Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder woody1066 Novitiate woody1066 Novitiate woody1066's Avatar

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    Default Muck Hall threats on old HFC debt

    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 SARicon's


  2. #2
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    Default Re: Muck Hall threats

    Why not just send them the statute barredicon 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 Requesticon.

    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 SARicon request.


  3. #3
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    Default Re: Muck Hall threats

    or check you credit ref file
    checkmyfile site

    dx

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  4. #4
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    Default Re: Muck Hall threats

    Hi dx

    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.

    x

    v


  5. #5
    Basic Account Holder woody1066 Novitiate woody1066 Novitiate woody1066's Avatar

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    Default Re: Muck Hall threats

    I have checked my credit file and it doesnt show on there at all. statute barredicon letter on its way. Will keep you informed of any developments


  6. #6
    Basic Account Holder theratboy Novitiate theratboy's Avatar

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    Default Re: Muck Hall threats on old HFC debt

    I have got rid of Mackenzie Hall twice when they have been sending threat-o-grams regarding statute barredicon 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. #7
    Basic Account Holder woody1066 Novitiate woody1066 Novitiate woody1066's Avatar

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    Default Re: Muck Hall threats on old HFC debt

    They have written back stating that it is not statute barredicon but give no further details. What is the next step?


  8. #8
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    Default Re: Muck Hall threats on old HFC debt

    Hi woody

    Always answer a question with a question in a double negative.

    I should be grateful if you would provide in writing why you would believe that which I believe to be true is not in fact true.

    x

    v

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  9. #9
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    Default Re: Muck Hall threats on old HFC debt

    its for them to prove its not sb'ed
    not for you to prove it IS

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges 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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  10. #10
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    Default Re: Muck Hall threats on old HFC debt

    Quite dx

    I was probably being overly polite.

    x

    v


  11. #11
    Basic Account Holder woody1066 Novitiate woody1066 Novitiate woody1066's Avatar

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    Default Re: Muck Hall threats on old HFC debt

    So what do i do?


  12. #12
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    Default Re: Muck Hall threats on old HFC debt

    nothing

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges 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.


    DX
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  13. #13
    Basic Account Holder woody1066 Novitiate woody1066 Novitiate woody1066's Avatar

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    Default Re: Muck Hall threats on old HFC debt

    Consider it done


  14. #14
    Basic Account Holder woody1066 Novitiate woody1066 Novitiate woody1066's Avatar

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    Default Re: Muck Hall threats on old HFC debt

    They have left messages on my answerphone ordering me to contact them


  15. #15
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    Default Re: Muck Hall threats on old HFC debt

    ordering?

    they've got no powers to even order a takeaway
    let alone make a member of the public cough up

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges 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.


    DX
    RIP Martin3030
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