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    • it is not a fine, thread title updated and fine changed to charge in 1st post. also can you post up the defence you filed and the court directions have you received ukpc WS yet? if so scan all that up to. read upload carefully one mass pdf only. dx
    • Hello, welcome to CAG. Could you let us have the information we ask for in the forum sticky please? We need the information to start working on your case. Once we have that, I'll get you to answer a different set of questions. Best, HB
    • Hi there,  Long story short, I was working a year ago in a city centre and the site operator I was working with told me I could park in a private car park as they had an arrangement with the owner. I came back to a parking charge  from UK Parking Control, and the site operator subsequently couldn't get hold of the private car park owner and haven't been able to since. Fast forward to today, I have received multiple legal threats from DCB Legal acting for UK Parking Control I have now been issued with a court hearing along with a date. I have to file my witness statement for a court hearing later this summer.  I realise that I could have handled the situation better and am already aware of that. I was wondering what my options are at this stage? I am very keen to avoid a CCJ as it would obviously be disastrous for my credit score. Any advice appreciated. My current plan is to file a witness statement and hope the case is discontinued. Thank you for any advice in advance.
    • I run a small retail business selling cards & gifts ( all my sales are done on a face - face basis  ) & noticed one of the settlement amounts on the card terminal bank deposits was short so contacted the card company which said a customer has requested a chargeback on a sale the reason saying the goods bought was not fit for the purpose purchased for. I have old fashion till which does not show any sales or descriptions of what is bought, plus when the settlement statements match up i shred the sale receipts. The card company told me the transaction was paid for with the customers phone & shows on my portal. They have asked me for sales prof, cctv, terminal receipt of the transaction which I have none, as this was done a few weeks later. I have asked for pictures to prove the items are not fit for the purpose purchased for plus said if the customer can return them i would give them a full refund but have had nothing back plus no pictures. Also I have had no communication with the customer even asking me for a full refund. They have now closed the case & awarded the customer the full refund. Any advice would much be appreciated   
    • First Direct has relaunched its £175 switching deal just two weeks after its last switching deal ended due to demand from customers.View the full article
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Mackenzie Hall / Welcome Finance


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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 interest etc etc.

With this in mind I have sent the CCA request + £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 DCA don’t like keeping to them!

Will keep you posted.

People who haven't made mistakes, haven't made anything!

 

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It has been argued in these threads and on other forums that a CCA request 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.

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It has been argued in these threads and on other forums that a CCA request 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.

People who haven't made mistakes, haven't made anything!

 

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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 court for it and see where that leads!

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  • 3 weeks later...

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!

People who haven't made mistakes, haven't made anything!

 

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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.

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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.:-x

 

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/25238-barclaycard-cabot-mackenzie-hall.html

 

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

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Guest The Terminator
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.:-x

 

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/25238-barclaycard-cabot-mackenzie-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 DCA'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.

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