Mackenzie Hall / CCJ

loupop25

The fact of the matter is I am perfectly willing to pay for any debts incurred in my foolish past now as running away from them got me into the original mess in the first place. What I don't want however is to be paying money to a company whom I know nothing about and who cannot produce the proof to quantify the alleged debt. It would be tantamount to throwing money into a fire. My main concern with all of this is simply whether paying back these people will actually not be that at all which is precisely why a clear contract of the 'whys and wherefores' is essential to me.

bottleofred

Hi Tavira,

As I'm sure you have now gathered, Muck Hall are a bunch of barstewards who intimidate, belittle, bully and harass people into paying for debts that are usually statute barred or very close to being statute barred. DO NOT deal with them by telephone and communicate only in writing with them as the staff tend to stop at nothing! For anyone who may owe them money, I suggest you send the prove it letter I'll attach below. I'll also attach the only communicate with me in writing letter as they are leeches!! It's also probably better to print your name or sign it digitally as some less unscrupulous companies have been known to copy signatures and then transfer them to the required document. Honesty eh!!

If you need any more advice just add to the thread

1 High Street,
Newtown,
Kent
R21 4RH
October 9, 2007

The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Ref: xxxxxxxxxxx

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

We would point out that we have no knowledge of any such debt being owed to The Loan Company.

We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question.

We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

We look forward to your reply.

Yours faithfully





Mrs A N Other

Dear Sirs,

Account No: XXXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls and I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Be advised that any further telephone calls from your company may be recorded and used in evidence and I expect this harassment to cease immediately.

Yours faithfully




Sign digitally

jonty1970

I have had a letter from Mackenzie hall too

"Reduced settlement offer"
Dear miss XXXXXX
Pursuers - Phoenix Recoveries
Original creditor - A Catalogue Company
Amount due £800

Full and final setllement offer - Pay now - £500

Or else!

I already have a CCJ for this debt. I have been ill for a few years and not been able to manage my affairs

I have not spoken to anyone and buried my head in the sand

What can I do please? CAB said I should have fought the court case (it was about 3 years ago) but now said there is not much they can do. As, you can't get blood out of a stone

My only plan would be to contact the catalogue company and start to pay them weekly, instead of money going to debt collectors

Any ideas please?
And thanks!

chuckley

today they sent me like the fourth or fifth 'final demand' letter. they received my email and offer of payment. Do they just resend the same letter over and over?! ill post them a letter reiterating the email. twonks.

Gordon_Hose

Am I right in assuming that if Muck Hall did take someone to court for a debt, that the debtor would get court papers in the post, and a CCJ wouldn't just appear on credit files?

Big.Banny

Can i ask if the debt becomes Statute barred 6 years from the original debt or from when it changed hands between collection angencies? As my wife got said letters from MH and shows original debt barclays and persuers Cabot Financial (Europe) limited.

Can I also put my name on the bottom of ther letter and not my wifes in the "Prove it" letter or could that give them aniother reason to contact us?

cheers


EDIT I posted the letter from Mr & Mrs Surname signed my me.. ????

Gordon_Hose

It becomes statute barred from the date of last payment or acknowledgement.

loupop25

Right, i've just received my second letter from Mhall. Bearing in mind this has come after a phonecall in which I asked for them to simply send me precise details of exactly what it is they are trying to claim payment for. The response is a letter claiming 'despite repeated efforts' to contact me (which is nonsense as i've one letter AND it was ME who was trying to contact them!!!!!) they are now going to send around a 'Meritforce' collector to visit my property in the next 10 days.

Sigh!

The only details of the debt proferred is a client reference, pursuers name (Cabot Financial) an 'orignal creditor' MBNA cards and a principal sum of £4,500.57.

Any ideas which way to go now? As i've mentioned before I'd be willing to come to some payment arrangement but not if they won't send me PRECISE details of the debt I purportedly owe. I mean, what is it with these people? Don't they realise that to an average person they could be anybody taking a punt? I don't understand their logic at all.

Anyway, naturally I don't want someone popping round to my shared property but what is actually going to make these people send me the details I require? Does anyone have any advice or indeed has anyone had this experience and knows what NOT to do?

Many thanks.:(

loupop25 wrote: »

The fact of the matter is I am perfectly willing to pay for any debts incurred in my foolish past now as running away from them got me into the original mess in the first place. What I don't want however is to be paying money to a company whom I know nothing about and who cannot produce the proof to quantify the alleged debt. It would be tantamount to throwing money into a fire. My main concern with all of this is simply whether paying back these people will actually not be that at all which is precisely why a clear contract of the 'whys and wherefores' is essential to me.

vickimort

A couple of months ago I got a phone call from MH at work - no idea where they got my number. They said I had an old debt of £15k which if I did not pay immediately, then I was going to be made bankrupt the next week. They offered a reduced figure of £8k and suggested I borrow from a family member. Like an idiot I panicked as I did have to pay off some debts incurred by my former partner who disappeared off abroad 10 years ago and thought this might be another come crawling out of the woodwork. I said no way did I have the money and they said if I just paid a very small amount i.e. £100 it would be enough to stop proceedings, so I did this, by debit card. I cannot believe I was so stupid as to be hoodwinked by these people, but after the phone call I did some investigating and found out all about them. (I also cancelled my debit card as I didn't trust them at all!) Oh and I did the recommended checks on myself and there was nothing. When they next rang I was far better equipped to deal with them and asked for copies of the original credit agreement and documentary evidence to support their claim. They got abusive and slammed the phone down on me. Of course they haven't sent me anything to support their claim, but have now sent a letter saying that I'd entered into a repayment arrangement (untrue), which I've now defaulted on. They've been ringing my mobile loads, but I just ignore them. They managed to get put through to me at work today, so I told them I won't do or pay anything until I get the documentary evidence I'm asking for. I told them I had asked them twice not to call me at work and they said they (conveniently) had no record of that. The abusive guy said I'd agreed to pay £8k and that I'd agreed to borrow it from a family member and that they never said they were making me bankrupt and that I was a liar as he had transcripts of the conversation. After I said that no, they were the liars and repeated my request for documents he too slammed the phone down on me.
So after all this my question is really - what should I do next, if anything? If they call work again they won't get through to me and no one here will give them my details. Presumably if they had any documents to send me they'd have done so by now. Or should I put the 2 suggested letters together and send them by recorded delivery or just continue to ignore them.

djsyko

a few weeks ago i was sat at my pc and just for the hell of it looked at my credit report online.....
hhmm mackenzie hall has been looking who are they??? google i thought and came across this page wow am i glad i did not long after i got a nice call from a very well mannered person (sarcasm) and he said something along the lines of we have not heard from you since our last call in feb of this year when you stopped payments and alarm bells rang i said i dont know who you are or what you are talking about thats when he became abusive and angry that i had cought him out i said all the stuff i could remember off here statute barred, oft, trading standards as much as i could without sounding like i was trying to read things or remember stuff from a book i wanted to sound like i knew what i was talking about

after the caller got upset and i told him my iphone had recorded the whole conversation he hung up. a few days ago i got a letter saying the standard bo***x despite continude attempts etc so firstly i rang the consumer debt councilling service who told me something i have not seen in any of these post..... a statute barred debt can never be reactivated even if they trick you into payment or even into admitting the debt i contacted finantial ombudsman and they sent then a letter and now i have a nice letter from mack hall wanting to know why im complaining and also why i think i can dispute the debt i will keep you posted:T