Hi ODC. Weird really as no number came up on the text. It was just MH with no number attached. Not sure if i could reply to MH Darnt try it !

Excellent CB ! Many thanks as always x

Hi Hell !!! Yeh, did think about the postal strike. Maybe i am being a bit to pushy Good advice in giving untill the end of the wk. Thanks.

Eh up CB ! Hope u ok ! Above letter is really great and thanks for the help Just a small question though - Can i still use this letter even though the last DCA sent a letter saying they have passed it back to OC. Thanks.

Ok ! Sent above letter on 26th Sept giving them 14 days to reply to me accepting my request for payment. Received a letter dated 28th Sept stating they would be investigating my complaint and that this would take 7- 10 working days. Also i should have a response within this time. It's now 12 working days today from the day after 28th sept. Am i being to keen here do you think ? should i give a little more time ? I expect they sre trying to find a loop hole somewhere to get out of it

Hi all x Looks like round 4 is on i'ts way Have had alot of " UNKNOWN NUMBER" calls on my mobile over the last couple of days. Of course i hav'nt answered coz i know it's to with this thread Anyway today i get a text message- This is a message for Miss Dobbydog. Please contact Mark at Mackenzie Hall on 01563554793 quoting ref ****** Thankyou. Yeh ! course i will Mark "NOT" Started a new thread on this Text Message From Mackenzie Hall !!!

Hi all Iv'e had quite a few calls on my mobile over the last few days from "UNKNOWN NUMBER" I havn't answered as i was sure it was a DCA ! Proberbly something to do with my other thread. Anyway, today i get a text message, This is a message for Miss Dobbydog. Please contact Mark at Mackenzie Hall on 01563554793 quoting ref ******** Thankyou. Errrm !!!! now let me see ! Not a chance Oh well !!! I'll expect something will drop through the post soon. I'm thinking this is a debt passed onto them from Robinson Way after i CCAd them and they could'nt produce. I'll be reading Mackenzie Hall threads to see whats in store. x

I too got the same e-mail today wouldn't touch them with a bargepole !! knowing what i know now. Preying on the vulnerable. Should be ashamed of themselves and 183.2%

BEAT YOU BO !!! DOBBYDOG 3 DCAs 0

Hi there BB Hope you are well ! I'm going to take some time to read through your thread( again proberbly ) but judging by what you say it's not looking good Oh well, time to educate myself some more x Hows it going with you ?

Okey dokey !! I've heard from robberscums. Dear Miss DOBBYDOG, We refer to the above account and acknowledge your recent communication. Having now reveiwed your comments, we can advise you that your account has been returned to our client ( 1st credit ) and will no longer be managed by our office. All future payments and correspondence must therefore be sent to our client, directly. Well, well, well ! I didnt think they'd give up that easily So i guess it's DOBBYDOG -3 DCAs - 0 Ready and waiting for what comes next. Still scared though

Hi there Just about to put my prelim into the rbos. A bit late i know, but what the hell i'm going for it anyway You never know !! Am claiming around £1500 in charges. Now then, i've included all the bits of interest they have charged. They range from 35p - £10. I'm not sure if i should be including this or not ( around £120 ) Iv'e had various amounts of authorised overdrafts ( of which i have gone over the limit many times ) over the last 6 years so difficult to work out what interest i should be claiming Anyway do you think it's worth it or should i just stick to the charges ? Many thanks in advance. x

Oooow !!! interesting. I've not heard a dickybird as yet but, i'm sure it's on it's way

Send them this letter first thing tomorrow. Special delivery and do not sign it !!! This is the advice that was given to me and it really works. Good luck ! I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY With reference to the above account, I request that you send me a true copy of this credit agreement before I will correspond further on this matter. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of the credit agreement on request. Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act and MUST NOT BE TAKEN AS PART PAYMENT FOR THE ALLEGED DEBT. I understand that a copy of the credit agreement should be supplied within 12 working days from the date of this letter. I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. Also, since you are a Debt Collection Agency, I would also ask that you supply a signed true copy of the executed deed of assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974. For the sake of clarity, may I also draw your attention to the following: Consumer Credit Act 1974 s.175 Where under this Act a person is deemed to receive a notice or payment as agent of the creditor or owner under the regulated agreement, he shall be deemed to be under a contractual duty to the creditor or owner to transmit the notice, or remit the payment, to him forthwith. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER: 1. True copy of original credit agreement 2. Statement of account 3. Copy of the executed deed of assignment from (original creditor) and (DCA) 4. A fair processing notice. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. Further to the above, please ensure that any contact by yourselves is made in writing only to the above address. Telephone calls and personal visits will not be accepted and viewed as harassment. I look forward to hearing from you within the statutory time limit. Yours faithfully

Hi there. Take a look through my thread Connought, 1st Credit, Citifinancial They also sent one of these to me. I was at my wits end but then found this great site after putting statutory demand in Google. You are not alone and there are great people here who will help you out. Firstly i would send a CCA to whoever has sent the damand to you. A copy of this letter can be found in the templates section. I'll try to put a copy of mine up for you. Take some time to look through the threads. It really helps and i'm sure someone else will be along soon with advise

Thanks alot ! Do you think i should send stat barred letter or just leave it ? Thanks in advance.

