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
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    Default Cabot/Mackenzie Hall?? - SCOTLAND

    Hi Everyone,

    Just after a wee bit of advice regarding a letter I received the other day from Mackenzie Hall, it said they had been provided my address as being the possible residential details for the person they are looking for (my name) and they wanted to contact me regarding a 'personal matter', get in touch quoting Ref blah blah blah...... I have ignored it, obvs LOL!

    Now, on the letter I noticed an email address at the top - cabot @ mackenziehall. I checked my Equifax credit report and there is a default registered by cabot for a Credit Card, start date 19/01/2005, default date 08/08/2005, no other details or payment history. I cant think what this is, I did get into financial trouble years ago when i was a student and was silly, i had a credit card with Capital Oneicon but i dealt with aktiv kapital and this has been settled, letter confirming this is filed and credit report shows settled. I'm thinking it may be an old storecard, although I still have a Dorothy Perkins one and this old one was a Burtons one () so surely they would know me?

    If the start date of this Cabot on my credit report is Jan 2005, then I'm thinking the orginial creditor file will have dropped off as its 6 years. Are Cabot allowed to put seperate defaults on my credt file?

    As I live in Scotland, am i correct in saying that this is now statute barredicon? I have never heard from Cabot, havent written any letters to anyone and havent paid since well before January 2005.

    Also, on checking my Credit Report mackenzie hall have entered 2 searches on table one, the reason being 'outstanding debt' - am i right in thinking they arent allowed to do this?

    thanks for answering my questions, sorry my post was so long!!


  2. #2
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    Default Re: Cabot/Mackenzie Hall??

    Also, there are no CCJs showing on my report.


  3. #3
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    Default Re: Cabot/Mackenzie Hall??

    Statute Barred time is 5 years for Scotland.

    Muck Hall and Cabot have been busily buying up near time barredicon accounts so they might just have boobed with this one.. IF.. it does actually belong to you.

    I will amend your thread title to include your location and hopefully someone will be able to advise you further.

    Meanwhile, please do not telephone Muck Hall/Cabot

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  4. #4
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    Default Re: Cabot/Mackenzie Hall?? - SCOTLAND

    What an unholy alliance eh Crapbot/Muck Hall


  5. #5
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    Default Re: Cabot/Mackenzie Hall?? - SCOTLAND

    incompetent alliance. Shocking that companies even exist.


  6. #6
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    Default Re: Cabot/Mackenzie Hall?? - SCOTLAND

    Thankies!!

    Dont worry, I have no intention of calling them! Before I found this site I made the mistake of calling fredrickson and was reduced to tears! LOL! Never again!

    They havent stated what the letter is in regards to, which I believe they have been pulled up on before? I'm busily reading through all the threads on these 'people' and its just shocking what they have been allowed to get away with!

    This site is a godsend cause if i didnt know about SB and all that I would have been in a total panick and would've been straight on the phone! I guess thats waht they rely on!


  7. #7
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    Default Re: Cabot/Mackenzie Hall?? - SCOTLAND

    Send them this; http://www.consumeractiongroup.co.uk...etter-SCOTLAND

    They must have a few filing cabinets full of 'em by now. If they continue make a complaint to East Ayshire Trading Standards.

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  8. #8
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    Default Re: Cabot/Mackenzie Hall?? - SCOTLAND

    If they haven't stated what they are after ignore it.


  9. #9
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    Default Re: Cabot/Mackenzie Hall?? - SCOTLAND

    Is this the letter that states if your not the person they are looking for, you should contact their investigations team. (I have this one in stock)
    If it is I would suggest that you forward it to Trading standards as they are already aware of this one.

    On the other hand if it is an old debt of yours you could also send them the statute barredicon letter (Scottish version)


  10. #10
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    Default Re: Cabot/Mackenzie Hall?? - SCOTLAND

    Yes that is the letter I have, no details of anything else.

    I'm just going to ignore it as they havent stated what it is about, but if i get any other letters (I have a feeling....) then statute barredicon letter it is!

    I'm still going to report the letter to trading standards as they arent supposed to send out letters like that are they?


  11. #11
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    Default Re: Cabot/Mackenzie Hall?? - SCOTLAND

    It 's typical trying to get ordinary punters to do their dirty work


  12. #12
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    Default Re: Cabot/Mackenzie Hall?? - SCOTLAND

    As was stated earlier, Mackenzie Hall in particular buy large amounts of statute barredicon Debt and then they are forced to go fishing to find out where the person lives.
    However, if you respond to these letters then they will ask for your personal details. Threfore, the question is. who the hell do they think they are ?

    Remember, the onus is on the pursuer to prove that the debt exists and not the recipient to prove otherwise.

    In addition, if your not the person named on the envelope you would not open the mail, WOULD YOU ?

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