Help !!! Mackenzie Hall . :(

piratess

Ive just come home to a letter from this company and panicked and rung them instead of checking in here first ..

It was on photocopied paper and signed andrew lowe! Ive rung them and they say i owe £500 from a capital one account at an old address! ,... I did have a capital one account! but not at the address they gave it was an adress id moved from 2 years earlier ..... but they gave my last address (hope this makes sence) ... this is the first feedback ive had from said debt! ...

what should i do?? ............

they have asked for full amount! which i cant give them,
the woman i spoke to told me her accounts manager would ring me!

i need some help with this! as they dont sound like nice people! .... this debt was from 20001 ...

do i get intouch with cap one and tell them i refuse to deal with MH or ? oh i dont know!

sorry am in a bit of a flap now

thanks for advice x

onamission_2

oh don't do a thing yet. don't admit you owe anything yet. if its from 2001 then it is almost statute barred. MKH are notorious for buying debts at this point. I forget what happens next but someone will be along in a bit with more knowledge. Hang on there!

piratess

Thanks for replying ... im in a real flap here ...
Thing is i did say "yeah" when the woman asked if i had a capitol one account ..
the address she gave wasnt the address i had the account at? does this make a difference? ... She also told me the "client" wanted the full amount to which i said i couldnt pay and then she said she would have to get the
"account manager!" to ring me!

I really dont know what to do im just glad the number i gave her was my old mob number as reading some of the posts they can be pretty pursistant! ..

what do i do ? (panicing)

Angel11_2

Don't speak to them on the phone for starters. If they insist - just tell them you want a copy of the original credit agreement to make sure it is your debt. Millions of us have capital one accounts so wouldn't worry in saying that you had an account...

Do a check on your credit report - if its not there then will more than likely be over the 6 year limit on chasing debts - mackenzie hall are one of many companies that buy these old debts for pennies to make their money. Knowing full well they don't have a leg to stand on.

On the phone they talk down to you - like no-one should ever have a debt !

Do a check on this forum for other MH entries and there will be a link to send a letter off to them - with all the legal buff in it about statue barred debts ect. When they ring tell them not to ring again and that you will only communicate with them by way of letter.

jo1972

All I can say is poor you....as Angel said above, do a search for mackenzie hall on these forums and see how many posts come up :eek:

I'm currently involved with them for a one debt that two other DCA's are trying to get off me. I've requested a copy of the signed credit agreement but they keep sending me letters saying they need to speak to me on the phone. So I send one back say 'once again, I will deal with you only by written correspondence so I can keep my own records'. They ignore everything that everyone says. I will be reporting them to OFT, the FO and their trading body and hope that my complaint might be the straw that breaks the camels back and something gets done, there must be hundreds if not thousands of complaints about them.

Sorry I'm not much help, but stick to your guns, don't acknowledge the debt and get some advice from www.nationaldebtline.co.uk who are a font of knowledge in all things money. Here's their factsheet about the limitation act and debts over 6 years.

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

HTH

Good luck hun

piratess

Ive recieved a second letter this morning from the company ..

this time they have said : pursuers= Lowell Portfolio 1 Ltd
(never heard of them)

Mackenzie Hall ... despite repeated requests for payment by our client the above account remains unpaid our clients would prefer an amicable settlement, however should this settlement amount not be paid by the date shown we will have no alternitive but to take the matter further
settlement amount £359.29

could anyone advice me on what i need to do now? ... this is from 2001 and ive spoken to them once on the phone in a panic (before i came here) ... and i did say i had the card mentioned but that i was sure i was repaying through somone else ...

(see my previous posts ^^above)

please help xx

madonher

Hi there, I am so glad I found this site.

I have just recently moved, so therefore have my mail redirected.. Anyhow I got a letter today from Mackenzie Hall who I have never heard of. Its kinda freaked me out. The letter goes like this....

We are attempting to contact the above named person regarding a personal matter.

We have been provided your address as being the possible residential details for our subject.

Therefore if you are the person named above, then please contact our office immediately on telphone number 01563...... quoting reference number M3......, whereupon further detailed information can be provided.

If however you are not the person named above and/or have information regarding the persons possible whereabouts, then please contact out investigation team in confidence on the alternative telephone number or email address below.

We look forward to hearing from you as soon as possible.

Yours sincerely

Victor Richards

So thats why Im glad I checked them out first.

I would like to know, how many letters, phone calls and people turning up, before we can do them for harresment??

Thank you for taking time on reading this, I will keep hold of the letter. But I will NOT contact them EVER. Cheers for your help...

RAS

MAdonher

Can you set up your own thread if you need more help. see the "NEW THREAD button at the top and bottom of the main forum listings.

In the mean-time, if you read piratess's other thread, you cAN GET THE ADVICE YOU NEED.
http://forums.moneysavingexpert.com/showthread.html?t=575913

MH buy old debts, so see if anything is outstanding on your credit checks (Martin's article under cards and loans tells you how to get them free). If not, then it is probably statute barred, or even belongs to someone else,