Mackenzie Hall- some one help me!!!

[Duffers Mum]

If you contact the credit ref agency and explain the situation they should be able to get the search removed. I had a similar problem with my file and Equifax were very quick to get it removed. Lowells did a search on me in connection with my husband, but as the debt was nothing to do with me, they had to remove it

[Marianne1976]

I received a letter from these guys wanting to know my whereabouts! I did have a Barclaycard debt with Cabot Financial which I paid up in full and I also had a Littlewoods catalogue which I never bought anything from so have no outstanding debt with them. I think i have two outstanding debts one from Index catalogue who are now owned by Argos and also a Look Again account I had years ago. These are the only two outstanding debts I have but they are years old. Would these 2 debts have been passed to these scumbags do you think? Should I ring these people or ignore the letter completely? I am so glad I came across this site because I usually phone these companies when I recieve these kinds of letters and I always pay the debts back when I get these letters usually in installments.

Should I just ignore the letter to save myself the harassment and so as not to alert them that I do live at the address they have. I dont want them hassling me especially if its a debt I dont owe!

Im really worried now.

Help!?

[jaboh]

hello all you guys
i am new to this web site but i am a member of the penaltycharges.co.uk.
been reading the threads about mackenzie hall i received a letter this week from this crowd, a final notice demand for £909 i knew i did,nt owe anything of that amount so like a fool i phoned them to enquire about the letter they sent me told it was for an outstanding debt on a barclaycard account from 1997
i was gobbed smacked to say the least i told her i did,nt or never had a barclaycard (i think i did in the 80,s)but did,nt tell her that,so anyway she gave a 16 digit number like the on you get on the front off credit and bank cards as the account i was supposed to have had but could ,nt give me any details of phone numbers or addresses told i would be back in touch.
i came home and went staight onto barclaycard web page and phoned them up,what happend next should have sent alarm bells ringing 1st person i spoke to typed in the 16 digit number reply was nothing came up transferred to another dept 2nd person took the details the same thing happened again except my name did come up but no information on the system transferred to another debt same thing again this time i was put on hold after a few minutes i was given another number to phone which i did.
i explained the situation about the letter i received from mch and told the person i have had no contact from barclaycard in the last 10yrs about the outstanding sum of money (the debt is written off after 5yrs in scotland 6yrs in england i live in scotland)the reply was it had nothing to do with barclay,s as there is nothing in the system i persume the debt is now statue of limitation.
barclays has more or less written debt off,this where it gets strange the person i spoke to told me mch was now dealing with this i asked when was i last contacted he told me by post on the 28/7/07 then 2/8/07 told him never received any letters except for the one dated 13/8/07 he told me he would put me through direct to mch.
but after a few minutes came back on line and said he had spoke to his supervisor and said been to instructed to say no letters had been sent out on the 1st 2 dates given i also explained to him if had known about the debt years ago i would have paid the sum due as you know banks and credit companys will get their money at one stage mainly through the courts.this is the bit has really been bugging me all day he told me if i made an offer of £10 a month that would do fine and the debt would been paid off that way(why would some one from barclays say that after being told account was not on their system.
so heres the next part phoned mch again explained situation and that as no contact form barclays or anyone else in the last 10yrs debt was now written off her reply was once a debt all ways a debt no matter how many years then asked for a payment either the whole sum(£909) or anything to keep it from going further but only till monday then thats when the courts will be involved then she asked could i pay just the £9 just to stall it for i few days till i get back in touch with them on monday so i could enquire more info on the debt.
like a fool i paid £9 by switch (only £9) it was just to get her off my back as i had to be in dundee by 2pm that day for my work i have made no agreement with mch to pay or signed anything my wife was annoyed that i did that as i am the one all ways telling my sons and her not to give any info over the phone anyway got home that night and spoke to my son who looked mch up on google.
what i have read about this company really stinks they are a legit company who prey on peoples debt from years ago then pressure them into paying by any means possible.
now i have never heard of mch or the lowell group who are the pursuers in this case,here is another thing i asked when did mch start proceeding to chase me for the debt was told 1/08/07 if that was the case how was i told the 1st letter was sent out on the 28/7/08 never mentioned this to her,now i,ve taken tomorrow off to go to citizens advice and thinking off going to the police to complain off a possible fraud when you read this letter to me it looks like there is someone from barclays giving out the information on old accounts which have been lyin idle for years to companys like mch ,js2,the lowell group.
one thing is for sure they won,t be getting anymore money from me will be going to bank as well to cancel switch card i,ve got to decide now do i contact them after i,ve spoken to citizen advice and tell them to take a hike as i will defend this in court (if need be )probably they would,nt go to court any way as it would cost them money and they are only interested in making money and not losing money.
would appreciate any feed back or advice on contents of this letter
(last option would be getting in touch with media ie the sun /daily record)

ps sorry for length of letter be in touch

cheers jaboh

[groovychickmum]

i have read on here that after stat barred (6 years) even if you make a payment (like the 9 quid you paid) can be seen as a 'gift' payment. they cannot legally take you to court.
cca them, if barclays have written off the debt, it will no doubt have got rid of a credit agreement too, so don't worry, cca, with 1 pound cheque/po(ask your other half to sign on your behalf), and on rear state ' for cca request payment only'.
if you keep looking on here, you will find loads on letter templates etc, i was/am dealing with these 'scum' cca'd now on the 2nd sept they cannot legally enforce payment or court proceedings. but underhandedly, i had a tel call from their 'sister' company (meritforce), i refused to answer any of their data protection questions,and said to contact me by letter only, that was monday, still waiting for a letter from them.lol
the best thing i found with this forum, is there is always someone to help/listen/advise you,and i personally feel i'm no longer 'scared' to answer the phone or open letters.i am actually sat here waiting for the postie man to arrive just to see if there is any 'nice letters from dcas'.lol
so, anyway jaboh........1 piece of advise from me......DON'T WORRY..

