Have I done The Right Thing - Mackenzie Hall

felipe_2

Hi,

I hope you can help.

I received a letter from Mackenzie Hall today and since i believe i don't owe any money to these people i Phoned them.

I spoke to a very rude person who said i owe Sky £80.00, from an address i lived at 7-10 years ago.

I said i have no knowledge of a debt and i am still with Sky, he said that a company called Varde have been sold the debt and that he is acting on their behalf.

He refused to send me details of the debt, refused to send me any information, but he did say that they will be taking me to court and will send the baliffs round or words worst than that.

Anyway, i contacted Sky, they laughed and told me to ignore them.

I spoke to Varde who said the guy dealing with it is travelling but had told the switchboard to expect calls about this.

My wife is now very worried, she is the one who told me to call.

Have we done something wrong for phoning, surely they must prove something before court procedings or debt collectors would be sent round.

To be honest if i owed this i would pay, but i have no idea and whyt would i still receive the Sky service i get.

Please help.

Reagrds

Felipe

MrsTinks

Over 6 years since you last "acknowledged" the debt? ie responded or paid. Then it's statute barred and they can whistle for it. They bulk buy these debts and then try their luck and try and bully people into paying it. Don't pay it and if it's over 6 years they can't take you to court so don't worry. There are some letters about that I have no doubt a helpful person will be along shortly to direct you to Send that and they will go away

rog2

It's the pond-life at Mackenzie Hall trying it on again. :mad: :mad: :mad:

Do NOT phone them, or varde. The 'alleged debt' is over 6 years old and will be covered under the limitations act - 1980. Assuming that the debt even existed, it would now be statute barred and even filth like Mackenzie Hall can not pursue it through the courts.
These scum make their money by sending out letters like the one you received, in the knowledge that a large proportion of the British Public are completely unaware of their rights,
If you feel that you need to reply to these criminals, send them the letter shown on the following link:

http://www.nationaldebtline.co.uk/england_wales/temp/5657_10811.pdf

If these hardened rascidovists persist in their harassment - report them to:

TRADING STANDARDS SERVICE
14 London Road
KILMARNOCK
KA3 7AF

Tel. 01563 521502

These vultures are well known at this office.

angelavdavis

In my opinion, MacKenzie Hall, as you have discovered are scumbags that recruit thugs to do their clients bidding. They terrorise people - without caring if the debt even belongs to you - you only need to search this site for their name to see the kind of tricks they try to play to frighten people into paying for debts that are nothing to do with them.

They have probably got your name from old records as living at the address and are phoning you and potentialy all the other former residents trying to pin the debt on you.

Next time they phone, mention again that the debt is nothing to do with you as you have already stated and point out that by threatening you with court action when they have refused to prove the debt is yours, they are contravening Section 40 of the Criminal Justice Act, (this site here explains this act). Tell them that if they continue to harrass you, you will not hesitate to report them to Trading Standards and ultimately, the OFT.

If they continue to harass you in this way, please please, make a note of the times and content of the calls and report them to the Office of Fair Trading.

As tine says, the debt is statute barred anyway so they can't legally force you to pay - even if it is your debt.

Don't contact them again. If you get sick of them, please write to them recounting their threats, phone calls, the fact that you fully intend to now report them for breach of the above act and then send this letter recorded delivery, keeping a copy.

angelavdavis

rog2 wrote: »

rascidovists

Hey Rog......good word.......did you make it up?

rog2

angelavdavis wrote: »

Hey Rog......good word.......did you make it up?

I wish, angela. :rotfl: :rotfl: It means persistent re-offenders, or criminals.

Sometimes it's just difficult to find words to describe the activities of the sub-species that draws breath under the banner of Mackenzie Hall. :mad: :mad: :mad:

Some people may feel that my opinion towards these festering carbuncles is a tad biased. To these, I say 'it is'.

dizzy20

felipe wrote: »

Hi,

I hope you can help.

I received a letter from Mackenzie Hall today and since i believe i don't owe any money to these people i Phoned them.

I spoke to a very rude person who said i owe Sky £80.00, from an address i lived at 7-10 years ago.

I said i have no knowledge of a debt and i am still with Sky, he said that a company called Varde have been sold the debt and that he is acting on their behalf.

