Mackenzie Hall / CCJ

rog2

the_don wrote: »

DO NOT ADMIT TO HAVING THE LOAN UNTILL YOU HAVE DONE THIS OR THE 6 YRS START AGAIN .

Hi don - I'm pleased to see that you got a result out of these scavengers - even though it took 3 hours. :eek:

I'd just like to put your mind at ease over one point, just so you don't worry:

If, and when, a 'debt' becomes 'Statute Barred', by virtue of the 'debtor' having made no payments towards it, or no written acknowledgement, for a continuous period of six years (five in Scotland) then that 'debt' remains Statute Barred.
Acknowledgements of the 'debt', whether in writing or by phone, even any payments made towards it, will not alter the 'status' of the debt.
In spite of what people like MacKenzie Hall would like you to believe, once a debt becomes Statute Barred that debt remains Statute Barred - that is the Law.
It is sufficient for a 'debtor' to inform the creditor, or dca, that he/she will no longer be making any payments towards that debt because the debt is Statute Barred (NO further reason is necessary) and the creditor/dca must cease all 'collection activities'.
MacKenzie Hall know this - they just assume (or hope) that their intended victims do not.
As they are, currently, on a 'Final Compliance' warning, from the OFT, for their 'behaviour' in pursuing 'unenforceable debts' then you, or anyone else who is being pursued by this greed driven horde of wolves, should consider reporting their behaviour to the OFT.
The actual OFT 'requirements' for MacKenzie Hall can be viewed on the following link:

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/requirements.pdf

I strongly recommend that, when informing MH that a 'debt' is Statute Barred, 'debtors' should print off a copy of these specific requirements and staple them to any letter that they send to MH.

Jan_Wan

Hello all

I have received a letter from MacKenzie Hall requesting payment saying they have made enquiries with the Land Registry and they have received formal confirmation that I am a home owner and that they are going to commence legal proceedings.

I have emailed them 3 times in the last 10 days and to date they have not responded to me. I do not want to call them just to get "bullied and being made to feel small". I am conscious that they will put a charge on my house. Does anyone have any suggestions for me please.

Thanks v much :-)

rog2

Jan_Wan wrote: »

Hello all

I have received a letter from MacKenzie Hall requesting payment saying they have made enquiries with the Land Registry and they have received formal confirmation that I am a home owner and that they are going to commence legal proceedings.

I have emailed them 3 times in the last 10 days and to date they have not responded to me. I do not want to call them just to get "bullied and being made to feel small". I am conscious that they will put a charge on my house. Does anyone have any suggestions for me please.

Thanks v much :-)

Have they 'told' you what the debt is, that they are chasing you for, JW?

Jan_Wan

Hi
Yes its for Black Horse Ltd -its says on the letter. I am not going to dispute the debt and have offered in my 3 emails to pay by instalments but if they ignore them what can I do. Maybe I can write and send by recorded delivery??

BASFORDLAD

Jan_Wan wrote: »

Hello all

I have received a letter from MacKenzie Hall requesting payment saying they have made enquiries with the Land Registry and they have received formal confirmation that I am a home owner and that they are going to commence legal proceedings.

I have emailed them 3 times in the last 10 days and to date they have not responded to me. I do not want to call them just to get "bullied and being made to feel small". I am conscious that they will put a charge on my house. Does anyone have any suggestions for me please.

Thanks v much :-)

This is just a scare tatic.

You must challange the debt!!!

jammin_2

BASFORDLAD wrote: »

You must challange the debt!!!

Not if it's valid you mustn't.

rog2

Jan_Wan wrote: »

Hi
Yes its for Black Horse Ltd -its says on the letter. I am not going to dispute the debt and have offered in my 3 emails to pay by instalments but if they ignore them what can I do. Maybe I can write and send by recorded delivery??

You should always send letters to any Debt Collection Agency, especially MacKenzie Hall, by recorded or registered, signed for, delivery.

Have a look on the National Debt Line website - https://www.nationaldebtline.co.uk/

There are some excellent 'template letters' that you can use to make your 'offers'.

the_don_4

after reporting mackenzie hall to the oft and the fso i got a letter 2day from them telling me the account with them is now closed and have sent the account back to marlin :j:beer: as they have no reason to chase the debt. i thought mackenzie hall buy debts from other people can any1 confirm this for me......?
but anyway so far 1-0 to me see wot happens next.:T

rog2

the_don wrote: »

after reporting mackenzie hall to the oft and the fso i got a letter 2day from them telling me the account with them is now closed and have sent the account back to marlin

Marlin are another 'extremely dubious' bunch of cowboys. They were featured on a recent Channel 4 Dispatches programme, for employing just the same underhanded tactics that MH have become infamous for.
If you hear anything from MARLIN, I would be inclined to report them to the OFT as well, since DCAs should not 'exchange' details of disputed debt.
Anyway - legally, at least, MARLIN will not be able to to anything, but they can be a right pain.

the_don_4

thanks rog2 thought as much :beer: