Update to my previous threads concerning Mackenzie Hall Mackenzie Hall began to contact me around August of last year with their threats and nonsense on a dept that is nothing to do with me and would also appear to be statute barred as it is well over 6 years old (check criteria and research in previous threads here ) DO NOT ANSWER THEIR LETTERS , DO NOT PHONE THEM , DO SPEAK TO SPEAK TO THEM, Chances are that if MH are contacting you, that any dept is statute barred and uncollectable unless YOU agree to pay, as MH appear to specialise in this type of 'business' Here is my update I HAVE SO FAR IGNORED ALL CORRESPONDENCE FROM MH FOR THE BEST PART OF A YEAR AND NOTHING HAS HAPPENED , I received the red card and a few other letters spread out throughout this time. Then recently I received a letter from a 'Dept collection agency' Meritforce A quick Internet search reveiled that they were bought by MH some time ago. It spoke of an AUTHORISED COLLECTOR VISIT with the usual threats etc , no one at all came calling and the 'deadline' has come and gone Then another MH letter arrived with the same old nonsense and threats and informing me that there is still time etc etc ... There is a set letter here if things get to be too much, but I think I'm going to leave it for now, If anyone calls at my house, I will tell them to get off my land and call out the police if necessary, I have read that if they do have your phone number they can call, my advice is never give personal information to anyone over the phone NOT EVEN YOUR NAME, whenever I get so called service calls I always give no information whatsoever and put the phone down ...Good Luck!!! Sleep with the Angels , and be sure to post all of your info for others to see .... If you are a recent victim of MH reading this and suffering that same initial shock that we did pls do take a deep breath, relax and smile....

I promised to keep this thread updated so here is the latest development To recap, MH Little Red card arrives mid August 06 followed by MH bank mandate letter a month later So three months since Red postcard No actual contact at my address I HAVE REMAINED SILENT THROUGH OUT MH'S VILE THREATS AND NOT CONTACTED THEM AT ALL!! No phone contact FROM MH (I am ex directory and never speak to anyone about finances over the phone or would confirm who I am, unless I was expecting a call) Latest MH letter arrives , NOV 06 and now the creditor has suddenly changed to BT CELNET ?? (could it be that MH make it all up as they go along .... I have now been offered a wonderful 'one off offer' to clear this NOW REDUCED 'dept' in one go at a greatly reduced rate (discount of £200) or I can enter into contact IMMEDIATELY with MH to spread the payments.. I have no recollection of owing money to either of the two creditors MH has specified Message to all newcomers , Read all the threads here , they have saved me serious damage to my grade A credit rating as well as money that I could no longer legally be expected to repay even if the dept was actually mine which it isn't .. MH are chancers who Specialise in trying to collect old out of date dept that is actually statute barred being over 6 yrs old DO NOT CONTACT THEM AND READ ALL THE THREADS HERE !!

Many Thanks Chris for very concise info It would be interesting to know what other rouses they might try to use Have read about them sending someone from a near by chip shop and also stories of knocking at neighbours doors with some line about the death of one of your relatives, etc also that trading standards may need to be informed if they attempt any of the above. How does one deal with a summons, would imagine data protection letter to be an effective weapon, as M h can't ever produce anything official or signed by you for fear of breaking I believe The amount is only £600 so as you say hopefully it's not worth them throwing money at this one or bringing in J.S Solutions, (their own dept collection agency I believe ) Good luck with your own Battles and Thanks again !! UKS

I have received both red post card and bank mandate from Mackenzie hall I have not called them or spoken to them Last communication was 2 wks ago, now it's gone quiet I have a dept free 8 years at my present address and my credit record shows this with no visible negatives or defaults What is likely to happen now ?? If Mackenzie h attempt to open an old CCJ , will I be informed first or could Baliffs suddenly turn up at my door? No one seems to be answering questions here anymore, so could one of the Moderators pls help Many Thanks Uks

Can anyone let me know at exactly what stage or under what circumstances you may need to send the standard letter Also does anyone have the link to standard letter and details of where to direct complaints i.e consumer council or trading standards addresses Thanks to all who have posted on this thead Best Wishes UKS

Update Received Mackenzie h Red postcard to contact ' no later than 29th Aug 06' Did not contact them BEST ADVICE when faced with this is DO NOT PHONE OR SPEAK TO THEM !! Mh try to collect on old statute barred expired dept ..a phone call from you could possibly re open the expired dept , depts expire after 6 years of no contact or payments from lender to company, however ccj's that you may not even know about could have been issued by default and these can possibly be re opened if the company can provide good reasons for doing so to the court (I do not know how high the instance of re opening is but maybe it depends on the amount.also I believe new laws in their favour may have recently come into force, maybe the experts here could comment ) Apparently Mh do not even know for sure that you exist or are even the person that they are fishing for , If you give way and phone you could be putting yourself on the map and in line for all sorts of trouble !! (if you know more than I do pls add your comments ) No recollection of this dept at all ..... Received standing Order mandate dated 30th August Did not contact them Mh have stated a company -v- My name and no other details at all !! lots of threats of balifs seizure of assets etc etc Checked Credit score and report , result follows .... Your National Credit Score**Your score is: 968 on a scale of 0-1000 A higher score generally indicates that lenders will consider it less risky to lend money to you. This score reflects the information held by Experian on the date shown here: --/--/2006 Your credit score category is: Very poor Poor Fair Good Excellent (No negative entries at all dating back over the full 6 years held on record ) How you compare against the Nation: In comparison, your National Credit Score is higher than that of 80% of UK consumers applying for credit. What do I do now if anything at all, and what could possibly be coming next

Pls Post Your Full Mackenzie hall Case Histories Very Good point , if the dept is over 6 yrs old can it still show up on a credit report ? legally I think not? but I believe creditors can access this info somehow? Could people who have been troubled by Mackenzie hall in the past Pls enter a brief case history (no personal details of course) from start to finish so that others can find all the information in one place and learn and benefit from the experiences of others Many Thanks !! and best regards to all UKS

Valid comment Dave !! and well done for 'censoring' the bills that were requested Do other Mackenzie hall victims agree that generally their credit checks have come back clean??

