I would still SAR them just to be on the safe side. Better to be safe than sorry

Hi JF4L, If your parents paid off the balance in full then how can you still have £100 outstanding? I would SAR T-Mobile like BankFodder says and see why the money is owed if at all. Good Luck

hahahahahaha love it

Yeah why should it be 1 rule for them and 1 rule for us

Mr. Ton, this could be one of the best ideas ever. They can do it to us so why cant we do it to them??? we could even arrange our own door step collection people if they dont pay within OUR timescales

Well looks like Mackenzie Hall have finally agreed with me. With them all going quiet on me I thought 'sod it' I am going to use there live chat to see what outcome they can give me. I gave tham all the details they already knew but had my mobile number down as 07777777777777 (apologies for anybody owning this number) Ok this is how it went: Please wait for a site operator to respond. You are now chatting with 'Graeme' Graeme: Hi there you are through to Graeme at Mackenzie Hall how may i assist you ? Me: Hi I would like you to confirm that my account is now closed Graeme: Bare with me one moment. Me: ok Graeme: I can confirm that your account has indeed been closed. Me: Can you tell me on what grounds why the account has been closed and am i going to recieve written confirmation of this? Graeme: This account has been closed as per the statute of limitations Act. Me: Thank you kindly for the response. Will I recieve written confitrmation that the account is closed and no further action will be taken? Graeme: I will ask for written confirmation to be sent to yourself, that we are no longer dealing with this and shall not be pursuing the debt. Me: Thank you very much. Written confirmation will be of great help and thank you for ensuring that this will be sent to me. Thank you again and enjoy the rest of your day Graeme: That's no problem at all! Thank you for chatting today. Finally got the answer I was wanting

Hi delta, you do not need to send them a sample signatue for a CCA request. DO NOT SEND IT. There is a letter on the site somewhere that you can fire back stating this.

A blank credit agreement cant act as an enforcable CCA. Send the letter off again requesting a true copy of YOUR CCA not a blank one. A blank one proves nothing

I have never had any problems with Cap One but from the posts I have read about them this seems to be common practice for them (they just don't have a clue). Just keep your head up and maybe think about reporting them to trading standards etc. Sploits

Cap One have failed to comply with your request. There are none of your details on the agreement you have posted. There is a letter knocking about to send back to them saying they have failed. I don't know when you took the card out but I bet the APR etc is at todays rates and not when you took the card out. They are bluffing you stating that they dont have to send you a copy with your signature on it.

Unfortunately I dont think Mobile Contracts fall under the CCA agreement. It would be pointless sending out CCA requests to O2 (but I could be wrong and I'm sure somebody will be along to agree/disagree with me). Do send the "Prove It Letters" and also you could SAR Abbey and claim back all charges they have placed on your account (this should bring your balance hopefully back to £0.00 or there abouts). I suppose if somebody has went into a store and signed for these contracts then they wouldnt have a signature the same as you thus ultimately showing you're a victim of fraud.

Well its deadline day today so in a final effort to get a response from MH school of clowns I have sent this email Dear Mr. Lafferty, As today is your deadline on this alleged debt and you have not produced proof that the alleged debt exists or that the alleged debt is not subject to being statute barred then I take this as confirmation that you will cease pursuing me for this alleged debt, your file is closed and that I will receive no further communication from you, written or otherwise. Thank you kindly for reading this email and I hope you have a pleasant weekend. Regards, I was going to add something sarcastic on the end of it regarding a certain member of his body and a blender but I thought why be nasty when I am winning the fight lol

Hahahaha thanks guys for the comments. Well its been 24 hours since I sent my last email to my mates at Mackenzie Hall and I still haven't had a reply. They will of recieved my letter aswell (no doubt its been filed by them in B-1-N. I am tempted to send more questions to them but I'm now affraid they might end up frying their brains and crying under the constant pressure I am giving them with my question after question. Oh wait seems like a bit of a role reversal now doesn't it lol

Hi turnbacktime. I'm going through some fun with MH but I'm calling their bluff (see post entitled the same as yours - "Mackenzie Hall"). When was the last time you acknowleged or made a payment on this debt? If the debt is 16/17 years old then I doubt they will be able to produce a valid CCA but that wont stop them pestering the life out of you for the cash. What ever you do DONT EVER phone them. They will just bully you into admitting the debt and getting you by the short and curlys. Just keep your chin up and then you may be able to have as much fun with these clowns as I am

Well I never recieved a reply yesterday so I thought I would help speed things up and I sent this yesterday just after 2pm Dear Mr. Lafferty, Have you managed to find proof that this debt is not statute barred? If so I would appreciate it if you could send me a copy of proof. The alleged debt was also subject to a CCA request with Lowells which is yet to turn up so can you actually prove the debt exists? If there is part of the law that I am missing or not understanding regarding the statute barred limits beginning when the default is issued then please can you state them to me with the correct number from the OFT debt guidelines. Again eagerly awaiting your response And still no response. Have I got them running scared???

