pay your debts

This is turning into a Royal Rumble.....every 3 minutes, a new challenger enters. Nice post there, Wordsworth. Listen man, if anyone wants ta jump in with their little sarky [edit], then i'll respond back twice as sarky. My converastion with seminole was a decent one. [edit]. jump on that bandwagon, Carl..

Dear gerarddobber 1. Mackenzie Hall 2. Here's some information for you. Out of a possible 40 sub clients of ours, there are around 3 of them who dont provide us with that information. The delete records once they pass the account on. The remaining ones actually do send copy bills and agreements. I remeber around 3 that i sent out personally today, as a matter of fact. "People on this site continuously are saying that "MacKenzie Hall" ignore this request. My question to you if you get to read this is why does your company ignore such an important request." If you simply apply a bit of common sense, it would become clear to you that the people who DO receive copy Bills, copy statements and copy agreements (like the ones i sent today), have no option but to pay...therefore they wouldnt be on this site. The people posting on this site are the minority who's creditors are the 3 companies i referred to earlier, who didnt receive anything, and subsequently believe mackenzie hall are somehow fraudsters. Think about it. 3. "in my opinion is a company with two heads or more." This is, indeed, your opinion. And your entitled to it. Opinions are like ...everybody has one. Not much more i can say to that last one, really. Umm, congratulations on having the mental fortitude to be able to form and construct your own hypothesis based on **** knows what.

i do condemn companies who breach it....however, we dont. thats my point, Paul. we dont threaten people with statute barred debt with a CCJ...we advise of further legal action....which is what does happen. so we dont breach any OFT guidlines at all. and if we did, im sure we would have made our last cal by now. however, i am aware there are creditors and the like who breach guidlines such as harrasment, but we are monitored by ruling bodies, and are 110% aware of the laws and boundaries. I have complete empathy for people who are injustly chased and contacted, and belive me wen i say, i spend 3/4 of my day removing wrong numbers, changing addresses, and deleting wrong debtor details...we dont 'hound' the wrong people...its a process of elimination. professional debtors give other peoples addresses, phone numbers, sometimes even names, to the original creditors...that info is passed to us, and that is all we have to contact these people. we call and ask....if its the wrong person, we delete their number or adress...then trace again...everything we do is above board. oh, and for the record, i'll give you the benefit of the doubt that you do indeed work in an accountancy office in bromley, like you claimed

dear seminole your right in what your sayin with re. to stat barred. after 6 yrs, if thecompanies have not attempted to contact you with re. to outstanding debt, then it cannot go to court. however..... pls bear in mind, if a company does not contact someone re. debt owed, ten 9 times out of 10 its because the debtor is unreachable (ie. moved away, not told companies of new address, or simply avioded payments and ignored letters), which is the reason companies like mine depend heavily on tracing systems. do you honestly think for 1 second that the original creditors are willing to just 'forget' debt owed to them, and brush itunder the carpet? secondly, by english law(different from scottish law) bailiffs WILL still come round to peoples doors to attain assetts to clear debt. as you rightfully said, after 6 years, debtors cannot have a CCJ against them, but please bear in mind that under english law, big skinhead tattooed men CAN and DO still come chapping. also, lets take Gaz's case for example. say he is totally innocent in this, for arguments sake. lets say that his wife ordered things from catalogues, the internet or such under his details. we pass cases like this to a fraud team, who thoroughly investigate - and cases like that are more common that you would believe - however, in MOST cases (and i mean the vast majority), these people have attained credit, whether it be cash, or goods, and dont pay. some people are 'professional debtors', racking up thousands upon thousands of pounds from creditors, and then dissapearing for a while. in cases like these, wouldnt you agree that they should get chased? i mean, is that fair? like i said, if there are genuine cases (which i know from experience there are LOTS) where its mistaken identity, identity theft, or initial foul play by the original creditors, then my company DO help people out. i have had numerous letter of sincere thanks from people who have had identity theft cleared up (removing bad credit scores from their name), and even from people who have admitted not paying, and we have helped make a payment plan that suits them, allowing them to sleep at night again. as for your suprise that i said we buy debt.....as far as im concerned, thats pretty much common knowledge for people who forum on a site like this...in fact, if u scroll up, youl see someone posting the same thing on the first few pages - thats how debt recovery agencies work. thats the way the industry works. you say this as if its illegal or immoral? as for you suspicion of my claim that i work there.....well, not much really i can say to that. believe me if u want to...if u dont, then dont. either way it makes no difference to me. i have no reason to lie. your suspicion only solidifies my impression of the paraniod, conspiracy theorist attitude of a select number of posters on this site.

Children.... I actually work for Mackenzie Hall. I have done for some time. Now before anyone has an aneurysm, please just let me explain a few things...Im not on here to argue or to make enemies (which im sure is inevitable), im honestly interested . in the information people are seeking here. I'd like to be the one person on this site that people can actually ask one on one, as opposed to other people posting opinions or misleading info. with re. to Gaz's problem....my dear friend, statute barred (or the 6 year rule) does not mean the debt is written off - legally, debt stays with you till u go to your grave. this is a massive misconception on these sites, people are led to believe that after 6 years, ur untouchable. This is wrong, and if anyone would like to approach a legal solicitor re. this, by all means, please do so. What companies like mine do is, they BUY bad debt from clients (ie. JD Williams, Llyods..) and they then pursue it. Bad debt means debt that obviously has been unatainable by previous creditors. however, only 1/3rd of our debtors are stat barred. most are only a year or two into the mess. and in terms of legalities, and using illegal procedures to attain debt, if we ever did breach any of these legalities...we would no longer exist. trust me. the governing bodies and regulators are watching and listening every minute of the day. yet mackenzie hall are the fastest growing company in this field in the UK, attaining high profile clients such as Lloyd's Bank. any rumours of rule breaking or legal ramifications are absolutly ridiculous. Gaz, it probably is identity theft.....either that or your estranged wife perhaps used your details for credit. either way, i would definetly pursue it, whther that be calling mackenzie hall or going to the police re. fraud....because it will stay with you until its resolved either way.