Sent my CCA letter to MH, and as expected nothing from them not even an aknowledgement to my CCA request. What MH have done though is used the 1.00 Postal Order for my CCA request to reduce the balance of the the alleged balance owed, before passing the account onto Meritforce whilst the account is in dispute. What now, I have paid them 1.00 for my CCA request and they use it to knock a pound of the balance. Has this happened to anyone else. Switch

Here is a section taken from a letter that I sent them, I would suggest that if time is of the essence for you it may be worth faxing them rather than using snail mail. 'Furthermore, please note that I am only prepared to communicate with you in writing. Should it be your intention as you have warned to arrange a “doorstep call”, please remember that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Please therefore take note that, I revoke license under English Common Law for you, or your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone from a doorstop collection service company to visit me and should it be necessary, I will seek an injunction.' Hope this helps Switch

Thanks Nailpost thats seems like a good way forward, letters going in the post today. As MH have not complied with the CCA hopefully I can now get the default removed that they have had put on with the Credit Reference Agencies. I disagreed with them on the default from the outset as I could not see how I could have 2 defaults for the same account, one with Lloyds TSB and the other with MH when Lloyds TSB passed it over to them.

Would appreciate it if you could you direct me to where you found on the internet that Meritforce were bought out by Mackenzie Hall. I have looked but no joy in finding that information. This information would maybe help support my claim against MH's CCA non compliance in Court, and hopefully demonstrate the underhand tricks that these DCA's play. Mackenzie Hall went very quiet on me when I sent them a CCA, I heard no more from MH but started to hear from Meritforce instead. Thanks Switch

The time limit for MH has expired, strange thing is that as soon as I sent the CCA letter I heard no more from MH but instead Meritforce. So I figure MH did not want to get involved with my request and very promptly passed it on to Meritforce. As you suggest, I will write to Meritforce telling them that the account is in dispute with MH and will write a further letter advising MH that they have breached my CCA request, and see what comes out of that.

**BUMP** Guidance on who to pursue with this one would be appreciated.

Sent a CCA letter to Mackenzie Hall regarding a Lloyds TSB account they are chasing the outstanding balance me for. Mackenzie Hall has not complied with my CCA request but has instead passed the account onto a company going by the name of Meritforce. Now the question is should Mackenzie Hall still provide the information requested under my CCA letter or should the obligations automatically pass onto Meritforce, which would immediately place Meritforce in default . I don’t see why I should have to re-apply to Meritforce and wait another 12 working days and calendar month when I have already made the request to Mackenzie Hall for the same account. I’m sure I have read somewhere that Mackenzie Hall and Meritforce are actually the same company trading under different names, but I may be wrong on this, so is this possibly a little tactic that they are using. Annoying as the outstanding balance is less than the charges applied and also annoying is that both Lloyds TSB and Mackenzie Hall (1STCREDIT) have both registered a default, so I now have 2 registered defaults for the same account.

Thanks file wizzard, now just have to hope the 150 Court fee is worth it.

I am wanting to file a Particulars of Claim which has no monetary value. I am seeking an Order to have all reference to AK and a default from AK removed from the CRA's. AK have exceeded the time to supply me with the information requested in my CCA letter so I also want a stop put to them hounding me whilst they are in breach of the CCA. If anyone has done this did you use th N1 or the N244. Thanks Switch

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Thanks for that link Bong, its got to be worth a go at getting that CCJ removed.

Thanks for the advice Bong, do you know if paulwlton run a thread on his CCJ being set aside, i've done a search but to no avail. Would love to to get that CCJ set aside, I figure if the Particulars of Claim is in regard to charges as well as the CCJ issue there is a good chance HSBC wont turn up to court which subsequently would hopefully be my opportunity of getting the CCJ set aside.

Tow Rags have done it again, monthly payment has been made, Court Order bang up todate and they have applied for a warrant to remove goods due for non payment. If going by the last 2 months HSBC will next inform the Court that payment has been made and i'm subsequently left with the County Court Baliff chasing me for 37 odd pound for the Court fees. Not this time, i'm applying to have the Warrant of execution set aside and try and get HSBC into Court to put HSBC to strict proof to show the Court which payment they seem to think was missed. Maybe I can get the issue of charges brought up as the original amount in the Court Order included charges.

I have a CCJ with HSBC which has been running since 2005. The Court Order is bang up to date and the payment is made every month on the dot without fail. The last 2 months HSBC have applied for a warrant to have goods removed on the basis that the monthly payment has not been made (It has I have my bank statements to prove the Standing Order was paid) then they inform the court that payment has been made and i'm left with the 37 odd pound court fee and subsequently have the County Court baliff chasing me for his court fees. Are they just that disorganised or are they playing silly games (I think the latter) to make things a little awkard for me. The Court Order will be paid in full later this year so why start this now.

Don't hold your breath for the information you requested mrrj, I requested mine from Aktiv Kapital in August 2006, and to this day I am still waiting even though they acknowledged my initial request 2 days after me writing to them and again in October 2006 both times saying that I will have the information within 30 days.

With all my correspondence to the DCA's I have used a different signature, its not too unlike my real one but there are little differences that i will be able to spot.

I received this email today from a friend, please see below. Dear All, If you receive a phone call on your mobile from any person, saying that, he or she is a company engineer, or telling you that they're checking your mobile line, and you have to press #90 or #09 or any other number. End this call immediately without pressing any numbers. There is a fraud company using a device that once you press #90 or #09 they can access your "SIM" card and make calls at your expense. Forward this message to as many colleagues, relatives and friends as you can, to stop it. Many thanks for your time regarding this matter, take care and regards. Phil Corris Police Constable/Crime Prevention Officer

I have a basic account with the Abbey, which gives me a cash card and full internet facilities, but i have found that cheques can sometimes take upto 11 days to clear. I did question Abbey on why it took so long to clear a cheque, I was told that it takes longer for basic account, but she could not tell me why. This I think is Abbeys way of making a little bit of money from Basic account holders. I have just opened a Natwest Step account and although I am unable to really comment on the account just yet as opened only last week, I did get a Solo card which is something you won't get with the Abbey.

I would go down the CCA route, there is a letter in the templates section specifically for this purpose. With Ak stick to your timetable and NOT theres.

I have todate only had dealings with AK, however, now that I have filed a claim in Court against AK things may change so I may well find myself dealing with AK's solicitors in the not to distant future.

Particulars of Claim filed with Court. But lets continue to fine tune this so that we can get it into the templates section of this forum for others to use for the likes of Aktiv kapital.

LBA = Letter Before Action Well done Blanchie14c.

Thanks Elsinore, Well spotted, changes made.