Cabot c/o Mackenzie Hall Letter on HFC Loan debt

[Piano Cube]

Hi,

 

 

I recieved a threatening letter regarding an amount of £2,300 from 2002/2003.

 

 

I called and the guy said that in 7 days further action would be taken including seizing assets or property if i didn't pay up.

 

 

I told him it would be impossible to find the money and that i would need some proof.

 

 

He asked how much i could afford and i said installments of £50 was all i could ever manage.

 

 

He said i could clear the debt with £1,800 and told me to ring round and try and raise the money.

 

 

I've had a bit of a read of the site now and just wanted to know where this leaves me?

 

 

Thanks in advance for anyone's help.

 

 

Rob.

[saintly_1]

Hi welcome to cag

 

You have come to the right place. Just a few details needed from you

 

When was the last payment/written acknowledgment of the debt ?

What was the debt for ?

Who was the Original Creditor ?

[ODC]

Rob

 

NEVER SPEAK TO A DCA ON THE PHONE.

 

Demand everything in writing.

 

NEVER SPEAK TO A DCA ON THE PHONE

 

 

The good news is that if MH have the ALLEGED debt its 99% certaing to be Statute Barred and UNENFORCABLE.

 

You may also wish to make a formal complaint against these clowns as telling you to borrow money from friends is a clear breach of OFT guidelines on debt collection

[Piano Cube]

Hi guys, thanks for the quick response. Yes, i know now not to ever speak to them on the phone, horrible people.

 

1: When was the last payment/written acknowledgment of the debt ?

 

That would be around 2003. I moved house in February 2003 and cleared up the debt before i left.

 

2: What was the debt for ?

 

It was a PC from PC World. It was HFC that did the agreement for the HP.

 

Hope that answers your questions alright.

[saintly_1]

As ODC has stated this is now statute barred

 

Send them letter M from here http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html#post162353

 

Saint

[ODC]

Actually Saintly if the last payment was made in Feb 2003 then the debt will not be Statute Barred until next Feb unless of course the OP resides in Scotland. That said however I would still send off the Stat Barred letter and see what if anything MH come up with

[Piano Cube]

Hi everyone, started a thread on this before but cannot find it. I sent the "Statute Barred" letter to these morons several weeks ago as they were chasing me for a debt of £2,318. I recieved a letter today stating:

 

"Mackenzie Hall has made the decision not to persue you any further. You will recieve no more letters from Mackenzie Hall."

 

They have made the decision? They are legally unable to is more like it!

 

Brilliant result, so i would like to thank everyone that has helped me sort this out.

[42man]

Well done Rob....here is your thread if you want to update it !!

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/147240-cabot-c-o-mackenzie.html

[maroondevo52]

Good spot, 42man

 

We'll get the thread title changed to 'won'

 

Regards.

 

Scott.

[havinastella]

until they pass it to Acktive Kapital

[Captain Spaulding]

Awesome, well done! Another tick in the box....

[Piano Cube]

I sent the "Statute Barred" letter to these morons several weeks ago as they were chasing me for a debt of £2,318. I recieved a letter today stating:

 

"Mackenzie Hall has made the decision not to persue you any further. You will recieve no more letters from Mackenzie Hall."

 

They have made the decision? They are legally unable to is more like it!

 

Brilliant result, so i would like to thank everyone that has helped me sort this out.

[NailPost]

Just make sure the scumbags haven't put any negative information on your credit files. If they have write and tell them to remove it. If they don't issue a claim for defamation.

[NORNIRONGIRL08]

Rob

 

I had same letter from Mac Hall then got letter from Meritforce see my recent thread. Unfortunately MH are a law of their own. I thought like you I had it sorted

 

NI Girl