Marbles cc

debrag

So halifax have passed my debt onto mackenzie hall even though they are part of my DRO which ended July 2010! It's for £1000 more than when I had the DRO and I have a letter from Halifax stating the debt has been satisfied with the credit agencies.

Should I just forward a copy to mackenzie hall?

fermi

If you feel the need, send a copy with something like this.


NOTICE: Pursuit of a debt included in a Debt Relief Order. Do not ignore this letter. You must cease collection activity IMMEDIATELY.

Dear Sir/Madam

Account No: ******

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

I would point out that the account was included in my Debt Relief Order which commenced on <date> and finished on <date>.

Consequently, the debt in question is no longer my legal responsibility.

ALL contact regarding the debt MUST be addressed to the Official Receiver's Office dealing with the case.

The address of the Official Receiver is below.
<Address of the OR.>

A copy of the DRO is enclosed for your convenience.

Please note that the Official Receiver has requested that all future contact from your company regarding these accounts is reported and forwarded to themselves, and that continued contact with myself may result in Official Receiver taking enforcement actions against your organisation.

Please also note that we are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when the debt is not due, or included in a Debt Relief Order.

A formal complaint will be submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

We await your written confirmation that this matter is now closed.

We look forward to your reply.

Yours faithfully

immoral_angeluk

This isn't a new debt is it? If the balance is drastically different could it be a new one that has resurfaced? If so, it doesn't take you over the 15k limit does it?