Received a letter from Mucky Hall regarding someone who MAY have been a tenant at some point in the past...Its regarding a settlement figure...probably SB or something as Ive been a tenant for 2 and a half years and not heard anything about this guy.. I opened it, and emailed them ( not that Im expecting a response ) told them this guy doesnt live here so what do if i do if i get any more?

Hi, I have had a debt with Wonga in 2011, and I have paid them in full, the only problem is that I now have Mcv Kenzie Hall weasles coming after me for the same debt. I have Bank statements showing all my payments to Wonga. What should I do please? These people are relentless, and they are not going to go aweay any time soon!

Hi, I've been getting spammed by text message and phonecall by Moorcroft. They didn't identify who they purchased the alleged debt from. They did leave a reference number in a text message, which allowed me to log into their website and submit a message along the lines of: "Your communication by text message and telephone will cease immediately, and you will contact me in writing. Failure to comply will put you in breach of the Protection from Harassment Act 1999, and s.127 of the Communications Act 2003. Any future communications will be recorded and logged to be used in evidence." They responded by letter saying: "Thank you for your recent correspondence, I write to confirm we require a monthly repayment proposal you can afford and maintain, to enable us to assist you further." This seems to imply they won't stop texting and calling until I agree to hand over money to them.

Hi all i wonder if anyone can give me come advice pleasE?? the problem is today out of the blue 25/5/2013 i get a text reading this:- PLEASE CONTACT MACKENZIE HALL ON 01563 503822 AND A REFERENCE NUMBER! M2XXXXXX SO i thought omg what's this so i rang them... they said who are we talking to please i say my name but its my married name they say ok where do you live so i didn't walk to tell them they said you used to live in a flat please confirm address well last time i lived in a flat was before 2007 so a while ago so i thought must be an old debt or something how strange! so they said what's your birthday so i told them and they said also no the name on this account is xxXXx which is my maiden name and blah blah blah date of birth well the date of birth wasn't mine! so i told them no this isn't my date of birth but is my maiden name so they said right we need to go away and research this and ask if this is really the date of birth for the company we are collecting for and they couldn't tell me anything else that was the end of the call... WELL of coarse now im worried as its must be a debt i forgot or something in which no way am i saying i have no right not to pay this as this is obviously my responsibility but i am very confused about how they got my new mobile number WHICH I HAVE HAD FOR 6 MONTHS for a start as its in my new married name i got married 5 years ago but when rang they only know my maiden name and no other details and the wrong birth date. any advise or any other info would be great and appreciated please?

Just had the following e-mail from Muck Hall: Am I on a phishing list and should I ignore them? I've read A LOT of bad press about these clowns... I have only one call from them and that was nearly 5 weeks ago. Didn't answer as my phone was switched off! It seems they don't even know if I am the person they want and mr is spelt Mr! Have checked the CRA's (All Three) and nothing on there that it could be. Ignore the best course? Had no written correspondence either!

Hi there, Really looking for some advice and what to do next....I had a loan with Pounds 2 Pockets and fell into financial difficulty and fell behind in payments. I contacted Pounds 2 pockets to try and set up a replayment plan however they said they were unable to provide me with bank details to set up a standing order and passed this to Mac Hall. This was in September of last year. Mac Hall then hounded me, contacted my place of work and generally harrased me. I ignored this however looking back it was maybe the wrong thing to do. I have had a letter from them threating door step collection, and also a couple of emails offering reduced settlements, one in November and another in Feb. Today I received court claim forms from Northampton - I panicked and rang Mac Hall even though I know I probably shouldn't have done this. The lady I spoke to said as court proceedings had begun she couldn't offer me a reduced settlement even though i have to reduced offers in writing these were withdrawn, either I paid the full outstanding balance withing 120 days or they would proceed with court!? She took and income and expenditure over the phone and then put me on hold and said her manager said there is nothing he can do as the process has begun, but she could set up a payment plan to clear it in 120 days to stop this happening, even though I clearly have no spare money. I really dont know what to do or what will happen? I want to get this sorted but dont know where I stand? The amount they are asking for has increased from the original amount I owed and I have checked my credit file and they have applied a default in their name, creating 2 defaults for the same debt!? I want to avoid a ccj if I can but I don't know if this has gone too far. Any help would be much appreciated, Thank you in advance........So stressed with it all!

