not very long about 2 months maximum

i posted on hear earlier but seems to of been removed can anyone explain why?

today have had 2 calls and verbal disagreement with CRS. emails and call saying may take legal action when i say go ahead and send letter of confirmation i get told letters sent and they have not mentioned court or judge. well all i can say is there are some pretty big pigs flying about. i have now complained to FSA. OFT and FO who say they will be contacting them. i await there reply expecialy since CRS said to me they are not regulated by any of these in a recent phone call. They have a licence number that sugests differently.

thanks slick

thats exactly what i was saying earlier no letter in the post. and as for the payslip request what planet are they on. even if they were entitled do they think im giving them a payslip with confidential information on like bank account money goes in and company address dream on

have any other people had experiance with this company and what was there outcome. have they been operating long or this a new company to add to the list of DCA's DESPERATE CLOWNS ASSOSIATION

thanks for that 1 final question in regards to letters the person i spoke to said letters had been sent and he can prove because they track them i said he can say what he likes but i have not recieved. he said i need to take that up with royal mail. now as far as i am aware the only way a letter can be 100% tracked by anyone is by recorded delivery which requires a signiture or by tracking device that im not sure is legal. i know 100% no posted leters recieved but if went to court how do i prove this. do they have to prove i recieved or do i have to prove i have not ?

i acept the point on phone calls and 99% of the time exactly what i do. but what about my point on emails and if they put in writting and BIG IF do they have any right to ask for pay slips?

Got a telephone call from this company tonight from a Jonathan Scott. Told him did not want to entertain on phone or via email. was told had been contacted by letter and that email is a legitamate way of contact in eyes of law. i said i had no letter and he then proceeded to say dates that coinside with emails that have letter attachments. i told him he would get no more than a pound a month to which he replied that would be fine but only once in reciept of income expenditure and proof of earning in the form of a wage slip. oh and by the way when i said i did not want them calling again or i would report to regulators he said they were regulated by no one. so i asked are they DCA or not and the reply was yes. i would normaly ignore phone calls but he was quite intimidating towards my farther who is quit ill and answered call. my question are 1. are emails legitimate form of contact 2. how do i prove not recieving letters through post (my word against theres) 3. why do they need wage slip? income expenditure done for me by national debtline and been acepted in a court of law to amend my mortgage payments. 4. and are they regulated or not?

can someone give us some advice here as i will not ring them as i know by reading other threads on the site that you will only get some idiot on the end of the phone trying to bully you into things that are totaly illegal. but i also treat emails with the same level of contempt. am i right to do this or should i be acknoledging these emails?

Letter ive recieved tonight via email noticed in my spam folder. If this is official why not send by post and in my oppinion a bit Stupid to send by email because its just going to be deleated in spam folder. any opinions and sujestions would be welcome thanks 29th Dear Creditor: Lending Stream Our Reference: Client Reference: 344935 Balance: £764.00 Unique Payment Number: FINAL NOTICE You need to call us now on 01422 324525 You have failed to respond to our previous requestsfor payment. Our client has confirmed that unless payment of the balance in full is received within 14 days from the date of this letter further action will be taken against you. If you wish to avoid this course of action you must contact this office upon receipt of this letter on: 01422324525 Payment methods are located on thereverse of this letter. Or to pay online visit https://paymentsplace.com/crs1-LSS000006131 alternatively call our 24 hour payment line on 0844 559 0500 Yours sincerely, Bernard Lee Bernard Lee CRS Litigation Department Question where do i stand legaly as i am unsure. how do they know i am recieving these as i may of canged my email address and secondly how many people check their spam

Reference: Dear This e-mail gives you notice of potential action and an imminent pre litigation assessment, subject to our client agreement, legal action may be taken against you. Please call today on 01422315237. Bernard Lee Debt Review Department Office hours: Monday – Thursday 8.00am – 8.00pm, Friday 8.00am - 6.30pm, Saturday 9.30am - 12.30pm Tel: 01422315237 recieved Monday 01/10/12 by email. do i regard as a official letter of not as a email. i have not recieved anything in writting from this company could someone please advice thank you

