Mackenzie Hall / CCJ

laurajc1982

do you know if there are any letter templates that i can use to do this? I dont know the law and my rights so i dont want to write anything in the letter that isnt incorrect.
Thanks

richles

:rotfl: Hi , just visit the Inland Revenue Website and look under STATUTE BARRED DEBTS, if its over 6 years and you have not made a payment or made contact. Dont acknowledge the debt. Its under the Limitations Act 1980. www.hmrc.gov.uk/manuals/IHT/manual/IHTM28384.HTM

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.

kjc666

Just had a letter from "Mackenzie hall",: - " blah blah blah personal matter blah", phoned through, got through, and they picked up the receiver then put it down, tried again, got through, same again.

Having read a few of the replies to this thread, I decided to phone the number, and try and find out what monies (if there are) were owed, and from when.

Anyway, has anyone else had this problem? I mean, if they were that interested in collecting "spent" debts, wouldnt they answer all calls?

Ms-Pacman

if they phone you, try and mention the word bolocks. Apparently they get really offended by this word and refuse to speak to you.

What happened in my situation is dealing with various debts my partner and I have by requesting CCA's trying to calculate true debts not so called charges these debt collectors stick on top. The bank and loans one alone will deal with later.

Any sent usual CCA request to Cabot who meantime passed the debt to Mackenzie which whilst an account is in dispute thay are NOT allowed to do this. Explained this to Mackenzie said sorry they should not have done this and I would be haapy to copy them in the letter I was about to send to Cabot re non compliance with CCA request.

Mackenzie - well a young chap working there, said that they don't have to prove anything and that we have to pay. I asked him well ok if I sent you a letter saying you ahve to pay me and x amount, then I don''t need to prove you owe it, so pay now please. He said I was being stupid and I explained I was trying to get my point across why we wanted proof this debt was actually owed as neither my partner or I recognised it He continued to say we don't have to prove it to which I told him he was talking bolocks.

This is the funny buit, he got all offended and said he would end the call as I had been rude.
I was rather confused and asked what part was rude to which he said the B word.
I said "what bolocks?" not expecting him to be offended by that, but he was and hung up on me.

Finding this greatly amsuing I decided to call them back and spoke to another chap who wasn't offended by the word mentioned although I promised not to say the word and only spelt it out so he could see what word offended his colleague - think he was quite amused. I explained again that I understood what they were trying to collect but as we had no details about this so called debt we had asked Cabot the original debt collector, for details and which we had not had a response yet. I advised I would copy them in the corrospondence and update on a response to which was accepted.

leetter was sent of on Saturday, too early for anything yet.

BUT I have just had a phone call on my mobile from them asking to speak to my partner to which I advised the chap he was calling my mobile and that my partner was at work. I asked if he could speak to me and gave my name to which he said it says on their system that they cannot speak tp me as I am rude. I laughed at this and asked them to removce my mobile of their system as it was pointless them calling me if they couldn't talk to me, They said they can't do this as its the only contact number they have for my partner and could I ask him to call them. i said no as I am not his personnal service delivery person and to contact him yourselves!!!!


of course I did tell my partner and he won't be calling them back but this has been quite fuuny.

Just waiting to see what Cabot send back in response to the letter I sent...

kjc666

Just had a letter from "Mackenzie hall",: - " blah blah blah personal matter blah", phoned through, got through, and they picked up the receiver then put it down, tried again, got through, same again.

Having read a few of the replies to this thread, I decided to phone the number, and try and find out what monies (if there are) were owed, and from when.

Anyway, has anyone else had this problem? I mean, if they were that interested in collecting "spent" debts, wouldnt they answer all calls?

The number on the letter for the SMS (87202) is £1.50 per text, and can be traced through http://www.phonepayplus.org.uk
where it is an external company, (third party), Come on Mackenzie Hall! how much more suspicious do you wanna get? at least get your own personal numbers.

Also, what may be useful, is this following link http://www.ukdata.com/creditreports/viewCompanyDetails.do?companyId=SC255891

if you click on this you will see why!
Hope this info helps..

Ms-Pacman

it edited the word, apparantly this site dont like the word either, it starts with b and rhymes with hollocks

Ms-Pacman

Mackenzies hall number is 01563556700 if you must speak to them,

laurajc1982

laurajc1982 wrote: »

Thank you, I have just amended the "prove-it" letter and am going to the post office to send if recorded delivery today. I will wait and see what happens.

Thank you so much for your help, I was/am very worried!