Could someone please help me, I have a debt which was originally with First Direct which I defaulted on 13/06/06 for £14625. The debt was then sold on to Cabot on 21 June 2007, now I am sure the last payment was made on 27 December 2006 & there has been no acknowledgement from me since this date so I know that they would need to have issued proceedings by 27 December 2012. However, I am also aware that once proceedings have been issued they have 4 months to effect service. Mackenzie Hall have now been representing Cabot since 1st February 2013 and I have received 2 letters from them, the first one offered a reduced settlement of £12432.07 and the second letter received on 04th April 2013 offering an Amazing Settlement Offer (their words) of £2925.19 which is an 80% reduction. They have said this is a One Time Offer for which payment must be made by 22 April 2013. It says that if no contact is made by 22 April then collection activity will commence for the outstanding balance in full. On my calculations they would need to serve the court documents on me by 27 April 2013 at the latest. Their last offer, gave me 16 days for acceptance, which seems to be an unusual acceptance period (as I understand matter normally offers are open for 7, 10, 14 or 21 days) and I am concerned that they have deliberately stated that the offer expires on 22 April to allow them a couple of days to serve the proceedings by 27 December and ensure that they are still in time. However, I appreciate that they will be running right to the limit of the time periods and I'm not sure that they would do this? I have a friend who has said that they will pay the £2925.19 for me. However, I am concerned that 1. Payment may not be made in time. The offer says I have to make the payment before 22 April, it is now 20 April (a Saturday) and so I can't guarantee when it will "hit" their account" 2. If payment does not hit their account in time, I will have re - started the limitation period. Please could anyone assist with the above or let me know whether you have any experience of MacKenzie Hall and their tactics.

Hi all, I've just had to phone Mackenzie Hall and ask them to remove my wife's office number from their dialling system. How dare they!! They reluctantly removed my home number from their system a couple of weeks ago for the same thing. Now they're phoning my wife. The embarrassing thing is that they left messages on the answer phone and another of her work colleagues picked up the messages and passed them on. What's my next step?? I owe them nothing and never have, they have probably bought old debts that they are trying to collect on. They would be statute barred from years ago. Can I take them to court for harassment and possible embarrassment?? I would love to. Any thoughts.

I have been looking through a £1646.75 debt i have with meritforce/mckenzie hall the original creditor being black horse, since signing up to Experian i have noticed the debt to be £400 lower on my credit file? i have spoken to Meritforce who said it was an error by Experian, Experian are saying the debt they have on file is correct.. ..Where do i go from here? any advice welcome.

My partner and I were repossessed by Capstone nearly 3 years ago. We havent heard a dicky bird from them but we also had to get a secured loan with the mortgage which was from Welcome Finance. This has now been passed on to Mackenzie Hall my partner keeps getting the odd letter asking if he lives at the address we are now residing at. He is now saying that we are going to be getting baillifs coming to the door can i just ask this isnt correct is it as this loan is now not secured tried to explain this to him but he is frightened we are going to lose this property cant get through to him.

I have opened my email this morning (a Sunday) to find the following waiting for me. (I've hidden anything in this which identifies me). ----------------------- Private & Confidential - For Attention of MR [name removed]. We have been supplied this e-mail address to contact MR [name removed]. If you are this person, please respond via telephone to 08444115751 quoting reference number [number removed] whereupon further detailed information can be provided. We look forward to hearing from you as soon as possible. Yours Sincerely, Mackenzie Hall Ltd Mackenzie Hall Limited ------------------------- I have never had any dealings with Mackenzie Hall, and until I ran this through Google I wasn't aware that they are a debt collection agency. I presume the best response is to simply ignore it and wait until they approach me in some other way?

Hello, I was wondering if I could get some advice. My husband is getting letter from the lovely MacKenzie hall chasing a debt of £321.06. He hasn't had a phone from carphone warehouse since at least 2006 and this debt does not show on his credit file either. Are they able to chase this? Should we ignore them? Would a statute barred letter apply to them if we sent one?

Just found this in Credit Today http://www.credittoday.co.uk/article/14761/online-news/debt-buyer-serves-mack-hall-founder-with-court-order Wonder what is going on - seems they may have realised they have been sold a load of lemons!

