I had Moorcroft writing and calling regarding a credit card alleged debt with Natwest. I sent the three letters, getting a reply after the second which was just empty words dressed as legal jargon, I sent the third letter at the usual time and their reply was that they were handing the debt back to Natwest and they would not contact me again. I then sent the estoppel. The sum was £1541.68.
I now have Wescot chasing the same debt and today I sent the third letter to them with the updated template.
Last week I received a letter about another credit card from Moorcroft. It was a template letter of their own! I duly refered them back to the estoppel and sent them an invoice for £12000. I will pursue the debt they owe me vigorously. I aim to be a pain in the ass to them as they are to so many other people. Thanks to 'Get out of debt free' I am taking back control of my life. I will be copyrighting my name this week so that any further debt collectors can get a really big invoice from me. I reckon I could make a good living like this! Still, I suppose I'll have to fight hard to get them to pay up. It's a pity I don't have more debt because this is becoming fun!
Are you living in fear of Banks and Debt Collectors letters and phone calls? Do you worry about Bailiffs visiting your home? 

