Mackenzie Hall / CCJ

inmypocketnottheirs

santay5036 wrote: »

This is really stressing me out. Can anyone advise me what to do please?

Thanks
Sandra

Ignore them. When they phone hang up. When they write, obliterate your address and mark the envelope 'return to sender'.

They do not have a hope in hells chance of getting you in to court. They will only get any payment from you if you weaken. And that is what they are relying on. They bully, harass and intimidate.

Just like a school ground bully, ignore them and they will move on.

Do not under any circumstances, admit liability or agree to pay them anything.

HTH

santay5036

Thanks for such a quick reply.

I have not admitted anything because I don't owe any money.

I have found a letter on the Consumer Action Group that I am sending to them tomorrow with a £1 postal order. The members on there reckon they will not respond.

I have calmed down now and I will not take any further phone calls from them.

Once again, thank you for your quick reply.

Sandra

inmypocketnottheirs

Sandra. If you wish PM me their number and I will phone them and give them some grief! Am having a hard time at the moment so could do with a vent!

rog2

santay5036 wrote: »

Thanks for such a quick reply.

I have not admitted anything because I don't owe any money.

I have found a letter on the Consumer Action Group that I am sending to them tomorrow with a £1 postal order. The members on there reckon they will not respond.

I have calmed down now and I will not take any further phone calls from them.

Once again, thank you for your quick reply.

Sandra

Sandra - Save your £1 - The 'Alleged Debt' dates from 1998. Providing you have made no payment towards, nor acknowledged in writing, this alleged debt, then it will almost certainly be 'Statute Barred' under the terms of the Limitations Act 1980 and providing that you tell them that you do not intend to make any payments, because the alleged debt is 'statute barred' (AND [EMAIL="THAT@S"]THAT'S[/EMAIL] ALL YOU NEED TO TELL THESE SCUM) they can no longer pursue the debt.
The template letter, that you need, can be found on the National Debtline website; http://www.nationaldebtline.co.uk/england_wales/temp/3185_45141.pdf

KITTYKAT8_2

The registry trust only holds details for the last 6 years is there any of finding out if there is a CCJ registered if there was one it would be 15 to 20 years old. If MH were to reapply to the courts to reregister the CCJ would the court write to me to let me have a chace to put it aside. What action can MH take if they do not go back to court.


Marion

rog2

KITTYKAT8 wrote: »

The registry trust only holds details for the last 6 years is there any of finding out if there is a CCJ registered if there was one it would be 15 to 20 years old. If MH were to reapply to the courts to reregister the CCJ would the court write to me to let me have a chace to put it aside. What action can MH take if they do not go back to court.


Marion

I don't think that the court will write to you, but you have every right to demand that MH give you FULL details of any alleged CCJ and, once you have these details, then YOU can apply to the courts to have the CCJ set aside.

jsppatrol

This company has made a shed load of cash by buying old debts for next to nothing from Banks and chasing the debtor and bluffing them into paying it. I have been on the receiving end of Mackenzie Hall so got in touch with trading standards who advise that any debt over 6 years old is statute barred providing you haven't made any payments on the debt, if you agree to make a payment to Mackenzie Hall then you acknowledge the debt and then they can legally get the money of you. I have made a complaint to trading standards. Because Mackenzie Hall is not a nice experience (they adopt the tough attitude on the phone) I would strongly encourage anybody who has received these cheap photocopied demands for cash, to report the matter to T S and maybe with enough complaints we can get them legislated. But to those of you who have received a letter from them, don't worry, write to them telling them you don't acknowledge the debt, the amount in question (if older than six years) would be under limitations act and therefore STATUTE BARRED. It would be great to hear from anybody who has had dealings with this firm or any simular because I am compiling a web site purley dedicated to help defend people from companies such as these. my direct contact is [EMAIL="alan@jsponline.co.uk"]alan@jsponline.co.uk[/EMAIL]

bigian41

jsppatrol wrote: »

I have been on the receiving end of Mackenzie Hall so got in touch with trading standards who advise that any debt over 6 years old is statute barred providing you haven't made any payments on the debt, if you agree to make a payment to Mackenzie Hall then you acknowledge the debt and then they can legally get the money of you.[EMAIL="alan@"][/EMAIL]

I had original contact from a company called "Lowell" and offered £10/week which they refused, to pay a debt to Abbey National from about 10-12 years ago. Also had letter same day from DCA called "Red Debt Collection Services" who are part of the same group. Have now had a letter from Mackenzie Hall following many texts and phone messages from them, none of which i have replied to, and don't intend to.. Would like to know if MH have a case as i have not acknowledged any debt to them but might have in a phone call with Lowell. I have NOT or never have acknowledged the debt in writing to any party including the original creditor,(Abbey National). Everyone on this subject says this has to be done "in writing" for it to be formally acknowledged. Please advise me what my best options are. Look forward to any and all helpfull advice.. Keep up the good work.:T :T

rog2

bigian41 wrote: »

Would like to know if MH have a case as i have not acknowledged any debt to them but might have in a phone call with Lowell. I have NOT or never have acknowledged the debt in writing to any party including the original creditor,(Abbey National). Everyone on this subject says this has to be done "in writing" for it to be formally acknowledged. Please advise me what my best options are. Look forward to any and all helpfull advice.. Keep up the good work.:T :T

You are correct - any 'acknowledgment of an 'alleged' debt, by the debtor, must be made in writing. If you have not made any payment to, or acknowledged the alleged debt, in writing, for a period of 6 years, then the 'alleged debt' will fall under the terms of the Limitations Act, 1980, and becomes statute barred.
This means that once you have informed the creditor/dca that you will NOT be paying the debt because it is statute barred (the ONLY reason you need to give) then the 'alleged debt' can no longer be pursued through the legal system, and the dca should cease al further attempts to pursue you for payment.
There are a couple of exceptions, notably on certain 'Crown' debts and 'property related debts'. HOWEVER, in the case of property related debts, such as mortgage shortfalls, the Council of Mortgage Lenders have agreed, voluntarily, to be bound by the terms of the Limitations Act.
There are some template letters, that you can send to the Debt Collector/Creditor on

http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6

em5669

Hi, I have read through much of this thread and whilst it is very helpful (thanks all!) I am tying myself up in knots and would really appreciate some help!

At the beginning of August I received a MH letter from Viktor! The letter was concerning a 'personal matter' and asked me to contact them. Having read this thread I ignored the letter and reported it to Watchdog.

The same day I checked both my Experian and Equifax reports as to the best of my knowledge I do not have any outstanding debts. As expected the reports showed nothing dubious. I was a student between 1997 and 2002 and got into the usual debts with overdrafts, credit cards etc but I know that these are all settled now. I have not received any letters from any other companies, banks etc stating that I owe any money and whilst I have moved around a lot I have always quoted previous addresses etc when appliying for further credit so I would not consider myself difficult to get in touch with.

Anyway, all the factors above lead me to feel quite confident in ignoring the letter. HOWEVER, today I have received another letter, this time in a perforated leaflet style, almost like a wage slip. This letter states that I must contact them by 17 September and they need to speak to me urgently about a specific reference number.

I am really confused as what to do now. Do I ignore this one? I would expect that if they were confident in what they are saying then they would contact me stating what this 'urgent matter' actually is? This is really worrying me now and I would really appreciate any advice you may be able to give me. Especially if someone has received the same two letters as me without any specifics in them.

Thanks in anticiation

Em