Hi all, please stick with me, this may be a complicated read. My partner and her estranged husband took a home improvement loan out in March 2004 for £5000 plus £1098 PPI making £6098.79 total credit. In 2010 she found out that he hadn't been paying mortgage and bills etc, they separated, house was sold prior to the lender reprocessing. He has subsequently moved over to Romania leaving her with just over £10k debt (other creditors but Welcome is the most pressing, others haven't caught up yet). From the paperwork that is in front of me I deduce that the defaults started around 2009, this may be earlier though as he may have destroyed other paperwork. In 2011 she started receiving letters from welcome containing 'Notice of sums in arrears' and 'Notice of default sums', she called them in the first instance offering a full explanation of events leading up to that point but was rebuffed basically and told that the debt stands, nothing can be done apart from payment in full. Payment in full equated to £6068.74 which was simply an impossible amount to think of paying in one hit. In Jan 2012 she received and answered one of the many telephone calls and was told she had to pay something now to stop further action (I know she shouldn't have backed down) and paid £25.00. In Feb 2012 she contacted CAB who went through everything, sent a letter telling them to cease calling, asked for a full and final settlement figure and asked her to provide a financial means sheet. March 2012 brought a bit of luck in the shape of £2500 windfall which she duly put away in the hope that this may pay off the loan, CAB were informed and a letter was sent to welcome offering this amount as full and final, they rejected it! September 2012 brought a letter from Makenzie hall who now hold the debt, even though Welcome never came back to the CAB with a full and final figure. December 2012 was dire in the fact that her car broke down severely costing £1500 to put right. This £1500 came from the £2500 windfall as she needs her car as a home care provider. My questions are:- Where do I now start to sort this mess out? CAB, although good just don't seem to be pro-active enough. (not that I have any experience) Can the charges and PPI & insurances be claimed back so it reduces the overall outstanding debt? I find it incredulous that a loan for £6098 in 2004 paid until 2009 now stands at £6068! What legal right does she have over having to pay it all back when she was assured that it was paid before her ex left the country? She has given her ex's new address to Welcome but they don't seem bothered by it. I may have other questions but these are the ones that are at the forefront of my mind. Many thanks for sticking with this and look forward to any help and replies. LC

Hi all, New to the forum as I found you when trying to research the company who have contacted my partner for a £3000 debt he apparently owes. The letter is from Mackenzie Hall on behalf of their pursuers Arrow Global Limited and the original creditor Fairmile Partnership 1 LLP. The letter is dated 4th December 2012, however we only received it on Sat 8th December 2012. There is a "Payment Deadline: Noon, 11th December 2012". Quite a scary letter when you first read it, luckily over the 3 years me and my partner have been together I've become quite apt at dealing with these situations (he wasn't a good boy before we meet, but tigers can and have changed their stripes). This one has worried me a bit due to its aggressive and completely un-realistic deadline. Also the fact that while my partner has admitting responsibility for some of the past debts and I managed to get the amounts reduced or completely written off, if has absolutely no knowledge of owing £3000 to anyone for anything. I did ring them on his behalf just to state that due to his working hours he is unable to contact them within the required timeframe. The operator has said that she will post an enquiry on the account but she is unable to confirm anything with me as I don't yet have authority to speak with them. I asked if the enquiry will hold the account, but she cannot say only that "we shouldn't worry about the deadline". I hate it when people say that as in my experience it means we really should worry about it. I asked how long an enquiry will take and it usually takes a few weeks. Can anyone offer any insight into who these 3 companies named are and what the debt might be related to? Also any advice on how to proceed with them?

Please can someone help I have received a letter this morning from Mackenzie Hall as follows Reference ******** Client Reference ********* Pursuers : Arrow Global Limited Original Creditor: Cyclone Asset Management Limited Principle debt £976.19 IMPORTANT - DO NOT IGNORE We have been instructed by our client to recover this overdue debt on their behalf. Our clients have informed us that they are unaware of any legitimate reason for non-payment of their account and although they would prefer an amicable resolution, they will not hesitate to take such further action as may be appropriate. Payment deadline: noon, 11th December 2012 this letter has come out of the blue, the past debts i had are all status barred so can they still be pursued I have had no further debt in 10 years and my credit rating now is really good. I have no idea who these people are and also have no idea who a) the pursuers Arrow Global Limited or b) Original Creditor Cyclone Asset Management Limited are, I have never been contacted by any of these people before and have lived at my address for 3 years. What do I do ? do i ignore it ? over the years I have had numerous letters from Lowell Finance which I have ignored but I know all these debts are more than 6 years old, but this latest letter has come as a shock as I have never heard of any of these people. can they cause a problem with my credit scoring as it is excellent at the moment ? Can they take me to court ? should I phone them? or email them? I apologise if this has all been talked about on this forum already but I suffer with ill health and am dyslexic so can not sit and go through all the posts.

