MH questions...........

[michaelbear]

i have had a call from Mackenzie Hall asking for monies said owed to mothercare £1790. The debt was registered to my old address and i have not lived there since December 2005. i told them im sure dept was cleared before moved did a cedit search to get mortgage for where i live now and also original debt was under £1000. they said they had just recieved the debt last payment was paid in March 2006 and amount is with intrest. I have refused to deal on phone but still get at least 5 calls a day and can they actually take legal action so close to 6 years?

[MARTIN3030]

Thread started for you here.

[twofoot]

Leave the phone off the hook when you see it's MH calling, they'll soon get the message. Also send them the telephone harassment letter which is in the template library. There is little they can do except bully you.

[42man]

The alleged debt is statute barred as you have not made any payment towards it for 6 years (5 in Scotland) send this letter recorded delivery - once you state that you have no intention of paying towards a debt that is statute barred then they have to stop harrassing you - http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred You might also find this interesting too after Mackenzie Hall had a shot across the bows by the OFT - http://www.oft.gov.uk/news-and-updates/press/2009/44-09

[Bazooka Boo]

Muckyhall continually living up to their name and continually

[asm76]

i have had a call from Mackenzie Hall asking for monies said owed to mothercare £1790. The debt was registered to my old address and i have not lived there since December 2005. i told them im sure dept was cleared before moved did a cedit search to get mortgage for where i live now and also original debt was under £1000. they said they had just recieved the debt last payment was paid in March 2006 and amount is with intrest. I have refused to deal on phone but still get at least 5 calls a day and can they actually take legal action so close to 6 years?

 

Ok, if you didn't make a payment from when you moved out in 2005 and March 2006 then send them the Statute Barred letter.

If you did make payments between when you moved out in 2005 and March 2006, then send them the CCA request letter, which will keep them busy until it does go statute barred.

[Bazooka Boo]

CCA request letter isn't needed, the OP has no idea what this figment of their imagination relates to.

[asm76]

The OP clearly knows what this relates to. Fact is it's either SB or will go SB if the OP decides to tie them up with paperwork.

[michaelbear]

as i stated in original post i did an original credit check on myself back in 2005 for mortgage purpaces and cleared all debt showing including mothercare. the original debt was £1000. i have checked credit files for this debt and nothing shows and there is no ccj for this. so my concirn is as far as im aware debt was cleared in DECEMBER 2005 puzzled as to how payments made in MARCH 2006 when i made none and how a debt i am sure was cleared for £1000 in 2005 can appear almost 6 years later at a larger amount almost double. has in been known for companys to pass on settled debts ?

[panther12]

Dispute the debt and you could also enclose a copy of this

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/requirements.pdf

[Bazooka Boo]

Ignore or send them the Sb letter.

[michaelbear]

can someone answer a question if you agree to a payment 2 months before Statute Barred but then relise maybe Statute Barred and raise a query and ask for record of payments after agreement how do youstand. no payments have been made.

[Halibutt]

If you've agreed to a repayment plan and admitted liability for the debt before the limitation period is up, then as far as I'm aware, that re-sets the Statute Barred clock. Did you agree in writing?

Edited March 12, 2012 by Halibutt

[Happyhippy1959]

Ooooch,,,, I feel a bad vibe here.....

[Halibutt]

[michaelbear]

nothing was agreed in writting only by phone. is that bindable by law even if recorded?

[brokebutnotbeatn]

So you agreed verbally under duress after receiving numerous phone calls?...I would not pay anything towards an alleged debt that has not proven to be mine...