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Can a DCA run a search on your credit file?


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Got a copy of my Equifax file this morning and noticed a 'trace' search run by Mackenzie Hall (CNM LTD) on 12/03/07. Have never heard of them but assume they are a debt collection agency (have too much experience of them in the past to be fooled by this). I am not sure what this is for - I know I have definintely never given them any permission to do this and if it is for any previous debts, then they must be several years old. Had a lot of probs in the past but managed to repay the majority of them and have moved home a while since then. Am loath to get in touch with them in case it starts a lot of aggro - ie being chased consistently. As of yet, no other info from them appears on my credit file. If a debt has been sold from the company you originally signed the agreement with, then can a 3rd party (ie DCA) legally search your files without your permission?

 

Any advice please?

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Don't contact MH whatever you do, you'll probably find yourself in receipt of a little red postcard shortly, asking you to contact them urgently but not stating what about. Ignore it and them, they are a bunch of muppets, requested copy of CCA from them in January, they acknowledged receipt of request and said they would get their "client" to forward it. Nothing received, they have therefore defaulted, but still they send us letters offering a "one off reduced payment" (received this letter 4 times now). Noticed on my hubby's credit file they recorded a search on him and it was shortly after we received the postcard :)

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I am no longer welcome on CAG

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i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Thanks both. If I just ignore it, will they then record a default of some kind on my credit files? Or are they unlikely to go any further?

 

Concerning the CCA request, I have no actual correspondence from them (yet, anyhow) and don't really know what account/debt I am asking for (sorry to be a bit dim, I am very new). Don't even have a correspondence address for them.

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I am no longer welcome on CAG

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Thanks TomTerm. Just wondered if you are aware of whether they are known by any other names/aliases, in case they try to disguise their identity (as of course they do) when they write? I did actually get a card from someone known as Clarity recently but put it down to junk mail and shredded it :wink:

 

Now I am wondering if it was from them:???:

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I am no longer welcome on CAG

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I am no longer welcome on CAG

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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I am no longer welcome on CAG

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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The FSA register is (currently) for companies defined in the Financial Services & Markets Act 2000 (FSMA) which came into force on December 1, 2001. Debt collectors such as Mackenzie Hall do not come under the jurisdiction of this act but the Consumer Credit Act 1974 as amended. No surprise they are not registered here then.

 

Bear in mind that a complaint to the FOS is valid only if the intial event happened on or after April 6 this year. In Overcharged's case that would seem to be likely. So if they start messing around go after them.

 

Keep an eye on your credit files in case MHall add negative information to it. If they do and can't provide documentary evidence to stand it up insist they remove it. If they don't report them to the Information Commissioner and start a court action against them for damages.

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Is this a tactic by the DCA to get you to get in touch with them?

They know more people are getting their credit reports, and are they hoping to strike lucky, as once you get in touch with them you acknowledge the debt, and if its nearly 6 years, that time is wiped out, and it starts all over again from the date you make contact of any kind:eek:

I would ignore it, and not respond in any way, you say you have moved, so I would leave it.:)

 

saying that, I am interested in the advice Re: Can a DCA run a search on your credit file?:D

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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What information are they hoping to get from your credit file:confused:

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Your credit file has a list of address's linked to you. basically, when you inform a creditor/bank etc of your change of address when you move, they send a message to the reference agency of this change and it links your name at these two addresses. the list of previous addresses then builds as time goes on. It's why you have to enter previous addresses in credit agreements, to ensure they pick up the right person, and it help them to establish whether your application might be fraudulent

 

A DCA can use it to establish whether they can link an address they have now back to an address where they have you in the past.

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as once you get in touch with them you acknowledge the debt

 

Not quite so, contact is not an acknowledgement especially if you state at the beginning of all correspondence " I do not acknowledge any debt to your company"

 

On a different tack Mc Hall are chasing me but at my brothers address who has the same initals as me.

 

Just waiting for them to try and CCJ and charge order me at that address.

Should be fun. My brother knows about it and will let them take it to court if necessary before turning up with his birth certificate and asking what is happening.

Have returned a few envelopes marked as not at this address but they keep on sending them so they cant say they didnt know.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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