MacKenzie Hall/Hitachi Nova

ourfamily · 20 November 2008 at 8:30PM

hi , just wondering if anyone can offer us any help? We recieved a letter today stating a ref:number, then persuers:Cabot financial Ltd, then Original Creditor:Hitachi Nova Then a sum of £4398. Then the letter says important- do not ignore, and goes on to say mckenzie hall have been instructed by their client Cabot finance to recover this overdue account on their behalf. Giving us a payment deadline of noon on the 21st November 2008!! ( tomorrow)

What do we do? our credit file is totally clear as we do regular checks on it, we did have some outstanding debt from 2000/2001 when my DH was divorced from his previous wife, but have not heard anything about this since around 2002 aprox?

Please help as we are seriously worried and dont know where to turn with this.

insider66 · 20 November 2008 at 8:49PM

this is generally store finance from this company.

was the letter address to you?

any idea what it might be for?

sorry, typical bloke

good evening, and welcome...

stapeley · 20 November 2008 at 8:49PM

Firstly DO NOT RING THEM .

insider66 · 20 November 2008 at 8:50PM

good point stapeley, thank you

ourfamily · 20 November 2008 at 8:52PM

ok we wont ring them , ive just read a few things about them on here! Yes the letter was addressed to us with our adress, the only thing i can think of that we took out many years ago was a debt for the sum of £1,100 in 2001.That was from a store on a buy now pay in 12 months thing.

stapeley · 20 November 2008 at 8:53PM

This debt is more than likely to be statue barred . So at this stage just write back using their referance number , do not confirm anything . State that you do not acknowledge and debt to their company . Do not even put you name . Suggest they contact their clients to check they have correct details . If they do come back with details , then hit them with the statue barred letter .

insider66 · 20 November 2008 at 8:57PM

stapeley wrote: »

This debt is more than likely to be statue barred . So at this stage just write back using their referance number , do not confirm anything . State that you do not acknowledge and debt to their company . Do not even put you name . Suggest they contact their clients to check they have correct details . If they do come back with details , then hit them with the statue barred letter .

link to a good statute barred letter....

http://www.debtquestions.co.uk/debt_forum/viewtopic.php?t=19030

hope this helps

ourfamily · 20 November 2008 at 9:01PM

thanks very much, am writing a letter now as we speak but am on my 2nd copy as had put my name and address at the top!!:rolleyes: Does anyone know if they can legally make a debt go from £1,100 to £4398? Would it still be recoverable even though it does not show up on our credit file?
sorry for all the questions but we feel out of our depth with all this!

insider66 · 20 November 2008 at 9:04PM

I guess you need a bit more info....

statute barred relates to all debts that are over 6 years old (unsecured debts) - if they have not contacted you within this period then it is "statute barred"

it means that you are not legally liable to pay it, nor can they chase you for it....

will get you a link asap for more info

insider66 · 20 November 2008 at 9:07PM

this is as good as any...

http://www.debtquestions.co.uk/debt_forum/viewtopic.php?t=19030

good luck folks

ourfamily · 20 November 2008 at 9:16PM

thanks !! all seems a little bit clearer now, will see what happens when ive sent this first letter to them. Should i put our address on the 1st (i do not acknowledge any debt to your company) letter? or would this be taken as an admission of the debt?

MacKenzie Hall/Hitachi Nova

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