mackenzie hall

[Curlyben]

Re: mackenzie hall

DCA's in general are only interested in ONE thing.
I had Thames Credit tell me they could demand payment on a statute barred debt for 20 years !!!

I soon put them right and they dropped me double quick.

[dawn261169]

Re: mackenzie hall

Hi in reply to your reply
1st credit don't mention anything its just the same type of letter as mackenzie.I haven't contacted them just googled and found out its a debt company with a lot of bad press.I am not going to contact as i am not bothered receiveing the mail.As i have nothing on my experian check it is doubtful anyone used my details for fraud.
Kindest

[Curlyben]

Re: mackenzie hall

Hold fire and wait and see if they can be bothered to write to you again.
After all if they can't be bothered to tell you what they want, why open a dialogue with them.

As you say there's nowt on you CRA files, so it's unlikely to be anything important.

[dawn261169]

Re: mackenzie hall

ha ha ha ha ha i had another letter today from 1st credit offering a special settlement today figure of £30.00 !!!!!! aparently it's an old Abbey account so maybe i was 1p overdrawn when i left and the rest is charges???????
What a joke-why even bother??
Filed in the bin with the rest
Just thought this would make you smile

[Caspar]

Re: mackenzie hall

ha ha ha ha ha i had another letter today from 1st credit offering a special settlement today figure of £30.00 !!!!!! aparently it's an old Abbey account so maybe i was 1p overdrawn when i left and the rest is charges???????
What a joke-why even bother??
Filed in the bin with the rest
Just thought this would make you smile

And presumably Statute Barred?

[femmym]

Re: mackenzie hall

i recieved a letter off Mucky Hall on thursday asking me what i can/cannot afford to payback my credit card what i have coming in each month and going out saying i need to provide this information within five working days im not going to give them any information regarding this as the have no right as i have no proof only a letter saying that i owe this sum which to my reckoning is close on 6 years if not longer , so what advice im asking for is im thinking about sending them the prove it letter also should i send the stat barred letter in the envolope aswell and should i send the recorded delivery .
femmym

[Celestine]

Re: mackenzie hall

Is the first letter received?

Ignore it and see what they do next, sounds like a fishing exercise. Don't encourage them and responding to anything so close to the statute barred limit is not advisable.

Keep us posted on progress.

[femmym]

Re: mackenzie hall

Is the first letter received?

Ignore it and see what they do next, sounds like a fishing exercise. Don't encourage them and responding to anything so close to the statute barred limit is not advisable.

Keep us posted on progress.

yes its the first letter apart from the one i had from them saying can you contact us urgently if you count that its the second letter ? has anyone else had one of these letters and if so what happens after this if you ignore it do the threaten to send someone to your property ?

[teaboy2]

Re: mackenzie hall

Yes they do Femmym, but no one ever turns up in 99.999% of cases, so just keep ignoring the letters and if someone does turn up, tell them - "only the postman and person(s) asking for directions may visit my property without prior appointment under common law, as i have not made such an appointment for you to visit my property then i advise you that no license under common law was granted for you to visit my property - as such you are now committing a tort of trespass under common law and are to leave my proptery immediately or i shall call the police and have you charged for tort of trespass". They will soon foxtrot oscar after that.

End of the day they have no legal powers whatsoever to make you pay anything, only a court can do that, but as the debt is likely to be unenforcable or statuted barred then even the courts can not enforce the debt.

[CleverClogs]

Re: mackenzie hall

Yes they do Femmym, but no one ever turns up in 99.999% of cases, so just keep ignoring the letters and if someone does turn up, tell them - "only the postman and person(s) asking for directions may visit my property without prior appointment under common law, as i have not made such an appointment for you to visit my property then i advise you that no license under common law was granted for you to visit my property - as such you are now committing a tort of trespass under common law and are to leave my proptery immediately or i shall call the police and have you charged for tort of trespass". They will soon foxtrot oscar after that.

How do you know that Oscar wants to foxtrot - or even knows the steps?

End of the day they have no legal powers whatsoever to make you pay anything, only a court can do that, but as the debt is likely to be unenforcable or statuted barred then even the courts can not enforce the debt.

Yes - but I believe that one must tell the court that an alleged debt is statute barred or the claimant may obtain judgement in their favour by default.

Mucky Hall do not usually even try to take people to court.

[teaboy2]

Re: mackenzie hall

How do you know that Oscar wants to foxtrot - or even knows the steps?


Yes - but I believe that one must tell the court that an alleged debt is statute barred or the claimant may obtain judgement in their favour by default.

Mucky Hall do not usually even try to take people to court. Well yeah but you know what i mean lol

Well thats the fun part - Doorstep collectors can not dance let alone do the foxtrot, so its always fun tell them to do so just to watch them fall flat on there faces, prefereably on to that well placed dog turd lol.

[femmym]

Re: mackenzie hall

could someone please point me in the direction on here were i can find the Prove it letter to send to Mucky Hall please as i cant find thankyou .
femmym

[Curlyben]

Re: mackenzie hall

Save the postage, there's nowt to say to these "people"

[teaboy2]

Re: mackenzie hall

Here you go, this is the one i use.

Name/Address:

Date:

Dear Sir/Madam

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

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

I/we look forward to your reply.

Yours faithfully

Print your name DO NOT Signe by hand

Though to be honest i would simply ignore them.

[CleverClogs]

Re: mackenzie hall

I doubt that I'd put more than a 1p stamp on the envelope - let them pay!