Old Debt? Mackenzie Hall

maytaurus

Hi
we have received a letter from Cabot Financial as well
Saying that we owe money for an old debt
we contacted them and asked them to send us the details
They replied saying they didn't have any details
but as a gesture of goodwill,they would accept half the ammount ( gave a figure)
as full and final settlement ! :rotfl: :rotfl:
On a more serious note ,
I think about people like my parents who just might pay them if they received a similar letter ! :eek: :eek: :mad:

crollwitzer

I recently recieved a letter from Cabot chasing £65.00 for an old debt i had with a store card going back over 8 years ago. Prior to this i have not had any contact from Cabot or the store card people for over 8 years.

Over the phone i told them i thought the balance had been cleared 8 years ago.
They informed me the debt is still showing as unpaid on my credit file and it would be cleared if i paid them over the phone.

I said i would repay the debt and that i would phone them back at a later date to make payment. However, after reading a few threads on here it appears that i may not have to repay the debt due to the Limtiation Act 1980 Section 5.
Please can someone confirm if i am still liable for the debt even though i admitted i was liable for it over the phone?

best regards Mr Ben?

sa1

Hi all

if the debt collector etc place a search on your file or default etc send the letter below, i think it was from a post by fermi on this forum that i had it from:

yor namr and address
Re- Searches On MY File

I write to request the removal of an illegal search/default you placed on my cra file.

I write further with regard to all the previous issues you have been aware of and that I now submit this Notice under Section 10 of the Data Protection Act 1998 to erase/delete all the unsubstantiated data & information supplied by you and all other on my file about me because this false libellous/defamatory entry being maintained on your files by you is causing me both severe unwarranted distress and damage.

I further support this notice and exercise my right given to me under Article 8 of the European Convention on Human Rights which is embedded in the UK Human Rights Act ( the right to privacy to home life and personal correspondence). With regard to personal data which states “all individuals have the right to have incorrect data about them corrected”.

The information supplied by you and the other debt collectors is unsupported by documentation of any description.
Under the Fourth Principle data controllers ( you are a data controller under the Data Protection Act 1998 must now take “ more than reasonable steps to ensure that the processing of data is lawful, correct, accurate and true”.

Merely placing a marker (dispute notice) on an individuals credit file will not be sufficient to protect a data controller from libel action.

The Data Protection Act 1998 also states that the necessary steps to be taken will be different in each individual case, this means that the standard letters sent out by you are no longer worth the paper they are written on, every case and dispute is different as seen by my case.

Should you attempt to use their position of miss conceived power and refuse to remove this information, I will immediately without further warning take out proceedings against you for Defamation in the County Court, bearing in mind no monetary loss has to be proven in Defamation claims.

In such court proceedings I will submit that you be put to strict proof to prove that the defamatory information entered by you and other debt collectors on my credit files is in fact accurate true and correct in every respect, and produce the necessary documentary evidence to substantiate it.

As I will be able to show quite clearly that it is in fact incorrect I have no doubt at all I will be successful in my claim.

I will be taking action against you as one suppliers of this information in a separate claim, to avoid this action I suggest that yo comply with my section 10 notice and offer compensation to the value stated in the case as damage to a persons credit status in 1996 at £5500

Kpohraror v The Woolwich [1996] 4 All ER 119
see [1920] AC 102 at 112, [1918-19] All ER Rep 1035 at 1037 per Lord Birkenhead LC). The credit rating of individuals is as important for their personal transactions, including mortgages and hire-purchase as well as banking facilities, as it is for those who are engaged in trade, and it is notorious that central registers are now kept. I would have no hesitation in holding that what is in effect a presumption of some damage arises in every case, in so far as this is a presumption of fact.

According to the National Statistics office £ £5,500 equates to over £ 8000, I am therefore prepared to accept £ 5,500 although County Courts can award up to £10,000 in a Defamation claim.

I submit under all circumstances that you are in breach of the First, Third ,Fourth & Fifth Priciples and should you not comply with the section 10 notice a further breach of the Sixth Principle

Also if you pass my information to another debt collectiona gency i will sue you for further amounts.
Yours sincerely

Love_A_Bargain

Hi all, this is a very good thread. Good job to all posters. Just read it entirely. I wish I had read it many days ago.

