Mackenzie have responded!! - Bad News?

Willow_K

Sounds to me like your letter has done the trick.

Their letter says:

We shall be requesting documentation from our clients which we believe will prove your liability in this matter beyond any reasonable doubt.

Which I'm guessing means they are contacting Lloyds to find out when you last made a payment. If you are correct and it was in fact more than six years ago, they will have to conceded that the debt is statute barred.

If they come back and say you made a payment less than 6 years ago but you think they are lying, you may need to send the SAR to Lloyds to get copies of your statements yourself.

needuradvice

thanks willowk. By clients, they mean 1st Credit, not lloyds.

RobertoMoir

In any case what you do at this point is continue to ignore them until the debt is statute barred.

needuradvice

is there a time-limit in which they are supposed to respond? I'm hoping that it'll be sooner, rather than later.

never-in-doubt

No actually, you're hoping it is never - not sooner! As advised now you need to simply ignore them - you only have a few months to go so don't go sorting out a payment schedule or that'd be daft!

Just chill out and go with the flow, they won't find what you're after - lol, obviously!

The account is unenforceable until they do respond, no time limit either!

DarkConvict

You just need to wait it out, even if they respond with the last payment was on XX/XX/XXXX, then you can still SAR Lloyds yourself for a statement confirming last payment.

We shall be requesting documentation from our clients which we believe will prove your liability in this matter beyond any reasonable doubt.

That to me still sounds like they were going on the credit file default date, otherwise they wouldn't need to speak to Lloyds.

never-in-doubt

This is getting too technical for the OP now lol. All he needs to do is send the SB letter and then ignore them.

None of this messing about sending letters to and fro, similarly, if he is wrong in his SB dates then what can we do? I really think the advice that should have been given here was 1. Get your credit file. 2. Confirm last payment date. 3. Send SB letter or wait until the limitation period in June whatever - whoever started being all serious may have put things back a few steps here.

Everyone needs to calm down - the OP is firing off letters that do not need to be fired off! Anyway, just saying there is a much easier process that would have taken 3 posts to sort - not 3 pages of posts!:rotfl::rotfl:

DarkConvict

He did send the SB letter off, but they came back and said it was not statute barred, the next step is as you say to get confirmation yourself.

DVardysShadow

needuradvice wrote: »

hi guys,

FINAL RESPONSE

Further to your letter, dated 22/02/2010 the contents of which we have noted.

I can confirm the Mackenzie Hall has fully completed our internal investigation and I am in a position to further clarify the following:

I feel it prudent at this stage to confirm that your account defaulted on the 01/06/2004. This is not the date that a default was placed on your credit file but the actual date where your agreement defaulted. As a result we believe this information to be correct and not misleading in any way shape or form.

We shall be requesting documentation from our clients which we believe will prove your liability in this matter beyond any reasonable doubt.

Your account remains on hold until we are in receipt of said information.

Is it the end of the road for me??? What shall i do now?

End of the road? What have people been saying here?

The 6 years for a debt to become defaulted is from the date of last payment or acknowledgment of the debt.

So Mackenzie Hall are being exceedingly misleading. The account does not go into default on the date of last payment. If this is the best they can come up with, then they are the ones at the end of the road. Don't be bullied by stern words backing up a feeble position.

Britwife

Ummm, how can it be a final response if they still have to wait for documentation to prove the dates? How could they complete an investigation without the documentation of the dates which has been the most important thing in your letters?

We received a letter from them with no information on it at all and are ignoring it....thanks to your post.