MacKenzie hall ....again !!!

busboymachall · 4th February 2007, 01:59

I received a very official letter three months ago informing me that I owed £1420 to a company I had never heard of. I wrote to them and asked them to send me details of the alleged debt and refuted the claim unconditionally. Last week I received another letter threatening legal action. I rang MacKenzie Hall and they told me to pay or else (more or less!)
They said I could pay £900 and that would end the matter. They knew my previous addresses etc.

I paid by credit card!!!!

I have asked for details of the debt since, and receipt of my payment, which I still contest, but have had no reply.

Can I get my money back???

4th February 2007, 10:41

Hiya, have you sent a request under Section 7 of the Data Protection Act - Subject Access Request?

Was this debt passed onto a DCA and that's why you hadn't heard of them?

Once you establish who the debt originally belonged to then action can be taken.

More details needed really.

Wxxx

MARTIN3030 · 4th February 2007, 11:31

Amazing.......

I have moved your post here.
Hopefully you will be able to get some advice to sort this out ,from members all too familiar with this.

busboymachall · 4th February 2007, 12:54

I could send an Subject Access Request if I knew who the debt was to...

I am sooo thick! wish I hadn't paid anything now!

tiglet · 4th February 2007, 13:45

Do you still have any of the letters? If so, I would send it to them with a CCA request. I did find this address for mackenzie Hall: 30 The Foregate, Ayrshire, Kilmarnock, KA1 1LU. If you can't find a refernce number, look at the Subject Access Request letter which, if I recall correctly, states that they ahve been happy to use the info you privide (i.e. address, name, DOB) previously and so should be happy to do so know.

Let me know how you get on.

NailPost · 4th February 2007, 19:13

If you get letters demanding money from people you've never heard of don't pay it but Busboy, by logging onto this site you have done the right thing because there is every possibility you may get your money back. But it's going to take a little while.

You should now write to Mackenzie Hall at the address given by tiglet and tell them the debt is disputed and you want documentary proof it ever existed. This means sending the CCA letter to them - you'll find it as letter N in the stickys at the top of the forum. Sent by recorded delivery and accompanied by a £1 postal order the leeches have 12 working days to send you a signed copy of the application form you may or may not have signed, a deed of assignment (their right to collect) and a statement of account.

If MHall fail to comply (or even respond) within the 12 days send them a SARN notice. This will cost £10 and gives them 40 days (calendar) to come up with all the documents they hold on you.

Failure to comply with both means your case against them strengthens. At that stage report them to the Office of Fair Trading and the Information Commissioner but also send them a letter before action. This will give them seven or 14 days to repay the money you paid them (plus interest and costs). If they don't a county court claim will be lodged. The papers to lodge will be their letters to you, your letters to them and the reports to the statutory authorities.

It will take just one case to prove to firms like MHall that they cannot mess about with clients who know their rights.

let us know how you get on, we're right behind you

tiglet · 4th February 2007, 19:43

couldn't agree more with nailpost - good post!

busboymachall · 14th February 2007, 19:53

Thank you! I'll send a letter today!
It's good to know you're all there!

busboymachall · 14th February 2007, 20:08

Hi NailPost,
Where is the CCA letter? Is it a template?
Am I thick or what?

busboymachall · 14th February 2007, 20:14

I haven't sent, or even seen, an Subject Access Request.
Do you have a template?

dollypops · 15th February 2007, 04:48

If after 14days you still have no response from Mac Hall to your requests, then i would be tempted to contact your credit card company and instigate a chargeback for the amount you have already paid them.

busboymachall · 15th February 2007, 09:48

Quote:

Originally Posted by dollypops

If after 14days you still have no response from Mac Hall to your requests, then i would be tempted to contact your credit card company and instigate a chargeback for the amount you have already paid them.

Thanks, I've sent a letter now and I'm going to give them 12 working days to reply.

akn · 18th April 2007, 14:13

Hi, i just received a red card from MH 2 contact them urgently but thanks 2 this forum, im not worried abt it.
The thing that surprises me is that the red card is sent 2 my address but with my sister's name on it. My sister never stayed with me nor she have ever used my address 4 anything. How this people at MH know how 2 send a card 4 my sister 2 my address? Do anyone know whats going on? Pls help. Thanks.

tiglet · 18th April 2007, 14:59

Contact OFT and Alan Stewart at East ayrshire Trading standarsd. i ahev just been on the phone to both about these b******s.

Both are aware of a lot of complaints and if we want to get these disgusting tactics to stop, we need to actually amke the complaints to the relevant people.

electricechogirlie · 7th November 2007, 23:09

Can anyone help me as I really dont know what to do about this, I being b chased by Mackenzie Hall on behalf of HSBC Bank, of this debt that I owe them I am not sure of how much of it is actual bank charges, and they continue to chase me even tho the debt is now over six years old, would I still be able to request bank statements to find out how much of the original debt and dispute the bank charges, or under the 6 year rule that the debt would be written off anyway because its been over 6 years since I had anything to do with the HSBC, and have never spoken to mackenzie hall, any advice anyone can give me would be really helpful

Many thanks

I posted this on general consumer issues because I didnt find the link in time for this one, just to also add that mackenzie hall have also been in touch with a company called "MeritForce" for an authorised collectors visit and if I dont get in touch with them by 8th November 2007 making a "Positive Commitment" to clearing the debt, my account will be returned to the Meritforce office for "Potential legal action" I know I have have left it late, but have worried myself sick over this, and I would appreciate any advice on how I can confront them.

Edz11 · 7th November 2007, 23:21

You need to start your own thread. You need to CCA and Subject Access Request Mck and Co and then you'll know what they have on you in terms of the Consumer Credit Act and Data Protection Act. Total cost is £11.

They may well be trying it on.

electricechogirlie · 7th November 2007, 23:27

Many thanks Edz will do that, as its too late to be making phonecalls now, I will email Meritforce to explain to them that I will be in contact with Mackenzie Hall, as there is an email address at the bottom of the letter they sent me, to request the info that you advise. I will start a threat!!!

Thank you

..... might actually get some sleep tonight!

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit--	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki