Moorcroft debt

A question about : Moorcroft debt

**UPDATE**

I spoke with my Dad and for various reasons he has said I have to get rid of the debt asap as it is his address it is registered to and someone in the family works in the legal profession so can't have this on her address.

I called up the debt collector and enquired about a full and final settlement. I asked if Natwest would also write it off and he confirmed they would. I said that I would require the F&F offer in writing if I were to agree to it *before* I paid anything.

He said about 60% of the debt is what he usually gets as a F&F but I was thinking that when he comes back with his figure I'll offer him something significantly lower and then we can meet in the middle.

Is this reasonable? Has anyone come to a F&F settlement with Moorcroft/Natwest?

Hi all,

I'd just like some advice about a debt Moorcroft are chasing me for.
It's about Ј1000. I thought it was on my Experian credit report but it turns out it is not.

The Moorcroft bailiffs visited the other but I have had this debt a good few years and part of me just wants to ignore it as it has been on my credit report and now is not.

Is that a really bad move?

I have other things on my credit rating which are more pressing that I deal with.

Thanks
Jo

Best answers:

• Moorcroft are not bailiffs. They are debt collectors, with no powers whatsoever.
  How many years is it since you last made payments on this debt or wrote to someone acknowledging it?
• Knowing Moorcroft and the way you are describing it, it looks pretty likely it's statute barred. If you last made a payment more than six years ago, and have not since acknowledged in writing that you owe the money, then that will be the case- sounds like it since as it's been on your credit file and come back off the same six years applies to that.
  If this is right it cannot be enforced with Court action; but that wouldn't stop a thoroughly disreputable bunch like Moorcroft from trying to pretend it can.
  The "bailiff" is a liar and an impostor, as they don't have bailiffs, and bailiffs can only be instructed after a Court judgment. That should give you an insight into the sort of scum Moorcrofts are.
  You can either completely ignore (they will go away once they realise you are wise to them and you are not going to pay) or you can make an official complaint. Sending someone to pretend to be a bailiff is a criminal offence.
  But whatever option you choose, -PROVIDED- this debt is over 6 years- they cannot touch you.
  Even if it is less than 6 years old, I have found it is perfectly safe to ignore Moorcroft. Whatever you do don't contact them as all you will get is some moronic bully shouting at you.
  Edit:
  If they have no address for you and they clearly don't, then do not provide them with one by responding to them. They WILL go away, they aren't going to carry out house to house inquiries over a debt of Ј1000 which they pretty certainly won't be in a position to prove; even if it isn't statute barred.
• It depends when you first defaulted on the debt. If you defaulted more than 6 years ago, and that was recorded then, the default and any record of the account would be removed from your report 6 years later.
  Or it could just not be showing on your report at the moment due to the dbet being sold on or not being linked to your current details. Quite possible if they are calling at old addresses and don't have a current one. If the default was less than 6 years old, then if or when they make that "connection" it could re-appear again.
• Thank you all, certainly food for thought!
  Quote:
• Can I just repeat THEY ARE NOT bailiffs , they are debt collectors with no powers ! Also have you checked equifax ? and we need more precise details of this, if its 6 years or more since you last acknowledged this debt it could be statute barred , so please think real hard and dig out any credit agreements you may have in relation to this.
• Well, how long is it since you did either pay or write a letter acknowledging the debt?