Jump to content

Fogel

Registered Users

Change your profile picture
  • Posts

    5
  • Joined

  • Last visited

Reputation

1 Neutral
  1. Thank you BRIGADIER2JCS, that's a great letter, I'm printing it as we speak. If I receive anything back from MH I'll be sure to update this thread. May I also just say, you're all amazing! I shall be donating to this site so as to help keep it running! Many Thanks again Ms Fogel.
  2. Thanks Stigman, I'll send it this afternoon and I'll be sure to add the extra text. Many, many thanks indeed!
  3. Stigman, 42man, I can't thank you enough! I did think about just sending the letter, but your comments have given me a great deal more confidence in doing so. One last thing, do you think it's worth sending it to MH and Cabot? Thanks again Ms Fogel
  4. Hi Stigman, Many thanks for the lightening quick reply! The last payment I made was either in July or August 2006, guaranteed no later than August 2006 and I've not contacted them or acknowledged any communication from them since. I was thinking of ignoring them until after they fell off my credit report (This is the last thing then it's clear!) but this letter from MH has me worried. Many Thanks Ms Fogel
  5. Hi forum people, I've been reading a lot of the posts here and I'm fairly sure I know what I need to do but would appreciate your advice too. I've been receiving letters/e-mails/texts and phone calls from Mackenzie Hall over the past couple of months all saying the same thing, i.e. we ned to contact the named person in relation to a personal matter etc but nothing more. I've recently come back from holiday and have received a letter from them finally detailing what they're chasing me for, the letter is below: Date of Letter: 28th August 2012 Ref: M******** Client Ref: ******* Pursuers: Cabot Financial (Europe) Limited Original Creditor: Egg Principal Sum: £****.** FAILURE TO RESPOND NOTICE Dear Mr ******, Despite previous correspondences you have failed to respond. We have obtained this alternative address as a financial link, linking this address to the previous abode. The financial link information was supplied by a credit reference agency. We have been instructed by our client to recover this overdue amount on their behalf. Our clients have informed us that they are unaware of any legitimate reason for non-payment of their account and although they would prefer an amicable settlement, they will not hesitate to take further action as may be appropriate. We trust that this will not be necessary and would request that you send your payment by the deadline below: ------------------------------------------------------------------------------------------------------------------------------- Payment Deadline: Noon, 4th September 2012 ------------------------------------------------------------------------------------------------------------------------------- If you have recently forwarded payment or if there is any issue you would like to bring to our attention then we would ask you to contact this office immediately by telephone on 0844 411 5068 Important: If you are not the named person above please contact us quoting Address ID: CM******** to stop any further communication. Now there are a couple of things I'm not sure about, I've checked my credit file (Check my file and Noddle) and they both have the same thing on there, namely, Egg have a default on there against me which shows payment history ok until August 2006 (When I started having trouble) 1st missed payment in September 2006 and then it shows debt assignment in October 2009. Then there's an entry from Cabot starting on October 2009 and it's still showing as default now. Both entries are obviously for the same Egg card and they both say they're reported until October 2012. My questions are this: 1. Is it normal to have 2 entries for the same account by 2 separate companies like this? 2. Can I send the Statute Barred letter now, or should I wait until October? 3. The date of default on the Egg entry states 26/10/2006 but the entry for Cabot says 01/10/2006, isn't the date of default usually a few months after the actual last contact/payment? I'm confident that I've not paid/acknowledged or contacted Egg in any way since the very beginning of August 2006 so I know that 6 years has passed but I'm worried that if I send the statute barred letter now just before it comes off my credit file will the timer reset? (Sorry if it's a stupid question but I'm really worried about this!). Thank you so much for any help you can offer! Ms Fogel.
×
×
  • Create New...