Mackenzie Hall Issue / Advice Needed

Trigger2007

Wow, okay thanks for the advice.

I've gotta say this site is great, really friendly advice thats quick.

I will let you know how I get on!

Enjoy the bank holiday everyone.

RAS

yep

A couple of our on-line debt advisors (the pros) reported.

1. A CCA returned with the signature of the person who signed the letter, this being the debt advisor not the debtor.
2. A CCA returned with the amount of the debt altered massively.

We do not knwo which DCAs were so obliging, so we reckon it pays to be careful.

fermi

If I remember correctly you can add:

3. Agreement returned showing the current address of the debtor as the one where the credit was taken out. Where in fact the real agreement had been actually taken out at a completely different address long in the past.

shuttyian

quick question,

i cca'd mackenzie hall and today is day 14. during this time they wrote back to me returning my postal order, saying no further action would be taken, and they said that if the infomation was not made available they would return the file to the OC after 28 days.

I know there is a further 30 days when they can produce this information , but it there anything i can do to stop this being back heeled to another dca, then another and another and another etc.

Realistically, they could refer to another dca, with a cca request going to the new dca, with no info being produced, therefore the 12+2+30 day thing is irrelevant, as this could keep going on and on.

any suggestions?

Trigger2007

I just wanted to add that, whilst the credit card company issued the default on my account not MH, I looked at the search history, and last month MH did a search for 'outstanding debt', is this normal?

Also the debt that I cleared last year, was defaulted 6 years at the end of May, will this automatically be removed or do I need to do anything? The heading only lists one default account against me, which I'm assuming is the one that I cleared? The new defaulted accounted is at my old address, and this is not showing as current? Am I correct on this? Hope I have explained it okay : )

stapeley

shuttyian wrote: »

quick question,

i cca'd mackenzie hall and today is day 14. during this time they wrote back to me returning my postal order, saying no further action would be taken, and they said that if the infomation was not made available they would return the file to the OC after 28 days.

I know there is a further 30 days when they can produce this information , but it there anything i can do to stop this being back heeled to another dca, then another and another and another etc.

Realistically, they could refer to another dca, with a cca request going to the new dca, with no info being produced, therefore the 12+2+30 day thing is irrelevant, as this could keep going on and on.

any suggestions?

Yes it can ,but if the first don,t supply a CCA then its very doubtful anyone else will . You can send the default notice letter after the limits up and complain to OFT . See what they say , but wait till times up .

lowellcrooks

stapeley wrote: »

Yes it can ,but if the first don,t supply a CCA then its very doubtful anyone else will . You can send the default notice letter after the limits up and complain to OFT . See what they say , but wait till times up .

NO, according to FSA rules disputed debts should NOT be passed on to third parties.

fermi

lowellcrooks wrote: »

NO, according to FSA rules disputed debts should NOT be passed on to third parties.

The OFT have "guidelines". Where are the FSA Rules? I've never seen those.