Hi, thanks for the help. Is this a tactic that they generally use then? any particular reason for those dates? In your experience, do you think it is likely that they would have issued in late December/early January but delayed serving proceedings (given that they have 4 months to do so) in order to make further offers? Or do they generally serve proceedings as soon as they are issued?

Hi, my default notice date was June 2006 (has now drop off the CRA) but I have paperwork showing the last payment as 27th December 2006 (at the very latest)

I've seen elsewhere that the limitation period could start after 2/3 missed payments, depending on what was provided in the terms of the agreement (unfortunately I don't have a copy).

Thanks CitizenB, Just so that I am clear does the limitation period run from the date of the last payment made (in this case 27 December 2006) or the date of the first missed payment (where no other payments have been made) i.e. 27 January 2007 in this case? Also, will it depend on the terms of the loan?

The debt was a loan maroondevo.

Thanks, I am aware that they would have had to issue proceedings by 27 December otherwise it will be statute barred, but once proceedings have been issued they have 4 months to effect service which means I could actual still get a court summons within the next week. Are they likely to have issued proceedings, but then make an offer prior to service of papers? Is this a tactic MH are known to use?

One other thing the system for making the payment is online & they have given me a PIN to log in and make the payment, if I log in, but don't pay will this count as an acknowledgement. Also will they trace the bank details if my friend makes the payment and try and see if there is any link between us.

Could someone please help me, I have a debt which was originally with First Direct which I defaulted on 13/06/06 for £14625. The debt was then sold on to Cabot on 21 June 2007, now I am sure the last payment was made on 27 December 2006 & there has been no acknowledgement from me since this date so I know that they would need to have issued proceedings by 27 December 2012. However, I am also aware that once proceedings have been issued they have 4 months to effect service. Mackenzie Hall have now been representing Cabot since 1st February 2013 and I have received 2 letters from them, the first one offered a reduced settlement of £12432.07 and the second letter received on 04th April 2013 offering an Amazing Settlement Offer (their words) of £2925.19 which is an 80% reduction. They have said this is a One Time Offer for which payment must be made by 22 April 2013. It says that if no contact is made by 22 April then collection activity will commence for the outstanding balance in full. On my calculations they would need to serve the court documents on me by 27 April 2013 at the latest. Their last offer, gave me 16 days for acceptance, which seems to be an unusual acceptance period (as I understand matter normally offers are open for 7, 10, 14 or 21 days) and I am concerned that they have deliberately stated that the offer expires on 22 April to allow them a couple of days to serve the proceedings by 27 December and ensure that they are still in time. However, I appreciate that they will be running right to the limit of the time periods and I'm not sure that they would do this? I have a friend who has said that they will pay the £2925.19 for me. However, I am concerned that 1. Payment may not be made in time. The offer says I have to make the payment before 22 April, it is now 20 April (a Saturday) and so I can't guarantee when it will "hit" their account" 2. If payment does not hit their account in time, I will have re - started the limitation period. Please could anyone assist with the above or let me know whether you have any experience of MacKenzie Hall and their tactics.