Mackenzie Hall Letter

len081

Hi, I am new to this site after googling MH and looked at the response that a hell of a lot of people have bad dealings with these muppets.

I have been slowly clering my debts off for a few years and was paying £40 a month to one company. The payments suddenly stopped and I assumed that I had cleared the debt as I didn't have any contact from them until last week when a letter from MH came through the door.

The letter states:

Pursuers: Tessera Portfolio Managemnt Ltd
Original Creditor: Tessero Purchased Lloyds Blackhorse
Client Ref; 4XXXXXXX
Pricipal Sum: £764.92

"We have been instructed by our clients to recover this overdue amount on their behalf".

I spoke to a man last week and tried explaing the circumstances and said I would pay £40 a month. He knew when my last payment was and for how much. He said to ring on friday last week to make a payment, which was unable to do as I was held up at work.

I received a snotty phone call from a woman at MH this week demanding full payment by friday otherwise legal proceedings would start.
I tried explaining to her what the man had sai about pying £40 a month but she would not accept it and told me "we are not here to help, just get the money back"

By this time my blood was boiling and didn't know what to do.

Having read a lot of the threads, and as I have made payments in the last 6 years, I can't go down the statue barred route and I am after some advice on what to do.

Any helpful advice would be greatly appreciated.

RAS

Hi

Start with a Consumer Credit Act request. Unless they produce the required documentation in 12 days, they are in dafault and can take no furher legal action unless they produce the CCA for the court.

in the meantime it places the debt in dispute.

I am assuming this is a very old debt? So it is unlikely even to be on your credit record?