Mackenzie Hall / CCJ

I_know_my_ABC_and_my_CMYK

One point for anyone who does have debts they are dealing with is that National debt line has loads of info on its website. The info you will find on CCCS is different. I spoke to CCCS who told me to continue with the DMP regardless of a CCA being produced or not, the info on NDL is more informative. Not trying to knock CCCS here as they have helped me tremendously just pointing out that the way to go with this does seem to differ.

ragz_2

Just to update. I sent MH the template letter over 2 months ago and have heard nothing since! Yay! Only I did request they confirm in writing that they will not be pursuing my partner for the debt any longer, and we have had no letter...

rog2

ragz wrote: »

Just to update. I sent MH the template letter over 2 months ago and have heard nothing since! Yay! Only I did request they confirm in writing that they will not be pursuing my partner for the debt any longer, and we have had no letter...

MH are not known for 'replying' when they are unlikely to make any money out of you. The important thing is that you keep a copy of your letter along with the proof that MH signed for it.

rog2

I have 'resurrected' this thread to let anybody who has had, or is having, the misfortune to be on the receiving end of the often vile tactics of Mackenzie Hall, that their 'behaviour' has, finally and fortunately, incurred the anger of the Office of Fair Trading, and that MH are, currently, on a 'final warning' with the imposition of conditions as to how they deal with diputed debts.

For full details see: http://forums.moneysavingexpert.com/showthread.html?t=1639473

lika-hybrid

I just rec'd a text message from Mackenzie Hall..it told me to contact Feefee.
Never heard of them before so I looked em up on google and got myself here.
I can see that they like to try and bully people into paying debts they do not owe.
I am looking forward to them trying that tactic with me.
Should be great fun...I am not exactly a shrinking violet

Regards

Lika

Sol00

Do you know what they may be contacting you for? Mackenzie Hall have had their wrists slapped recently.

Chris99t

Hi I recieved a letter from MH on Friday, 24/04/09, stating that they were trying to contact me on a personal matter. I immediately called the number and confirmed my name and address, which was on the letterhead anyway. A lady called Stacy informed me they were chasing a debt from 2002 when I lived in Scotland. The debt was from a BofS 'Preference Account'. I did have such an account but shortly after leaving Scotland and going to germany(I was a serviceman) I cleared all my outstaning debts with the assistance of Experian. The cleared debts were all confirmed on my credit report.

I did have all my letters, reports and statements from as far back as 1984 but as luck (and a lack of storage space) would have it, I shredded four large recycle sacks of old documentation in January this year. This means the proof I would have had is now someone elses toilet paper. It is now nearly seven years since I moved.

I have read a great deal of this thread and need to point out that I did not admit to the debt though I did admit to having a Preference account and clearing the account. Stacy asked me to obtain proof I had settled the account and call back today (Monday)

The advise on this string seems tobe the letter asking for proof of the debt, which I will do, but is there any other advise to assist me. The total quoted was £1137.26 but if I paid by end of May it would only be £796.

Chris

Sol00

The proof is on them to prove you owe the debt. You shouldn't speak to them over the phone and instead, send everything in writing. Advise them of what you've stated here and that you want them to prove you owe this amount.

rog2

Chris99t wrote: »

The advise on this string seems tobe the letter asking for proof of the debt, which I will do, but is there any other advise to assist me. The total quoted was £1137.26 but if I paid by end of May it would only be £796.

Hi chris - I hope that you did NOT phone MH yesterday - in fact I would strongly reccomend that you NEVER phone them as they are particularily adept at twisting your words, into not only an admission of liability to what would appear to be an unenforceable (assuming it actually exists) debt, but also to 'tempting' you into quoting your all-important (to them) debit card number.

It is, as already said, legally up to MH to prove that the debt exists, and that it is legally enforceable. From what you have said this 'debt' would appear to be Statute Barred both in Scotland, where you had the account, and in the rest of the UK.

Basically, if a debtor has made no payment towards a debt, nor acknowledged it, in writing, for a 'Limitation Period' of six years (five in Scotland) then the debt becomes Statute Barred and is unenforceable through the Courts. Mackenzie Hall 'specialise' in trying to collect against such debts on the 'premise' that most debtors are ignorant of the rights afforded to them under Law.

They have been told, by the OFT, not to pursue such debts, but it would appear to be blatantly obvious from your case that they are treating the OFT's warning with the same contempt with which they have treated the Law, and debtors in general, since their foundation.

If you have a look at the link to fermi's thread regarding the OFT warning - http://forums.moneysavingexpert.com/showthread.html?t=1639473 - you will see that the OFT would like to hear from anyone who is being chased by these vulture for 'debts' that are unenforceable through the courts. For convenience sake I will print the address to which communications should be addressed:

Enquiries
Office of Fair Trading
Fleetbank House
2 - 6 Salisbury Square
London
EC4Y 8JX

Email - [EMAIL="Enquiries@oft.gsi.gov.uk"]Enquiries@oft.gsi.gov.uk[/EMAIL]

For an overview of how The Limitation Act (England/Wales) and the Prescription and Limitation Act (Scotland) affect your liability towards any debt from 2002, plus template letters to send to MH, have a look at the following links:

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

Chris99t

I did call them though I gave them no debit card details. I will send the letter and see where we go from there.

Chris:rotfl: