Mackenzie Hall/Cabot Financial Final Demand - Next steps?

fermi

nessynoonoo wrote: »

...me again! Does the letter where i do not acknowledge the debt thingymebob go to Cabot Financial Europe or Mackenzie Hall?

To whoever is writing to you asking for the money.

stapeley

Send it to whoever you get letters from .

worrieddivorcee

I have always withheld my number. I have never admitted the debt nor spoken to them about paying the debt.
What do I do now, now that they've written to me under the correct name, and not my married name?
The letter from J2 Solutions is address to The Occupier, then it has my name within the letter. It says they're attempting to contact me about a personal matter and if I'm the person or know how that person can be contacted, they'd appreciate it if I would contact them in confidence on the number given upon receipt of the letter.
What should I do now?
Do I ignore it? I've read stories on here of J2 solutions sending people to neighbours houses etc, and I don't want that!!
Please help a very confused, anxious person.
Thank you

phil80

depending on how old the debt is either send the a statue barred letter or if the debt is lees than 6 years old send them a CCA request stating that you do not acknowledge any debt with their company this will usually see the DCA send a letter out offering upto a 50% reduction on the settlement figure as they know that they do not have the correct paperwork to legally enforce the debt most of the time.

Dont let them bully you or harrass you which they will try and do the y rely on peope not knowing their rights and just paying up as they ar eintimidated by their threats.

nessynoonoo

Hiya Worrieddivorcee - you have received the very same original letter i got from J2 addressed to "the occupier" but included my name in the body of the letter. The next day another letter arrived addressed in full to me - using my full name stating that they'd 'made enquiries' (a right load of Miss Marples, eh? :rolleyes: )and knew i was resident at that address. The next thing i got hit with 5 or so days later was the Final Demand letter from Mackenzie Hall - J2 are part of Mackenzie Hall, i believe. I expect you may get a similar letter soon. Stand firm chuck - we'll fight them together!
:beer:

I'm gonna prep my letter tonight, print it at work tomorrow then get it posted. Hopefully, i'll have an update by the middle of next week.

nessynoonoo

actually...just read the Mackenzie Hall letter again and its a "Final Notice" not a "Final Demand" - not sure what the difference is but doesn't sound quite as harsh as Final Demand...

phil80

All letters they send are threatning all sorts of action they will try all tactics they can they hope that people do not know their rights and will pay up without questioning.

worrieddivorcee

The debt is definitely greater than 6 years old - it happened before I met my current partner, and we've been together more than 7 years.
I've already had a letter from Mackenzie Hall and a final notice from them in my previous name, now the latest letter is J2 Solutions in my current name.
When I send statute barred letter, I need to send it in my previous name, yeah? - that's the name I had when the debt amounted all those years ago.
Will statute barred stop all the comms from them?
Does anyone have any idea where I can see a list of CCJ's I would have in my previous name, other than using experian or equifax, as I understand they leave an electronic footprint that i've done a search.
thanks v much

worrieddivorcee

I'm asking the above because when I read the fact sheet, it says you can only go with statute barred status if

• the creditor has not already obtained a judgment against you; obtained a judgment against you;

many many thanks

GeorgeUK

The registry trust will hold all the CCJ info, but you will probably need to pay to see that. I would send the statute barred letter and leave it up to them to come back with details of any CCJ - if one exists.