In 2008 I took out a loan from Welcome Finance for £4k later in the year I was forced to stop work due to failing health severe osteoarthritis and severe asthma ( had two bouts of potentially fatal asthma). I defaulted on the loan and had numerous phone calls & visits to my home from representatives of welcome. I was on DLA and my only means of support was from an occupational pension. It still is my only means of support as I do not qualify for any benefits because of the pension. I moved away from the area to a different county to be closer to my family in case anything should happen to me. I had enough on my plate dealing with my illnesses so the Welcome Loan became one of my least problems. In November this year I receive a fishing letter from Mackenzie hall at my current home asking if I was the person living at that address. This I ignored since then on the 30th November I received the following letter:- Pursuers Cattles Original Creditor Welcome Finance Sum £5130.50 FAILURE TO RESPOND NOTICE Dear xxxx Despite correspondences you have failed to respond. We have obtained this alternative address from a financial link from a credit reference agency. We have been instructed by our client Catttles to recover this overdue account on their behalf. Our clients have informed us that they are unaware of any legitimate reason why this has not been paid and although an amicable settlement would be preferred they would not hesitiate to take further action as appropriate. We trust that this will not be necessary and request payment by Payment deadline Noon 3rd December 2012 If you have made payment or have any issue then please ring 0844 411 5669 quoting ref XXXX If you are not the person above then please contact us on the number above quoting Address ID XXXX What du you suggest I do as I cannot afford to repay them that sort of money. They have only got my address from a third party as I have not reponded to any of the letters received from them. Please can anyone offer best course of action to take.

Hi, I have received a letter from Mackenzie Hall chasing a Welcome Finance Debt. How should i respond? This is what it states: Dear XXXXX As per previous contact by our client Cattles, you have been made aware that the overdue amount of £19**** remains outstanding. We remind you that you have a legal obligation to repay this balance. Due to your failure to resolve this matter in a satisfactory matter, your account has been passed to Mackenzie Hall Limited. The reason we are now involved is that previous attempts to resolve this matter have been ignored. You must contact us immediately on 08444115699 and pay this amount in full. If you are unable to pay this account in full you must contact us to discuss the matter further. Failure to pay or respond to this letter may leave our client no other option than to commence with further action without notification. Possible actions that may proceed: - Home visit: The purpose of which will be to discuss your circumstances and assess your ability to repay the balance owed. - Legal Action: We may advise our clients to instruct their legal representative with a view to issuing proceedings against you, which may also result in further costs being added to the amount owed. Please do not ignore this letter as we may commence with further action without further notification. Important: If you are not the named person above please contact us quoting XXXXXX This debt is outstanding, but i cannot afford to repay it and it is a joint secured loan on a repossessed property. Unfortunately, i have no contact with my ex boyfriend and so cannot contact him. I have been burying my head in the sand, but not sure what to do now as this letter has been received at my parent's address. Can anyone advise as to whether i should respond, and if i should, what should i say? Thanks

