Mackenzie Hall / CCJ

nadnerb_2

Today we got a letter addressed to someone else with a name I don't recognise. We get a fair amount of mail for the usual names of the previous tenants, but I've never seen this one.

Anyway, it looked like one of those scam letters with URGENT, not a circular etc on it and finding these types of things intersting, I opened it.

Turns out this person 'owes' £2500 and Mackenzie Hall have made repeated efforts to get in touch so they are now going to send round the 'field collectors'.

Like I said, this is the first letter in this persons name in the 6 months we've lived here so already their repeated attempts of contact are untrue.

I'm guessing this is bull poop?
Do I have anything to worry about besides opening someone elses mail?

BASFORDLAD

No you having nothing to worry about lol,
they havent made any effort , they always say that
No one will call round, if they do , show them your doorstep or field if they are a field or doorstep collector lol!!!

nadnerb_2

I thought so, cheers.

James_Kellett

Now on my 7th letter from MH. They certainly are persistant. Where the last said I could pay a reduced amount the latest sends a standing order mandate to allow me hassle free easy repayments. As with the previous 6 I will ignore this request also. Has anyone else come across such prolonged contact for the princely sum of £66.77?

SAL-GAL53

They are just leeches!! The only way I got rid of them is by sending a letter telling them about harrassment and the statute barred law and that shut them up! They know they haven't a leg to stand on but will keep on and on in the hope of getting money out of unsuspecting people!

duncans_mum

My parents have received a letter for my ex husband (which they opened as it said Urgent) - he never lived at their house, just stay for one week five years ago. My mum has sent them an email to the 'goneaway' email address telling this and that they didnt give him permission to use their address and that all they know is that he went to Oz about 4 1/2 yrs ago (which he did).
Having read the posts I am worried that they shouldnt have sent the email to them!!
I REALLY hope they dont start harassing them as they are old

Squarlies

I've read the entire thread today and feel that maybe I'd be covering some old ground with a complete explanation. As you can gather I received a letter from MacKenzie Hall, states they are acting on behalf of Lowell Portfolio 1 Limited for the principal sum of £179.90 (original creditor 3 Mobile Z). Usual claims that they have tried to contact me (there were a few 0800 number calls to my husbands mobile, only 1 voicemail which when replayed was some random music) They then go on to make the usual threats etc. I am not too worried if they are daft enough to turn up on my doorstep etc and part of me is tempted to ignore the whole stupid thing which certainly seems to be the concensus on here. The fighter in me wants to send a CCA(?) but the templates I've seen say I need to write asking for copies of the 'alleged agreements refered to in the letter' but my letter does not refer to any agreements at all. Do I have the pleasure of looking forward to a further letter or should I just ask for details of the alleged debt?
Any advice would be gratefully received.

LiSeY_3

read through all NINETEEN pages of Mackenzie and have my own to add.

received a text message today from 'MackHal'
"Please contact Amy at Mackenzie Hall urgently on 01563556057 quoting reference number MXXXXXXXX, or visit us at (mackenziehall website)"

Best part? I've only been in the country 3 years. I have ZERO debts. AND, this is an office mobile I inherited.

It's so obviously fishing....

Scouse1

Hi all complete newbie to this site, so forgive me if this post comes out all wrong. i have read dozens of the post's about MH, and sadly i'm also experiencing similar letters, txt's, land line electronic messages. out of the post's i've read i've not seen any that mention any actual visits to your front door, could anyone perhaps advise how best to deal with the situation. i have been advised to acknowledge nothing not even if i am the person they are looking for in regard to outstanding debt. my story is a very complicated one i'm afraid but more than happy relay full details if it helps. in brief have a debt from a credit card company (two cards) that i ran up in about mid 2004. started making standing order monthly payments to another DCA. november and december that year two payments where returned by bank 'not enough funds' they (the bank) then cancelled the SO. I received a phone call / letter cant remeber which from original DCA in January 2005 and i made a payment over the phone of the missed payments and the one that was due in January. i have moved several times over the years mostly in digs, the bank have told me recently they would have sent a letter informing me that they intended on cancelling the SO, i have never received it, and was oblivious of the fact until the MH letters started promted me to investigate. i have not been on a electoral roll for years, this all seems to have started when i tred to apply for a credit card from a very well known high street supermarket a couple of months ago. i cant seem to get a credit history check as i cant remember all of the addresses i stayed at, i cant find out if there are any CCj'S in my name, and if i'm being honest, i'm very concerned now about putting my info out 'there' any suggestions / advise would be appreciated

