mackenzie hall

Miss_Cinnabon

I recieved a letter from empire collections today about debt with mackenzie hall. This was a final demand even though we have recently set up a standing order and payments have come out.

I presume they are the same company as the phone number is the same, their is no address on the letter just a phone number! we have been advised to not have any contact them on the phone as all we get is abuse, so does anyone know the address or email details please?

Thanks

**purpleprincess**

Mackenzie Hall Ltd
11 Eanam Wharf, Blackburn, BB1 5BL

Think this might be it.

saver_sam

if they are a limited company then they are required to show their registered office address on the letter which is normally found at the bottom in tiny writing.

wuckfit

I don't think DCAs are allowed to pretend to be different companies to scare you into paying more. look into it and report them. the more people that do, the more that will get their licenses revoked.

Miss_Cinnabon

All i see on it is a phone and fax number and at the bottom it says mackenzie hall trading as empire collections.

The address was a scottish one, any ideas?

turboprop

I would ignore the demand from Empire Collections but would fire off a complaint to the Office of Fair Trading, Companies House and the Information Commissioner for the following reasons.

Another company chasing the same debt is contrary to the OFT's guidelines for debt chasers. They may not do anything about this but a large number of complaints are being logged against Mackenzie Hall and the more the merrier.

Empire Collections do not exists as a company, they do not hold a Consumer Credit Licence and are not authorised to hold data about anyone under the Data Protection Act. There are no details about their operation on the Public Register of Daya Controllers. They are breaking the law.

I would copy your letter of complaint to your MP and ask him to seek answers. Government agencies are obliged to respond to MPs!

Finally I would write, by recorded delivery, to Mackenzie Hall at whatever address they have given you and demand documentary proof that the debt you are paying is their's to chase. Until they provide you with such proof don't pay them any more. Tell them to take you to court to get any more and warn them you'll reveal their murky side to the judge.

Tell us how you get on.

StevenP_2

i just wanted to bump this up to see how the OP got on ??

Steve

Miss_Cinnabon

Hi still getting hassle from them, sent the letter to them but still get phonecalls, we ignore those now, get letters too saying they have a offer to settle account, knowing full well we cant pay in full, we pay every month and it is now getting annoying!

They are so abusive on the phone, theres no need for it, its not like we are not paying:mad:

Cant wait til the day we are rid of them!

Kyle

bo_nawk

hi i received a letter from the company mackenzie hall about me owing them money through a company called vertbaudet,. I called mackenzie hall up and told them they must be mistaken, as i have not had an account with vertbaudet since 1999 (that is when i last had contact with anything to do with vertbaudet ) mackenzie hall said i would still have to pay them. TO cut a long story short, I have spent my day on the phone and internet finding out my rights, then called them back to which they hung up on me 3 times, in the end spoke to a lady whom after i told them i would take them to court they cancelled the account

Halfangelhalftart

I have been dealing with MH since Dec 05

(bit of background...I and a boyfriend entered into joint IVA in 97 as a result of being young a foolish with money and then he got fired while I was on a minimum wage job and things just got out of hand - house respossed etc. My boyfriend and I split in 2000 and continued the IVA but unbeknownst to myself he had stopped paying (he advising the IVA company that we were simply making reduced payments!) In 2002 he did a moonlight flit to the states and so the IVA company had to default the agreement for both of us. I was advised to wait and see which of the debtors chose to chase up any outstanding debt.

MH got in touch in Dec 05 re a TSB debt which was a combination of credit cards that both I and my ex had had but had all been lumped into one as a result of the IVA. I have no problem paying debt that is mine and so agreed a payment plan with them (naturally a bit irked that I also have to pay my ex's debt too but I don't think I have can prove what is mine and what is his and they won't chase him in the States)

I have had nothing but grief and what I feel is harrasment. They are downright nasty on the phone - treating you like some sort of fraudster or petty criminal.

Only just today I got a letter advising me that I have defaulted on my repayments as they claim they did not recieve the payment due 25th Jan 07. My bank statement says otherwise and this is actually a repeat of a situation back in July 06. Do these alleged defaults go against my already poor credit rating that I am trying to rebuild? Is this a tactic to make you feel so fed up that you take out a loan with some loan shark in order to pay them off and get rid of them?

Another of their disgusting tactics is leaving voice text messages. They have left them on my work phone (a number I have never give then permission to contact me on - I am assuming they have got it from some caller ID when I have had to ring them). My work number can be answered by any number of people in a 25+ office. I complained about it but they did it again! And yes, I have had many of their red cards asking me to ring - demanding that I had to increase my payments or further action would be taken. To be quite honest, I'd love them to if it will mean I have no further dealings with them!

Also, I am going on maternity leave in a few weeks - probably for 12 months. Naturally I will be earning less money during this time - especially the last 6 months as occupational maternity pay is only payable for the 1st 20 odd weeks. Where do I stand legally to request making lesser payments until I return to work?

Sorry this has gone on a bit. Thank you for letting me vent a bit and if anyone has any suggestions on how I can deal with them in the future I'd appreciate it.
Cara

kelster_2

mackenzie hall

statue barred dept collection agency

They have no legal rights to collect a debt that is over 6 years old

Heres the legal stuff
Statute Barred

A debt is considered Statute Barred if a creditor has not contacted a debtor for a period of 6 years and no action has been taken on the account.
Although the debt is still legally acknowledged as being owed, the creditor is not able to take any legal action against the debtor in order to recover the debt. It is considered unfair if a creditor or debt collector misleads the debtor into believing the debt is still legally recoverable. It is also considered an unfair practice if the creditor or debt collector press for payment after the debtor has stated they will not be paying the money owed. This could amount to harassment contrary to Section 40(1) of the Administration of Justice Act 1970