Evening all. Been reading a lot of stuff (mostly bad, tbh) about the above mentioned company. Had a letter from them on saturday morning regarding an old debt of mine. The letter was addressed to me, they were asking if I was the addressee, and if I was, to contact them, and if I wasn't, did I know where I could be found. I fed the letter through my shredder........... Let's start at the beginning. In early 2008, we took a loan of 10k out, stupidly with Welscum Finance, which as most of you prolly know, was flushed down the tubes by the high up shirts within the parent company, another dodgy lot by the name of Cattles Group. Now due to marriage breakdown, the debt didn't get paid. I've heard nothing for the last 5 years, but now it would appear that because Cattles has gone down the bog, they've sold on some of their debts to this rather notorious bunch, or at least the administrators of Welscum have. Now I'm no fool, and there is absolutely no way I would even think about phoning these people, even before I'd looked on here. Obviously the debt is NOT Statute Barred as of yet, I believe it will be as of April 2014. I'm very tempted just to sit back and see what happens, whether they know I am who they think I am. I'm guessing that they will have bought the debt for next to nothing as it's nearly SB, and therefore very unlikely to ever be paid. If I ignore the letters, are they likely to get more threatening?? It's up to them to prove the debt exists, right, not up to me to prove it doesn't?? Rather then ignoring their current letters, is it worth firing off a "prove it, fools" letter to them?? We do know that Welscum were particularly poor at keeping paperwork, it was well documented some time ago that they lost a lot of customer information. Obviously, for the moment I'm gonna continue using them as shredder food, (or possibly kindling for Sunday's bonfire) and there is NO way I'm gonna phone them. I understand that MH are a really nasty lot, and we've already had a fight with another DCA that were particularly nasty, so I'm no stranger to fighting with these low-lives. What's the worst these people can do?? Are they likely to push me into bankruptcy?? (Saves me the trouble of doing it, saves me the money and wipes off the other 23k we owe for a mortgage shortfall, so what's known as a win-win situation, I guess.......) Anyway, I've finished rambling now, so thanks for reading and I look forward to seeing your replies and thoughts on these idiots.

Just for my piece of mind please all, Have yet again got a 'Doorstep Visit' notice from Muck Halls tame pets ie the desk next door They have both had a template letter regarding 'Doorstep visits, As we all know they don't read letters , both sent recorded followed up with e-mails, would those nice boys in blue be warranted if they do and I mean do turn up ? If so could this be construed as Harrasment under Sect 40 ?

hi can anyone offer me any advice? i cant eat im so worried mackenzie hall have taken on my overdue credit card and payday loan. i do not live with my parents, they live in sheltered housing as my dads disabled and mums ill. some how mackenzie hall have got their number and keep phoning and asking for me, im a nervous wreck with it and its upsetting mum. ive just lost my job to ill health have a lot of debt and priority arrears so am stressed enough with out this. they are contacting me by email and are abrupt and aggressive

hi i have just received this letter from mackenzie hall for a debt with quick quid. although i continually offered QQ a repayment offer of £40 per month (due to my work hours being cut this is all i could afford), they sold it on to MH, i have had no correspondance with these apart from this letter ive attatched. i know they are a bit dodgy after reading other threads on here and was wondering if anyone could advise me on the best way to deal with them as they have threatened to contact my work which i dont want to happen, by the way i received this letter on the 17th lol

Hi there, Reading up on this forum, I understand that Mackenzie Hal are a lot more bark than bite, but I'd still like to know what I should be doing next. I've had a few letters from them regarding a Txtloan acct that fell into disarray. Knowing their reputation, I ignored them. However, I've had one today threatening "POTENTIAL ACTION" and that "NON-PAYMENT AFTER JUDGEMENT" could result in "an application to your employer for an attachment of earnings". Almost certainly twaddle, but I'd like to send a letter in response so it looks like I'm paying attention and so they know I'm not a sap. What should I be sending?

Mucky Hall rang for my partner yesterday, me being aware of number unavailable calls etc this displayed a local number which I answered and is false. They must have been ringing from Scotland. Surely that action is illegal? They have been searching for her under her previous name and me answering they have her, and my name is mud now also! They don't know here new surname. Over eight years ago my partner had a serious accident, broke her neck (is ok now) but was in a neck / head cage thingy etc. Happened in between changing jobs (notice period). She couldn't start her new job and had resigned from previous job! She unfortunately had to declare herself bankrupt (debt's from her ex- husband). Anyway that was all behind us now. Cleared from bankruptcy, built her credit rating back up etc but this Mucky Hall firm are chasing her now? She is aware of not contacting them or speaking to them ever and hasn't. They have rang her workplace as well. Everyone has denied knowing her apart from muggins here Will this go away? Expecting the calling and doorstepping and letters to escalate now. Thanks

Hi After being made redundant about 4 yrs ago Barclays continued to take a direct debit out of an account I thought I had closed. to cut a long story short I ended up £230 o/d I explained to them my circumstances, but it has now ended up in Mackenzie Halls hands. I have ignored all their letters which seems to have worked, but now have a letter offering me an instalment plan of £10 a month, which is resonable I suppose. My question is what happens if I continue to ignore them? as I feel aggreived to pay them anything, as I have a huge dislike for anyone that demands money and threatens court action! thanks