Hi, i like many others in bother with PDLs. I took out a loan with PTP for £600, paid back £353.64 but then got into difficulty and couldn't pay. I contacted all of the PDLs by email and heard nothing but was then bombarded (and I do mean bombarded) by texts, mobile calls, landline calls and even at work calls, endless day after day after day, sometimes even 7 days a week but mostly 6! Recently Mckenzie Hall stated harassing me 4/5 times a day and recently at work. I work in a shared office and could not take the call so just said that she (me) wasn't in the office and stated 'would you like to leave a message'. To which the caller gave their number and the name of the company! Now that could have been anyone in my office taking that message, is this legal? Secondly, I have now received a letter from them stating: "We write to give you formal notice that Pounds to Pocket has legally assigned the rights to the above debt to mackenzie Hall Debt Purchase. This means that Mackenzie Hall Debt Purchase now legally own the debt." the rest is the usual taking you to court etc etc etc Plus they have registered a default with callcredit. Any advice would be greatly appreciated. I am taking steps to contact all and offer some form of payment but these guys are aggressive. I have changed my mobile number to stop the texts etc. Thank you

I recieved a letter from Mckenzie hall a few weeks ago regarding a supposed debt with HSBC. I wrote back to them asking for proof the debt belonged to me (as I felt it wasn't mine). They have now written back with 2 years worth of bank statements. The first statement shows an amount of £5000 being credited to the account and the last statement is a little weird as to me it says that the account was closed with £0 owing (see attached). They are claiming I owe around £2000. What I do not get is why they have sent a load of bank statements insted of some kind of signed credit aggrement, surley that would be the proof I wanted rather then random bank statements. The credit on the statement doesn't even show where the money came from just says CR £5000. Whats the next step I should take? The debt is 5 years old and this is the first I have heard about it in this time.

Hi, I had a call from McKenzie Hall today. They are handling a debt i have with Welcome Finance. I borrrowed 1500 from them in 2006. I made the payments up until 2009. I heard nothing from them and wrote to them twice with no response. Today they said the balance is 4k. I've asked for all the documentation. I don't have a list of payments made but i assume i can get this through a SAR, which i will submit tomorrow. Does anyone have any advice on dealing with this sort of thing? I am in a DMP with Payplan, but i don't want to add them into it at 4k. I will pay what i owe, but this is not right. Katy

Hi, This is my first visit here, and was hoping you could help with a problem I'm having with Mackenzie Hall. Firstly, I took out a contract with Virgin Media for Broadband, TV and Telephone. I had recently moved into a rented flat on starting the contract. When I originally signed up for the services, It was all done over the phone with a representative from Virgin Media. I at no point ever signed a contract, and the man from Virgin Media even stated to me, he will put a squiggle where I need to sign, so he wont have to send the contract in the post to speed things up. After approximately three months I lost my job and had to give up my flat and move back with my parents. Obviously, this was quite distressing and I just left the flat and did not contact Virgin about the situation. A stupid move, but, I was certainly not thinking clear at the time. Two years on and having moved to three different addresses I have had Mackenzie Hall track me down. I have not spoken to them or acknowledged anything. All I get is constant phone calls and text messages which I have since black listed on my mobile. At my previous address I began getting threatening letters. Could anyone please give me any advice on what to do? Many Thanks

Hi, this is my first post so forgive me if I have done anything wrong. A couple of years ago my partner and I splitt up which resulted in me getting into debt with a Halifax credit card, as I could no longer aford the mortgage and all the bills on my own. I have now recieved a letter from Mackenzie Hall stating: "We are writing to notify you that Halifax has assigned all of its respective rights, title and interest in respect of the above referenced account ( including the outstanding balance ) to Mackenzie Hall Dept Purchase Limited, effective 31/07/2012. the total balance sold was £11812.04, as at the date of sale 3/07/2012. any payments made towards your account after 31/07/2012 will be forwarded to Mackenzie Hall, and will be deducted from the balance shown above. Under the terms of this assignment, and as defined in the data protection act 1998, Mackenzie Hall, is now the data controller of your personal data contained in the records of this account. Mackenzie Hall Limited has been appointed to manage your account and it is essential that all future payments and correspondents be directed to Mackenzie Hall." I have also recieved another letter from the Halifax stating that "the Halifax has now assigned to Mackenzie Hall Debt Purchase Limited the outstanding balance under the above account effective 31/07/2021." would anyone know if this is an Legal (Equitable) Assignment or if it is an Absolute Assignment, I recieved both letters in the mail, and they were not sent by recorded delivery. I know I have this dept and i would like to clear it as soon as possible ( although I cannot afford to do it in a single payment ) but I would much rather clear this with the Halifax rather than deal with Mackenzie Hall, as i have read some very bad reports about how they opperate. any advice on what I should do would be greatly appretiated. Many thanks bottlescrewbill

