Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I have just received a threatogram from Muck Hall with regards to a very old HFC debt. I am fairly convinced that this debt is staute barred but need to know how to find out if it is.
How do I go about finding this out? I am currrently unemployed and do not receive any benefit so I dont really want to be paying for SAR's
Why not just send them the statute barred letter and it is then up to Mucky to prove otherwise. Unless Mucky have proof that it is not SB'd, per OFT rules, they have to stop contacting you. This way Mucky provide the relevant info at their cost and not yours. If they come back with details of payment within 6 years, then you would submit a CCA request.
I would do this and just get proof of sending the letter from the post office. I would not bother sending recorded or sending them a CCA or SAR request.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
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As an aside, Experian works OK, Equifax wanted a copy of my passport and an additional £1.60 to post it (nice chap from the Philippines call centre) and CallCredit on-line reject my Visa debit card. I am pursuing paper requests but just thought you might be interested.
I have got rid of Mackenzie Hall twice when they have been sending threat-o-grams regarding statute barred debts. I just emailed them as i didn't think they were worth a stamp and got this as a reply. Easy and i have heard no more from them or anyone for that matter.
Please be advised that this file has now been closed and returned to our client for their further consideration. Mackenzie Hall shall act no further in this matter.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
Please consider making a small donation to help keep this site running
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
Please consider making a small donation to help keep this site running
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
Please consider making a small donation to help keep this site running
Muck Hall threats on old HFC debt
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