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  1. Just a thought, these guys have done lots of credit searches will this have affected his credit rating in any way? Thanks
  2. Cheers folks, looks like we have lots of letter writing to do. We wrote to MH back in Feb quoting the recent slap they got and they come back with this ...not got many brain cells have they!! Will try to write to the original debtor but doubtful it will be the correct address as this agreement dates back to 1995 so likely statute barred anyway! This firm really are bottom feeders aren't they! Thanks all
  3. Hi, My partner has been pursued by Mackenzie Hall for a credit card debt we know is not his for years. The first and surname is correct but the middle name incorrect. We have asked them a number of times to cease their harassment and requested a copy of the agreement and who the debt is owed to. Today an agreement arrived but it is NOT my partner's as we knew because we have never had a credit card. This agreement lists the other persons date of birth, no of dependants, address, previous address and bank account details!!!! It also has a letter attached to it that the debtor has written to the credit card company also including personal details about their financial status, employment and savings. This cannot be legal or ethical! We are furious and want to take some advice form you guys so that we handle this in the best way possible because these people need to be stopped!!! Who do we complain to first, and would it be an idea to contact this person's bank (not the same bank they held their credit card with) and let them know personal accounting details are being passed to strangers? We really want these people stopped so want to calm down and then take the appropriate action against them. Cheers,
  4. Thank you it was a bit unsettling to come home to Last time they wrote once and took it straight to court so hope they do not try again.
  5. Hi, HFO took a case against me in 2007, they failed to attend the hearing and the Judge struck it out. They made an application to reinstate in 2008 and the Judge denied it, he gave them 7 days to appeal that decision and they did not. Now today I have come home to threatening letters and a 'copy' of an application form which they are passing off as an agreement. Surely given this case has been struck out they cannot do this? I have both copies of the paperwork from Court. BTW due to my mental health state at this time my husband was appointed my litigation friend by the Court in 2007. Any advice would be gratefully recieved
  6. Hi, My partner recently did a SAR on a company he is in dispute with. It seems at some point somebody has applied for an official copy of register of title at the land registry. This has been passed on to the company and they have processed my data on my partner's electronic records. Is this a breach of Data Protection, should they not have blacked out my details before processing? I gather anybody can search the land registry I just feel a bit aggreived they are keeping this data on record relating to me when I have nothing to do with the alleged account. Have I waffled or do I make sense lol
  7. well peeps the saga continues! Still no mediation but they have applied for and successfully gained more time from the Court. They are also now saying that SLC have found signed original agreements. You can see these are recently signed even from the copies we have and one is dated the day after my hubby has dated his which would have been impossible as the university used to send off these agreements as job lots by post. We have requested these agreements be scienitifcally tested at our expense (unless any anomolies are discovered) and they have refused our request. They have admitted they do not have a notice of assignment but have said they can provide a letter from the SLC that states they sold the loan but this is surely not good enough in law is it? A further point is that they do not have copies of defaults, they said it is not usual custom for finance companies to keep copies - I thought this was a legal requirement? Furthermore, there have been 3 default's issued can they do this? If anyone can help would be very grateful, Thanks in advance
  8. Hi Slick132, Can she just ask to opt out of this system? I am staggered they can charge £22 every 5 days on an amount she never even asked for, she originally asked for £200 overdraft they raised it by another £150 without telling her. In the meantime I will get her to talk to them and fingers crossed they will help!! She is a lovely very polite young lady so that may get her somewhere, the flip side is she is a bit too nice sometimes! Thanks for your help it is very much appreciated
  9. Hi, My daughter has an account with Barclays she is a student. She went to them some time ago to explain she was having problems while awaiting a bursary payment so they gave her an overdraft of £200. That was fine for a while but then she had heart surgery and as a result of her medical condition had to change degree's and is now awaiting student loans payments so has zero money until the paperwork goes through. Barclays wrote to her and told her they had given her something called a Reserve of £150, which got eaten with direct debits. They are now charging her £22 every 5 days which they are claiming is a reserve usage fee. I have only just found out about this, she has felt embarassed and kept it to herself, she really does not need this stress on top of her heart condition and operation! Any help will be gratefully recieved
  10. Hi, I am far from an expert but think you need to CCA to claim a dispute?
  11. Since I last posted my OH has recieved two letters from HSL, one a statement of account to which legal costs have been added despite the fact the judge said they were awarded NONE! The second is pretty intimidating and a gross misrepresntation of the facts. They are claiming the judge ordered my OH answer their statement of case - A LIE, they are also saying my PH admitted the debt - A LIE, and they are asking for their money!!!! How are we supposed to enter medition with tricksters like this? Can we go back to the judge with this even though the case is stayed for 2 months? To be honest we never understood how mediation was going to work when even the judge said there was no legally enforceable agreement (and he said he felt what they had supplied was copied from something else - isn't that fraud??!!), or a notice of assignment. So given all that it was going to be difficult but the latest correspondence is just a gross misrepsentation and intimidating ie if you don't pay up this could cost you blah blah. Another point OH was awarded small costs which we have yet to recieve, how do we go about that - small claims them Any help gratefully recieved
  12. Have just read this thread what fantastic news - well done everybody
  13. Hi, there was no explanation but they refer to a letter they have allegedly sent that apparently explains their reasoning. Of course I haven't received said letter! I think I maybe need to reply since they refer to a letter I haven't got they could pull a stunt or two with that? So at the very least maybe I need to let them know I do not have the letter they refer to? Thanks
  14. Hi, I am very new to this so hopefully someone with a lot more knowledge will be along soon to help. I think though if there is no CCJ (which I doubt) then your debts are statute barred under the Limitations Act. If there is a CCJ then I'm not sure what happens. Hopefully, someone with heaps of expereince will read this soon and help you out. This is a great group and I haven't felt so in control of my life for a long time
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