Mackenzie Hall - 11 Year Old debt

DizzyChick

well as of yet no further reply from mackenzie hall -i think they thought they would try as i was paying another debt through them! which is now paid!

Just_Plain_Jane

I wouldn't hold your breath for a reply. I told Mucky Hall where to stick a statute barred debt last year and heard nothing after that.

DizzyChick

Just_Plain_Jane wrote: »

I wouldn't hold your breath for a reply. I told Mucky Hall where to stick a statute barred debt last year and heard nothing after that.

Cool well if i get anymore they are going in the bin

freakedoutnewbie

Hi
I'm new to this too and have received two letters now from Mackenzie Hall. The first didn't give me much detail at all, and after doing a quick google search I decided that they were a bunch of chancers on, and put the letter in the bin.

I have today received another letter from them regarding a debt they are collecting on behalf of Arrow Global Ltd - does anyone know who they are? The original creditor is quoted as Orange.

Whilst I have a mobile contract with Orange, I have never missed a payment with them.

Should I contact MacKenzie Hall? or would I be better off talking to Orange to see if they can shed any light on this?

ANy guidance would be appreciated!

Gordon_Hose

Arrow collect for Orange. I've had them after me before... they sent me one letter and went quiet.

jellybean39

Good on you phil you tell em. Who do these people think they are im sure they just try it on!! They just prey on people who work hard and try and sort themselves out and think there bullying tactics will work on them. Disgusting, i think we should have a wall of shame !! lol

Beadlebum

Like many people I have received an ambiguous letter from MH and after reading other posts I decided to ignore it. I have just received another letter stating the debt information, with a payment deadline. The debt is from Student Loans Company. The loan was taken out in 1994 and the last communication with them was in 1997.

What I would like to know is, will the debt be statute barred by section 5 of the Limitation Act 1980 or are the Student Loan Company exempt from this?

fermi

Beadlebum wrote: »

What I would like to know is, will the debt be statute barred by section 5 of the Limitation Act 1980 or are the Student Loan Company exempt from this?

A student loan taken out in 1994 would be covered by the Limitation Act 1980.

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

Student loans

Student loan agreements are simple contracts and this gives the Student Loans Company (SLC) six years from the date you last paid or acknowledged the debt to go to court to enforce the agreement. There are two sorts of student loans and different rules apply depending upon when you took out the loan.

Old style student loans

Old style or ‘mortgage’ student loans are consumer credit agreements. Payments cannot automatically be deducted from your wages. The SLC has to go to court before they can enforce the debt against you. This means that the Limitation Act can apply if you have not paid or acknowledged the debt for over six years.

Warning: Asking for the loan to be deferred could count as acknowledging the debt and start time running again.