Mackenzie Hall

theteacher_2

For everyone who has a concern re communication from this vile company, here is what you do.....NOTHING!!!! if you contact them in any way, shape or form you effectively reset the statute status of the account whether it has ever been a rightful debt or not, they then can legally pursue you. so do absolutely NOTHING. They have been writing to me for months about a debt from T-Mobile, I have never owned a T-Mobile contract!!! they will use all and every tactic to bully you in to making the mistake of phoning them.. DO NOT FALL IN TO THIS TRAP!!! if you receive a letter, shred it and forget it, they will never get you to court nor will they carry out a door visit because they know they can't. besides, if they ever did show up I would demonstrate what 19 years of martial arts will do to a debt collector!

Hope this allays your fears and concerns guys and gals
:T

Shoe_Gal

I thought statute barred debts are statute barred whether you speak to a DCA or not?

I got a letter from CapQuest for an old debt, sent the statute barred letter and have heard nothing more

No need to be bullied -or for matial arts!

WRINKLES

a statute barred debt is unenforceable and is so forever

Shoe_Gal

Thanks, I thought so

immoral_angeluk

ust contacting a DCA will have no effect UNLESS you acknowledge the debt. That is, to admit it is yours or offer some kind of payment. Just a phone call will not stand up in court or 'reset' any debt's statute barred status. A debt will be statute barred 6 years from the date of default unless any payment or offer of payment is made, or the debt acknowledged in writing.

boltybabe

Hi
I have received a letter this morning from Mackenzie Hall. it came addressed in my maiden name saying i owe them £177.28 for a debt with G E Capital. I have lived at this address for 9 years and married for nearly 12 and have heard nothing regarding this debt before, i'm not even sure if this debt is real. It says they obtained this address using a financial link, linking it to my previous abode but i was married all the time at that address too. Is this debt statute barred? Do i respond to this letter?, if i do do i use my maiden name or my married one? Any help would be great.

DarkConvict

When writing to them, just put the line at the top, i do not acknowledge this debt. It prevents the SB clock restarting.

boltybabe

Do i send the statute barred letter? Where can i find it?
Do i use maiden name or married?
Thanks

nandj_2

Hi Boltybabe,
Use the name that was addressed to you on the letter, send them the statute barred template letter, send by recorded delivery and do not sign your name, only print.

---

Dear Sir/Madam

Account Reference No: xxxxxxxxxxxxx
BY RECORDED DELIVERY.

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I wish to point out that under the Limitation Act 1980 Section 5 “an action founded on contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

I should also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, you are no longer able to take any court action against me to recover the alleged amount claimed.

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

I await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

Yours faithfully

---

Regards
NandJ

dan77_2

I had a text from these people last week asking me to call on a matter of financial urgency. I know who they are so havent. I can't think what debt they may now own, but I am sure it will be one that is at least 6 years old. Until they actually ring me or write to me I will be doing nothing.

DarkConvict

nandj you need this in your letter - I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

example - http://forums.moneysavingexpert.com/showthread.html?p=11571227#post11571227