[png19]

I've been getting letters for every tom dick and harry at my address for ages from MacKenzie Hall. They are the most rude, arrogant bunch of ***** on the planet. They have completely screwed up the credit at this address and none of it is my fault. They won't listen to reason and it's a waste of time ringing them, all they do is pour abuse into your ear. They take on old debts dating back decades and think they can ethically pursue pensioners, cancer patients, mental patients, etc. They ignore the statute of limitations and they make threats.

[tiglet]

Yup, sounds like Mac Hall.

You can get a notice of diassociation on your credit file for people who have bad credit ratings at your address but don't have anything to do with you if you feel it's messing up our credit.

[The GodMother]

Hi.
I keep recieving letters from this company and file them under r for recycling. They keep asking me to contact hem urgently as they have been trying to contact me for some time now on a 0870 cost a lot number. Dont know what about but certainly aint interested in contacting them and that was before i found this website by accident.

Is there anything i can do to stop them sending me letters as i do hate junk mail and it seems a waste that it just goes into the recycling bin.

[oneofakind]

Cross out the address on the envelope...

Write 'GONE AWAY - RETURN TO SENDER' on it and drop it in a postbox.

Not much you can do to stop them sending these fishing letters, without letting them know you're there.

[ALCARZ]

i wouldnt worry ,sounds like a backstreet firm out on a fishing trip,there are so many complaints on the various forums about these crooks i reckon it just a matter of time before the plug is pulled on these halfwits!.

[groovychickmum]

Originally Posted by groovychickmum

i have read on here that after stat barred (6 years) even if you make a payment (like the 9 quid you paid) can be seen as a 'gift' payment. they cannot legally take you to court.
cca them, if barclays have written off the debt, it will no doubt have got rid of a credit agreement too, so don't worry, cca, with 1 pound cheque/po(ask your other half to sign on your behalf), and on rear state ' for cca request payment only'.
if you keep looking on here, you will find loads on letter templates etc, i was/am dealing with these 'scum' cca'd now on the 2nd sept they cannot legally enforce payment or court proceedings. but underhandedly, i had a tel call from their 'sister' company (meritforce), i refused to answer any of their data protection questions,and said to contact me by letter only, that was monday, still waiting for a letter from them.lol
the best thing i found with this forum, is there is always someone to help/listen/advise you,and i personally feel i'm no longer 'scared' to answer the phone or open letters.i am actually sat here waiting for the postie man to arrive just to see if there is any 'nice letters from dcas'.lol
so, anyway jaboh........1 piece of advise from me......DON'T WORRY..

update........sent email to trading standards regarding mac hall..email back asking me to send all letters etc to oft as they are currently dealing with this company.......had to wait for bank to send me a copy of cheque (as rear it states for cca request payment only.....so, its off to oft...........ive asked them to to make mackenzie hall accountable for their criminal default, and whilst in criminal default of cca request,passing it to meritforce, and also making meritforce accountable for sending 'door collector and we want payment now' letters even after i wrote saying account in dispute and mac hall in criminal default.
AND for good measure, asked for proof of signed credit agreement, if none exists, i require it in writing and for any default on credit files to be removed within 14 days of confirmation that no agreement exists..........

[The GodMother]

Yer but how do you no the letters are from MH. I recieve the one that are like your pin nuber wer you have to tear along the strips to open it so until u open it u dont know who it is from.

[groovychickmum]

because ive been getting the letters from mackenzie hall and telphone calls and texts to my home phone since april , and they cashed the cheque under mackenzie hall..and on credit file the amount has gone down by 1 quid so it is them ...it was because of them that i found this site in june and started sending out cca's and S.A.R - (Subject Access Request)'s.

[The GodMother]

yes but how do i know who they are from befpre i open them?

[groovychickmum]

? just open them,neatly.....steam them over a kettle.......if its from them..do 1 of two things, either cross your name and address out if on window envelope,and send it back,return to sender.or keep them for proof of harrassment

[groovychickmum]

personally.i'd go the harrassment route

[shovels]

Originally Posted by rubynicola

I recieved a letter yesterday from Mackenzie Hall. It had my name and address on the letter, it says that BT Cellnet V Me, for the sum of £12420.87.

It says it is a reduced settlement offer. And that despite repeated requests for payment the sum of £12420.87 remains outstanding.

I HAVE NEVER HAD A BT CELLENT ACCOUNT, THEY HAVE NEVER CONTACTED ME BEFORE.

As you read on they say as a gesture of goodwill, they are willing to accept a Reduced Settlement Paymeny of £9936.70. This is a once only offer!!!

I rang today three times, the first two times they are answer and put on hold. Then the third time I said unless you tell me what this is about I am passing this letter onto the Police, she said ' Do not speak to me like that, you need to get a F**king better attitude, im not telling you nothing'- then she puts the phone down!!!!!!

WHAT IS THIS ALL ABOUT?? WHAT SHALL I DO??

IT MUST BE SCAM???

(edit) if you have not made any a payment, or had any contact with bt cellnet in the last 6 years then it is void under the laibility for debts & the liimitation act section 5. DO NOT PAY A PENNY DO NOT PAY DO NOT PAY. IF YOU DO THEN THE 6 YEAR LAW STARTS ON THE FIRST DAY OF PAYMENT THAY DO NOT HAVE A LEG TO STAND ON. FLIM FLAM