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Mackenzie Hall & a Stat Barred Debt


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Received a letter from Mac Hall regarding a very old credit card, which in all honesty I had forgotten about.

 

The letter states that I owe them £1484.82p :???:

 

They had the decency to put the original creditor on, which was Associates, so that jogged my memory to a card I had had about 9 years ago with a limit of £200 :-x

 

I decided to text them for a ring back and point out a few things, and the first thing out of the mans mouth was, and I quote :

 

"I really do not agree with all the charges that get added onto some debts. I can get this balance down to a reasonable amount for you".

 

I let him prattle on for a while (he had rung my mobile, with a spare £1 sim card in it) and then pointed out that although he had managed to get the outstanding balance down to £742, I would be declining his generous offer as the debt was now Stat Barred.

 

The poor little man suddenly turned from Mr Nice Guy to Mr Evil Guy. He started shouting down the phone that because I hadn't informed the OC of every house move and new telephone number I had had that the debt was not stat barred, and it would only become stat barred 6 years after the day I had acknowledged the letter.

 

I know that some mothers do have em, but why do they always end up on the other end of the phone to me????????:lol:

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

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The CSA were on about creating diploma courses in debt collection a while back, it's a bit much when you can get a certificate to prove your an idiot.

Anthrax alert at debt collectors caused by box of doughnuts

 

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It is no wonder they were not very profitable and the US private equity owners sold them last year.

 

Trying to make a living out of unenforceable debts must be a fruitless task.

 

Next time that they try this on, about not informing of changes of address, ask them which part of the limmitations act are they referring to. What the guy was saying, sounds like something he has been trained to say from a script. If this is the case, I think the OFT, should be looking into the compliance standards of the scripts they are using.

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Hi CERB,

Most of them couldn't pass the induction let alon the whole course!!:wink:

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