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    • Hi HB,  I have been using it - freedom pass for a long time, this is why i am worried, my memory fails me!  there is no way of checking on the freedom pass usage according my partner.  see my question on your comments: Paragraph 1 a short explanation of why you used the card on the day you were caught worry: as i said i have no excuse other than to save some money  Paragraph 2 you know you made a mistake and you regret it worry: yes i will admit that it is my fault and apologise profusely - will see other template Paragraph 3 you understand how what you did is wrong and the effect it has on TfL worry: yes will do, borrowing words from other template Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again worry: i have an oyster PAYG which i use for my journey in to work -ranging 2-3 days a week;  so i can't say that i will buy a season ticket which is more expensive?? Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this worry: i will do that. QuestIon: will they inform my employer?     
    • So they seem to be deliberately fouling Britain - not 'just negligently Need to be in jail alongside the PO crims, and rabidly corrupt MPs
    • Well, we know it seems that the poops and others just use there MP position mainly to generate funds from their 'outside' lol interests Lets hope labor BAN second jobs for Mps - all second jobs - then create a truly independent expenses 'police' with real powers Tip of the iceberg: "A cohort of Conservative MPs standing down before the next election have netted jobs worth millions of pounds and have taken dozens of all-expenses-paid trips funded by foreign governments and lobbyists, the Observer can reveal." so far - "top of the list was former justice secretary Brandon Lewis, who has taken on five new part-time roles worth £410,000 a year alongside his commitments as an MP.   Outgoing Tory MPs take lucrative second jobs and ‘swan off on jollies’ | Conservatives | The Guardian WWW.THEGUARDIAN.COM Sixty four Tories and four independent MPs who lost party whip plan to stand down from the Commons amid dire polling for Conservatives  
    • The first thing you need to do is for your father to send Argos customer services an email saying he wishes to return the item within the 14 day cooling-off period under the Consumer Rights Act 2015. This is important because he needs simple proof to back up his request, as they are being stubborn. Enclose a copy of receipt details so they can locate the sale, Distant selling regulations will apply as he made the contract online with the retailer and they took the payment. The contract is between your father and ARGOS. He has to cancel the contract and receive a refund back to his debit card. You cannot act on his behalf as a third party and they have every right to refuse to deal with you if they so wish. Data Protection the number one issue. I don't understand why Privity was mentioned since nobody is suing anyone. How you received the goods is irrelevant. A retailer's terms and conditions cannot derogate statutory obligation.
    • TfL take abuse of staff passes very seriously. If the pass has been confiscated I imagine they will write to them and it could result in the card being suspended for a time, as I understand it. I hope you've told them about the card being confiscated and why? We need to know how many times you used the pass please - how many weeks at 2-3 days a week. Later I would expect TfL to write to you as well, possibly with a schedule of journeys made with the card, to ask you to tell them which journeys were you. They will ask for your side of the story. We can help you to refine a letter to send once they write but you need to start it off because you're the only one who knows the full story. I suggest something like this. Paragraph 1 a short explanation of why you used the card on the day you were caught Paragraph 2 you know you made a mistake and you regret it Paragraph 3 you understand how what you did is wrong and the effect it has on TfL Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this Please don't copy and paste what I've said, use your own words. HB NB This is a suggested reply, don't send it before they write to you because we need to see what they say.
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Mackensie Hall (Ive phoned them)


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I have recently moved into a new house with my girlfriend and about two weeks ago my ealderly neighbours told me that i need to phone this number on a personal matter and that they wouldnt take no for an answer. I phoned the next day and spoke to a person at j2 solutions who asked me my date of birth and then passed me to a man at Mackensie Hall. They said that i had a debt of £7117 from Barclaycard and gave an old address i lived at, i said how could this be as the debt was only £1500 nine years ago. He then told me they only except lump sums and they could not except less than £5000, i told him i didnt have any money and would have to phone back after weekend. After a bit of a struggle he agreed and then asked me lots of questions about weather ive had my house taken off me, money taken striaght from my wages, ect..

 

I rang back last monday and told him i could only raise £3000 he said he would have to speak to the underwriters and would get back to me. Later he phone saying they could not except less than £3914.35p, i agreed but said i would not do anything until i had it in writting as i was borrowing off family members.

 

I had not recieved a letter by Friday so rang them back and they said they would send it again and it would be with me by Tuesday. They have also said they will not take a personal Cheque and i should pay by Debit Card.I then started looking on the internet and found this site and now know what an idiot i have been.

 

Have i messed up my chance of using Statute Barred?

 

Please help somebody

 

I will have to borrow off my Dad, Nan and Girlfriend who has had to get £1000 overdraft. I really cant afford to pay this and these guys are really nasty to talk to.

