Thread: Mackenzie Hall/Meritforce/Barclaycard

Hello everyone on this very friendly group what a tonic you all are.

I have been reading many of the postings since last year because "yes you guessed it" I have received a barrage of disjointed demands from the our friends in the north, the story is a follows in chronological sequence and I need some advice please as to my next action or none action as you feel is best.
Back in 1988 I had a Barclaycard, all was ok until I my life fell apart during the recession years and I was made redundant in 1990, (left many of us struggling those years) thus I fell into debt I advised BC and returned my card at their request, I had an outstanding balance of approx £1200.
This was 1990/91 and absolutely no other communication ever passed between BC and me.
My address has never changed I have lived at the same premises since 1986 thus they have always had the opportunity to contact me concerning the above.
I heard absolutely nothing from Barclaycard at all, during all these years so the memory fades away and I preyed that they had either writtern me off as not worth pursueing or that the records had been sent to the deep archives forever.
I have never bothered with credit cards again and tried to live on a more level basis.

Last year around 10th August 07 I received a letter from Mackenzie Hall, who say they are acting as pursuers for The Lowell Group, portfolio 1,
(who I have never heard of), claiming £1291.13p saying that they MH have been instructed to claim as an overdue account.
I ignored this after seeking out this group and reading other threads.

On 31st August 07 I had the pleasure of another letter from MH offering me a reduced settlement figure of £1032.90p to be paid no later than noon on September 10th (this letter was duplicated ) how lucky I was to have two identical letters on the same day ?
I also ignored these two letters, on the principle of reading the threads of other victims on this site, also feeling that if I do not acknowledge them
or make any contact or display any reaction then my sanity and stress levels remain controllable.

October 15th 07 the cheeky sods send me a standing order mandate with repayments pre filled in for £35 pm for 36 months.
This I also ignored.

Next in November, I received a strange blue fold over glued message ( the type that you tear around the dotted lines to open) this was a warning to phone them (MH) and if I fail to do so they will pass the account to their field agents within the next 7 days......(field agents, sounds like a visit from the "Spooks" on a stakeout)
However I had not opened this until this week, because I was determined not to be a victim and allow these morons to upset my life, (truth is they do anyway in the far back reaches of ones mind)
Again I ignored this threat.

January 10th 2008 received a letter from a new kid on the block in the form of Meritforce, acting for The Lowell Portfolio 1-Barclaycard, same account same amount, but this time they say "due to none payment of this account to MH, we have been instructed to collect the debt on their behalf (MH) that is.
An authorised collector (this must be the spook field agent) will make a visit to your premises within the next 7 days, then it all becomes an oxymoron because they give me until Sunday 20th January to call the office, (I thought 10+7=17th)
it goes on to threaten "should our collector "007.5" report no positive commitment towards clearing the debt it will be returned to this office for potential LEGAL ACTION.
Still ignored this letter, and signed up to this excellent group for suggestions/advice.
My situation is that I cannot afford to slash out this money, and I understand that Barclaycard have had sufficent time since 1991/92 to pursue me for this outstanding balance, the 6 year rule has passed over 3 times since this debt was incurred back in 1990 just about 18 years.
Sorry to say that I have no honour for these people (shame on me)
I have never communicated with any of these persons in all this time and last August was the very first time that I had any knowledge of this.
I read in the group that (Lowells) have bought a book of old debts from B/C and others, I wonder if they have the original CCA documents ?
My head tells me to deny the debt and front them out, but am I strong enough to do this with confidence and no high stress levels.
Please Please advise me, help me feel certain that I can dodge these parasites.

Thanks for reading this and hope to read some response suggestions.
Alfaone

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Thanks Dpick, I am sorry the post was a long tale, but thought it better to cover the entire story, I would like to know of others who may have reached this stage with the aforementioned DCAs or other bottomfeeders.
Most of them seem to follow the same operation.
I shall take your advice and ignore them, just concerned now as to if I do get a visitor/ collector on how I should handle the person in a verbal sense.
Alfaone.

If anyone calls which i'm sure they won't just ask them to leave your property politely, if they don't leave immediately call the police.

The only field agents Mackenzie Hall/Meritforce have are the creatures that crawl about on grass outside their offices.
Other than that...the are full of c***p.
The key to this company is...ignore them in every possible way & they soon go away

In the highly unlikely event Meritfarce send one of their laughingly entitled Field Agents to your premises please remember that they have ABOSLUTELY NO LEGAL POWER WHATSOEVER. Tell them to leave (in words of your own choosing). Should they fail to do so a quick call to your local constabualry reporting a breach of the peace should do the trick.

Your story is very similar to mine except my alleged account was not with B'card. No legal action has ever been taken and should the stupid sods ever try they will lose. They know that deep down in their hearts but they hope you don't. Ignoring them isn't always the best option but it often does work.

Bear in mind that Meritforce is Mackenzie Hall but if you want to be really naughty you could ask MHall for clear, unambiguous evidence that you gave them permission to share your data (personal details) with a third party i.e Meritofoce. Even though the two firms share the same directors they hold separate data controllers licences from the Info Commissioner.

You could ask the same question of Lowells!

Hi everyone, and thanks very much for taking the time and trouble to read my long tale, I am begining to feel stronger with all your support, you are all restoring my faith in humanity, pleased to hear from real people out there, gaining confidence but not arrogence.
Thanks Alfaone

The muppets from Kilmarnock only buy Stat Barred Debt. You know its unenforcable when the lowest of the bottom feeders are on your case. Mac Hall = IGNORE