Letter ive recieved tonight via email noticed in my spam folder. If this is official why not send by post and in my oppinion a bit Stupid to send by email because its just going to be deleated in spam folder. any opinions and sujestions would be welcome thanks 29th Dear Creditor: Lending Stream Our Reference: Client Reference: 344935 Balance: £764.00 Unique Payment Number: FINAL NOTICE You need to call us now on 01422 324525 You have failed to respond to our previous requestsfor payment. Our client has confirmed that unless payment of the balancein full is received within 14 days from the date of this letter further action will be taken againstyou. If you wish to avoid this course of action you must contact this officeupon receipt of this letter on: 01422324525 Payment methods are located on thereverse of this letter. Or to pay online visit https://paymentsplace.com/crs1-LSS000006131 alternatively call our 24 hour payment line on 0844 559 0500 Yours sincerely, Bernard Lee Bernard Lee CRS Litigation Department

Reference: Dear This e-mail gives you notice of potential action and an imminent pre litigation assessment, subject to our client agreement, legal action may be taken against you. Please call today on 01422315237. Bernard Lee Debt Review Department Office hours: Monday – Thursday 8.00am – 8.00pm, Friday 8.00am - 6.30pm, Saturday 9.30am - 12.30pm Tel: 01422315237 recieved today by email. do i regard as a official letter of not as a email. i have not recieved anything in writting from this company could someone please advice thank you

nothing was agreed in writting only by phone. is that bindable by law even if recorded?

can someone answer a question if you agree to a payment 2 months before Statute Barred but then relise maybe Statute Barred and raise a query and ask for record of payments after agreement how do youstand. no payments have been made.

forgot to mention have also recieved letter from equidebt that this account is being considered for further action

Hi all i have posted on here in regards to MT collect and Mackenzie Hall but also have a debt that has been passed to Equidebt. Brief desciption got a couple of payday loans back in September 2011 one with payday UK the other with Capital finance one. Lost my job in October and was unable to make payments rang both companies explaining cicumstances both said would be in contact but next i heard was from DCA's MT collect have been complete pigs and have reported as advice on here and although Equidebt have not been offencive they will not accept tocken payment or any payment unless recieve income expenditure stating how much Job Seekers i get. Have been informed not their buisness as job seekers is for what it states job seeking. I have also recieved letter from Mackenzie Hall for a debt that will be SB next month i assume they got new address from these new debts as stated in other thread regarding this i am disputing as i am certain was cleared back in December 2005 when moved from previous address. My question is do i offer to pay £1 month to Equidebt. I am paying nothing to MT collect as being investigated by FOS, OFT and TS would appriciat your comments

as i stated in original post i did an original credit check on myself back in 2005 for mortgage purpaces and cleared all debt showing including mothercare. the original debt was £1000. i have checked credit files for this debt and nothing shows and there is no ccj for this. so my concirn is as far as im aware debt was cleared in DECEMBER 2005 puzzled as to how payments made in MARCH 2006 when i made none and how a debt i am sure was cleared for £1000 in 2005 can appear almost 6 years later at a larger amount almost double. has in been known for companys to pass on settled debts ?

i have had a call from Mackenzie Hall asking for monies said owed to mothercare £1790. The debt was registered to my old address and i have not lived there since December 2005. i told them im sure dept was cleared before moved did a cedit search to get mortgage for where i live now and also original debt was under £1000. they said they had just recieved the debt last payment was paid in March 2006 and amount is with intrest. I have refused to deal on phone but still get at least 5 calls a day and can they actually take legal action so close to 6 years?

i have today recieved a letter from Financial Ombudsman Services detailing me that they have written to Capital Finance One with complaint i am to wait a couple of days to see if i recieve a letter from Capital finance if not send letter explaining Financial Ombudsman Services have already contacted them and if no responce within 8 weeks fill out complaint form and return to Financial Ombudsman Services with supporting documentation. has anyone already done this yet and what was responce.

hi have reported all texts and company to OFT TS and ombudsman they say they will be getting in contact with capital finance one the company dept originaly with as M T Collect not registered

hi have reported all texts and company to OFT TS and ombudsman they say they will be getting in contact with capital finance one the company dept originaly with as M T Collect not registered

Another name to be added to list. I challenged the company that sent Al Wright text to me regarding bailiff attending property mentioned TS and there legality. the texts stopped then today i have recieved a text FINAL NOTICE Due to call to Youre address today TO Stop Action pay tocken payment different phone number Ian Davies same Ref Number looks like same company but trying with different name and contact details but email almost identical

i also have recieved message stating pre removal from a A L Wright i paid a token payment and have recieved 2 further texts saying balliff attending house now. i have since found out payment go to capital finance although the guy on phone said they were M T Collect. if i contact OFT or Trading Standards to complain what company am i complaining about and do i show texts to police?