Mackenzie Hall / CCJ

shelbut

Just to say that I have had phone calls from McKenzie (nasty ones), letters from Red Debt Collections and also a letter from Lowell Portfolio, who seem to be at the back of all of it.. chasing me for a debt I do not even owe!

McKenzie are threatening to take me to court if I do not pay within 2 weeks!

It refers to an Abbey National Account I held up until 1999 or 2000.. I never had a loan from the Abbey..

There is so much info regarding these companies if you put their names into Google.. ! None of it positive... apart from the Lowell Portfolios' own website...!

shelbut

Ant55

i to have had a sealed like payslip asking to ring them with ref number mxxxxx by the 18th sept 2007 which i did they ask to confirm my date of birth and my parents address and my current address, they said its concerning a debt of £2700 with barclays visa 1997 which i said i dont remeber and ask for a letter to show wot i owe and that was that.
i do recall now about a visa and havent paid anything into it.
Does the 6year rule apply to me that debts can be rite off after that time as it is 10 years ago! and should i write the letter on thread 3 to them if i hear again? i dont no much about where i stand any help would be appreciated.

rog2

Ant55 wrote: »

i to have had a sealed like payslip asking to ring them with ref number mxxxxx by the 18th sept 2007 which i did they ask to confirm my date of birth and my parents address and my current address, they said its concerning a debt of £2700 with barclays visa 1997 which i said i dont remeber and ask for a letter to show wot i owe and that was that.
i do recall now about a visa and havent paid anything into it.
Does the 6year rule apply to me that debts can be rite off after that time as it is 10 years ago! and should i write the letter on thread 3 to them if i hear again? i dont no much about where i stand any help would be appreciated.

Absolutely - this debt is so 'statute barred' that it should be displayed in a museum. :rolleyes:

rog2

shelbut wrote: »

McKenzie are threatening to take me to court if I do not pay within 2 weeks!

Let them - and when the summons arrives, just put on the 'defence' that the 'debt' is statute barred and MH can bear the court costs. :mad:

debtsaint

These losers buy debt normally written off by from banks and tends to be univerity debt overdrafts etc. They threaten you with lies so you make a payment. If you aknowledge this debt with a payment they've got you even if it isn't your debt. These guys love to be emailed as it save on paper and you can str:beer: aight to the top and complain about the rude donkey phoning you.

Mackenzie Hall was founded in 2003, Collections operation based in Kilmarnock, with Trace operation in Blackburn and Field operation in Newcastle.

Janice King - tel 01563 554542
Paul Mackensie 01563 554540
Gary Jones - 01254 663100

[EMAIL="jking@mackenziehall.co.uk"]jking@mackenziehall.co.uk[/EMAIL],
[EMAIL="pmackenzie@mackenziehall.co.uk"]pmackenzie@mackenziehall.co.uk[/EMAIL],
[EMAIL="gjones@mackenziehall.co.uk"]gjones@mackenziehall.co.uk[/EMAIL]

They also like being told to get F**KED.

Good luck

[EMAIL="abuse@moneysavingexpert.com?subject=Reporting post http://forums.moneysavingexpert.com/showpost.html?p=6321129"][/EMAIL]

Tavira wrote: »

Hi

I have received in the post a letter form a company called Mackenzie Hall. They say they are trying to contact me concerning a 'personal matter'. The letter is on photocopied headed paper and a printed signature. So far I have not contacted them and have no intention of doing so until they contact me with a specific request.

I have done google searches and found they are a debt collection service specialising in old or unrecoverable debts. I did have a CCJ from approx 96/97. I knew about this from a credit report done in 97. However no-one has ever contacted me to sayI owe them money, am in debt, are chasing debt etc etc.

I have 2 questions as follows:

1) Has anyone else come across Mackenzie Hall and what were their experiences?

2) Where do I stand, legally, with having to pay CCJ?

Thanks in advance for your replies.

Tootsie_Roll

rog2 wrote: »

I have not heard of anyone being taken to Court by MH for a debt which is 'statute barred' although it could be possible if the 'alleged debtor' was unaware of the terms of the Limitations Act 1980. I doubt whether the courts would check every claim to make sure that the debt is legally recoverable - especially at the fast-track courts, such as Northampton, which these scum tend to favour.
The problem is that most people are unaware of their rights, under the terms of the limitations act, and many, unfortunately, would tend to pay on receipt of a summons, or fill in the admission of guilt and make an offer of payment, simply to avoid a CCJ.
It is sad, really, that people like MH are allowed to get away with this approach - they rely totally on the fact that the overwhelming majority of the 'Great British Public' are unaware that there are, in fact, laws which govern the collection of certain 'alleged debts'.
If MH were operating out of Nigeria there would be many and frequent warnings of the 'scam' that they are, in fact, operating from the relative 'protection' of the British Isles.
I would say that the number of cases that are reported on this, and other, debt forums, does not even scratch the surface of the total number of ordinary people who become unwitting victims of this disgusting con trick.
The Trading Standards Department, at Kilmarnock - where MH is based - is inundated with complaints about the tactics that MH employ, and, whilst they do their best to investigate each and every complaint, more people will pay up, rather than complain, so, in pure percentage terms the number of complaints made about the behaviour of MH will always be outweighed by those who simply 'keep quiet and pay'.
The 'Old Debt' business is a goldmine for unscrupulous debt collection agencies, of which MH are pretty much at the top of the festering pile.

