Mysterious letter from Mackenzie Hall - advice please? 30 November 2012 at 2:53PM in Debt-free wannabe 22 replies 3.4K views

StressedOutMummy

Hi,

My partner received a letter from Mackenzie Hall today saying that he owed their client £4335.69:eek:. The "pursuers" are Arrow Global Ltd and the original creditor is Fairmile Partnership 1 LLP. We don't know who the hell Fairmile are and can't find out anything about them. Anyway they said that " client would prefer an amicable resolution but they will not hesitate to take such action as may be appropriate. I consider that to be a threat to make him cough up.
They want payment by noon 4/12/12 - well, they can whistle! OH says he's never taken out any loans and any debts he has he's paying off so he doesn't understand why he got this letter. He wanted to ring them but I said not to but what's the best thing to do here? Should he ignore it or ask them to prove the debt?

Many thanks in advance,

SOM

concerned43

McK's are notorious for buying up statute barred debt - therefore I personally would ignore them - they may send another couple of letters then once they know you are not biting they will leave you alone!

RAS

Do NOT ring Muck Hall.

They buy up very old debts and chase anyone with remotely the same name.

If he rings, they will pursue him regardless.

Wait until they specify exactly what the debt is about and come back for more help.

sjmbrown

I had that exact same letter today (addressed to my late husband...) and thank you so much for posting about it... I really want to ignore it but a bit concerned about the implied threat

[Deleted User]

If the debt was solely your late husband's, then you don't owe them anything.

Lensman_2

Going to disagree with an expert (RAS) here.

I think you have had all Mucky Hall are going to send you in terms of specifics before they turn the taps on.

While ignoring a vague letter trying to confirm a person at an address is right to ignore, this one has specific information and a demand for payment.

I would send at prove-it letter at this point.
http://forums.moneysavingexpert.com/showpost.php?p=11570893&postcount=2

Please do NOT phone them. As stated above they are expert bullies and will have your OH believing this debt is his and a CCJ is imminent before he can say his piece. Which will be denied anyway - people get called liars for denying a debt is theirs on the phone.

Snowedunder

My sister had the exact same letter this morning. All of her debts, (borrowings etc|) were paid at the correct times she never missed any payments so never had a bad notice on her credit files anyway.

She never had a credit card, and only 1 car loan which ended, fully paid in 1990!!!

She made an application for a tenancy a few weeks ago so we know her Credit Files were search, so guess that is where this has somehow come from. We will ignore.

StressedOutMummy

Ok, thanks to all that have replied. I will get OH to send off a prove it letter and take it from there. He insists the debt is not his and I believe him 100%. Interestingly, Snowedunder says her sister has recently been credit checked and so has OH for a new job he has just started. Would this trigger any action by DCA's? Anyway, not worrying for now as been researching MacHall and they sound like a bunch of low-life chancers who will stop at nothing to make a buck.

Thanks again

SOM

Lensman_2

StressedOutMummy wrote: »

...they sound like a bunch of low-life chancers who will stop at nothing to make a buck.

LOL - "quote of the week" :rotfl:

Thanks

sjmbrown

Lensman, I'd be interested to know what you think my course of action should be, if the debt existed (and I doubt it very much but can't check...) would it now be mine? if not should I get involved, or write and explain that dh has passed away and to leave me alone...? thanks

Lensman_2

Any debt that your ex husband had would only be due against his estate and not you personally.

There are rules on this that I don't know enough to advise on. I think you should give National Debtline a call.

Apologies for not being able to give you a better answer.