Mackenzie Hall

[Chris George]

Hello All, what a wonderfull website !! I seem to be having the same problem as quite a few others on here ....

About a year ago Cabot Financial started sending me snotty letters about a credit card supposedly in my name at an address that I left some 10 years ago for the sum of £500 saying they where ready to remove goods etc ....i got quite scared by this and asked my solicitor for help as i have never had a Citi Bank Credit Card and in 1997 when the debt was made I was actually in Ibiza all year ! as described in the letter, anyway my solicitor asked them to prove when the account was opened and also aked to see a copy of the appliaction form to see the signature..to date nothing not a word .............

Until today !!!!! I have been passed onto the amazingly arrogant Mackenzie Hall who are now saying they are looking for an attachment to my earnings, Seizeing goods etc etc.

Now I am quite good with financial stuff and always pay my bills and have NEVER HAD a Citi Bank Card i have banked with HSBC for the past 22 years and only have there cards so I really am confident that this debt isn`t mine...but it ain`t going away .....

HELP PLEASE ...................

[mrsfoot]

HI and welcome

Write and ask Mackenzie Hall to send you the agreement etc using Data Protection Act Subject Access Request in templates. They have 40 days to comply and when you recieve these you will have the evidence you need to proves its not your account.

Also go have a chat with CAB, they are very good with sorting this type of thing out

Good luck

[Chris George]

Thank You Mrs Foot !!! really apprecaite the help

[Hippy-chick]

...

[weena13]

around about may/june 2007 i received a letter from a debt recovery firm (not the aboved mentioned) regarding a debt from just over 6 yrs ago when i contacted them they advised me that they where actually going to court with it in 3 days time and that they would be arresting all my income (which may i add is nothing as i am a single mum on income support) the lady wasnt helpfull at all and said i had to pay the debt (£7000) i later called for some legal advice where a lovely lady told me about statue barred and sent me a letter that i could forward to them. I sent the letter recorded delivery and the letter also stated to them that if they had documentation of the debt to forward it on and that they had 12 days to do so, i heard nothing back but had a missed call and a message left saying that the statue barr wasnt the case, i sent them the latter again and in the meantime received a letter from them saying that they would accept £3000 i didnt reply, anyway since then i have heard nothing from them,....that is until this week (almost 6 months later) i received a circular from the dreaded MCKENZIE HALL saying i had to contact them regarding a ref number i hadnt heard of before, i called them and the man asked for my name and d.o.b and asked if id lived at a previous address ( i lied and said no) as i agree that this bedt is now statue barred the man said they have the wrong person then and hung up on me,....should i be worried am i now going to be bombarded with letters regarding a debt from so long ago and that another company had given up on 6 months ago,......any advice would be greately appreciated (should i now ignore them)

[mrsfoot]

Hi weena

You need to send them a CCA request along with a £1.00 postal order. You will find the templates for this letter in the library (or by following the "cant find what your looking for" sticky in the welcome forum).

Do not sign the letter as you are asking them to send you details of the debt including the original agreement for whatever the debt was.

Read and understand what you are doing. It is really important that you know what you are doing. also add into the letter you will not correspond with them via the telephone (you are within your right to do this).

Download a copy of the "Guidelines for debt collection" from the OFT site. You will find they are supposed to follow these and you are within your rights to make a complaint to OFT and trading standards if they contravene any of the guidelines.

In a number of cases where I have helped friends with their debts with the beloved M Hall and all have been dropped as they cannot provide the orignal agreement or the debt falls under statute barred.

Keep a copy of everything you send and receive. Send all letters via recorded delivery so you can track their arrival in case they try to say they have not received anything.

Good luck. Start a thread of your own and keep us updated.

Mrsfoot