I noticed that there is alot of complains on MH. Also there's alot of information about debts for over five years. Any ideas on debts if its less than 5 years.

symey

Hi all

Have been reading the responses with great interest but wanted to put my experience down to hopefully receive some advice!

I received a letter about a month ago from Mackenzie Hall asking for me to contact them re a personal matter as they believed i was at this address.

First thing i did was google them as i didnt like the look of the vague communication - i was obviously presented with a wealth of posts all over the next about them and their methods.

Decided to leave on the noticedboard at home and see what happened, i thought if it were anything important they would be in touch again. Got home yesterday and had another letter from them, this time with a bit more details - said they were collecting on behalf of lowell portfolio. it was a final notice with a deadline to pay by noon 6th November otherwise further action will be taken etc.

I also noticed a missed call on my mobile later in the evening - didnt recognise the number and then thought to compare it to what was on the letter i received - it was an 01563 number. No voicemail left etc, no call back yet. Ive no idea hown they obtained my number.

Ive gone through my Experian credit record and cannot find anything untoward at all. The only thing worth noting is a settled account from the early part of 2003 that had a number of late payments on it. I cant remember why this was and believe it was paid off in good faith, i havent knowingly walked awy from a debt i owe. My credit score is in the 'good' catagory too. I got a mortgage year no probs so im at a loss...

So, i have a few questions!

Does 'settled' mean just that? or can it mean a debt that wasnt paid?
Do i get in contact with MH?
Should i be worried about the latest correspondence from them?

Do you have any other useful advice!?

Many many thanks in advance

symey

nurseflo

Hi i read with interest what folks have written in here abt Mackenzie Hall i would like to add me tuppence worth now ......My daughter has been in Egypt for nearly 18mths following her divorce 1yr previously and works out in egypt as a teacher..she has never lived with us so today i got aletter fro MH in her maiden name asking her to contact them re some personnal matter.... i contacted my daughter via emails asking her if she knew what this is abt and as she has just had a credit search done on herself and there was nothing outstanding of interest ..(as her ex-hubby got himself up to hisneck in debt shortly after they split up some 3-4 yrs ago) on her experian file...she asked me to ring them to find out what is abt as land lines are terrible from egypt !!! so i rang them quoted the number and asked to confirm name and adress on date of birth which i did !!!

was then told abt this "debt" she owes of nearly £700

at this point i pointed out i was not her and the man on the phone really lost it ..saying i had broken the law and was really shouting and very angry towards me etc etc

i did politly tell him to stop shouting at me which he didnt all he kept saying was that i had broken the law and was going to refer me to"LEGAL DEPT",...as this was a criminal offence

he did not allow me to inform him that my duaghter was in egypt ...he just kept tellimg me how i had broken the law and that they would "find her " ..hmmmmm

and then put the phone down on me ...charming which telephone customer service centre

wat should be my next step if i get a legal letter or visit abt me or my daughter ??? this was all done with her knowledge and is unable to contact them herself

many thanks

rog2

nurseflo wrote: »

i did politly tell him to stop shouting at me which he didnt all he kept saying was that i had broken the law and was going to refer me to"LEGAL DEPT",...as this was a criminal offence

Mackenzie Hall are in no position to accuse others of not respecting the Law - they make their money (and shedloads of the stuff) by completely disregarding laws safe in the knowledge that their intended victims are unaware of any protection that they may have under Law. In fact, MH have, themselves, acted in defiance of the Law by not establishing exactly who they were speaking to, before discussing the 'alleged debt'.

As reards the next step for your daughter - I would say that she needs to relax and enjoy the winter sunshine of Egypt. Even in the unlikely event that MH were to take her to Court, then any resulting Court Order would have NO JURISDICTION WHATSOEVER in Egypt.

If you receive any further letters from MH, addressed to your daughter, simply mark them 'Return to Sender - Adressee no longer at this address' and pop them into the postbox.

