well RED = Lowel and i think MacKenze hall is them too so really it hasnt been passed to anyone other debt collection company its all silly little desks at the same office

look at the photos here on the mackenzie hall site u can see the diffrent desks but all the same company they are just all full of huff and puff

http://callcentreimages.mackenziehall.co.uk/#thumb

the ball is now in lowlifes court it is up to them to prove that you owe them money. When did you send them the letter? Did you get proof of postage for it?

i could hand it back and get an insolvency order would that be an option i want to get out of this

car is acutually woth just over the HP even at private sale prices i got a real bargin when i got the car. Issue is trying to get someome to buy the car when its on HP

Ok I got a car finance agreement with Blackhorse. I have been out of work for a year and been on half payments for 9 months i paid around £2k of the agreement or more amount is around £9k. I am on jobseekers allowance and i dont see a job coming for me in my area any time soon. I am thinking of going to Canada as a few friends of mine are have said they spoke to their boss over there and they would get me an interview. What sort of advise can u give me about this finance agreement. The car is keeping me here and I cant go elsewhere because of it. I need help I want a life at this stage can anyone offer me advise.

Have a read of this Housing Benefit : Directgov - Money, tax and benefits

 

it goes some way to explaining about HB,but your local council would be best people to contact.

thanks but i have looked at that and found it inconclusive. there should be an income limit for housing benefit listed somewhere

if it was 2004 then it might also be over 6 years so even if the debt was not yours it may be statue barred if it is they no longer have a legal right to collect this debt

I am 29 years old and have just finished university. The issue is I am looking for a job but have a part time job working 20 hours a week and get £650 per month for doing the job. I have tried to find out if I am eligible for housing benefit as I dont wish to go on the dole whist I can be earning my own money. I have called my local council but they wont tell me if I am eligible without going in to them. Does anyone know how much a person can earn in order to be eligible for housing benefit?

I have an issue with call credit. I signed up for their 12 pounds credit report for 3 months and was only able to access the report once. I tried to sign into their website near the end of the months but it said something about my account not been accessible and looked like my membership was no longer active. They then charged me another £12 last week I contacted them telling them that I tried to login to cancel my membership but was unable to get in to do so but they say I should have logged in before it was due for renewal. They have not provided any service anyone know how to get a refund?

as far a mbna are concered they are the devil incarnate. they have absoulty no morals and they seem to think they can get away with breaking the law. I was in a simluar situation to the second poster but i was going through a complaint with the ombudsman about them when they sold my debt to link. they got very badly repramanded for doing so by the ombudsman as the account was well and truly in dispute with ombudsman and mbna.

I would if I were you send a cca request to AIC as it might be the only way to get mbna to take the account back. that is what i did and it tured out and i knew well that i never singed a cca so mbna were goosed.

this is the letter you need to send them http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

hope this helps;) again print dont sign your name

they have now defaulted on your cca request they do have a legal obligation to provide you with the cca and nothing else matters. you can now legally withhold payment. I would send them the account it dispute letter now as they have failed to comply with a legal request.

well i think they dont have a chance at collecting this one personally the info will not appear on your UK credit file and as others have said it will have no bearing on your application for citizenship. Most of the trash dca's come up with is untrue I doubt they have any legal basis to take your South African passport away. DCA's are full of hot air and most of what they tell you is a lie. I have seen off Aktiv Kapital, Lowell, Red AKA Lowell again, Intrum Justitia and Global Debt Collectors all were saying they will do this that and the other and not one of them had any legal power or basis to do anything in the case of Aktiv and Lowell and Red they were for debts that were not even mine just someone with the same name born in the same year but different date of actual birth. Don't panic is the main thing I paniced at first and made a good few mistakes I know know better you have come to a good place for help.

whats the name of the debt collector who is after you?

They had 7 days to comply with your request, you should now be thinking of send them a 7 day letter before action, then starting a small claim to enforce your legal right to see your data.

 

An email to the head man would help too.

 

I have the email addy of the director responsible. I'll dig it for for you later

i noomill060 do you have that email address 4 days ago they said they would send another and yet they have not sent me a thing.

Does anyone have a template for a 7 days before action this thing is costing me every month now as its a dispute with a bank that says thee is adverse info on my experian file but i still have not seen my report i did see it before xmas and there was nothing there i need a hard copy to send to them and the clock is ticking

I ordered a copy of my statuary credit report on Feb 3 it has not shown up i called the contact number on their website 0844 481 8000 and all I get no matter what option i press is a recorded message. Any ideas?

well i have compained to AK and the ombudsman is calling them in the am so more crap coming AK's way:cool:

Have emailed the person in the ombudsman who was dealing with my complaint I think its still open so will see what happens now. Do I need to complain to AK again? The information commissioner's website says I need to first complain to the organization before complaining to them. What do I do? I am sick to my back teeth of these trolls

just though i would update you all the ombudsman ruled in my favor and Aktiv Kapital had to apologize and pay me £50 compensation

but i now seen on my experian report that they did a search a few days after they paid me the compensation do they ever give up even when they have been slapped by the ombudsman? any ideas what to do with them?

not yet

it was signed in the dealer and he said i had 14 days to cancel i do have a withness to this yes it is a hire purchase

i have sent a cancellation letter on Thursday by special delivery to both the finance company the garage wanted none of it but when my solisitor called them they have started to change their tune they know i am not messing they have also made a slight spelling mistake in my name and got my address slightly wrong so dont know whats going on

i didn't pay any deposit and the guy did tell me that i had 14 days to cancel. no credit agreement was given to me showing the terms and conditions so they are already in breach of the consumer credit act 1974

I went to a car dealer on Saturday and looked at a car. I then spoke to the finance manager who said he would check to see if I could get it on finance which he said I could. I then done the forms and that was that. He informed me i could cancel within 14 days if i so wished but never gave me a copy of the credit agreement. I then decided not to go with the car so on the Tuesday and sent them an email saying I did not want it. Today Thursday I got a call from the dealer asking me when I was coming to collect the car I informed them of my email they said they didn't get it. I then told them over the phone that I didn't want it and put me trough to the finance manager who then said I could not cancel when I then reminded him of what he had told me on Saturday. He said he would ring me back as he needed to do something. He didn't call me back I spoke to a solicitor who said I should be able to cancel within 5 working days as it was not signed at the finance companies office.

Can anyone offer any advice?

good luck pete asnd keep us updated i will sub to your post