Old Debt? Mackenzie Hall

clairegiz

Hi there,

Ive got the same problems as you in regards to text messages, but im lucky enough not to have had any phone calls or letters yet (my thread is a couple before yours). I was also really worried that someone would turn up at my door but ive been reassured by people on this site that Mckenzie Hall are not worth worrying about. Have a look through all the posts on this site regarding Mckenzie Hall and u will feel much better. I took the advice from others on this matter and have totally ignored Mckenzie Hall, you should do the same. Good Luck!

gllj40

I have been paying MacKenzie Hall for about a year now for an old debt. I didnt realise that debts had age limits to them!!, so am I obligated to carry on paying now?? Is it too late to dispute any liability ?
I still receive letters from them telling me Ive defaulted on a payment and to contact them urgently before further action is taken even when I havent missed a payment!! Really begrudge paying now that I know they are preying on us.

magicgirl

WOW! so its not just me that has had truble with this company. I paid the debt off but as it was cash back in 1999, I no longer have record. They contacted me in 2004 saying that I had nt paid. I was furious and told them so and they proceeded to shout at me down the phone! (Grrrr!) ANyway, it was two days before I moved house and so i leftit hanging. (bad move I know but I refuse to speak to people that talk to me like that) I am now looking at going bankrupt so if I can find any record of them, they will go on my bankruptcy.

DionneB

Unfortunatley it is too late to say you don't acknowledge the debt as you have started paying it back. As soon as you pay as little as a pound the debt is open again. But keep records of absolutely everything you get from this company, log phone calls, dates, times. who you spoke to. You may be able to lodge a complaint if they pester you too much. There are very solid guide lines that they must adhere to but they do sail very close to them. The Office Of Fair Trading have a very good leaflet which lays these all out and this can be found on the web. As for gllj40 in regard to your bankruptcy I am sure if when you go for your meeting to declare your self bankrupt then you will have no problem in placing them on your order too. Get some advice from the company who is dealing with your bankruptcy. Hope all goes well for you. But as I have said before do not enter into any telephone conversation with these people - state clearly and politley that you will only enter into postal contact then replace the receiver.

Good luck

lozzer1701

hello everyone,
i stumbled across this site/thread whilst trying to find out myself about mackenzie hall. a red postcard came through the door this morning for my partner to call them no later than today, with a reference number to quote. all it says is that it 'is not a circular or junk mail', and that they need to speak to him urgently. but before i started jumping up and down on him, i decided to look into our friends-as it seemed an odd way for a debt collection agency to make contact (no mention of what the debt is-who to, what owed, etc). the only 'debt' he has is £680 he has 'owed' to barclays for over the 6 years. way back then, he had problems paying off a loan. he eventually made arrangements with them, and negotiated a reduced settlement figure. this was payed off. in the next couple of years, he got 1 or 2 demands for payment, at which point he rang them up and provided the evidence for him having settled his debt (the cheque stub). things would then go quiet, and then he would have the same trouble again and have to sort it out all over again. he'd thought he'd finally need not worry about it, as there has not been a recurrence of the problem for more than 3 years now. god only knows where that old cheque book is now-it may have been destroyed, as there did seem to be no longer any point in keeping it....
then in the last 3-4 months, there has been 1-2 letters from debt collectors about this old 'debt'. knowing that the money was payed long ago and fed up with trying to explain this, the letters went into the shredder. now this red card from MH has arrived. having read through this thread, i would be tempted to tell him to put this postcard through the shredder as well and to forget about it. is this a wise course of action, or should he do anything else?

tomterm8

I got a letter from MkCrappy Hall, replied to it with my address, and have got harassing phone / letters since. Since all they would say is I owe XXX, I sent this letter to the creditor they mentioned, and copied it in an e-mail:


Dear Sir/Madam,

WITHOUT PREJUDICE

I have been recently contacted by Mackenzie hall who claim that you have authorised them to pursue a debt. Despite repeated requests they have provided me with no documentary evidence of such a debt, neither have they provided me with a true copy of an authorisation showing that they are acting on your behalf.