Get you now. I'LL do that. Thanks

Delete what dannyboy ??? am i missing something here ?

Thanks alot Robert Yeh i thought that paragraph was a bit naff too:D Especially when i did'nt understand it myself ( bit thick like that) Anyway thanks again x

Hi guys. This letter has been received and was wondering what you make of it. Thanks. Ok, have ammended details. Doh !!! what an idiot. Dannyboy, do you think i should send stat barred letter or just leave it ? Thanks in advance

Hi Hell. Was wondering what you think of the letter i'm going to send. I've pinched a bit from you hope you dont mind. Many thanks. Dear sir/madam xxxx and xxxxxx have been acting as mortgage intermediary for me since the year 2003 under my right to buy. A successful mortgage was completed with xxxxxxxxx on 12th August 2004. Looking back through documents I have in my possession, it appears that the sum of £1200 was taken from my advanced monies by xxxx and xxxxxx for Mortgage Payment Protection Insurance (MPPI). I have been unaware that this MPPI ever existed due to the fact that at no time have any documents ever been issued to me. After applying for a Subject Access Request (SAR) from xxxx and xxxxxx and which I received on Thursday 20th September 2007, it appears that a MPPI application was conducted via the internet by xxxx and xxxxxx on 20th August 2004 and a MPPI certificate starting from the same date is included. These documents have not been brought to my attention until my SAR. As you can see from various highlighted documents, of which I have enclosed copies, MPPI was clearly declined by me. If I may draw your attention to the “Mortgage Illustration” prepared on 28th June 2004 it clearly states MPPI declined. Additionally, may I draw your attention to the “fees and features during mortgage”, MPPI is again clearly declined. In spite of this there has been £1200 taken from my advanced monies, (see the document dated 29th June 2004.) When xxxx and xxxxxx acted as my Mortgage intermediary, I was not offered a full and detailed explanation of MPPI. No attempt was made to ascertain if the product was fit for purpose, suitable for my needs or if indeed I needed it at all. Additionally, no enquiry was made as to whether I had pre-existing insurance for accident, illness or unemployment and to reiterate again, was not provided with any insurance documents. I believe that all of the said mentioned is a requirement by you when selling MPPI. I can only assume that none of the above was conducted because I had clearly declined MPPI. I believe that it is xxxx and xxxxxx policy to provide a quality client focused service. I also understand that under the Mortgage code, to which xxxx and xxxxxx subscribe, minimum standards are set of which good lending and advisory practises are to be followed. I believe that you have manifestly failed within the minimum standards. Additionally, I believe that your company have failed in the duty of disclosure as I understand that insurance contracts are of the utmost good faith which imposes on you a “duty of disclosure” of all material facts because one party is in a strong position to know the truth. I am frankly shocked that xxxx and xxxxxx have operated in this way as I had always reposed confidence in your integrity and expertise. Your failure to disclose is misrepresentation at common law. I believe that this act has prevented me from asserting my rights until now. I also believe that there are strong grounds for action against xxxx and xxxxxx under common law and consumer regulations. I require that the monies of £1200 be refunded to me in full together with interest equal to the APR used by xxxx and xxxxxx or the relevant Insurance Company at that time. I hope that you will enter into a sincere dialogue with me about this matter. I will give you 14 days from receipt of this letter to reply to me accepting, unconditionally my request in principle of a full refund of £1200 plus interest and letting me know a date by which I will receive payment. I hope to get a positive response from you. However if you do not respond or respond positively I shall have no alternative but to pursue this matter through the Financial Ombudsman. Yours Sincerely,

Arrh !! may change it back then Def on the up but long way to go x

Petrified !!! Yep thats what i was when i received a stat demand from connought You are in the right place. Have a read through my thread Connought, 1st Credit, Citifinancial Follow the instuctions that were advised to me. It really works. It will help you get started. I know how you are feeling but you will get through this Good luck x

Oh, i am going to be asking for interest on this but hav'nt got a clue how much. I can;t find anywhere in the docs anything about interest. Thanks. Hell, have tipped your scales

Thanks Hell, it gives me the confidence to go ahead just coming on here !!! I'll now have a look through the templates to see if anything suitable which i can tweek. Many thanks again