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Mackenzie Hall - Please Help!!
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# 1
nstaley26
Old 19-02-2012, 9:33 PM
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Default Mackenzie Hall - Please Help!!

Hello everyone,

I'm hoping someone on here will be able to help me. A couple of weeks ago I received a letter from MH titled 'REDUCED SETTLEMENT OFFER' for 135.29 for Vodafone. The letter states after repeated efforts for payment the accout is unpaid. The letter then offers me a reduced settlement figure of 101.47.

At the time I paniced & called them straight away (silly now I know) & spoke to the guy on the phone who said it was from 2005-6 with vodafone & I explained that I have had a lot of problems with debts my ex partner has ran up in my name & agreed to pay half now & the other half on 25th Feb. I did have a contract phone with vodafone back in the day but wasnt aware I had left any debts with them. This offer was accepted & I made a payment over the phone. After reading all the stuff I have read on here I am now kicking myself. Is it too late to send a letter asking for proof as I have made a payment already? If so what proof do they need to send me and will they know if have written the debt off? And where do I find a template letter? They advised I call vodafone if I want details which I found a little odd. Also when I log into their website it gives a different address for myself that I lived at in 2006/7. When I click on online statement it says 'period 01/10/2008 to 19/02/2012' which I dont understand either.

Any advice will be very much appreciated.

Thanks very much,
Nicola.
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# 2
Tixy
Old 19-02-2012, 9:56 PM
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Hi

To be honest if you've paid up in full now you are probably too late to do anything about it. If you've just paid a small payment then you could still definitely ask them to provide proof of the debt before you make any further payments.

When you say you logged into their website - do you mean vodaphone's website? or MH?

The prove it letter template is here - Letter when you know nothing about about the debt - AKA "Prove it" letter
They would need to send proof that this is your debt, which could be a copy of the service agreement, copies of bills sent to your address and details of payments that were made etc.
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# 3
neverbefore2011
Old 19-02-2012, 9:56 PM
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If the debt collectors have no details of the debt, then how can they prove that it exists? The suggestion that you should call Vodafone for details of this debt is absurd - it isn't Vodafone who are hassling you, it's McKenzie Hall - the first problem you would have is getting through Vodafone's security checks because you have no knowledge of the account which you are querying

Let McKenzie Hall take you to court, and see if they tell the judge to contact Vodafone himself because they have no information about the alleged debt!

You probably won't get your first instalment back, but I wouldn't give them a penny more until they have proved to you that you owe the money
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# 4
nstaley26
Old 19-02-2012, 10:08 PM
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I have agreed to pay 100 & I have already paid 50 & my next payment due of 50 is due on Friday coming up. I logged into the MH website with a password and pin number they sent me. I have just done an Equifax Credit report which states it was March 2006 I defaulted with Vodafofe (APPARENTLY) so just short of 6 years by a month and Carbot Finance tried to locate me at a previous address in 2010 according to that. I should never have paid in the 1st place but i really dont want to pay the rest of the balance!!
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# 5
Tixy
Old 19-02-2012, 10:14 PM
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Did you pay by card last time? there is a chance they'll take the next payment from it. If not don't pay the next payment and instead write to them with the prove it letter and wait to see what they reply with.
(they may reply to say that as you paid last week you've acknowledged the debt - if so you'll simply need to state you require proof of the debt and that it belongs to you before you'll be paying any more).

Don't speak to them on the phone again do everything in writing.
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or "It costs nowt to be nice"
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# 6
nstaley26
Old 19-02-2012, 10:19 PM
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Yes I did pay by card last time and they asked if they could set up a Direct debit for the next payment and I said no. I have just saved the template and I will sent it off tomorrow but like you say I can see them taking the payment anyway.
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# 7
neverbefore2011
Old 19-02-2012, 10:20 PM
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Quote:
Originally Posted by Tixy View Post
Did you pay by card last time? there is a chance they'll take the next payment from it. If not don't pay the next payment and instead write to them with the prove it letter and wait to see what they reply with.
(they may reply to say that as you paid last week you've acknowledged the debt - if so you'll simply need to state you require proof of the debt and that it belongs to you before you'll be paying any more).

Don't speak to them on the phone again do everything in writing.
In the meantime, contact your bank, and see if you can cancel any authority which you may have given to McKenzie Hall to debit your card (and write to McKenzie Hall immediately to withdraw any authority which they might have assumed)
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# 8
nstaley26
Old 19-02-2012, 10:30 PM
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I didn't know you could do that - I will contact my bank 1st thing tomorrow and make sure if they have any authority it is stopped. Thanks you are all so helpful! If i write to them and receive no reply do I assume the debt has been written off?
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# 9
neverbefore2011
Old 19-02-2012, 10:42 PM
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Quote:
Originally Posted by nstaley26 View Post
I didn't know you could do that - I will contact my bank 1st thing tomorrow and make sure if they have any authority it is stopped. Thanks you are all so helpful! If i write to them and receive no reply do I assume the debt has been written off?
Hopefully, you used a debit card rather than a credit card - continuous authorities on credit cards cannot be cancelled by the bank, only by the beneficiary.

And if you used a debit card, then it's not so much you created a continuous authority, it's just that McKenzie Hall now know the numbers, and are likely to try to use them.

If you had allowed them to to set up a Direct Debit, then it would be a simple matter for you to call the bank and cancel it, but with debit cards, you may find that you have to put a total stop on the card or something - talk to the bank

Concerning the debt being written off, I doubt whether the letters will stop coming, but in the absence of any proof of the debt, McKenzie Hall are pretty powerless, just annoying

Last edited by neverbefore2011; 19-02-2012 at 10:43 PM. Reason: spelling mistake
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# 10
give them FA
Old 20-02-2012, 12:48 AM
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Simple answer for anyone else reading this- if you get a letter from McKenzie Hall or any similar chancers over debts like this, NEVER EVER contact or phone them:

Simply ignore them, they WILL give up and go away. Half the time the debt isn't theirs to collect, may not exist, or may be statute barred.

The only certainty is that if you don't reply, they will do NOTHING about it except go away. They certainly won't risk a court fee on a speculative claim, no debt collector ever does even when there is far more at stake.

Those of you unfortunate enough to have paid them something, don't for goodness sake give them any more.
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# 11
give them FA
Old 20-02-2012, 11:11 AM
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Quote:
Originally Posted by neverbefore2011 View Post
Concerning the debt being written off, I doubt whether the letters will stop coming, but in the absence of any proof of the debt, McKenzie Hall are pretty powerless, just annoying
I can promise you they do stop writing if they receive no reply. They write to you to frighten you, and if that isn't happening they cut their losses and move on after they have sent their progression of template letters.

If you reply they know they have hooked a live one and then they get down to business.
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# 12
Vodafone company representative
Old 21-02-2012, 11:04 AM
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Hi nstaley26,

I will be happy to provide full confirmation of the default if you email me here with WRT135 FAO Heidi in the subject.

We will have everything recorded and will be able to clarify any details you may need.

Kind regards,

Heidi
Web Relations Team
Vodafone UK
Official Company Representative
I am the official company representative of Vodafone. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
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