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Hi everyone,
I wonder if anyone has had a similar experience and can put me in the right direction?
Received a letter on Wednesday from mackenzie hall saying that they are trying to contact the addressee of the letter (ME) if you are this person please contact us immediately. So I phoned them straight away and said that I was the person, went through security, they then informed me this was regarding a Cabot account and I owe £2656.08. I do owe Cabot money which is being paid monthly with the CCCS but the amount seemed wrong. Therefore I checked on my CCCs statements and not only was the amount incorrect so was the account number! They then told me that it was for Barclaycard which I have no recollection of having. They said the account was opened in 1996 and they wanted to know why I had made no payments since January?????
I informed them that all my Debts were handled by CCCS and the Cabot I owed money too was being paid reguarly! They said it was a seperate account and I needed to get the CCCS to contact them.
I called the CCCS and told them the story. They have subsequently sent me out a letter template to send to them...
However the letter doesnt seem to fit my problem. It reads like this
Dear Sir?Madam
You have contacted me regarding the above account.
The last payment was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under section 5 of the limitation Act 1980, then you will no longer be able to take any court action against me to recover the alleged amount claimed.
Any court claim will be defended on this basis.
In addition section 2.14 of the Office of Fair Trading Collection Guidance states that it is unfair to pursue such claims where, as here, the creditor has made no contact during the relevant limitation period.
If you have evidence that your claim is not statute barrred then please supply it to me within 21 days. If you are unable to provide such evidence please confirm no further action will be taken against me.
Yours faithfully
Its a good letter but I dont want to admit to owing the money when I have no recollection of it. Plus they say I was making payments up until January which would not fit with the statute barred! I as far as I know made no payments until January and the CCCs have no record of these payments either.
How can I get all the information from this company including a signed contract and statements? I need to know I owe this money, before i go any further, £2656.08 is a lot of money to forget you owe so I am certain I dont !
Please help!
Thank you!
I wonder if anyone has had a similar experience and can put me in the right direction?
Received a letter on Wednesday from mackenzie hall saying that they are trying to contact the addressee of the letter (ME) if you are this person please contact us immediately. So I phoned them straight away and said that I was the person, went through security, they then informed me this was regarding a Cabot account and I owe £2656.08. I do owe Cabot money which is being paid monthly with the CCCS but the amount seemed wrong. Therefore I checked on my CCCs statements and not only was the amount incorrect so was the account number! They then told me that it was for Barclaycard which I have no recollection of having. They said the account was opened in 1996 and they wanted to know why I had made no payments since January?????
I informed them that all my Debts were handled by CCCS and the Cabot I owed money too was being paid reguarly! They said it was a seperate account and I needed to get the CCCS to contact them.
I called the CCCS and told them the story. They have subsequently sent me out a letter template to send to them...
However the letter doesnt seem to fit my problem. It reads like this
Dear Sir?Madam
You have contacted me regarding the above account.
The last payment was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under section 5 of the limitation Act 1980, then you will no longer be able to take any court action against me to recover the alleged amount claimed.
Any court claim will be defended on this basis.
In addition section 2.14 of the Office of Fair Trading Collection Guidance states that it is unfair to pursue such claims where, as here, the creditor has made no contact during the relevant limitation period.
If you have evidence that your claim is not statute barrred then please supply it to me within 21 days. If you are unable to provide such evidence please confirm no further action will be taken against me.
Yours faithfully
Its a good letter but I dont want to admit to owing the money when I have no recollection of it. Plus they say I was making payments up until January which would not fit with the statute barred! I as far as I know made no payments until January and the CCCs have no record of these payments either.
How can I get all the information from this company including a signed contract and statements? I need to know I owe this money, before i go any further, £2656.08 is a lot of money to forget you owe so I am certain I dont !
Please help!
Thank you!
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