Hi lickthewallfatboy, I will await a response from my new bestest buddies and see what they say. Then I will ask them to start legal proceedings and see what they say. Firstly while Lowells handled this it was statute barred and they never to this day produced a CCA so why the hell Mackenzie Hall think its any different while they have it is any mans guess

Oh now I have a new friend, a Mr. Mark Lafferty (I want to lafferty at him). He seems to be getting a little hot headed with me. Here is the email i recieved: Dear XXXXX, Perhaps you did not read, or comprehend my colleagues message. Your account is not Statute Barred. Failure to meet repayment by the afore mentioned deadline may result in a recommendation being passed to our client, to instruct further action against you in order to recover the monies owed by yourself. I strongly urge you to contact our offices upon receipt of this correspondence, to discuss the repayment of your debt. Ignoring this matter will not make your problem go away XXXXX. Please call me today. Eagerly awaiting your response & with best regards Sooooooooo I have sent the following reply: Dear Mr. Lafferty, Perhaps you are not understanding what the law clearly states. You and your collegue are telling me that the account is not statute barred but as the law states this is not from when the default starts. Unless you can prove to me that this debt is not statute barred then I suggest that you tell me that the case is closed and that I will have no further communication from yourselves. Eagerly awaiting your response Oh this is turning into sooooooo much fun lol. Any comments will greatly be appreciated

Thanks NailPost, I have emailed him saying that the statute barred time starts from when the last payments was made on the alleged debt or when the last acknowledgement was made on the alleged debt NOT when the default was placed on it. Also asked him to send me prove if he thinks I am wrong. I finally told him that if he cant then a final communication should be sent to me saying the case is closed. If it isnt and they continue to harrass me then I have informed hom that I will be going to the OFT and Trading Standards. After all that I just hope my new found friend invites me to the pub for a "we are sorry for harrassing you" pint. If he does I will make sure everyone gets an invite lol. Thanks again

Bump

I could but I'm starting to enjoy my new found friendship with Michael. Am I right in what I am saying though Mr. Ton? I really want to email him back and tell him this. If I know I'm right I will start getting in touch with OFT etc. Thank you for your help by the way

That bit I dont know about but I'm sure somebody will be along to help. There are alot of very helpful and knowledgable people on here. And welcome to the world of CAG

I would send the complaint to the OFT straight away. Maybe get in touch with Trading Standards and your local MP. The debt is clearly statute barred and they shouldnt be persueing you for it. I'm sure somebody with more knowledge will post on here and help you even more

Good Morning, I got a lovely email last night off Michael Dorrans stating the following: Again thank you for your recent communication, unfortunately the claim that your outstanding account is statue barred are unfounded. This account has been outstanding since its default on the 24th November 2003, therefore the laws found within the limitations act 1980 do not apply to your outstanding account, As a result your balance of £X,XXX.XX is still owed and legally pursuable. Payment is due to be paid no later than noon on Friday 13th March 2009 to prevent the account being referred back to our client with the recommendation to pursue further action against yourself. I thought when a default was placed on me this had nothing to do with the statute barred time limits (otherwise would they ever default people). Their is no default on my credit file either. I thought the statute barred timer started when i last made payment or acknowledged the debt not when they decide they want to place a default against me? Oh I have to pay on Friday............nah can't be bothered doing that lol What would be the best thing to send back to my new found friend Michael?? Thanks again

Thanks for your replies guys. we do understand that the engineers got their rise due to the fact the could go work for another company for more money so this company put up their wages as to keep them but as for all the other staff (inspectors, safety advisors & planners) why should they get it and not the rest of us? They arent leaving or threatening to leave and arent on the same rate of pay as an engineer but yet they got the 3% payrise while the rest of us got diddly squat. It might be a fact that im whinging but it really has caused upset in the 'staff' camp. Thanks again

Hi, I work for an engineering company on a nuclear power plant. We have a fair bit of staff that includes office workers and engineers etc. I work as a Q.S. and am quite happy in my job but something the company has done has really upset alot of staff workers. The company haven't been paying the going rate as other engineering companies and started losing engineers (classed as staff). They directors of the company decided to stop losing people they would give a 3% payrise. This was issued out to the Engineers, Welding Inspectors, Safety Advisors, & Foremen (all of which are classed as staff). But for some reason the company decided not to pay all the staff this 3% payrise and that is what is causing the problem. I never got it, the materials buyer never got it, the training manageress never got it etc. The staff that haven't got it now feel undervalued and most have put CV's into other companies. We are guessing there is nothing we can do but can the company actually do this? What is our best arguement? We have been seperatly fobbed off by 1 of the directors but its still upsetting the 'undervalued' staff. Unfortunately none of us are in a union so we can't go down that road. Any advice would greatly be appreciated.