ABCD_3

Hi guys

Can some of the experts cast their eye over the following exchange between myself and the compliance manager at MH. Any comments?

---

My mail to MH;

How about when the client that you are reffering back to is already aware of the fact that the alledged debt is satute barred? Because your client is fully aware that this particular case is unenforceable but still commisioned yourselves to chase?

So two things come to mind - either the client are in breach of the guidelines or MH are? Which is it? I cant imagine them passing you the account without divulging the accounts status so i conclude you are both in breach of the points below and both parties are in full knowledge of the facts. You are both in cahoots attempting to recover this through subterfuge and deception.

A different letterhead and varying threatening letters dont amount to diddly squat mate.
THE OFT REQUIRES AS FOLLOWS:
1. That as of 15 April 2009
1 .I Mackenzie Hall Limited will not carry out Debt Collection Activity where it has been informed, in writing, that there is reasonable cause to believe that the debt is in dispute.
1.2 Mackenzie Hall Limited will not carry out Debt Collection Activitywhere it has been informed, in writing, that the account is statute barred.
Debt Collection Activity is defined as:
a) sending debt collection letters;
b making of debt collection calls;
c) the use of any other medium for the purpose of collecting anoutstanding debt; or
d) the acceptance of payments offered against a debt.

You client has been advised on numerous occasions in writing but still went after an illegal collection through yourselves.

I can guarantee you that it statute barred so would like you to base your decsion on my following request on this real but hypothetical situation.

I REQUIRE YOUR EXPLICIT GUARANTEE that this matter will be closed once I reveal the details.

I also require the following action from MH:
1. All payments made to date to your client for this account should be refunded in full.
2. Removal of all defaults entered by your client and MH respectively.
3. I look forward to compensation under Section 13 of the Data Protection Act 1998 to be offered for the processing of my data in the manner it has been done over the past number of years.
4. After a full refund of all payments and compensation are received by myself, you will be required under Section 10 and Section 12 of the Data Protection Act 1998 to cease and desist all manual and automatic processing of my data within your company and any other company within your group.
If you do not respond positively to my request, court action may be taken under Section 14 of the Data Protection Act 1998 to force your client and MH or any other company within the group to comply with the refund of all monies paid, removal of all defaults maintained and compensation for damage and distress as a result of unlawful data processing. I may also pass the matter to the relevant enforcement authorities including, but not limited to, the OFT, the Information Commissioners Office, Trading Standards, the CSA, the FOS and my local MP.

Yours in anticipation.

---

Response frm MH;

Dear Sir/Madam,

Mackenzie Hall cannot take responsibility for any purported failings of our clients. We act in good faith based on the information provided to us, and whilst we may be aware that accounts are statute barred prior to our assignment that in itself is not a breach of any guidance or requirements imposed upon Mackenzie Hall.

The requirements relate to Mackenzie Hall being informed by an account holder that the debt is statute barred not by our client.

For further clarity may I draw your attention to the Office of Fair Trading Debt Collection Guidance (2006), and in particular section 2.14.

Should our clients have been informed that the balance due was statute barred and therefore protected under the Limitations Act 1980, may I suggest that you direct your query and complaint to them directly.

I cannot give explicit guarantees that this account will be closed once you reveal the details to me, I can however give you an explicit guarantee that should the account be statue barred then it will be closed with immediate effect.
Furthermore, without being furnished with the full details of this matter I cannot agree to the points 1-4 at this present time.

Regards
XXX XXXXX
Compliance Manager