In the even more unlikely event that you should receive a 'doorstep visit' then you should be aware that you have absolutely no obligation to discuss either the debt, or your daughter's whereabouts, with them. They have no leal powers whatsoever - they certainly have no right to enter your property, unless invited, and have no powers to sieze goods - nor should they imply that they have any such powers - and they must leave immediately when you ask them to.

On a point of responsibility - your daughter would have no responsibility for any debt incurred by her ex-husband - either before, or after, they split up, unless those debts were incurred on a joint account/loan.

Mackenzie Hall are, probably, the worst example of what is wrong with the burgeoning industry of 'Debt Collection' - they will try every trick in the book to make your daughter 'accept' responsibility for debts for which she has no legal responsibility - MH simply don't care as long as they can find a way to see money coming into their account - and are unlikely to drop the matter as a result of your telephone call.

It would certainly be well worth your while phoning National Debtline - 0808 808 4000, or CCCS - 0800 138 1111, if you are still worried, and want to clarify your, or your daughter's, legal position.

Good luck.

Gypsy_Boy

I've been getting letters from these twonks for quite some time now.

It started off as Red, then became Lowell and is now Mackenzie Hall.

They are all the same conpany.

As it happened I have just moved house and so I get their rubbish along with my other forwarded mail so they don't know my new address.

I'm saving all their letters. I'm not sure whether to take them to the trading standards office and make a complaint and follow it through or wait for them to take me to court and then laugh all the way to the bank with my counterclaim.

Or I might just thread them all on a piece of string and hang them next to the toilet.:rotfl:

janben63

Hi to all,
I am new to this site and found it when doing research on these scumbags (mackenzie Hall)
I Have also recieved a letter from Mackenzie Hall at the begining of november the letter was addressed to me in my previous married name, But i would like to point out i have been married to my present husband since 12th April 1997 the letter said " we are attempting to contact the above named regarding a personal matter" it said could i contact them on 01563 554782 immediately, but i did nothing but kept the letter.
Then this Saturday 29th November I recieved another letter from them again in my previous married name, this time with reference numbers etc also saying the debt was for £4268.24 and pursuers are Cabot Financial Ltd, this letter is a Failure to respond NOTICE, they say to contact them to pay the full amount by the 3rd December 2008, I have since done a credit check using Experian and there is no outstanding debt in my present or previous name so I now know this debt is not owed by me. I have taken some advice and was told to make no contact with them at all and if i get anymore letters, keep them, they cannot do anything regarding this matter as it has to be at least 11 years old, the only debt that can be chased upto 12 years after the event is mortgage arrears or shortfall after selling property.
I have also contacted Watchdog regarding this matter as tonight at 7.30pm they are going to be dealing with debt collecters sending letter out, so i'm hoping that they mention Mackenzie Hall.
I thought i would ad my happenings on here to keep the thead going.
Thanks for reading this and i hope these scumbags get what they diserve as i have read lots of these complaints and for every one that does not pay them there will be the odd few that do, Not everybody has the internet so cannot do searches on these sort of scumbags. BE AWARE!!!!

benoslav

Good Morning,
A little advice is saught please!
About 5 or 6 years ago my brother, who had a gambling addiction, took money out against me by means of car finance with Black Horse Finance. This was to the tune of 24K. (He took a car out that was later reposessed and paid for approx £11k of the debt leaving a balance of £13k.)
This has meant that for the last three or four years from when the scheduled payments had not been met, they have been chasing my name. I have not wanted to prosecute my brother as he has a child and would be no good in prison to him. Another brother i have advised i should avoid the payment and that after some time they should write it off.
This has meant i have had no credit for such a long time, i won't be able to buy a house nor even have an account. Yet unfortunately, out of the blue (and i think after being tracked down by my phone bill), I received a phone call on my mobile from Mackenzie Hall demanding a payment for the outstanding debt or i should expect a debt collector at my door. Having a fiancee and baby on the way, this panicked me, especially with Christmas around the corner - so i made a "token" payment as i was pushed to by their operator of £100. I told my "good" brother and he said this was stupid as it re-activated my account!?!?! What do i do? Shall i just ignore them for ever more? Is the amount outstanding too much to do this?
Please help...