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susan74

MIL Collections/Mackenzie Hall

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Hi guys,

 

I'm lookng to pick your brains regarding MIL Collections. I've had dealings with Mackenzie Hall before and, following all the advice I received on here, sent them the letter stating that the alleged debt was over 7 years old and therefore statute barred. After that it seemed it was job done, as I heard nothing further. Now, however, I have received two letters from MIL Collections, who are chasing the same debt. I am assuming MH sold this on to MIL. The first letter was the standard "pay up or we'll come to you" type, which i just ignored to be honest, and the second one, received today, is offering me a "Full and final settlement" figure, complete with payment options!!

 

My question is basically can I go on ignoring these as I have already informed MH that I do not acknowledge this debt, and that it is statute barred, or do I have to repeat the whole process with MIL. And will they just keep selling it on forever? This debt is now well over ten years old and I don't want to have to keep repeating myself every year!

 

Thanks in advance for any help.

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You can continue to ignore them, or send them a letter pointing out that the debt is stat barred/in dispute.

 

alternatively contact trading standards and complain, also a nice complaint to FOS and FSA about their tactics


Hope this helps

 

 

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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Write to Mil Collections and tell them you wrote to MHall and told them this matter is statute barred. You don't need to remind them that nothing the Scots cretins do or say will unbar the account. Tell them that unless they confirm in writing within 7 days the matter is closed you will make a complaint. Ask for their complaints procedure. When you make the complaint report them to Trading Standards, the OFT and ultimately the Financial Services Ombudsman. For the sake of completeness you could also complain to the Info Commissioner because they are processing your data without permission.

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Statute Barred letter + phone call to trading standards should do it.

 

08454 040506

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Don't let them get away with their behaviour. Let the cretins know they can't continue to harrass and bully people to make a quick quid. Make the authorities aware of their behaviour. Collectively we will all help force the debt collecting industry stick to the law.

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Thanks so much to everyone who has replied. I will be writing to MIL tomorrow, using the letter 42man recommended. Hopefully this will be the end of it all. I will also put complaints in to the relevant people in the hope that these practices will be stopped! Thanks again guys. :)

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IMO I would have a ready supply of the SB letters to hand, as every DCA who is unfortunate to buy the lemon, they will ask you for payment.

Whilst it isn't an offence to ask a debtor for payment toward a debt, it IS an offence to continually harass the alleged debtor for payment when it is made clear the debt is SB.

As for DCA's selling it between themselves just to try to raise some revenue before they go to the wall, If you had made them aware that the debt was SB, and they then sell it on, then that is a breach of the OFT debt collection guidelines and they should be reported to the OFT at the very least for that!

The more of us who start questioning their immoral work practices, then the more likely they will get their knuckles rapped and lose their license':lol:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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