mackenzie hall

[peppa]

Hi everyone,

First time on here so here goes, i have today received a letter out of the blue from mackenzie hall, which has my name and address on it saying, Acquired debt limited have instructed mackenzie hall to pursue an account that was sold to them by redcats. They say the require full paymnet within 10 days from the date of the letter and that the debt is £153.88. It asks me to call a Rob Sanderson no later than 1st march 2007 to avoid potential leagal action and cost being added.

I cannot recall this debt and if i do owe it its at least 6-7 years old, should i ring them to find out what it is about? any advice greatly appreciated.

thanks

[happyolddog]

Hi Peppa.

Welcome to the forum,

I would write to them asking for proof of the debt.

Don't just pay it, If you don't know what it is for.

Good luck,
Happyolddog.

[lollipop2]

Hi Peppa,

I've also recently received a letter from MacKenzie Hall but I haven't replied because I'm pretty certain it's with regard to a statute-barred debt.

Don't phone them under any circumstance - it's best to do everything in writing.

If it's over 6 years since you last paid any of the debt or acknowledged the debt in writing then it is legally "statute-barred" meaning it can no longer legally be pursued.

Use this letter from the National Debtline to get them off your case. If they write further correspondence don't worry - simply write a further letter stating that you refer to your previous letter and that they are breaking the law by continuing to contact you on this matter.

It is down to them to prove the debt is still eligible (which in most case with companies like these vultures it isn't) and they have to give evidence of you writing to the original debtor to acknowledge the debt or receipt of payment. The chances of this are slim to none!

An example of the letter can be found here.

Information on the 'Limitation Act' which covers the legalities around this can be found here.

To quickly write your own version of the letter click here and then scroll down to section 6, pick 'Dispute your liability for a debt where a creditor has not contacted you for six years' from the drop-down menu and click on "write letter".

If you are at all worried please do call the National Debtline on 0808 808 4000. They quickly turned my potential heart attack into utter relief when I was first chased for a statute barred debt!!!

The National Debtline Website containing all the info is on this link here: National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000. The great thing is that National Debtline is genuinely independent and there to give you all the information you need rather than trying to coerce you into debt management solutions. You can remain anonymous if you wish when you contact them.

Good luck - and don't let these bottom feeding vultures get you down!

Lollipop

[KJD]

As an avid reader of the Debt Action Group on this site, I would recommend you pop over there and have a look before sending your letter. (Have a look in the index) The letter you have received seems to be a common occurence these days.

There is a letter called a CCA which I think would be more suitable for you to send, especially as it includes the statement 'I do not acknowledge any debt with you', which I think is a good comment to include.

Have a good read round - even do a search on MH - and if you need any more advice, start a new thread over there. There are some really friendly and knowledgeable people who will be really happy to help you.

Good luck

[mrmagooooooo]

Hi Peeps
Ive visited 3 or 4 forums today with literally hundreds of posts regarding this company. I too have recived several letters claiming that i owe them x amount of money (bizzarely this amount always seems to change) anyway i urge you all to contact BBC's Watchdog programe.. if enough of us tell them about it im sure they would investigate them... anyway here are is the link...
BBC - Consumer - TV and radio - TV and radio
Lets all join together and show the whole of the UK what utter Bas£@£$s this company really are :T