I wrote back to Moorcroft Debt Recovery telling them that as we had only just moved in, it wasn't our debt, therefore would they stop sending these unpleasant letters. Moorcroft ignored my pleas and their nasty letters just kept coming.

I then got worried that perhaps one day while I was out at work they might send in bailiffs, frightening my wife in the process. Therefore, I figured out a way to turn the tables on Moorcroft. Therefore I paid the £49 over the phone (I could afford to lose the money) and when they replied to me acknowledging the payment, I then sent them a further letter stating that as the debt was never mine to settle, I would now be instructing my lawyers to pursue Moorcroft Debt Recovery in court for the money - while demanding damages for harassment.

While Moorcroft repaid the £49 returned my money within days and stopped harassing us, 11 years later the incident is not forgotten and I very much still have an axe to grind with that truly despicable company.

Good morning welcome to LB,

After 11 years there it's unlikely any record of this matter still exist.

Moorcroft state in their letter (s) that the acted as " agents" for BG they even had the debtors name could
not disclose it as that would breach the Data Protection Act 1980.

All that is needed in this situation is to return all correspondence with a covering letter stating they you are a new owner/occupier of a property and have no knowledge of the previous occupants, and you require all conduct to cease.

nem

[FlamingParrot]

Re: Moorcroft Debt Recovery Ltd - Rogues

That was 11 years ago, before these consumer forums were around to guide and enlighten people. For future reference, as these forums are read by thousands if not millions, there are a few things to note if you are experiencing a similar situation.

First of all, debt collectors can't just send bailiffs out of the blue. A judgment (CCJ) or a similar court order (for example, a costs order) is required before a creditor can send bailiffs, and this requires a further application to the court for a warrant of control. Under new regulations that came into force only last year, you'd receive a notice of enforcement giving you at least 7 clear days (which exclude Sundays and BHs) before a visit. Most bailiff visits are for unpaid council tax, parking penalties and magistrates court fines rather than ordinary debts.

A CCJ is not just recorded automatically in court as some people think, they have to send you a claim which you can defend or settle. :thumb:

A DCA like Moorcroft acting on behalf of their clients cannot take you to court, not unless they have purchased the debt, which their letter ps clearly indicate they hadn't, as they describe themselves as "agents". Despite the rather ominous Pre-Court Division red heading, they couldn't have taken you to court because, as agents, they don't own the account. :nono:

Finally, you should never deal with DCAs or creditors in general, over the phone, nor make payments over the phone as they invariably ask you to. Everything should be kept in writing. If you receive a letter from a DCA out of the blue, such as the one from Moorcroft, your first step should be to send a prove it letter and await response. Never ring them and if they ring you, refuse to go through security and log the calls. :typing:

[jon1965]

Re: Moorcroft Debt Recovery Ltd - Rogues

All that was so long ago, anything said or done is now irrelevant . laws have changed, the FCA have toughened standards

[FlamingParrot]

Re: Moorcroft Debt Recovery Ltd - Rogues

All that was so long ago, anything said or done is now irrelevant . laws have changed, the FCA have toughened standards

A lot of people still think bailiffs can just appear out of the blue. :mmph: There's a lot of misunderstanding regarding the different types of debt, i.e. if you don't pay a fine or a liability order they can send bailiffs but then those things are already court orders, unlike ordinary debts where they need to go to court twice, once to get the CCJ and then back to apply to enforce it.