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Everything posted by femmym

  1. thankyou cerberusalert for clearing that up for me
  2. thankyou for help BRIGADIER i appreciate it please let me know when you find out
  3. i know what you mean , wonder if this is just a coincedence that they phoned me on my new number the person/persons who had the number prevously might have use this number before ?
  4. OIC its another means of cost cutting i never thought they would use the same phone number .
  5. sounds like a weird kind of set up
  6. i had a look at the link yes it looks like reclaim company , thing is not long after i get a phone call off Mucky hall as within 5 minutes hmmmm seems too much of a coincedence to me you sure Mucky hall i think this is something to do with Mucky hall why all of a sudden have one of theses phone calls then they phone me .
  7. whats that some kind of [problem] company trying to say that you have to reclaim what you have never heard of before ?
  8. hi Mucky Hall have started harassing me again i changed my phone number , to stop them phoning the out of the blue i get a phone call off them again how do they get your new number ? also does anyone reconise this number 01792311560 they were asking after me just before Mucky Hall phoned by the way i didnt answer . femmym
  9. hi just a update from before i sent Mucky Hall a prove it letter after they sent me a form asking me what i could or could not afford to pay back what which included what bills are was paying and expenses going out etc anyway i wasnt prepaired to send back this form under no circumstances with no proof that i owed this loan in the first place so i sent them a prove it letter some what 2 weeks ago i still havent heard from them since i reckon its stat barred i thought i would keep you updated thankyou alll for your help i willyou updated . femmym.
  10. Tell them you are receiving 'nuisance calls' of a threatening nature Not if you inform them it is because of harassment. thankyou i will give my cable provider a call a tell them the i am recieving persistent harrasment calls. .
  11. i have yes but when i try to bar the number it wont let me if i change my phone number there will be a charge from my cable provider .
  12. thankyou dx and brigadierfor you help
  13. sorry if im posting this in the wrong place,but here goes is this normal procedure for Mucky hall? what the question im asking is is sent them a prove it letter on tuesday this week which as you know states that i want have no contact with them until they can send me the proof that owe the sum of money to Mucky hall yet why do the keep phoning me once a day still even tho i dont answer the phone . femmym
  14. hi can someone tell please tell me when i send the DCA this letter do i sign the postal order or do i leave it blank . femmym Dear Sir/Madam ACCOUNT NUMBER: xxxx YOUR REF: xxxx I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY With reference to the above account, I request that you send me a true copy of this credit agreement before I will correspond further on this matter. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of my credit agreement on request. Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter. I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. Also, since you are a Debt Collection Agency, I would also ask that you supply a signed true copy of the executed deed of assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974. For the sake of clarity, may I also draw your attention to the following: Consumer Credit Act 1974 s.175 Where under this Act a person is deemed to receive a notice or payment as agent of the creditor or owner under the regulated agreement, he shall be deemed to be under a contractual duty to the creditor or owner to transmit the notice, or remit the payment, to him forthwith. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER : 1. True copy of original signed executed credit agreement 2. FULL Statement of account 3. Copy of the executed deed of assignment from (original creditor) and (DCA) 4. A fair processing notice. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. Further to the above, please ensure that any contact by yourselves is made in writing only to the above address. Telephone calls and personal visits will not be accepted and viewed as harassment. I look forward to hearing from you within the statutory time limit. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully
  15. were can i get a copy of my CRA file from and how do would it cost? yes i wont be talking to these Morons on the phone ever again they catched me on a bad day it wont happen again .
  16. just over a week ago i had a letter come through off Mucky Hall saying can you please contact us Urgently regarding this matter i think the wording was with this reference number because i was not thinking at the time time due to i have had alot of other problems lateley i phoned them by accident and the horrible Man answered the phone asked me to quote this reference number and my name and address asked if i used to live at this previous address aswell which they already knew because i gave them my name and address by quoting the reference number they asked my phone but i refused he said you do know that calls are sometimes recorded but i know he will have my phone number anyway as im not on BT and i cant withheld my number , after that every day i have recieved a one phone call a day which i have ignored i know its them because the only other people to phone me are family and i have worked out a type of code with them when they phone rings i got this Income & outgoings letter on thursday asking me to provide the information what i can/cannot afford to pay them the worte thing about it is im sure that this is Stat Barred how could i find out whether it is or not by the way i am not paying them a penny .
  17. ok dx thank you for your reply so that goes for any other letters aswell.
  18. how can DCA send out letters asking how much can afford to pay the to people asking them how what you payout when they havent sent you proof through saying you owe the amount they say and expect you to respond to them by post within five working days .
  19. well it was my old address that i had this debt was with Halifax bank and it was back in 2005 which is 6 years and i havent made any payments to them since then
  20. i recieved a income and expeniditure letter off mucky Hall today ,saying thankyou for call/letter to mackenzie hall . please find attached an income form to be completed and returned to mackenzie hall within 5 working days . please complete each section of this form , making sure you give true reflection of your financial circumstances and how an offer of payment that will be suitable to both parties . mackenzie hall is wishing to come to a a fair and consistent arrangement with you so that the matter can be resolved amicably. payments can be made using the following methods which they waffle on about who to make it payable to and that you have to quote you reference number . this is the first official letter i have had off them since i spoke to them last by accident but i still reckon that this is a barred debt so what should i do just ignore this and all future letters and phone calls off mucky hall or send the the barred debt letter and remind them that this was 6 years ago even tho they know were i used to live at my old address and when i phoned up last week when i quoted the reference number i havent made a payment to mucky hall and i DONT intend to either . femmym
  21. thankyou all for you kind replys i ican relax a little now .
  22. Hi , im worried sick i had a letter of Mucky Hall last week with the reference number on saying contact them urgently like a fool i panicked because im a worrier i got thru to this arrogrant Man on the other end he asked me to confirm my name DOB and former address then he said i had a debt of sow and sow....... i never but i said how can i pay that im on income support as i had to finish work due to ill health i think i may have started it up again my debt as im sure it was 6 years ago Barred debt how will i know if i have or not im so angry with myself not knowing about this website before if i had i wouldnt have phoned them in the first place i have had two phone calls off them since i phone them last thursday thats the only other contact i have had so far i wouldnt give them my phone number but they can get easy anyway femmym
  23. hi everyone another newbie here i thought i would join and get some advice as my stress facters levels are going thru the roof at the moment with debt .
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