Hi, had a letter today from Mackenzie Hall Debt Recovery and trace consultants.

the letter does not tell me what the debt is about

phoned them just to check, and it would appear its a RBS Credit Card Account - year 1999

copy letter below

do you recognise the alledged debt?

i asked for the postal address of Equidabt Limited so can issue a S78 Request for a copy of the Credit Agreement

but they refused to give it to me.

Does any one have the correct postal address??

will now send Mackenzie Hall Debt Recovery a S10 DPA notice

Yes there was a credit card account, with Tesco Personal Finance which is underwritten by RBS going back year 1999 i think this debt is time barried now anyway.

Mackenzie say, they are acting on behalf of Equidebt Limited who purchased the account from RBS

never heard from Equidebt before

do you recognise the alledged debt?

EQUITY HOUSE.

ETTINGTON ROAD.

WELLESBOURNE.

WARWICKSHIRE.

CV35 9GA

FAX..01789472140

FREEPHONE...08003893710;)

SAM:pLOWELL DETESTER

UK as you probably know, although they can attempt to chase the debt (and some will try and enforce statute barred debts) once you tell them that you have no wish to pay towards a debt that is statute barred then they cannot continue to harrass you - letter 'M' recorded - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

Section 2.14 (b) OFT's guidance on debt collection

Justice Act 1970.

Thanks for that

You dont actually need to send your S78 request to Equidebt. You should be sending it to Muck Hall as they are chasing you for the money,

sent off S.78 request

Oooooh they have set a deadline for 12pm tomorrow .....scary (not)

The only deadlines you need adhere to are those set by law or a court - not the scary twits in Kilmarnock and elsewhere in debtscumland

I am setting my own deadline for you.

YOU WILL NOT CONTACT THEM BY NOON 11TH MARCH 300O9

did something alittle more creative

Sent S.10 DPA notice to Mackenzie Hall

Sent S.78 CCA Request to Equidebt Limited

Why

I am using the bases that i did not agree or concent to my details to get passed around to lots of companies.

try and hit Mackenzie Hall with a DPA breach

then make Equidebt Limited produce a Credit Agreement

i have managed to obtain some more info

Account Opened: 16 July 1999

Credit Card No: **************

Last Payment: 23/03/2005

Issuer: Tesco Personal Finance

now the shocking findings

No defualts registered with any CRAs

so if the Origional Lender was to close the account and sell it to a DCA

they would be required to issue a Default?? I think they do

but they have not done it in this case. furthermore now i have sent a CCA request and raising a dispute, they cant now go and register a default, doing so would put them in breach of dpa?

If Equidebt have sold the debt to Muck Hall then they can rightly refer you to Muck Hall whereas if you had CCAed Muck Hall and they hadnt the CCA then they would have had to pass it to Equidebt but the 12 days would still apply.

Hi Muck Hall are only working on behalf of Equidebt

Equidebt claim to be the legal owners

Muck Hall have now been taken off the case and now talking direct to Equidebt

Update - Victory

I wish every DCA would comply with the law.

The below company i can say that they have been well behaved

Emm

Thats the same letter

sorry refresh the page

Checked your credit record?

While in the early stages they where right bas*er*ds but after me sending them a nice letter, all telephone calls stopped and they investigated my complaint.

The outcome I am very pleased with.

With the experience I gained via this site, I beat them, without finding this site, I would truly be paying them money or even a CCJ.

I will be keeping this letter just in case its required in the future, but I hope it’s the end of this case.

Donation sent to CAG

They have not recorded any defaults with Experain, and i am not able to check with the others as i keep getting refused access.

Checked your credit record?

Update

Resolved

they have closed the account and written the alleged balance off