Rog2

It's posts like this that just confirm your status as a troll hell bent on crusading against any form of debt collection.

I have corrected you on numerous occasions about the inaccuracies of posts like this - why do you persist in openly lying on a public forum ?

Lets not confuse the issue by referring to MH but simply deal with debt that 'may' be statute barred:

1) The debt is still owed regardless of whether any lender/dca can ENFORCE payment via the court sustem.

2) There is no law or guidline preventing any lender or dca writing to the borrower requesting repayment - I must have corrected you on this point at least 6 times and asked you to prove what you claim, so far you have been unable to.

3) Based on 1 & 2 above where is the scam ?

4) As 3 - where is the con ?

5) Have you ever stopped to consider that the reason Trading Standards do nothing is because nothing wrong is happening ?

Really you do yourself no service by continually 'grandstanding' and posting inaccurate advice that could adversely affect someone trying to resolve any financial difficulty they may be having.

inmypocketnottheirs

Tootsie_Roll wrote: »

Rog2

It's posts like this that just confirm your status as a troll hell bent on crusading against any form of debt collection.

Really you do yourself no service by continually 'grandstanding' and posting inaccurate advice that could adversely affect someone trying to resolve any financial difficulty they may be having.

Wondered when the resident TRoll would be along on this thread.

This really is a case of pot,kettle and black isn't it TRoll? Just because you earn your living from a seedy industry, you peddle mistruths and falsehoods to further inveigle people into believing that they are liable to pay a statute barred debt, that has probably been written off and purchased by some second rate scam merchants for pennies on the pound. You make it sound like you are on some crusade, when in reality all you do is support a dubious and often toothless industry.

Tootsie_Roll

inmypocketnottheirs wrote: »

Wondered when the resident TRoll would be along on this thread.

This really is a case of pot,kettle and black isn't it TRoll? Just because you earn your living from a seedy industry, you peddle mistruths and falsehoods to further inveigle people into believing that they are liable to pay a statute barred debt, that has probably been written off and purchased by some second rate scam merchants for pennies on the pound. You make it sound like you are on some crusade, when in reality all you do is support a dubious and often toothless industry.

You can posture all you like - I'll stick to the facts. Unlike your comments all my statements regarding statute barred debt are 100% accurate.

inmypocketnottheirs

Tootsie_Roll wrote: »

You can posture all you like - I'll stick to the facts. Unlike your comments all my statements regarding statute barred debt are 100% accurate.

So you agree that is is all above board to coerce people into paying a debt that is irrecoverable (i.e. statute barred)?

rog2

Tootsie_Roll wrote: »

Rog2

It's posts like this that just confirm your status as a troll hell bent on crusading against any form of debt collection.

I have corrected you on numerous occasions about the inaccuracies of posts like this - why do you persist in openly lying on a public forum ?

Lets not confuse the issue by referring to MH but simply deal with debt that 'may' be statute barred:

1) The debt is still owed regardless of whether any lender/dca can ENFORCE payment via the court sustem.

2) There is no law or guidline preventing any lender or dca writing to the borrower requesting repayment - I must have corrected you on this point at least 6 times and asked you to prove what you claim, so far you have been unable to.

3) Based on 1 & 2 above where is the scam ?

4) As 3 - where is the con ?

5) Have you ever stopped to consider that the reason Trading Standards do nothing is because nothing wrong is happening ?

Really you do yourself no service by continually 'grandstanding' and posting inaccurate advice that could adversely affect someone trying to resolve any financial difficulty they may be having.

I regret to see that you are back trolling these boards T Roll - I was almost beginning to enjoy your absence.

I am not reporting your post as 'abusive' at least for the moment, because I think it would be a good idea for those 'Newbie' posters, who haven't yet come accross your vitriolic posts, to see just how sad you really are.

I will be happy when you are finally expelled from MSE, as you already have been from at least two other Debt Counselling forums, for your libellous posts, and your incredulous 'defence' of the 'lowlife' that inhabits the cesspit of the 'debt collection' fraternity.

Why don't you just crawl back into the festering bog, beneath your bridge - open the bottle of hemlock that Mackenzie Hall sent you for Halloween and try and get a life of your own?

In other words - Get off my back you evil old scroat.