Mackenzie hall, Arrow Global & Fairmile Partnership

[sazzy_spike]

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?

[Bazooka Boo]

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.

[dx100uk]

gold rule of DCA's

 

NEVER EVER converse on the phone

 

they are NOT bailiffs

 

and have no such legal powers.

 

dx

[BRIGADIER2JCS]

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?

[citizenB]

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.

[sazzy_spike]

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?

[citizenB]

You can send them the "prove it" letter from the library..

 

 

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

[dx100uk]

get his credit file

 

dx

[sazzy_spike]

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

 

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

[dx100uk]

Sri spike yes

 

see below

 

noddle is free

 

dx

[citizenB]

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

[sazzy_spike]

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

[Bazooka Boo]

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.

[BRIGADIER2JCS]

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

[sazzy_spike]

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?!

[dx100uk]

IMHO ignore them

 

dx

[BRIGADIER2JCS]

Agreed wait for a fuller explanation.