I posted enquiry about credit checking because I have received (AND IGNORED COMPLETELY) both the Red card and Bank Mandate from Mackenzie Hall and wanted to report my fight back in it's entirety as imho part of the process of fighting back against Mackenzie Hall has to be finding out about your credit record and of what negative aspects, ccj's etc might be lurking there and require attention/removal Generally I have noticed that most victims of MH have reported a clean cc history because MH attempts to reinstate old expired dept (over 6 yrs old) by tricking and threatening it's prospective victims into calling them ..SAY NOTHING AND DO NOT CALL THEM !! Imho the first thing MH victims need to do is check their credit record just to make sure that they are not the victims of recent I.D. theft (credit records go back 6 years) Update... Credit Expert Pin required that they send by snailmail has not arrived yet, will report and update ..If there is an old negative entry will set about getting it removed but expect to find nothing like most other MH victims Many thanks for all Positive feedback!! I plan to report my fight back against Mackenzie hall from start to victorious finish!!

Further to my last post concerning Mackenzie h I have just been to Equifax online and attempted to get an online credit report The first time I entered all my details nothing happened , the second time this eventually came back !!! We are sorry, but we are unable to verify your identity on-line. Your credit card has not been charged. For assistance completing your purchase, please contact our Customer Care department at 0870 010 0583 between 9am and 5pm, Monday to Friday . there is also an error code Error Code: FID 12/09/2006 22:05:41 I have lived here for eight years full electorial list and I have a bank account etc etc also registered to my address I am really angry now , having passed personal information to Equifax and received this nonsense back, could it be that this information will now be passed on?? Will now send post apps with £2 to all three agencies I suppose. This all seems like some kind of a conspiracy!!! any feedback very welcome as this whole Mh fiasco is giving us sleepless nights and we have jobs in the nhs to hold down and patients to look after Have joined credit expert free 30 day trial and received this reply We will process your order and send your order confirmation to the e-mail address you provided on your application. If there are any problems processing your order, we will notify you. A reminder of the benefits of being a CreditExpert member: Many Thanks to all who have left feedback

Ok thanks I intend to ignore them completely and check for a ccj against my name However should that ccj be against another address I presume it would not show up on my credit history? Is it also correct to assume that if a company attempted to re open an old ccj and direct it towards someone , that either themselves or the court would have to contact that person in advance as part of that process ? As already stated I have no knowledge or recollection of this dept

I have also received a red post card (about a month ago) which I decided to totally ignore and then, ten days later, a Letter arrived with lots of nasty threats and a mandate of 35 payments adding up to a total of just over £600 There was also a company name -v- my name which does not relate to anything I can recall at all , does this imply that there was a past judgement against me or someone of the same name perhaps? I have no recollection of this dept at all and feel that I could be the victim of ID theft This letter arrived about a week ago and I have ignored it also. This correspondence from Mackenzie hall and the evil threats contained within constitute a very harrowing experience for both myself and partner who has become quite upset by this sudden unwarranted intrusion and assault on our peace of mind. Thank goodness for your excellent site!!.. I understand that this company 'buys in' old out of date dept and then attempts to collect on it by asking you firstly to confirm that you are who they think you are, (which in it's self can start the clock ticking again on out of date expired dept ) Also by getting you to call them and accept the dept which then re opens the case and provides another 6 year 'window' Do they sometimes simply fish for names, does anyone know of their actual methods ? I understand the real deciding factor in how far that Mh can actually go,would be the possible existance of a CCJ which would be closed after 6 yrs but they may well attempt to re open? I have read all the posts but need to claryfy one or two points. Am I right to assume that if the borrower found himself in dept and then entered into an agreement to repay and later defaulted and did not have any contact with the lender for more than six years, the dept would be classed as expired? And would this mean that the dept could only be re opend if the lender admitted to the dept in some way ? (as long as no CCJ had been set in place ) And because a repayment agreement had actually been set in place to repay the dept by instalments at the time, (Which was then defaulted on, with no contact for above 6 yrs ) a CCJ could not legally have been put in place ? From what I can see, if you spoke to them and had a revised or redused repayment system in place this means that they can't ccj ?? (I am not sure of this, it is a question for the experts here Also 1/ If I check my credit record and rating now will I be able to find any old expired CCJ's How can I check if they were recorded against other addresses not linked to my present address? 2/ Will M.H. be able to see that I have been checking my address and linking it to others and could this in any way incriminate or confirm my existence and links past and present to them ? 3/ Is it possible to check for CCJ's and default judgements anonymously ? 4/ If there is an old CCJ way past it's enforcement expiry date, can I expect them to attempt to re open it , If so how do I go about getting it set aside ? 5/ How long can I ignore them , will they send someone to come knocking ? When or at what stage should I send the standard letter , can someone link me to the best standard letter for this case pls and let me know the best course of action ? 6/ in the event of a ccj being in place but over 6 years old, is there any chance that they could get it re opened quickly and be on my door step with bailiffs ? If they do come knocking, I intend to either not answer or simply tell them to get off of my land If they telephone (we are ex directory) we will be vetting all calls and saying nothing This is a very bad experience for anyone to have to go through, and any advice would be very welcome Thanks in advance