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Keith W

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  1. Just got a strange automated email from Mackenzie Hall, details below:


    Private Confidential - For Attention of MR ***** ********.


    We have been supplied this e-mail address to contact MR ***** ********.


    If you are this person, please respond via telephone to 0 8 4 4 4 1 1 5 6 4 5 quoting reference number * * * * * * * * * whereupon further detailed information can be provided. If you require Mackenzie Hall to call you back please text 'MACHALL' and your * reference number to 87202 e.g. MACHALL ******, for a call back within 45 minutes. If you are not this person please respond via telephone to 0800 012 6179.


    We look forward to hearing from you as soon as possible.


    Yours Sincerely,





    Mackenzie Hall Ltd


    Obviously I have no idea what this is about or how they have got hold of my email address, an email address I might add that is an obscure one that very rarely gets used.


    I run my own email server so have already added the Mackenzie Hall email address to my blacklist so shouldn't get any more emails from them, well from that email address at least.


    So what to do about this, if anything? Do I just file it under trash and ignore it?

  2. Hi HeftyHippo,


    Thanks for your reply, I found it slightly hard to follow but I am hoping I got the gist of it


    Egg have not issued me with a default notice or given and other indication that the account had been sold on.


    What I want to happen is for Egg to close the account as I have paid the money owed.


    I had already spoken to someone at Egg yesterday, who claimed they were a manager, but got nowhere hence my post here.


    I have had no contact from Lowell's and I do not wish to have any contact with them

  3. The thing is I do not know who to believe at EGG


    When I first asked to have my account closed I was told no problem, then I was told by the second person today that they can not close the account because the debt had been sold to Lowell's


    If the debt had been sold to Lowell's then why is my account still active and usable on the EGG website? Surely if they had sold the debt there would be no point in them keeping it or allowing me access to it?


    How can I find out what information EGG has on me with regards to my account with them? Specifically information with regards to them selling the debt on?


    Also are EGG not legally bound to notify me that they have sold the account on?

  4. Thanks


    I had no idea there was a specific forum for EGG issues or I would have posted this there, if you wouldn't mind I would appreciate it if you could have this moved there, oh and please could you provide a link to the EGG forum?




    I have found the EGG forum, I think I will leave my thread here for now if that is OK, I can always ask a MOD at a later date to move it if needs be


    ****END EDIT****


    I have never had a letter from EGG about my account being sold onto Lowell's and I have had no contact whatsoever from Lowell's about this.


    The only secure messages I have had from EGG have been about missed payments and the secure message I had today asking that I contact them via phone about my recent request to close my EGG account.


    When I contacted them as requested it was then, and only then, that any mention of Lowell's was made

  5. so how do you know what to pay?

    when was the last statement?

    and if no-one was chasing yo, why did you do it without checking first.....uttter madness, but i'd have done the same




    I am not sure I understand what you are saying or that you understand the situation here, sorry


    I had a credit card with EGG


    EGG do all there dealings with you via an online account which I obviously have access to hence how I know how much I owed them.


    When I lost my job I asked them to make my credit card repayment only, which they did.


    I then struggled to make payments to them for a while due to being unemployed.


    Now I am in a better position financially I logged into my online EGG account and paid off the balance owing.


    After this I then rang them to cancel my account with them as I no longer wanted the EGG credit card, which they said they would do.


    I then got a message from them today asking that I call them with regard to my account closure, it is at this point all the crap about Lowells started as I have outlined above in my previous posts.


    Up until this day as far as I was concerned I was a simple EGG customer who had missed a few payments but had now paid off there account and wanted to close down there EGG credit card account.


    There had been no mention of Lowells or the account being sold to them until I tried to close down my EGG account.

  6. That just it though


    I have received no communication from EGG to say they have sold the debt on


    I have received no communications from Lowell's with reference to this.


    I owed the money and have no problem in paying the debt off incidentally, as far as I was aware my debt was with EGG so I paid off the amount owing to EGG.


    It is now that I want EGG to close my account down that this whole other can or worms has opened up.

  7. Hi All,


    I am having problems with EGG and closing down my account with them.


    Some time ago I became ill and unable to work and asked EGG to make my credit card a repayment only one, which they duly did.


    Because money was very tight being unemployed I was unable to make payments to them until recently when I paid off the whole amount owing, £714.67 in total, bringing my EGG account to a zero balance.


    I then rang them and asked then to close my account down completely they said this would not be a problem and they would send me a secure message to confirm this.