I posted the prove it letter by recorded delivery which got delivered the next day, about a week later they, Mackezie Hall, left me another voicemail which I ignored, I then received a text which again I ignored and thismorning in the post i received a letter saying that received no response to their previous letter and if i dont contact them they are going to pass the account to their field collectors who will call within the next 7 days.

What should I do know?

spammylou

redlilly wrote: »

Hi i'm new here and have been reading the threads on MH i also had a letter from them last week asking me to urgently get in contact with them, didn't know who they were so phoned big mistake!!! It apparently was for a debt i had with Barclays bank (one i never knew exsisted) it is for about £500 and was from 1998, i was at the time living with my partner who got me in to quite a lot of debt by fraudently using my name to get credit for stuff, now i did have an account with Barclays but it was a basic thing no overdraft etc, infact i think the card was a visa electron so would only debit what was in account. The one thing i did have was a cheque book i am wondering if he got his grubby little hands on it and the above has happened, until MH got in contact with me i didn't know anything about this debt, and explained to them what i thought may have happened but obviously it was a long time ago and i can't remember what happened yesterday let alone 8 years ago!!!! but i did not admit to the debt being mine, the first person i spoke to was extremely rude and told me it was my fault i was in the position i did explain i was at the time only 21 and in an abusive relationship so didn't really know any better, that was also my own fault this guy had me reduced to tears i couldn't understand why he was being sooo horrible to me, i managed to get someone else on the phone and they told me if i got a crime ref. No. from the police it would be invesigated by the fraud team, i haven't yet gone to the police as i feel abit stupid and i haven't spoken to MH since either, what should i do now???????

Please help :-(

DO NOT REPLY TO THEM IN WRITING. Once you do, they have the powers to re-open a debt even if it is over 6 years old. They cannot do ANYTHING otherwise. :rotfl:

rog2

spammylou wrote: »

DO NOT REPLY TO THEM IN WRITING. Once you do, they have the powers to re-open a debt even if it is over 6 years old. They cannot do ANYTHING otherwise. :rotfl:

No - this is a popular misconception, and one on which DCAs will try to 'capitalise' but the truth is that once a 'debt' becomes statute barred it remains statute barred - even if the 'debtor' has made payments towards the 'debt'.
To clarify - the 'Limitation Period' for Consumer Debts is Six years in England and Wales, and Five years in Scotland.
Providing the 'debtor' has made no payments towards the 'debt', nor acknowledged the 'debt' in writing, during that 'Limitation Period', then the 'debt' becomes 'Statute Barred'.
This does NOT mean that the 'debt' is written off, or disappears. However, it does mean that, once the 'debtor' informs the creditor, or dca, that he/she will no longer be making any payments towards the 'debt' as it is 'Statute Barred' (and that is the ONLY reason he/she needs to give) then that 'debt' can no longer be pursued through the Courts. The DCA/creditor should, also, cease all other attempts to 'collect', including any reference to a debtor's 'moral' obligations to 'repay' this 'debt'.
There are, of course, certain exceptions to this 'rule':

• Property Related Debts, including mortgage shortfalls. These have, legally, a 'Limitation Period' of 12 years, although most mortgage lenders' have, voluntarily, agreed to respect the Six (Five in Scotland) year 'Limitation Period' that is applicable to other consumer debt. The 'sting in the tail' here, though, is that, unlike normal 'debts' where written acknowledgement must come from the 'debtor' they have put a 'proviso' that written correspondence from the creditor to the debtor shall constitute 'acknowledgement' of the debt.
• If a CCJ has been obtained, then the 'debt' does NOT, normally, fall within the terms of the Limitation Act, although, as often happens, if a DCA is trying to collect against a CCJ that is more than Six (five in Scotland) years old, then that DCA may have to apply to the Courts for permission to 'enforce' the riginal CCJ, and must show good reason why he has not been able to enforce the CCJ within the normal 'Limitation Period'.

For more information on the Limitation Act, have a look at the National Debtline Website on the following links, where there are also template letters that you may send to the DCA in question:

England/Wales http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

Scotland http://www.nationaldebtline.co.uk/scotland/factsheet.php?page=23_prescription_and_limitation_act

In fact, and spammylou - I fully understand where you are coming from, so please don't take this as in any way a criticism of your advice - I would go so far as to say; NEVER phone a DCA, especially one of the 'ilk' of MH, as they are trained to twist whatever you may say to their advantage. Keep ALL correspondence in writing - don't worry the template letters are NOT in any way an 'acknowledgement' of debt. If you are worried, do not sign your name, instead, just print it.