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Resolving an old debt with McKenzie Hall

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Comments

  • pagandisco
    pagandisco Posts: 15 Forumite
    I guess a proper letter does have more gravitas than an email
  • pagandisco
    pagandisco Posts: 15 Forumite
    Just thought I'd bump this up as I have a bit of news and need a little more advice..
    I sent M-Hall the standard Consumer Credit Act 1974 sections 77-79 letter giving them 12 working days to produce the paperwork and they haven't responded after 14 working days. The letter was sent recorded delivery
    Before that I was in email contact with one of their staff members.
    Question is, what to do now? shall I send them a follow up letter or just leave it as they have failed to comply with the request for a copy of the agreement and statement of account under and so they are unable to force an agreement.

    I also read the OFT guidelines and they have committed (at least) 3 breaches of the guidelines in handling my case...
    Any thoughts gratefully received
    Thanks!
  • Tixy
    Tixy Posts: 31,455 Forumite
    Is this the debt with a CCJ that you have done a CCA request for?

    If they are collecting a debt with a CCJ then it in enforceable because the court has ordered that it is.
    Them not supplying a CCA for this debt at this point won't make in unenforceable because there is already a CCJ.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • pagandisco
    pagandisco Posts: 15 Forumite
    Actually I looked into the CCJ and it was for another debt from my wasted youth, so M-Hall do not have a CCJ on this debt.
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