He refused to send me details of the debt, refused to send me any information, but he did say that they will be taking me to court and will send the baliffs round or words worst than that.

Anyway, i contacted Sky, they laughed and told me to ignore them.

I spoke to Varde who said the guy dealing with it is travelling but had told the switchboard to expect calls about this.

My wife is now very worried, she is the one who told me to call.

Have we done something wrong for phoning, surely they must prove something before court procedings or debt collectors would be sent round.

To be honest if i owed this i would pay, but i have no idea and whyt would i still receive the Sky service i get.

Please help.

Reagrds

Felipe

Hi Felipe
We came across this site by accident as I have received a letter from MH today stating that they need to speak to me regarding a PERSONAL MATTER. My other half said that I should ring them but I wanted to research them first and have read with horror all of the other notes on the forum.
I don't know what to do either perhaps I shouldn't reply to them as I don't know of any debt outstanding and have just taken on a mortgage with a high street lender so nothing can be untowards and my credit score is excellent. Is this business practice legal and what will happen next I wonder?
What will you do now as Sky have washed their hands of any involvement?
Can anyone else advise please???:beer: Dizzy20

britishvixen21

I had the same thing, MH contacted me about a HSBC overdraft that was over teh statue, I wrote a letter stating that it was over and for them to Eff off basically, I have never heard from them again.

RAS

Dizzy

I think you are the 20th person this week who has posted about this bunch of ahm hm, which says a lot more about them.

Rog does a good line in descriptors and Angela gives a good explanation of their modus operandi - find anyone with the same name, address or possible link and try to extract money to which they may not be entitled from people who may not have any connection to the debt at all.

If you wish to respond to them, use the link in post 3 and send the statute barred letter. You must include "I do not acknowledge any debt to your company, and send it registered post.

If by some miracle, the last payment was within the last six years, then you need to come back for a CCA letter. The chances of them having the CCA border on nil.

regarding your credit record

Since the debt is not listed on your credit record, they cannot list a default. Since it is almost certainly statute barred, they cant record it on your credit record.
unless they have the CCA and it is in time, they cant force you to pay, if by some strange chance you actually owed the money in the first instance.

If you ring, that will not stop them suggesting that they can send in the bailiffs tomorrow or register a CCJ. They cannot.

Alternatively, they will suggest that the only way they could be chasing the wrong person is if someone else has used your details fraudlulently and you need to report the fraud to the police.

This contravenes OFT Guidelines and if you get any other correspondence, you might want to report them to the TS in Fife.

By the way, Sky are responsible for the correct behaviour of any debt collection agency to which a debt is sold or re-sold, so they need to take this seriously.

rog2

RAS wrote: »

Dizzy

I think you are the 20th person this week who has posted about this bunch of ahm hm, which says a lot more about them.

Since the debt is not listed on your credit record, they cannot list a default. Since it is almost certainly statute barred, they cant record it on your credit record.
unless they have the CCA and it is in time, they cant force you to pay, if by some strange chance you actually owed the money in the first instance.

If you ring, that will not stop them suggesting that they can send in the bailiffs tomorrow or register a CCJ. They cannot.

Alternatively, they will suggest that the only way they could be chasing the wrong person is if someone else has used your details fraudlulently and you need to report the fraud to the police.

This contravenes OFT Guidelines and if you get any other correspondence, you might want to report them to the TS in Fife.

By the way, Sky are responsible for the correct behaviour of any debt collection agency to which a debt is sold or re-sold, so they need to take this seriously.

I couldn't have put it better, myself, RAS. :T :T

The point that really worries me is that ONLY 20 people have posted this week. This probably doesn't cover a micro-fraction of the population that is being 'conned' by this MacKenzie Hall Scam.

It's about time the media exposed them for the con merchants that they are. :mad:

RAS

The big, big thing is to get as many people as possible off these boards to report them and the other really badly behaved DCAs to the TS, FSA and OFT, so that there ara multitudes of complaints.

Next step, put together "dossiers" and

1. challenge the TS to explain what they have done about these toerags
2. Get a bit of steam up in the media. Apart from the red tops and the women's mags, target the locla paper where the DCA operate.