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Mackenzie hall, Arrow Global & Fairmile Partnership

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Hi all,

 

New to the forum as I found you when trying to research the company who have contacted my partner for a £3000 debt he apparently owes.

 

The letter is from Mackenzie Hall on behalf of their pursuers Arrow Global Limited and the original creditor Fairmile Partnership 1 LLP.

 

The letter is dated 4th December 2012,

however we only received it on Sat 8th December 2012.

 

There is a "Payment Deadline: Noon, 11th December 2012".

 

Quite a scary letter when you first read it,

luckily over the 3 years me and my partner have been together I've become quite apt at dealing with these situations

(he wasn't a good boy before we meet, but tigers can and have changed their stripes).

 

This one has worried me a bit due to its aggressive and completely un-realistic deadline.

 

Also the fact that while my partner has admitting responsibility for some of the past debts

and I managed to get the amounts reduced or completely written off,

if has absolutely no knowledge of owing £3000 to anyone for anything.

 

I did ring them on his behalf just to state that due to his working hours he is unable to contact them within the required timeframe.

 

The operator has said that she will post an enquiry on the account but she is unable to confirm anything with me as I don't yet have authority to speak with them.

 

I asked if the enquiry will hold the account,

but she cannot say only that "we shouldn't worry about the deadline".

 

I hate it when people say that as in my experience it means we really should worry about it.

I asked how long an enquiry will take and it usually takes a few weeks.

 

Can anyone offer any insight into who these 3 companies named are

and what the debt might be related to?

 

Also any advice on how to proceed with them?

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Firstly stay OFF the phone.

 

Get his credit files and see what is on there.

 

If these clowns have it, then it will either be SB or full of fees and charges which can be reclaimed.

 

If they ring in future then just laugh and hang up.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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gold rule of DCA's

 

NEVER EVER converse on the phone

 

they are NOT bailiffs

 

and have no such legal powers.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi welcome to CAG

 

As said already keep away from the phone!!

 

Dead lines are nosense and have no legal basis in this situation.

 

Does your partner recognise the debt, what is it for?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Have you kept the envelope that this letter came in? It is almost certainly a 2nd class mail carrier.. which would further erode any time limits. It is there way of obtaining a knee jerk reaction.. the victim telephoning. You should start to keep the envelopes as well as the letters from these people.


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

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2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi all. Thanks for the replies.

 

From now on we will stay off the phone.

 

As for the debt my partner has no knowledge of any of the three companies or the £3000 supposedly owed.

 

Yes I have then envelope and it is standard 2nd class. I will be keeping these with the letters.

 

Is it worth writing to the company to dispute the claim?

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Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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get his credit file

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok being new to all this here.....

 

When you say "credit file" do you mean something like an expedia credit check?

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Sri spike yes

 

see below

 

noddle is free

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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If this debt is your partner's and it is being reported to the CRAs then at least that gives you an idea.

 

If it isnt on the file chances are it..

 

a - isnt your partner's debt

b it has dropped off eg.. more than 6 years old and very likely statute barred :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I can find no record of any company claiming an outstanding balance of £3000 on his noodle credit record.

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Try the £2 option with Experian, Noddle is good, but not that accurate, In the meantime, DO NOT engage these clowns, send NO letters, NO phone calls, NOTHING.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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There would appear to be a number of Fairmile Partnerships 1, 2, 3, 4, at least, loans,properties even horse racing.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok we now have the Expedia credit report and it's the same as Noodle. No £3000 debt and no company matching the 3 that are asking for £3000.

 

So should I just continue to ignore them or should I write and tell them to trot on?!

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IMHO ignore them

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Agreed wait for a fuller explanation.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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