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    • Okay so potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
    • Currently - "the maximum daily price at 100p / kWh for electricity and 30p / kWh for gas – keep in mind that's a lot higher than the Ofgem Energy Price Cap, so if you can't afford prices to increase further, you're probably better off sticking with a protected tariff such as Flexible Octopus." Octopus Tracker is a product of our labs, available now to customers through our beta programme. Octopus Tracker is a beta product. Some things may not work the first time, and installations and processes may take longer than we'd like. Third party tech like In-home Displays won't always work, and on occasion data issues with smart meters can take significant time to fix or prevent things from working at all.   Copied straight from octopus   Feel free to shove it somewhere else    
    • depends what the fees are, typically nothing can be added once judgement is passed bar litigation costs. on document retention time limits etc at least 6yrs previous must be held though many hold complete info. as for acronyms and abbreviations ideally yes they should     
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Mackenzie Hall and someone using my telephone number


unlucky67
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I bought this house 12 years ago.

 

I don't have contact details for previous owner.

 

After we moved in we did get a few letters from different companies

- I suspect they were debts but sent them back no longer at this address...

 

After a year or so we started getting frequent calls (one or two a week) for previous owner

and pretty sure something in the post too from Mackenzie Hall.

 

I told them she didn't live here anymore and in the end sent them an email too and asking them to stop harassing me ...

 

Silence for years.

 

Until last week I got a message on my answer phone for previous owner from Mackenzie Hall

- phoned them and told them the above..

.they said they would take me off their list .

..great -

could I confirm my address .

..as I start telling them they said ah that isn't the address we have...we will take you off.

 

Now I'm wondering if previous owner has used this phone number more recently on some credit arrangement?..

..and do I need to be worried about that?

 

Planning on moving soon and taking this number with me .

..but not keen if it is linked to something dodgy...

 

Any thoughts ....

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how long have you had the number?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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how long have you had the number?

 

dx

 

It was the number when we moved it - and the name of person they were trying to contact is the previous owner... So it is 12 years...

Edited by unlucky67
should have also said...
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sorry they've moved away 12yrs ago.

 

what muppets!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

My worry is that the previous owner has used this telephone number when obtaining credit more recently - as MH now have a different address linked to this phone number but before (say 8 years ago) I'm pretty sure MH posted something to this address .. (Suspect previous owner left quite a few debts...and might be a bit dodgy)

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at the end of the day

 

nothing to do with you

 

theres nowt anyone or anything can do to you.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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