Old Debt? Mackenzie Hall

rog2

JonnyYoung wrote: »

Thanks Rog for the clarrification - I have definatly not made any payments or contacted them within the last 6 years. I will send Mackensie Hall another letter in the post tomorrow.

Best just to use the 'stanard' letter as per the NDL link I gave you - that way it does not give MH any excuse.

To see exactly the type of 'company' that you are being forced to attempt to deal with, have a look at the following thread:

http://forums.moneysavingexpert.com/showthread.html?t=1639473

Do not be afraid to report them to the OFT.

faris_2

Hi all,

Is there any connection between Mackenzie Hall and Tessera Portfolio Managenet? I mean are they same entity under different names?

ooartur

From what has been said here - it seems it's best ignored?
The only think I can recall is that a student residence sent me an e-mail 3 years ago saying I owe them a small amount of money (£200 or so). I checked my records and didn't see any problem there, so I ignred them. Is it possible that they're still chasing me through the debt collecting agency??

Sade

PLEASE HELP AGAIN!!!

I sent this post (below) back in April 2008, we have now received a letter from MeritForce which apparently is a part of Mackenzie Hall...

Can someone help, they are requesting the same amount - £421.39??

We did call them and they were very rude and hung up on us!!

Does anyone know what we should do now, do we send them a letter requesting more information or requesting a CCA?

Please help...

PLEASE HELP!

Hi,

My partner received a letter 'Notice of Legal Proceedings' on 24th Oct 2003 for debt due (£421.39), we didn't know what it was for, but paid a proportion of it £150 (as agreed with Robinson Way & Co on behalf of Singlepoint 4U) it as we had a contract phone (thought it was that)!

Thought that was the end of it. Then received another letter - 27th January 2006 from Red Castle Recoveries Ltd from the same Client (Singlepoint 4U) requesting another smaller amount (£129.30). Paid this amount online!!

Another letter sent from someone else (Mackenzie Hall Ltd) on behalf of the same client for £421.39 requesting payment otherwise legal action will be taken, contacted them and requested proof - still nothing.

Another letter sent 30th March 2008 from ScotCall Debt on behalf of the same client for £421.39 requesting payment otherwise doorstep collection which could be this Monday. Now we're worried, as we don't have the money and we don't know what it's for?? Could I do anything to stop it, maybe phone them and threaten legal action!!!

I've heard that if you accept the payment you have to pay, or is there something about 'Statute Barred' that I could use???

Please could someone help!!

Thanks for letting me ramble...

panman_2

Google Mackenzie Hall, scroll through the list of sites. You'll find the office of fair trading 21st apr 2009. Go there. worth looking at. report them .

Volcano

Just a couple of addresses to ensure this thread crops up on Google, one of which I don't think has been posted before:

PO Box 7381 Glasgow G51 9BG

Unit 1A 58 Portland Street, Kilmarnock Ayrshire KA1 1JG

PO Box 26184 Kilmarnock KA1 9DP

Handy if they send a 'signed for' letter you might want to refuse to accept.

einyuk

hi
Hell of a thread this... thanks
I too received a letter outta the blue from the infamous Mackenzie Hall people three weeks ago giving me five days to pay nearly £6000, understandadbly the wife went ballistic and tried as i might couldn't reasure her to say i've never heard of this debt.
Rung the number and got some very rude man who came out with some threats about taking the house and takin me to court even before giving me any info about this debt !! i have spoken to three people from this company and not one have been civil at all... now i've had some debts in my time and know the proper way things are done but they was having none of it so told them where to stick this debt....i was so very angry (still got no info about this debt at all).
Anyhow this week after reading alot about this mickey mouse outfit got in touch with National Debtline and the OFT who told me not to send any monies or phone these people again and if they phone me i was to report them again and that only deal in letters and a'm in the process of sending a credit agreement request letter....so playin the waiting game now.

deviant1966

Hi all,

Just a quick one for you. I was being harassed in November 2007 by Lowell. I sent the stature barred letter by recorded post.

I have heard nothing from them for 18 months and then today I receive a so called "statement" which is overdue for payment. This refers to the same debt as the one they were harassing me for in 2007.

This debt IS statute barred, and what I find funny is there is a default recorded by them which was exactly 6 years old 3 days ago! This has yet to come off Equifax, I called them yesterday and they said for some reason it had not dropped off automatically, they would remove it within 24 hours.

My questions :

I already sent the statute barred letter but no longer have the post office receipt from 2007. What action should I now take after receiving this so called "statement of overdue account"?

Why has the default which hit the 6 year mark 3 days ago not immediatley been removed from my Equifax file?

Is it coincidence that I have recieved this demand nearly exactly to the date of the 6 year limit of records on credit files?

I look forward to all your views.

Mike.

rog2

You should, indeed must report Lowell to the OFT - what they are doing is not only in direct contravention of the OFT Debt Collection guidelines, but is also, now, illegal.

The fact that you received the letter just before the default was due to 'drop off' of your crf is definitely no coincidence. Scum (I'm sorry but there is no other way to describe them) of the ilk of Lowell actively 'trawl' Credit Reference Agencies looking to pick up on 'debts' which are just approaching the end of their Limitation Period - and will actively and relentlessly pursue the alleged debtor in the highly certain knowledge that the debtor is unaware of the protection that the Limitation Act affords him/her.

It matters not, anyway - as the Limitation Period applies from either the last date that the 'debtor' made any payment towards the alleged debt, or acknowledged it in writing - NOT from any date that a 'default' was entered on that alleged debtor's credit reference file.

Lowell deserves to have their 'licence' revoked.

El_Chorro

WOW what a thread!!

I have just received a letter from Mackenzie Hall - threatening court and legal proceedings for a debt that i have no recollection of. I have called them and they advised that the debt was for HFC:eek:. To which answered i still don't know what its about, but surely if it is outside of statute of limitation if its older than five years, to which he replied "its actually 6 years but you defaulted in August 2002"

So he confirmed that it should no longer stand but asked if i would still like to pay it...wasn't rude or anything but i love that, he knows i don't legally owe any money to anyone but still asks if id like to pay it. :mad: I said no and he said they'd investigate it. I have since drafted the National Debt Letter regards statue of limitation and posted it too them.

Why is it companies such as these are not more heavily regulated:mad:. Surely it costs them more money to chase debts that are legally null and void in the eyes of the law than what they must get back in return - it just seems daft that people like that are allowd/permitted to get away with such blatant acts of demanding money with menaces cus thats what it boils down too??!!!:mad:

Hopefully sending the letter should mean they are no longer able to chase me for it. :cool: Thanks peoples :T