I do not acknowledge ANY debt to your company. I also require you to confirm Mackenzie Hall’s authority to act on your behalf before I will enter into any further contact with Mackenzie Hall.

I will consider any further contact from Mackenzie Hall without such written authorisation to be harassment, and will report this to the statutory authorities.

I have also asked that Mackenzie Hall or your agents stops calling me, [personal details ] as I am only willing to receive contact by post. I will consider any refusal to obey this request as harassment, and will report it to the statutory authorities.

Application for information under the CCA

1. You must supply me with a true copy of the alleged agreement Mackenzie hall refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number [INCLUDED IN ORIGINAL LETTER].

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not, within 12 days of the date of this letter.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.


Information on Credit Record

In the event that you are unable to substantiate the existence of the above credit agreement, I request that you remove any information on credit references you have placed on my credit files of default, arrears, Goneaway records or fraud associated with the claim. Any failure to do so will result in a complaint to the Data Controller, the statutory authorities and to claims for such damages as are incurred as a result.

I look forward to your response,

Yours,

Woodyrocks

Xbigman wrote: »

If anyone gets one of these letters then check your credit files. Some of these companies are happy to try it on with defaults once you reply and you can get these removed, but only if you know about them.
Regards




X

I have just been stung by MacF****** :mad: Finally sorted out my credit file & defaults out only to sign in to experian today to see that they have placed a default notice on my file. This has only shown up in the past 48hrs as I have been checking it regularly. How can i get this removed? I do not accept the debt and have not acknowledged the debt in any way shape or form. I am so angry!

lisaking

I had a letter from these sayong i owed 50.00 from La redoute from 2000

So i rang them up and asked them where this info had came from and can they send me proof

No they said they just take the debt on and i had to pay it

i refused and just read there texts and letters they keep sending me

tomterm8

After them sending me another intimidating form letter asking me to phone them (yeah, right:) I replied

me wrote:

Dear Mr Goodyear,

Please note I do not acknowledge any debt to your company.

Thank you for your letter dated 26th March 2007.

I quote from my letter to your client dated 20 March 2007:

"I also require you to confirm Mackenzie Hall’s authority to act on your behalf before I will enter into any further contact with Mackenzie Hall.

I will consider any further contact from Mackenzie Hall without such written authorization to be harassment, and will report this to the statutory authorities. "

To further quote from the aforementioned letter

"I am only be willing to receive contact by post. I will consider any refusal to obey this request as harassment, and will report it to the statutory authorities." Please accept my apologies since I am dyslexic, this should read "I am only willing to receive contact by post."

If you need further clarification of any details, please feel free to write to me specifying the exact details to be clarified and with the required authorization. I am sorry, but in the absence of the authorization requested I will be unable to communicate further with Mackenzie Hall. I am also unwilling to divulge personal information in the absence of any such authorization.

Yours,

to which they sent me the following e-mail: :)LOL:)

MkHall wrote:

Dear Mr [X]

Re above account reference

I have requested details from our client 1st Credit and have placed your account on hold awaiting there update.

Anne Quinn

Frankly, I don't think I'll hear anything about it again - from the look of it, it would take a LONG CCA chain before they could find the original debt, and am still waiting for the reply letter from alleged "creditor".

file_wizzard

DionneB wrote: »

Unfortunatley it is too late to say you don't acknowledge the debt as you have started paying it back. As soon as you pay as little as a pound the debt is open again.

Not necessarily, if they are unable to correctly document the debt then it is unenforceable regardless of any payments made, and in fact if they are unable to document the debt you would be lawfully entitled to refund of any sums already paid.

You should send the letter that tomterm8 has copied above in post #27, only remove the "Without prejudice" as it should not be used in this type of communication under any circumstances.