Mackenziehall

[EllyPS]

I have received a letter from mackenzie hall on behalf of Cabot Financial (Europe) Ltd, as I have an old debt that has obviously been taken over by Cabot. They want me to agree to pay £50 per month but I haven't got that much spare each month. They say if I don't they will arrange a DOORSET ASSESSMENT. I am paying £20 per month now as that is all I can afford. This debt is going back to 2005 when I moved abroad and forgot about it. What should I do?

[tindwcel]

Stop paying them.

 

Either ignore MH, or ask them to prove that you owe the sum ( CCA them where applicable ). It seems to be a rule of thumb that anything MH get hold of will be unenforceable.

 

Don't worry about a doorstep visit. It is very unlikely, and if it does happen you can just tell them to get lost.

[EllyPS]

Thanks for that - really helps. By the way what does CCA them mean?

[postggj]

Tell Me About This Debt

 

Is It A Credit Card

Loan

How Long Have You Been Paying It

 

When Did You Take Out The Agreement

[EllyPS]

Hi

 

I'm not 100% sure, the original creditor is Creation, which I think was a store card provider for Adams Childrens wear, and I think I may have taken out the card in late 1997 or early 1998.

 

The problem is that I moved abroad in late 2004 and stopped paying it - not purposefully but I think over time I forgot about it and because I wasn't receiving any letters regarding this debt from my previous address in the UK, I didn't make any payments to this account since I left.

[postggj]

That Long Ago

 

I Very Much Doubt They Will Be Able To Get Hold Of The Agreement

 

Ill Post Up A Cca Request For You To Send These Cretins

[maroondevo52]

Hi,

 

I'm going to move this thread to the Debt Collectors Forum.

 

Regards.

 

Scott.

[postggj]

Please ammend paragragh 1 to suit. ie s77 Fixed sum credit such as loans, s78 Running account credit such as credit cards & catalogues and s79 Hire agreements.

 

 

Your Address

 

Date

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to S.78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

print your name

[postggj]

Send To Muck Hall By Recorded Delievery

[mr.ton]

Send them a picture of a doorstep like this & tell them they are welcome to assess it whenever they want....

 

[postggj]

Now Now Mrton

 

I Think Muck Hall Have Collected Enough Door Steps By Now

[EllyPS]

Thank you so much for that advice and the letter template. Fantastic!

[postggj]

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