    I received this secure message today and it asked me to call them again which I duly did.


    The woman I spoke to said they could not close the account down as they had sold the debt to Lowells and that I would have to write to Lowells to have the account closed down!??.


    I questioned this and said I had received no official notification from EGG that they had sold the debt and she replied that they did not have to do that.


    I also said I had received no contact from Lowells about this either and she said that was not EGG's problem.


    I then said if they had sold the debt on then why had they taken payment in full from me, she had no answer to this.


    I told her that as far as I am concerned my debt was with EGG as I had not received any official letter that the debt had been sold on and that they should contact Lowells and tell then this and close my account down, she refused point blank to do this and insisted that I must contact Lowells??


    Am I right in thinking that my debt remains with EGG, bearing in mind that they accepted payment in full form me and that I have received no official notification from them that they had sold the debt on?


    Am I right in thinking that I should not have to communicate with Lowells, especially as I have not heard anything from them with regard to this?


    So my question is essentialy where do I stand with this?


    Thanks in advance for any assistance with this matter.

  8. Thanks Andie


    The thing with this woman was she was very aggressive and rude from the very first moment I answered the telephone.


    It was like she had already decided I was a bad Dad and was in the wrong before even made the call.


    She wouldn't even entertain the fact that they may have been in the wrong.


    The other thing is I can not refuse to pay as the payments are taken straight from my benefits before I get them, I have no choice in the matter, so how she can say I refused to pay them is beyond me.

  9. I just got a threatening letter from the CSA


    Dear Mr. XXXXXXX


    Pay your child maintenance arrears now or face legal action

    That was the first line of the letter


    They say I owe a total of £485


    And that about sums the letter up, there are no dates saying when the arrears were supposedly accrued, just that I supposedly owe £485


    Surely they must provide more proof than this? dates etc.?


  10. Hi Mikey,


    This will probably be my next step


    I just cant believe how aggressive and downright rude the woman from the CSA was right from the off.


    They have never ever contacted me before today about any supposed arrears, surely they would or should have if there had been a problem?


    Another thing, which I forgot to mention when I wrote my initial post, when I rang the CSA on the 30th to find out why they has stopped taking the payments from my benefits the woman I spoke to said I would be repaid some money, dating back to the 11th June when my son was taken into local authority care, as it was an overpayment and I could expect to receive around £115, she then went on to ask me if I wanted that sent out in a giro or paid into the bank account that my benefits are paid into that was showing on her screen.


    So it seems in a space of just 3 days they have gone from saying they owe me £115 to I owe them over £400!


    Also I had two different time periods from the two people I spoke to today, the first woman said it was for non payment for a period of 8 months and second said it was for a period of just under a year - Now by my calculations of what I paid each and every week (£5 x 52) a years payment equates to £260 and certainly not the £400 they claim I owe

  11. Hi All,


    I am desperately hoping someone can help me.


    I have son by my ex GF and we split up before my son was born.


    My son was born 19/o9/2004


    Not long after my son was born the CSA contacted me and said I had to pay maintenance for my son, I had no problem with that.


    They told me that as I was disabled and on benefits that they would ask the benefits agency to deduct that payments for my benefits which they did, I had no problem with that.


    On the 30th of November 2009 the benefits agency wrote to me to tell me that they would no longer be taking payments from my benefits of behalf of the CSA.


    I had no idea why this was so immediately rang the CSA to find out what was going on.


    The CSA told me that my son had been taken into local authority care on 11th June 2009, which was news to me, and as such they were closing the case and I was no longer required to make any payments, they said they would write to me in due course to let me know but that these things take time.


    Today, 2nd December 2009, I received a call from a lady at the CSA who told me that the case had finally been closed but that I owed them over £400!


    I asked how could I possibly owe £400 when since day one the benefits agency have been taking the payments directly out of my benefits, she then told me that there was a period that no payments had been made and I must pay this.


    I said that the benefits agency had been taking the money direct from my benefits each and every week and that it was not my fault that there was a break down in the system and that the payments were not made for a period of time to the CSA and that surly they should be chasing the benefits agency for the payments that they had no passed on, she said that no they did not have to do that because as far as they were concerned the payments were not made and that was my fault and I must pay the £400.


    She then went on to say that I must have known that the payments were not being made and when I said that I did not and that as far as I was aware the payments were being made, she then outright accused me of lying! She then went on to say that I had refused to make the payments and when I said this was not possible because they are automatically taken from my benefits by the benefits agency and that I had no influence or choice in the matter, she then accused me of lying again!


