I believe you will find that a Student Loan of 1990 was a regulated agreement under the CCA 1974, as opposed to subsequent and more recent loans. Therefore I suggest a s.77 request for a copy of the executed agreement and a full statement might be helpful in the first instance. HTH Regards - Richard.

NO

See this: “Assignment of debt defeated by payment”. A judgment debt sold on is defeated. Also stay of bank charges case. http://www.wragge.com/analysis_4401.asp HTH - Richard

Excellent link Elsa! If I receive even one sms giving me the contact details of anybody who has searched for me, I shall simply not reply then go ex-d as I will then know I am in the system. In any event, my family all have PAYG mobiles and as our children update we have their hand-me-downs, so the sims are registered with the original subsciber. Thank you - Richard.

No problem BRW; well done for promulgating the case detail. The ratio of Mealing-McLeod is as below being the appropriate authority to cite I would suggest: Regards - Richard.

It may assist if I refer you to the following case: Mealing-McLeod v The Common Professional Examination Board [2000] All ER (D) 436 HTH Regards - Richard

“A company that buys distress assets is suddenly fashionable - everybody wants to be us,” said Burdell." Not me thank you very much! I thought it was just MPs who are out of touch with public opinion? It is apparent that the Burdells can afford the planned demolishing and building of their home by perusal of public information from the company reports of LINK FINANCIAL LIMITED and the ultimate owning company in Dublin (LCH EUROPEAN PORTFOLIO HOLDINGS LIMITED – of which MORGAN STANLEY STRATEGIC INVESTMENTS LIMITED is a shareholder). See attached company reports. It appears from Google photographs (see attached) that Mr Burdell and his wife live at the junction of The Boltons and their next-door cottage is in Gilston Road. The Sunday Times report of 3rd May 2009 was published on Selina Burdell’s 40th birthday as noted from the LINK Company report. HTH – Richard. Attached: SEE ALSO: LONDON EVENING STANDARD REPORT US banker joins the underground trend with £10m plan to rebuild his two homes | News PRESS RELEASE: LINK LAUNCHES THESIS TO ADMINISTER STUDENT LOANS AfterDawn.com: Press releases: LINK Financial Launches Thesis Servicing - a Brand Dedicated to Student Loan Servicing 4th WORLD FENCA CONGRESS IN NICE, FRANCE 2008 – SPONSORED BY LINK FENCA - Photo Gallery

I do not provide advice. Richard.

"Not really"? I concur with your assertion that the clock begins again upon admission during either the 6 or 12 year limitation period - as I stated previously. A concur JonCris; I did not suggest anything otherwise! Thank you for your comment MTAR. In conclusion; I apologise if my clumsy interjection caused any misunderstanding. Off course my opinion should not be relied upon. Nevertheless, simply put it is my understanding that under English law the basic premiss is that a simple contract is actionable up to a period of 6 years from the date of default or one of the parties cease performance or the admission of said default or cessation and a contact under seal is actionable up to 12 years. Hope this helps. Richard.

I would just add that the 6 or 12 year periods can begin running again upon the admission of a debt by the debtor i.e. by offering to pay an instalment or, indeed, declining to pay an instalment due to not having the wherewithal. It is prudent to be very careful not to unwittingly admit a debt, particularly towards the end of the initial 6/12 year period as some creditors attempt this or even attribute phantom payments to accounts in order to claim a payment has been made and thus running the clock again. HTH – Richard

