Old Debt? Mackenzie Hall

fermi

How long will information stay on my Credit File?

Credit Agreements: 6 years from the date the account was settled, written off or defaulted, whichever occurred first

RAS

wOODY

This might also be relevant if you have not paid for this debt or acknowledged it since April 2002

http://www.nationaldebtline.co.uk/en...mitation_act#h.

Woodyrocks

Thanks Fermi & RAS. Just checking out the link now. I have not acknowledged the debt (:o) in any way shape or form, unless a statement on MSE counts :eek::rotfl:

It was something from my stupid era, paid with a check on a dormant account. Cheque amount was for £36, fast forward a few yrs, with fees they wanted me to pay over £700 :rolleyes: My Maths sucks at the best of times but the fees alone account for over 90% of the debt

Woodyrocks

RAS, the link is broken but thanks for the lead nonetheless x

fermi

Woodyrocks wrote: »

RAS, the link is broken but thanks for the lead nonetheless x

Try this one.

Link: Factsheet | Liability for Debts and the Limitation Act (England/Wales)

david1leigh

I have been paying MH (i know, stupid) £40 a month for the last 6 -9 months. Where do i stand on this debt. Do i have to keep paying it.
Can someone help

RAS

David

Welcome.

Two things we need to check.

1. Have there been a gap of 6 years between your initial payments (or non-payments) and the paymnts you commneced 6-89 months ago. At any time?

2. if this is a credit card debt rahter then a bank account debt, have you requested the Consumer credit Agreement?

david1leigh

RAS. I am not sure if there has been a gap of 6 years. Certainly, MH have only been on the scene for the last 12 months, before that it was RED. Before that someone else was trying to get money. I have tried to stall them over the years with token payments.
I have not asked for a cca yet as i am waiting to hear from them now i have canceled the direct debit.
To tell the truth, this debt has been passed from one debt agency to another over the years, probably 6 or 7 in total. The chances of them having the CCA is quite remote i would say.

bungi

i to have had a letter from mackenzie hall stateing that lowell portfolio 1 ltd are caseing me for £2884.91 this is the first letter i have receved from them but they say i have not responded to any of there letters and they got my details from my old address that i left in 2001 please help what do i do

fermi

bungi wrote: »

i to have had a letter from mackenzie hall stateing that lowell portfolio 1 ltd are caseing me for £2884.91 this is the first letter i have receved from them but they say i have not responded to any of there letters and they got my details from my old address that i left in 2001 please help what do i

If you have had nothing to do with this debt since 2001, then it is likely to be "statute barred" and legally unenforceable.

From a previous thread:

A debt will be "Statute Barred" if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period.

If you are in England/Wales then the limitation period is 6 years and you should read:

Link: Factsheet | Liability for Debts and the Limitation Act (England/Wales)

If you are in Scotland then the limitation period is 5 years and you should read:

Link: Factsheet | Liability for debts & the Prescription & Limitation (Scotland) Act 1973

If you feel the debt is "Statute Barred", then there is a letter to write at the end of each factsheet.

If you are unsure of anything, then give National Debtline a call free on 0808 808 4000 to talk your situation through with a professional advisor.