Connaught/1st Credit/Mackenzie Hall/LCS Solicitors/Meritforce/BCW Group

[whatatodo]

Hi hope someone can help me please

in brief

Many years ago approx 98/99ish i had a CC from RBS i defaulted on the payments and moved away years later 04 Connaught contacted me i started paying the debt at £30pm which i paid from may 04 - may 07 a few months prior to this i started receiving letters from Mackenzie Hall and Mertforce stupidly i rang mackenzie Hall and they were B******s i ended up in tears I asked them what had happenend to all the money that i had paid to Connaught (they were asking for a lot more than i owed) i did manage to say to them when they had found out about all the money i had paid and where it was i would consider paying them because of the letters from MHall and Meritforce i stopped my standing Order as i didnt know what to belive anymore.

I have periodically (couple in 08 couple in 09) received letters from them all and have ignored them i have recently moved apr this year and i am now being contacted again they have left criptic!!! messages on my phone and today BCW group sent me a text how do these people get your details??

1st credit were on my credit report but it came off at the end of last year so am i right to assume it was on there for 6yrs? anyway not sure if its back on have not looked well i assume not considering i got a mortgage this year!

I am sick of these letters and now calls personally i am not in a good place and do not want to live in dread

My question is what should my next step be or any advice from those more experienced than me on what i should do? who owns this debt who are all these companies?

 

Thank you

[harrassed senior]

OK, Hi and Welcome,

 

My suggestion would be to send BCW the 'prove it' letter. You need to watch these particular lot because they are know to sneak CCJs through when people change addresses.

 

I note that they have sent you a text, so I assume they want you to telephone them, so I would advise that most of us on this site say not to get into telephone conversations with them, as they lie and get your head in a right mess!! Wait until they write and send the above mentioned letter.

 

These companies play pass the parcel with out alleged debts, but many of them are connected, and in some cases are actually just the next desk along in the same office.

 

They are to be pitied and certainly not feared, you have taken the first step by coming onto this site, and the only way is 'up' from now on.

[PGH7447]

good advice above, but also send a letter to connaught (1st credit offsoot) and demand tht they explain what the hell is happening, more to the point where is all the money you have paid, then report them to the OFT for being complete idiots

[whatatodo]

The last letters that i got in 08 they were for the amount i beleived it to be not some random figure so like you say they are sat at adjacent desks then they have actually spoken to each other but i will wait until i get a letter from whoever but when you say the prove it letter is that to ask for the CCA? and is this original agreement i signed for the credit card? but who do i send it to the last one who writes or all of them?

 

How can they sneak a ccj in?

 

Many thanks it helps to know there are people who are helpful with these people and know the right way to go about sorting it out

 

Thank you

[PGH7447]

CCA goes to the one now chasing you, they try and get a ccj by using your last address and then all of a sudden they wite to you at your new address with a ccj, if they do this it is easy to get it set aside

[whatatodo]

Hi

 

I have not received anything in writing to date but they ring my house phone and mobile near enough daily is it best to keep ignoring it until i receive something in writing?

Any advice welcome please it does make me feel quite nervy and stalked really

Many thanks

[PGH7447]

send the phone harrassment letter or pick up the phone and say in writing and put it down again

[whatatodo]

Hi if anyone is out there who can help i now have 1st credit calling me again nothing has changed since my above postings in Sept 10.

Occasionally i have had a letter from one company or another and i will assume they are calling me as i have just transferred my cc's to zero interest ones

what should my next step be to send them the prove it letter or do i need to send anything else first and is the letter on the site somewhere

i need to put an end to this after nearly 14yrs!

Thank you for your help with this i just want to make sure i do it right

[BRIGADIER2JCS]

Hi lets go over a few points,

1. Does the debt show on your credit files?

2.When was the last pyment and or acknowledgment made.?

3. Did you ever get the CCA?

[whatatodo]

Hi

1. As far as I am aware no. It definetly was not on when I applied for a mortgage in 2010 couldnt of been in 2011 when I had a further advance and I have just changed CC and given me a high limit so I would assume I have a clean credit history!

2 The last payment was made I beleive in May 07

3 I never received a CCA- sorry forgive me that is the Credit Card Agreement?

 

It was on my credit file but came of at the end of 09 so it had been there for 6 years (is that right?)

 

Many thanks

[whatatodo]

Hi can anyone give me some next step advice please

thank you

[BRIGADIER2JCS]

You really need to get up to date credit reports asap.

Lat payment then 6 years no payment or acknowledgment

so may 2013.

All defaults are removed after 6 years paid or not.

 

If all you have said is definite then this statute barred.

[whatatodo]

So when you say statute barred is that from 2013? as in 6 years from the last payment? or because it was on my credit file for 6 years but came off in 09

 

many thanks its all so confusing especially when all these companies are interlinked one way or another

[BRIGADIER2JCS]

Statute Barred and defaults on credit files are

entirely seperate enities.

Statute Barred is 6 years from the date of rhe

last payment ever made, ( no payment or

acknowledgement in 6 clear year, 5 in Scotland).

All entries are removed from credit files paid or

not.

[whatatodo]

Hi 1st credit are now ringing me at home (i put the phone down on them as didnt know what to say!) and my mobile can i write to them with anything to put an end to this if so what letter do i send its getting silly 14years on im living in fear now and because the phone has rung 5 times in succession whilst writing this I am loathe to answer it could it be them using different numbers!?

Which letter should i send the one asking for proof of original agreement and do i have to send any money or anything with it how can i end this

Please help many thanks

[BRIGADIER2JCS]

Hi If you answer the phone do not answer any security

questions just state in writting only.

The is a template letter re telephone harassment in the CAG

Library, send RD to their Compliance Manager.

[whatatodo]

Hi Thank you Brigadier2jcs for all your help so far should i also send them the letter which asks for the original agreement? (as i must get a letter every 5 days or so)

 

Many thanks

[BRIGADIER2JCS]

The CCA rquest lettter is in the library to needs a £1 .00 POSTAL ORDER

for the statutory fee.