Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder jo5ephedward5 Novitiate

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    Question Mackenzie Hall / Welcome Finance



    Had a letter off them demanding £1400+ for a alleged Welcome finance loan – I’m not saying I have never had a loan with WF (thought a few years ago I got in such a state I would have taken money off anyone…wish I knew then what I do now!)

    Anyway IF I do owe WF anything I have had no correspondence off them and the Mackenzie Hall letter states that WF have made numerous attempts to collect the debt (non of which I have seen), also I have never borrowed anything in that figure…either much lower (say £500) or much higher (£3000+) so I’m guessing the figure is charges and interesticon etc etc.

    With this in mind I have sent the CCA Requesticon + £1 on the 22nd August – the cheque was chased yesterday so just waiting to see their response!

    Does anyone who has encountered Mackenzie Hall know what they are like with response times etc? - I know they have 12/30days but in my experience DCAicon don’t like keeping to them!

    Will keep you posted.

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  2. #2
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    Default Re: Mackenzie Hall / Welcome Finance

    It has been argued in these threads and on other forums that a CCA Requesticon should not be sent to the collector but to the company that owns the debt, in this case it would appear to be Welcome. Having said that Mackenzie Hall have cashed your cheque so they appear to be taking responsibility for this matter.

    Mackenzie Hall have an aversion to responding to letters demanding information you are legally entitled to. I would set your calendar to the 12 working day rule in which time they must provide you with the CCA details you have asked for and the 30 calendar days after which they default on your request - technically committing a criminal offence but the OFT are useless and will do nothing about it.

    That isn't to say that you should not report Mackenzie Hall to the OFT, your local trading standards department and the East Ayrshire trading standards about their behaviour.


  3. #3
    Basic Account Holder jo5ephedward5 Novitiate

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    Default Re: Mackenzie Hall / Welcome Finance

    Quote Originally Posted by NailPost
    It has been argued in these threads and on other forums that a CCA Requesticon should not be sent to the collector but to the company that owns the debt, in this case it would appear to be Welcome. Having said that Mackenzie Hall have cashed your cheque so they appear to be taking responsibility for this matter.
    i'm going along the theory that the debt is sold then so is the responsibility - after all isnt that the point in selling it? - i dont think this is a debt to do with me tbh, however i'll wait and see what MH come back with - it maybe i have to chase Welcome afterall - will keep this post updated as and when i hear anything.

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    Default Re: Mackenzie Hall / Welcome Finance

    The letters normally sent by Mackenzie Hall are "on behalf of clients" and they act simply as collectors. This less than reputable company have yet to officially take over as debt buyers - they have created a company called Acquire Debt and the belief is that they make start buying debts as well as collecting them.

    If you owe Welcome Finance then they are the owners of the debt and they would have the information you require. You may have to CCA them if you want to get to the bottom of this. Having said that I still believe that if Mackenzie Hall have cashed your cheque they should send you the details. If they don't, and they later say they can't, ask for your money back! Sue them in the county courticon for it and see where that leads!


  5. #5
    Basic Account Holder jo5ephedward5 Novitiate

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    Default Re: Mackenzie Hall / Welcome Finance

    Well Makenzie cashed my cheque ages ago - 12 days was up on the 3ed of Sept...rolll on the 3ed of October when i can report them - having said that there is a deafult been added to my account by a Hillesmen Securities today?

    The figures are the same but i have never heard of them or had anything off them!

    think i will have to write to the CRA and see who they are!

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    Default Re: Mackenzie Hall / Welcome Finance

    You need to find out more information about this new default. A default cannot be re-registered. It is lodged once, has a life of six years on your crf and then automatically drops off. Find out what it is and if it is related to the matter you have raised with MH get it removed. Tell them it is defamatory and you will sue for libel. This will cost money but there have been instances reported recently of banks paying out cash sums after defaults etc were wrongly registered.


  7. #7
    Basic Account Holder jo5ephedward5 Novitiate

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    Default Re: Mackenzie Hall / Welcome Finance

    yeah i will be chaing this up - this it the only default on my file for this debt but its a company i have never heard from - i expect i'll get a letter soon demanding money!

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  8. #8
    Basic Account Holder Donel261 Novitiate

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    Default Re: Mackenzie Hall / Welcome Finance

    I have a similar issue with Mackenzie Hall "acting" on behalf of Cabot Finance, I have hounded them by sending follow up faxes everyweek requesting the data, they have got so p'ssd off with me now, they have given the debt back to Cabot to deal with, so no more Mackenzie Hall for me.... just need to kill of Cabot now.

    http://www.consumeractiongroup.co.uk...nzie-hall.html

    Mackenzie Hall don't have a leg to stand on, don't awknowledge the debt and dont pay them a penny.....


  9. #9
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    Default Re: Mackenzie Hall / Welcome Finance

    Quote Originally Posted by Donel261
    I have a similar issue with Mackenzie Hall "acting" on behalf of Cabot Finance, I have hounded them by sending follow up faxes everyweek requesting the data, they have got so p'ssd off with me now, they have given the debt back to Cabot to deal with, so no more Mackenzie Hall for me.... just need to kill of Cabot now.

    http://www.consumeractiongroup.co.uk...nzie-hall.html

    Mackenzie Hall don't have a leg to stand on, don't awknowledge the debt and dont pay them a penny.....
    Throughly agree with you there.One question that comes to mind is that if the banks are using DCAicon's or selling debts for a fraction of the value then why not wipe the losses off the person's account.Am I missing the plot here or is this some tax [problem].Perhaps HMRC should start investigating the banks and DCA's.


  10. #10
    Basic Account Holder Donel261 Novitiate

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    Default Re: Mackenzie Hall / Welcome Finance

    I dont know how they can get away with it, in the unlikely event that they can provide the original documents that will be my next arguement. Will have to look into it....



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