Old Debt? Mackenzie Hall

RAS

Hi

There field collectors have the same rights as the paperboy aND YOU CAN ACTUALLY WRITE AND REMOVE THOSE RIGHTS FROM THEM.

If they were ever to turn up.

How long since you last paid this debt?

Rambo-Rob

Hi
RAS
Thanks for the reply as I stated this was around 94/95 and i have no reference of this debt , should i just continue to i ignore this letter or should i send them the limitation letter/email and how do i remove those rights from them? do you have a template letter?

rog2

Rambo-Rob wrote: »

Hi
RAS
Thanks for the reply as I stated this was around 94/95 and i have no reference of this debt , should i just continue to i ignore this letter or should i send them the limitation letter/email and how do i remove those rights from them? do you have a template letter?

Send them the template letter that you will find on the following National Debtline link:

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

Post it (do not email ) using a 'signed for' service. Do not use your normal signature and preface the letter with the following sentence:

"I do not acknowledge any debt to your Company, or to any organisation that you claim to represent."

Under no circumstances should you phone them - they are evil.

For an overview of your rights when dealing with the likes of MacKenzie Hall - in particular with their 'threats' of home visits, have a look at the OFT Debt Collection Guidelines, to which MH are supposed to, but rarely do, adhere:

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Good luck.

Rambo-Rob

sent this letter as advised, but got this this morning 13/03/09
FINAL OFFER IMMEDIATE ACTION REQUIRED Deadline For Further Action: 7 Days


As a gesture of goodwill, our client will accept £1591.47 as a full and final payment for the above debt
providing payment is received in our office by 20th March 2009.

Please note that this is a Time Barred Offer.
If payment is not received by the above date then the settlement figure will be revoked and no such offer will be made again

If however you cannot extend toward this generous offer, we fully expect you to honour the outstanding balance by means of monthly repayments. Please complete the Standing Order Mandate to allow us to cease any further action. If you cannot set-up a standing order please cell us on 01563 556040 to arrange an alternative method of repayment

any advice on what to do next ,, or should i just ignore

RAS

Hi

Given that you do not even recall this debt -
so it may not even be yours,
that if it has not been paid in the last 6 years so is statute barred unless there is a CCJ
and that even if there is a CCJ, if that has not been enforced in the last 6 years,
they can not take legal action successfully.

Any idea what this debt was about origianlly?

Rambo-Rob

RAS wrote: »

Hi

Given that you do not even recall this debt -
so it may not even be yours,
that if it has not been paid in the last 6 years so is statute barred unless there is a CCJ
and that even if there is a CCJ, if that has not been enforced in the last 6 years,
they can not take legal action successfully.

Any idea what this debt was about origianlly?

As i said i have no idea

RAS

In that case, start with a formal complaint to the OFT, trading Standards and the FO.

The OFT have recently given 1st credit a right rollocking for doing similiar things. Will post the link, so you get and idea.

Contact below.

Office of Fair Trading, Contact page: http://www.oft.gov.uk/contactus

The Information Commissioners Office, Complaints page: http://www.ico.gov.uk/complaints.aspx
(note: I chose to complete and download the .pdf form on Data Protection, which I am also sending to the other offices, with an accompanying letter)

Trading Standards, Central office homepage: http://www.tradingstandards.gov.uk/
-Please note, you can search by inserting the postcode in the top right hand corner, remember to use the postcode of the DCA rather than your own-

Consumer Credit Association, enquiries page: http://www.ccauk.org/consenquiries.htm

the Financial Ombudsman Service, Contacts page: http://www.financial-ombudsman.org/contact/index.html

Members of parliament list, (as provided by RAS): http://www.parliament.uk/directories/hciolists/clomps.cfm

RAS

Worth reading this.

http://forums.moneysavingexpert.com/showthread.html?t=1522177

rog2

Rambo-Rob wrote: »

As a gesture of goodwill, our client will accept £1591.47 as a full and final payment for the above debt
providing payment is received in our office by 20th March 2009.

Please note that this is a Time Barred Offer.

Since you have already sent off the 'Statute Barred' letter and MH have failed to prove that the alleged debt is not Statute Barred, then I would be inclined to ignore the letter.
You can, if you wish, already report them to Trading Standards as they are, now, acting in total disregard of the OFT guidelines, which clearly state that they should cease all attempts to pursue a 'debt' once the debtor has informed them that the 'debt' is statute barred and, therefore, will make no further payments.
Unless MH can give you absolute proof that the 'debt' is not Statute Barred, then there is no further action that they can take.

Rambo-Rob

hi
Ras
sent you a PM