Another OFT warning for a DCA – “Link Financial Limited”. http://www.oft.gov.uk/news/press/2009/58-09 Interestingly, while the OFT Requirement refers to debtor tracing, the reference at paragraph “3” to the allocation to reduce an alleged debt by the £1 fee for ss.77 /78 CCA 1974 requests goes someway to recognise that such payments for statutory requests are not only to be accepted as such, they should not be understood to be any admission of an alleged debt by the making of a payment and consequently, possibly, extending the statute barred period for a disputed debt or other alleged debt. As an aside; the recent practice brought to my attention of DCAs referring in correspondence to debtors as their “Customers” and providing statements of accounts without any payments showing as made is an insidious a practice as are the obnoxious parasitic DCAs. Finally in update of the sickening practices employed by some DCAs; the 62 year old widow of a deceased friend of mine of some 30 years practising as a colleague who sadly passed away in February this year informed me by telephone late one evening last week that two burly debt collectors (she described them as “Bouncer types”) called at her home demanding £42 for an alleged unpaid E-bay account in her husband’s name. Upon the presentation of her husband’s death certificate, the “Bouncers” asked her to give them £42 plus their collection fees of £220. They very kindly offered to drive her to an ATM to withdraw the funds from the bank account that receives her State Pension, Incapacity and Widows Benefit. Such nice individuals don’t you think? Needless to say; my friend’s window rather astutely referred the “Bouncers” (from an unidentified company) to the Executors of her late husband’s estate. Regards – Richard.

Subbing, this may be of interest to the thread! So presumably CITI managed to produce and agree with the OFT a true copy of the credit card T&Cs? http://www.oft.gov.uk/news/press/2009/45-09 Regards - Richard

So presumably CITI managed to produce and agree with the OFT a true copy of the credit card T&Cs? http://www.oft.gov.uk/news/press/2009/45-09 Regards - Richard

I have edited Andrew Macinlay’s external links on Wikipedia to highlight his debt collection debate in the House on 22 April 2009. http://en.wikipedia.org/wiki/Andrew_MacKinlay “External links Andrew Mackinlay speaks out in the House about the debt collection industry being "rotten to the core". 22 April 2009”. Regards – Richard.

I have edited Andrew Macinlay’s external links on Wikipedia to highlight his debt collection debate in the House on 22 April 2009. http://en.wikipedia.org/wiki/Andrew_MacKinlay “External links Andrew Mackinlay speaks out in the House about the debt collection industry being "rotten to the core". 22 April 2009”. Regards – Richard.

Quotes from the Daily Hansard Parliamentary Debate regarding Debt Collection and the Consumer Credit Act on 22 April 2009 beginning at column 338. At column 341 Mr Andrew Mackinlay (Thurrock) (Lab) states: “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” [my emphasis added] At column 342 The Minister for Trade, Development and Consumer Affairs (Mr. Gareth Thomas) states: “The OFT would expect the debt collection agency concerned to have checked the accuracy of the client data details that it received from the creditor or agency, and, where possible, to have obtained a copy of the original consumer credit agreement.” [my emphasis added] See the original Hansard publication on the link below: House of Commons Hansard Debates for 22 Apr 2009 (pt 0019) HTH Regards – Richard.

Quotes from the Daily Hansard Parliamentary Debate regarding Debt Collection and the Consumer Credit Act on 22 April 2009 beginning at column 338. At column 341 Mr Andrew Mackinlay (Thurrock) (Lab) states: “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” [my emphasis added] At column 342 The Minister for Trade, Development and Consumer Affairs (Mr. Gareth Thomas) states: “The OFT would expect the debt collection agency concerned to have checked the accuracy of the client data details that it received from the creditor or agency, and, where possible, to have obtained a copy of the original consumer credit agreement.” [my emphasis added] See the original Hansard publication on the link below: House of Commons Hansard Debates for 22 Apr 2009 (pt 0019) HTH Regards – Richard.

Quotes from the Daily Hansard Parliamentary Debate regarding Debt Collection and the Consumer Credit Act on 22 April 2009 beginning at column 338. At column 341 Mr Andrew Mackinlay (Thurrock) (Lab) states: “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” [my emphasis added] At column 342 The Minister for Trade, Development and Consumer Affairs (Mr. Gareth Thomas) states: “The OFT would expect the debt collection agency concerned to have checked the accuracy of the client data details that it received from the creditor or agency, and, where possible, to have obtained a copy of the original consumer credit agreement.” [my emphasis added] See the original Hansard publication on the link below: House of Commons Hansard Debates for 22 Apr 2009 (pt 0019) HTH Regards – Richard.

