makenzie hall, cabot debt advice pls

[rufotron]

time line

02/03 student in notts cred card/ student bank account, ran away from it , debt problems so on and so forth

2002 approx credit card/ bank debt run up barclay card.....(different or seperate? accumilated debt as both barclays. will clear up later)

 

a few years later i accept the debt with a company called aktiv capital, paying it off however much per month,

 

about a year ago I get it all paid off aktiv, letter to confirm it

 

a letter from makenzie hall about an urgent matter ( my address)

a call to my old address, parents home

 

then a text ( my number) of similar and a missed call

 

both with a ref number ( put the ref number in their website and it says call them for a pin number and it seems clear not to call them)

 

now today a voice mail message

 

so I sent a letter from my address with my address, as suggested, i know of no debt so on so forth.....

a letter goes to my parents, " we have ref back to our clients we do not have the debt but will get back to you

a couple of days later a letter agin to parents address, its for barclay card 800 quid, bought from cabot. from notts address, traced me to my addrss( not my parents)

also stated they have included onbusman info ( not included)

so what is the next step?

were the credit and bank seperate even though both barclays, if accumulated then ive got the letter to prove ive paid aktiv if seperate aktiv is still paid and the other is over 6 years, statute barred?

ive never been contacted about this debt before if it is a different one

 

are they trying to baffle and confuse with the addresses? I mean if it want my parents I would never have got these letters

[NailPost]

Mhall are probably baffling themselves - it doesn't take a lot really.

 

If you want to sort it out write to Mhall, never, ever call them, and tell them to provide proof the debt is owed and see what they come up with. It probably won't be a great deal and if the matter is paid up and you still have the letter then its game over. Ask MHall for details of their complaints procedure. This will both save a stamp and show Mhall that you know your rights and they could be on the wrong end of an FOS investigation.

[rufotron]

Mhall are probably baffling themselves - it doesn't take a lot really.

 

If you want to sort it out write to Mhall, never, ever call them, and tell them to provide proof the debt is owed and see what they come up with. It probably won't be a great deal and if the matter is paid up and you still have the letter then its game over. Ask MHall for details of their complaints procedure. This will both save a stamp and show Mhall that you know your rights and they could be on the wrong end of an FOS investigation.

 

so, in short

 

get them to prove some specifics, amounts rates, interest etc?

 

if its the one ive never touched then a stat barred letter, if the one ive paid then the letter from aktiv?

 

any good stencils per chance?

[rufotron]

An update

 

3 years ago I got some help with an old credit card debt here

 

02/03 student ran up some credit card debt

 

a letter from makenzie hall about an urgent matter ( my address)

a call to my old address, parents

 

 

They proved to me what the debt was however it turned out to be statute barred and Mackenzie hall stopped bothering me.

 

Now 3 years later Cabot have been calling my parents house , who have denied my existence , Cabot have said they will be taken off the records however they have continued to call. Now today I've got a letter from them ( at my parents address, not mine) telling me to clear the debt. Obviously I'm not going to call them as it must still be statute barred right? However if I start some sort of process to sort this out I will not only be admitting that ie been in touch with my parents to get the info but equally I don't want them to get harassed either. Have Cabot just bought an even further statute barred debt off mak hall ?

 

Any help would be great

[renegadeimp]

Very much sounds like it. The debt buyers have been buying a ton of old debts lately. Dont write to them. Simply tell your parents to mark it return to sender, and if they try and telephone, get full and formal complaints going. You dont live there and there is no reason whatsoever for your parents to tell them where you have gone.

[rufotron]

So they make a full formal complaint to Cabot and simply return all post? Cheers . Easy

[renegadeimp]

Pretty much yup. Make sure the complaint clearly states "Formal complaint" at the top, and you include a note that states should they contact that address any more, then harassment proceedings will be started in the local county court and full complaints will be made to the OFT and FOS with a comment about their fitness to hold a credit licence.

 

If your parents play hardball from the start, these silly company will soon run back under their rock.

[rufotron]

There is one thing, I'm slightly concerned that in the correspondence they will be trying to arrange some sort of unpleasant visit that will go unseen. Obviously we can't return the first letter as it was opened thinking it was normal post

[renegadeimp]

Again, your parents need to play hardball. get that clause added where if ANYONE comes, they will be forcibly removed and the police will be called.

[rufotron]

Oh one last thing , will this be on my credit records? Shall we just get a complaint letter on the go straight away? Is there a template you can suggest ?

[renegadeimp]

Only the OC can add the debt. If they didnt and the new owner tries to, they could be in trouble. The new owner can only update the debt.

[rufotron]

I'm just having a look at the templates, which is the best for this in your opinion ?

[renegadeimp]

Templates arent really useful for a complaint. Your parents simply need to say that the person in question does not live at the address, nor do they know where you live nor do they have contact details.

 

Repeated attempts to communicate with the address or people living there will be considered harassment and they will not hesitate to take further action including legal. Should the DCA choose to send any representative to the house, they will be denied entry and will be removed using any means necessary and the police will be called.

 

Keep it short, simple and straight to the point. Don't play soft with them, tell them in no uncertain terms what will happen if they continue to harass.

[rufotron]

Ok thanks for all your help

[unclebulgaria67]

Just send the statute barred letter, amended to say that your parents have forwarded the letter on (give your new address) and point out that the statute barred status of the debt has already been advised, so they need to stop or you will report them to the OFT.

 

There is no harm giving your new address. They can't do anything unless you have made a payment within the last 6 years or sent a letter admitting to the debt.

[renegadeimp]

One thing to add, your parents must also make a full complaint with the OFT. They also need to log the date and times any contact is made from the DCA to them, no matter what format of communication it is.

[rufotron]

I'm rather tempted to hae them warned away from my parents address and if they really want to continue to persue me on s debt that's about 9 or 10 years old. I'm not going to afford them the luxury of giving them my information

[rufotron]

Also I've just payed 2 quid for a credit report. This debt is nowhere to be seen

[renegadeimp]

Make sure to check all 3 agencies just to be sure. DCA's will go after SB debts or bad debts until you tell them otherwise. However, i still think getting your parents to send in a Full and firm complaint will stop the contact. Unless you really want to give them your current info.

[rufotron]

Just a little up date, parents sent a letter to cabot with all of the above suggested info . They have written back saying they will investigate further cand upon their findings write again.

 

Thoughts?

[rufotron]

Does this letter constitute further harassment

[renegadeimp]

What info did they send? If its statute barred, chances are these muppets will simply sell the debt on.

[rufotron]

A letter saying they would investigate further and report back. It is sb.

[rufotron]

Sorry I should say he loan is statute barred but they are going to my parents whom I no loner lie with and they have nothing to do with the debt anyway

[renegadeimp]

Then you need to issue full and formal complaints with them AND the regulators.