Hi. I had a roasting at work yesterday from my boss. Mackenzie hall have been phoning the office and I am not allowed calls at work. I have written to them to tell them that I'm not allowed calls and still they insist on phoning. I am in the process of getting a complaint off to the OFT, however, yesterday I found out that they actually left the reference number that relates to my account with someone in the office. I just would like to know if they have breached the Data Protection Act as well as OFT guidelines. Thank you! Paul.

this morning i get a letter thrugh my door off of a debt collection agency called Mackenzie Hall demanding i pay £759 in 7 days or they will take other actions. Bit worried as i had a stupid moment and borrowed £350 off wonga was going to pay it back as i did borrow once in an emergency as i had my car to pay for but when i did have payday i paid it back right away probably 2 or 3 days later this time i had greedy moment and thought it wouldnt hurt to re borrow so i borrowed £350 would say i wasted it and got nothing to show for it I kept Wonga updated on my redundancy and my job search to try keep these idiots off my back and one day i had a 1 time offer off wonga in my email and it said cut the amount you owe us today by 55%. So i clicked it and it said just pay us £400 today which sounded fair to me but once again i didnt have the money to do this as i was out of work. Tried emailing this Mackenzie hall today what a load of junk there website is the contact us page doesnt work and the email on the letter comes back as failed when i try to email Wonga said i would only have to pay £400 to clear the debt but this agency says i need to pay £759. here is what i get when i email the company on the letter Delivery to the following recipient failed permanently: Technical details of permanent failure: Google tried to deliver your message, but it was rejected by the recipient domain. We recommend contacting the other email provider for further information about the cause of this error. The error that the other server returned was: 550 550 5.1.1 User unknown (state 13).

HI, im after some information, if any one can advise.. ...i had a loan with pounds to pockets which i paid for about 7 months, (was for12), unfortunately i fell into arrears and could not pay it off. ..now its been passed to mackenzie hall, and they have emailed me asking for my personal details, which im reluctant to give, im not disputing the debt, i want to pay it off, and have asked for their bank details to set up a standing order, but they say they cant do anything without my details, seeing as theyve addressed the email to me and ive replied saying yes i want to pay and p2p passed on my details, so they must know its me there dealing with.. ..i dont want to give my details there asking for, (name, dob, address, post code, tel no etc), i jus think its a bit invasive seeing as i have acknowledged the debt... ...do i have to provide my details?????

I've had a letter from Mackezie Hall today saying they will commence pre-litigation doorstep visits to recover a debt. Less than 2 weeks ago I sent then the "doorstep" letter yet they seem to be ignoring it. Do I simply reply re-iterating the same again, perhaps adding in that I will submit a complaint to OFT for harassment if they do visit? I have just registered with Noodle and the debt they are chasing isn't showing. Do I take it that this means that it defaulted over 6 years ago? How can I find out if it is statute barred?

