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I hope someone can help me, I have been contacted by Cabot about a debt in 2010, I did not know about this and requested prove (I sent the request letter and a pound postal order) this was sent back saying they did not have to supply this information, I then sent the debt barres letter as it seems this is at least 7 or so years ago, they again sent this back saying it was not.

 

I also told them that debts had been associated with my name but were not mine.

 

so I sent them an account in disbute letter they again did not accept this, so I decided to ignore them.

 

Just before Xmas a letter from mackenziehall arrived saying the debt has been passed to them, I sent them a letter explaining all that had passed with Cabot, today they have sent me a letter saying my complaint is not upheld so pay ( wrong address as well on the letter).

 

Should I now send the same letters to them asking for the same info?

 

:-x:-x:-x

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Is this debt on your credit record ? You need to check.

 

What type is this ? e.g. credit card

 

Is this your debt or not ?


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OK send the following letter to the Compliance Manager at Mackenzie Hall by recorded deilvery.

 

Ref: as on their letter.

 

Sir,

 

Formal Complaint.

 

I refer to your letter dated xx xx xxxx in which you allege that I owe a debt for £xxx.xx as I have already explained I have no knowlege of or liability for any such alleged debt as you are n doubt aware this alleged debt was in the hands of Cabot Financial who failed to prove any liability.

 

I have researched my credit history and have concluded that any such debt is STATUTE BARRED therefore I will not make any payment or offer of payment.

 

I have been made aware of the OFT Guidance on Debt Collection 2003 updated November 2012 and the sections regarding the pursuit of statute barred debt, also I am aware that the onus of proof that the alleged debt is not statute barred is entirely on Mackenzie Hall , it is not for me to prove the status of the alleged debt.

 

Such proof MUST BE UNEQUIVOCAL and detailed in writting, you have 7 days to respond to this letter after which I will consider the matter closed.

 

This is my final response.

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Thank you very much indeed, the letter will be sent recorded on Monday.

 

Once again thank you.

 

Anons

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Make sure you are getting a complaint into the OFT as well, as they are breaching OFT guidelines on debt collection.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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