Boyfriend just had to pay >£1000 - help!!

stapeley

I ,m sorry but its not the CC companies fault ,how can you ask them to pay it back ? Unfortunately a debt remains a debt even if its 7 years old , its just not legally enforceable . If you are asked to pay it and do so , thats up to you. I do hope you kept all the letters and recorded any phone calls , without those , I doubt any action can be taken . Sorry to be blunt ,but you will just have to move on . Use some of the advice on the site to save money other ways . This may be a blessing , hopefully you will never get in this postion again . I do wish you the best !

emma_lewis84

I know it's not the CC companies fault...it's BF fault ultimatley...
I also know we're never going to see the money again. They only sent one letter, we still have it. Not recorded phone calls - who could/would??

hooby_groovy

Get your boyfriend to write to McKenzie Hall (send recorded mail) and ask them to give you a complete breakdown of:

1. The original debt's status, date and amount
2. Any charges that have been applied
3. The date the debt was passed to them
4. Whether they are acting for the bank or if it has been sold to them.

If they respond, then launch a formal complaint with the Office of Fair Trading citing times they called and a full description of how the conversation went (I would write a detailed transcript now). If they don't respond do the same citing their unwillingness to cooperate.

Explain to the OFT that you feel McKenzie's coerced your boyfriend in to payment with unnecessary threats and intimidation and that you would like a review of a) the case and b) their credit licence.

Ask the OFT for judgement that you are happy to repay the original debt but that you feel that in light of their unfairness in collection you feel that you should not be liable for the excessive charges and that you ask for them to be refunded.

Its a long-shot but better than nothing, and I certainly wouldn't let McKenzie's get away with such sharp practices without a fight.

saffronflowers

As above - he paid the sum under duress and harresment and has not even seen if he is liable for the monies.

SFx

Aesop

have a look at this link, it may help http://forums.moneysavingexpert.com/showthread.html?t=746583

fermi

aureol212 wrote: »

have a look at this link, it may help http://forums.moneysavingexpert.com/showthread.html?t=746583

That's about getting a second (and hence incorrect) default removed from the credit records. Unless MH or the CC company have issued an unjustified 2nd default or improperly processed personal data in some other way, then there is not much the Information Commisioner can do. Their powers are limited to data protection issues.

emma_lewis84

BAILIFFCHASER wrote: »

Trust me on this do a charge citing frauddulant activity and also deny ever giving m hall your credit card details. Deny this with the cc company. When chargeback is successfull. Mhall will write to you and you can send them a statue barred letter. As this is a financial transaction which has been recalled they cant report it to the police etc. trust me on this one.

thanks for replying, feel silly for asking but what do you mean 'do a charge citing fradulent activity'?

We are just so scared about the house getting repossessed them sending bailiffs etc - I know ppl have said they are just trying to scare us - but it works!! We are scared and thats why we paid :eek:

rayday2

I think he wants you to lie to the credit card company make out you know nothing about the payment, better hope they didn't record it in that case and very dodgy advice.

emma_lewis84

thank you rayday2, I'm not sure I'd feel comfortable doing that...
what a mess

rayday2

I would stick with him speaking to his card company seeing if they will cancel it anyway but with honesty rather than risking anything.