    I then said to her that I wanted them to prove that the payments were not made and that I was at fault and she told me that they did not have to do this.


    She kept on insisting that I had to pay this £400 and I said as far as I was concerned I did not owe them this money and that I had my own family and children to support so did not have £400 anyway, to which she said she did not care and that the CSA would get the £400 by other means.


    At this point I am afraid I lost it and she hung up on me.


    I then went and dug out my collection schedule statements from the CSA and each and every one of then, including this years, say that no arrears are owed.


    I then rang the CSA back and told then that all my collection schedule statements said I had no arrears but they said that meant nothing and that the arrears only show up for those people in employment, things just started to go round in circles with them saying I owed the money and must pay.


    I am at my wits end with this, where do i stand? what can I do?


    If anyone can help and advise me I would really appreciate it.


    Take care, Keith

  12. Ok Have just received yet another letter off of Red saying they have been appointed duly authorised collect agent, pay up or else...etc. ect.


    This letter comes after I sent the prove it letter to which they replied with the letter attached in post 15 of this thread which said they would stop all collection activity whilst they investigate.


    Well it is obvious by today's letter from Red that they are not sticking to what they said and are not stopping all collection activity.


    Is there another letter I can send then to tell then to knock it off or else?

  13. I am merely giving you advice on what has worked for me in the past - telling them to go away on the phone works better than any letter ever would in my view :rolleyes:



    I am really pleased that it appears to have worked for you in the past however I think your advise is ill advised at best.


    It is something that is reiterated over and over again on this forum, do not call them and make sure all communications are in writing.

  14. Sorry but I disagree, everything should be done in writing so there is no ambiguity as to what was or was not said.


    Also am I allowed to charge them for my time, the letters I write and the postage costs?


    If I am are there any guidelines as to how much I can reasonably charge them?


    These people are really starting to pee me off now.

  15. Is there another letter I can send them that says they must stop contacting me via letter unless it is the information I requested showing that I owe T-Mobile money, which will never happen as I have never had a contract with T-Mobile


    I just want to send them a letter that spells out in no uncertain terms that they are to stop contacting me or else.

  16. OK I am getting really annoyed with these people now.


    I received two more letters, one for Red and one from Lowell, I have attached them as PDF files to this post.


    The one from Red basically said they have written to T-Mobile for further information to demonstrate my responsibility for the debt and that in the meantime all collections activity will be placed on hold.


    The letter from Lowell's basically said they were sold the debt by T-Mobile on 15/09/2006 and that they had assigned Red as the authorised collection agents and that they wanted to work with me to either agree a settlement or repayment plan.


    As I have said previously I have never had a contract with T-Mobile so I can not possibly owe them any money.


    Could someone please have a read of the attached letters and advise on where I go from here.


    Many thanks.

    2-Red DCS 29-8-08.pdf

    lp1-3 28-8-08.pdf

  17. From my limited knowledge there are a few things you need to remember if you are going to record telephone calls.


    1. You do not need the other persons permission to record any telephone call.


    2. If you intend to use the telephone conversations you record for any other purpose than your own personal records, such as court action or disclosure to a third party, then you must inform the other party to the phone call at the start of the conversation that you intend to record the telephone conversation


    3. If the recording of the telephone conversation is ONLY for your personal records then you do not need to inform the other party that you are recording the call, please remember point 2 though, you will not be able to use a recording of a telephone conversation for any other purpose than for your private records if you do not inform the other party at the start on any conversation that you are recording the call.

    • Haha 1
  18. Well Lowell's got my prove it letter, sent it recorded delivery


    I got a letter from Red Debt Collections in reply to my prove it letter today, please see attached PDF


    So What do I do now? Do I do nothing and just see what happens?


    Red will be hard pressed to get any information from T-Mobile on me as I have never been a customer of T-Mobile.


    Maybe I should start charging these idiots for wasting my time and the letters I have had to write to them

    Red DCS 22-8-08.pdf

  19. I sent the prove it letter off today to Lowell's


    Things have got a bit strange though as I received another letter today from Lowell's that was posted on the same date.


    It was basically a letter saying they had obtained an address from experian and that experian had said I had lived at that address and they wanted me to validate this information.


    Needless to say I have never lived at this address


    I have attached the letter I received as a PDF to this post.


    Having received this letter how do I proceed now?

    lp1-2 13-8-08.pdf

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