Mckenzie Hall

Mrmagooooooo_2

Hi Peeps :-)

Ive visited 3 or 4 forums today with literally hundreds of posts regarding this company. I too have recived several letters claiming that i owe them x amount of money (bizzarely this amount always seems to change) anyway i urge you all to contact BBC's Watchdog programe.. if enough of us tell them about it im sure they would investigate them... anyway here are is the link...

http://www.bbc.co.uk/consumer/tv_and_radio/watchdog/contact_finance.shtml

Lets all join together and show the whole of the UK what utter Bas£@£$s this company really are :T

DizzyDi_2

Can I just say I work for MH and whilst I admit openly some of the staff can leave a lot to be desired please do not label us all. I always endeavour to be polite and courteous to all customers. We all have a job to do as we all have commitments and I'm afraid I would rather work than rack up copious amounts of debt that I cannot afford to pay

looby75

DizzyDi wrote: »

Can I just say I work for MH and whilst I admit openly some of the staff can leave a lot to be desired please do not label us all. I always endeavour to be polite and courteous to all customers. We all have a job to do as we all have commitments and I'm afraid I would rather work than rack up copious amounts of debt that I cannot afford to pay

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:


No you aren't at all like some of your rude and judgemental colleagues.

leesmithg

I just got one of these letters this morning.

These people are morons.

I moved house 2 years and 1 month ago from a house I lived at for 18 months from a bungalow I lived in for 14 months and not at any of these abodes did I ever sign up or receive credit from anyone.

When I left these houses, I always had a token/key meter for fuel and received what I was owed from the fuel companies when I moved, I always paid (spit spit) my council tax via direct debit, I have had the same bank always and never been in the red, my I.S.P. took my payments via direct debits, water and sewage by direct debit and I have never owned a credit card.

The only credit I had has been for 14 years with Marshall Ward to which I finally after 3 years of not ordering anything paid the balance last month, so infact I owe nothing.

Took me 3 years to pay off the £3,800 I owed them.

I did phone the National Debt Line and they said, DO NOT CONTACT THEM.

They also said (as I was thinking someone had done identity fraud from a previous address) was DO NOT DO A CREDIT CHECK ON YOUR PREVIOUS ADDRESSES AND CURRENT ONE, as this would be like showing a red rag to a bull and you could then be traced permantly and if other agencies are after you and you have been the victim of identity theft then you will get sack loads of these letters.

I was advised to ignore the letter and if they keep persisting or people come to your house or phone you then they have to provide copies of contracts and signatures you were supposed to have signed as proof.

From all of this advice I get the feeling they are chancers as quoted before at another forum.

Thanks for the information people.

michelleW_3

These idiots are into scaring people. For those of you where the 'alleged debt' is over 5 years old (Scotland) just send them the template letter below (sorry doesn't include England & Wales you have a different template)



McKenzie Hall Ltd
120 Fifty Pitches Road
Cardonald Business Park
Glasgow
G51 4EB


Without Prejudice

Dear Sir/Madam

Account No:

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I would point out that under The Prescription and Limitation (Scotland) Act 1973 Part 1 Prescription Section 6:

“If after an appropriate date, an obligation (an appropriate debt) has subsided for a continuous period of five years:

a) Without any relevant claim having been made in relation to the obligation, and
b) Without the subsistence of the obligation having been relevantly acknowledged;

Then as from the expiration of that period the obligation shall be extinguished…”

I would also point out that the Office of Fair Trading (OFT) say under their Debt Collection Guidance on statute barred debt that:

“It is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

The last written acknowledgment/payment of this debt was made over five years ago and no acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contract from me in the relevant period under Part 1 Section 6 of the above Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

The OFT Debt Collection Guidance states further that:

“continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment”.

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

I look forward to your reply.

Yours faithfully

michelleW_3

Fifer wrote: »

What I'm reading suggests that you only lift the statute barred status ('reopen the debt') by making payments, but I'm sure someone who knows more can clarify this.

Never acknowledge the debt either in writing or verbally. it is time barred. For a copy of the standard letter to send them google Prescription and Limitation Act Scotland, it will bring up a website with a standard letter for you to complete

MothballsWallet

The content of my post is protected by Article 19 of the UN Universal Declaration of Human Rights (subject to the rules of this forum as it's Martin's place, of course).

DizzyDi wrote: »

Can I just say I work for MH and whilst I admit openly some of the staff can leave a lot to be desired please do not label us all. I always endeavour to be polite and courteous to all customers. We all have a job to do as we all have commitments and I'm afraid I would rather work than rack up copious amounts of debt that I cannot afford to pay

If you can be polite and courteous, as you say, why do many of the other posters in this thread reporting that they've had to deal with rude, arrogant and intimidating members of staff, some of whom seem to think they are above the law and rules of common decency and respect?

And why have your management made complaints to other forums/sites and had threads that haven't been too complimentary taken down? That's a definite breach of Article 19 of the Universal Declaration of Human Rights, never mind UK and EU freedom of expression laws.

There's trying to recover debts and there's trying to help people to repay them. There's no need to be rude, arrogant and say things like "this is not a debt collection agency, this is <insert name here>."

How does that kind of behaviour help a DCA, their clients, and the people who've got into debt? Everyone has debt these days, it's a case of making sure you can afford it when you take it on, and ensuring that your creditors will come to reasonable arrangements if you get into difficulty.

Di, how many people who work with you don't have a mortgage, overdraft or credit card? Not many I'd wager.

(Now I'm afraid that MH'll come after me for posting this, even though I don't have any major debts :rolleyes:)

shaqkeifer

HI

my cousin had an old debt with Barclaycard, its over the 6 year period, she received numerous letters from MH and agreed to pay back the debt, 1st payment due on the 15th of December next month, she said they bullied her and told her to ask friends and family for help, is it too lete for her to get them of her back, she didnt ask for anything, because she knew years ago as a student she owed Barclays.

any advice or does she have to make the 1 st payment.

NB she's now disabled and on benefits and didnt want debt collectors coming to her home


please any advise, she's stressed

I only came across this valuable site today

catw75

I'd just like to add to the excellent advice on this thread: if a debt is already statute barred because 6 years has already passed, and you begin making payments again or acknowledge the debt after this time has passed, you do not make the debt enforceable again. Once time barred it stays time barred.

As well as being unenforceable in court, a time barred debt should not be pursued by debt collectors if you are not willing to pay it, because the Office of Fair Trading's Debt Collection states that a debt collection agency or creditor should not carry on trying to chase a debt which you have stated you will not be paying because it is time barred, especially if you have heard nothing about the debt during the relevant period. Pretending court action can be taken when they are out of time could be viewed as harassment by the OFT.

Happychappy

If its a debt you owe, why not pay it ? you are responsible for it, so why not try as hard to pay it off as you do to not pay it off ?