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Have i messed up my chance of using Statute Barred?

 

No, if the debt was already statute barred (so 6 years or over since you last acknowledged the debt in writing or made payment on it) it remains statute barred.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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First of all obviously don't phone them in the future. How long since you had previously acknowledged the debt? Was it nine years? If this is the case send them the statute barred letter here http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html template M. Send it recorded delivery and don't sign the letter.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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If you have a read of some of the other Mac Hall threads on the forum, you will find that they like to buy up statute barred debts in the hope that some poor, unsuspecting person will cough up without challenging the fact that the debt is statute barred.

 

As Rory said earlier, do not speak to these people on the 'phone. If they do ring, do not answer their security questions and tell them that you will only correspond with them in writing.

 

Good Luck

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Yes i have read some of the Mac Hall threads but i couldnt find one where someone had agreed by phone. Ive looked on various web site about Statute Barred and some say it is just in writting or payment but some (eg National Debtline) say that agreement by phone also makes the time restart.

 

Im glad i found this site, i was very close to paying out £4K that would make my life misery from quite some time.

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Once a debt is statute barred it can not become unstatuted barred.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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WAIT until you receive anything in writing from them that idents a debt.

IF they call again demand everything in writing ONLY.

 

Acknowledgement of a debt ONLY counts if it is in writing or by payment, an alledged telephone conversation holds about as mush water as a sieve ;)

Be VERY careful whose advice you listen too

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Hi Steve,

 

My son also had dealings with machall and again it was for a statued barred debt. He did not even know anything about this debt. After being on this forum I started to write to machall for my son, following all the instructions and after about 6 months it has now went very quiet. On every letter I sent to them I reiterated that we do not in any way aknowledge the alleged debt. Make sure that you put that in your letters. The one good bit of advice that we received from this forum is

Never Never Never phone them.

What did happen though is that we started to receive phone calls from a company called Ace Europe wanting to talk to my son, but I would never let them talk to him. They come on the phone and ask you in a very nice tone of voice to talk to you, do not get taken in. I always said that my son wasn't in and if they wanted to contact my son put it in writing. Eventually I told them when they called that I was recording the calls and that I was now going to complain to the Information Comissioner about their tactics. Oh and by the way they lie, they said that they had already spoken to my son, and when I asked what date, I said really! considering that he wasn't even in the country at that time they managed that very well. That shut them up.

So beware, because if machall cannot get any money of you they will sell on the debt.

Also make sure that when you send machall any correspondence you recorded deliver it. When I checked the royal mail tracking system for our recorded delivery they had received 18 in the one day. Obviously they get a lot of mail.

Good luck.

p.s. don't pay them a single penny.

 

Eileen

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As has been pointed out even if you had admitted in writing and signed with your own blood that youw would pay them money they cannot enforce a Statute Barred debt.

 

You can rest assured that when your letter hits the desk in Kilmarnock there will be a lot of wailing and gnashing of teeth. That is why the monkey on the phone was so keen to get hold of your debit card details. Expect a lot of threats from these numpties. They are well known as low life bottom feeders

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Mackenze Hall staff are not known for their reading abilities and will routinely ignore letters including legal requests for documents.

 

You may find it useful to send MHall a second letter stating claerly you will not speak with them on the phone. Request they, no INSIST, remove your phone number from their database. Under the Comms Act 2003 they are legally obliged to so. This tactic is useful because when they continue to call you this can used to show harrassment. All you have to do is answer the call, tell to feck off but only after stating you are logging the call, "can I have your name and position for my records?" and get them to agree the date and time of the call. It stops them dead every time!

 

Then, after just two of these calls, you can shop the **** to OFCOM for harrassing phone calls and the Information Commissioner (already said to be investigating breaches) because they are used your data in a way that has been denied to them.

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UPDATE

 

Recieved a call today at 3.30pm on my work mobile (the only number of mine they have) and i let it go to answer phone.

 

Message as follows:-

 

Message for a Mr ---- from a Mr ----- at Mackensie Hall, sir. I have issued a letter twice now as requested in order to confirm settlement on account number -----. Basically i need that payment secured now, sir. If you havent received the letter then it will be with you anytime soon. I can also send for security and your convenience an email form of letter so you have it there if you have an email address so your back is covered. I need a call back with payment before the end of buisness tomorrow on phone number -----. It has been sent through twice now so hopefully you should have it today or tomorrow. I will expect payment immediately on receipt of that, thank you.

 

 

I dont expect ill ever recieve a letter and i will get a lot of phone calls after tomorrow. They only have my work mobile so i can let it just go to answer phone and save the messages. I just hope they dont start ringing my neighbours!

 

Any thoughts or advice welcomed.

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