Quotes from the Daily Hansard Parliamentary Debate regarding Debt Collection and the Consumer Credit Act on 22 April 2009 beginning at column 338. At column 341 Mr Andrew Mackinlay (Thurrock) (Lab) states: “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” [my emphasis added] At column 342 The Minister for Trade, Development and Consumer Affairs (Mr. Gareth Thomas) states: “The OFT would expect the debt collection agency concerned to have checked the accuracy of the client data details that it received from the creditor or agency, and, where possible, to have obtained a copy of the original consumer credit agreement.” [my emphasis added] See the original Hansard publication on the link below: House of Commons Hansard Debates for 22 Apr 2009 (pt 0019) HTH Regards – Richard.

Quotes from the Daily Hansard Parliamentary Debate regarding Debt Collection and the Consumer Credit Act on 22 April 2009 beginning at column 338. At column 341 Mr Andrew Mackinlay (Thurrock) (Lab) states: “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” [my emphasis added] At column 342 The Minister for Trade, Development and Consumer Affairs (Mr. Gareth Thomas) states: “The OFT would expect the debt collection agency concerned to have checked the accuracy of the client data details that it received from the creditor or agency, and, where possible, to have obtained a copy of the original consumer credit agreement.” [my emphasis added] See the original Hansard publication on the link below: House of Commons Hansard Debates for 22 Apr 2009 (pt 0019) HTH Regards – Richard.

Quotes from the Daily Hansard Parliamentary Debate regarding Debt Collection and the Consumer Credit Act on 22 April 2009 beginning at column 338. At column 341 Mr Andrew Mackinlay (Thurrock) (Lab) states: “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” [my emphasis added] At column 342 The Minister for Trade, Development and Consumer Affairs (Mr. Gareth Thomas) states: “The OFT would expect the debt collection agency concerned to have checked the accuracy of the client data details that it received from the creditor or agency, and, where possible, to have obtained a copy of the original consumer credit agreement.” [my emphasis added] See the original Hansard publication on the link below: House of Commons Hansard Debates for 22 Apr 2009 (pt 0019) HTH Regards – Richard.

And as you allude to in a post in another place JonCris; MH act for 1st Credit - both impositioned by the OFT! Best - Richard.

Thank you ODC for your insight. I have not checked JB out fully as yet or cross referenced other directorships. However I did notice the following as quoted from the J2 Solutions Ltd website: ‘During 2008, J2 achieved two accolades. Gary Jones Managing Director was appointed as a Director of the CSA and in October 2008 J2 Solutions won the inaugural Credit Today award for the “Tracing Agency of the Year”’ So presumably Gary would ensure that CSA members strictly adhere to the CSA Codes of Practice – as attached hereto! HTH Richard.

6. MERITFORCE RETURN 08 7. J2 SOLUTIONS LTD RETURN 05 8. J2 SOLUTIONS LTD RETURN 06 9. J2 SOLUTIONS LTD RETURN 07 10. J2 SOLUTIONS LTD RETURN 08 Regards – Richard.

I can’t see any connection of Mackenzie Hall to JB Debt Recoveries Ltd; however see below public information available with regards to the following: 1. MACKENZIE HALL LIMITED REPORT 220409 2. MACKENZIE HALL LTD RETURN 08 3. MACKENZIE HALL HOLDINGS LIMITED REPORT 220409 4. MACKENZIE HALL HOLDINGS LTD RETURN 08 5. MERITFORCE LIMITED REPORT 220409 SEE NEXT 5 FILES IN FOLLOWING POSTING 6. MERITFORCE RETURN 08 7. J2 SOLUTIONS LTD RETURN 05 8. J2 SOLUTIONS LTD RETURN 06 9. J2 SOLUTIONS LTD RETURN 07 10. J2 SOLUTIONS LTD RETURN 08 You will see that JZ FINANCIAL SERVICES BV (a Netherlands company) is cited in the report of MACKENZIE HALL HOLDINGS LIMITED. I hope that the lawfully obtained public information promulgated herein is of interest. Regards – Richard.