As I have been getting some great help from this site regarding my old debts, I thought I would ask here on behalf of my Daughters Mum regarding a debt she has been paying that I think was maybe statute barred BEFORE the DCA started taking payments from her. I am thinking they tried their luck and hit the jackpot with her. Around early 2002 (She is looking for old statements today to confirm date) She was offered a loan from Barclays which she agreed to, she made a few but not many repayments to the loan but stopped due to losing her job and then having our daughter which meant she couldn't afford to keep up the repayments. On 01/09/2008 Mackenzie Hall took on the debt of £7,375.94 and took her first repayment on 10/10/08 of £40. Since then, they have taken the following payments: Statement Page1 Date Type Amount Balance 10/10/08 Payment 40.00 7,335.94 09/12/10 Payment 40.00 7,295.94 06/01/11 Payment 40.00 7,255.94 03/02/11 Payment 40.00 7,215.94 03/03/11 Payment 40.00 7,175.94 31/03/11 Payment 40.00 7,135.94 28/04/11 Payment 40.00 7,095.94 26/05/11 Payment 40.00 7,055.94 23/06/11 Payment 40.00 7,015.94 21/07/11 Payment 40.00 6,975.94 18/08/11 Payment 40.00 6,935.94 15/09/11 Payment 40.00 6,895.94 13/10/11 Payment 40.00 6,855.94 10/11/11 Payment 40.00 6,815.94 08/12/11 Payment 40.00 6,775.94 26/01/12 Payment 40.00 6,735.94 23/02/12 Payment 40.00 6,695.94 29/03/12 Payment 40.00 6,655.94 31/05/12 Payment 40.00 6,615.94 Am I correct in thinking that providing she made no more repayments from 10/10/2002 at the latest and because the first one to MH was 10/10/2008, that this debt would've been statute barred before they started taking money from her? Which would mean they have been obtaining money erroneously? My next dilema is, what should be the next steps we take regarding this? She has already checked her credit file and there is no reference to this debt at all, no defaults etc and it doesn't show on there that she owes anything. I only found out about this from her yesterday when I mentioned my debt that I'm trying to sort out.. She has been bullied by these people for almost 4 years, she said they ring her every week demanding that she checks she has enough money in her account for them to take, they have her debit card details and can take money basically whenever they wish. Last week she was apparently threatened with Bankrupcy and Door Step Collection.. She is a very small, shy girl with 3 young children in the house and shes now terified when the doorbell goes. She is also the mother of my daughter so I would love to get this solved for her, I know it would be a huge weight off her shoulders. Thanks in advance for any help you can offer

I had a £25k loan taken out almost 10 years ago, was paying almost £400/m regularly and had only apx £8k left to pay. Was suddenly not in the position to make the monthly payment and have instead been paying £40/m. I had discussed my circumstances with them and I guess - although they were not happy - they must have realised that with all the interest payments over the years I had pretty much paid off the original debt they seemed to have accepted the nominal monthly payment for the last year+. However, with Christmas, bad weather and sickness I completely forgot to make the November and December £40 payments. And now Westcot DCA has reared its head chasing me For the last few weeks I have been receiving texts and calls (unanswered by me) from Westcot. I did not know why they were trying to contact me so ignored them. today I received a red letter from Westcot : Important - Notice of Debt Collection - for the whole amount (8k) outstanding. I quickly went on line and made up the 2 months and this months payments so that I am back up to date with the normal nominal payments. But what should I do now ? Do I completely ignore Westcot ? And write to Halifax again - say circumstances have not changed, the payments were missed due to oversight, and I need to continue the nominal amounts ? Or should I try to negotiate with them to try to clear the debt with an offer (which I might have coming in within the next month or so) of apx £1k ? For what it is worth, Halifax has frozen the total - no added interest - so all the nominal amounts have been reducing the balance. I really do not want to get battling with dcas now.... Anyone's help is much appreciated.... Thank you.

Hello, forum noob so be patient with me please. I am receiving letters which I suspect is for a debt which is probably 14 years old but the letters do not have my current name on them. I divorced then changed my name briefly due to my ex having debts I was being hassled for. I am now known by my maiden name. I was receiving these letters at my two previous addresses but always returned them 'not known at this address'. I have just moved and I am now getting them here. Advice please - I have not opened the letters and have never responded to any of them during this 14 year period and wondered if this falls into the statute barred category? Also, if they are not in my current name can they take action against me? BTW I have checked the addresses on the back of the envelopes and they are from Lowells and Aktiva Capital UK and I have received 5 such letters in the last few days. Whilst checking the addresses I could see through the envelope and one of them claims I owe Barclays bank £360. I have never had an account with this bank. :eek:Advice please. [/url]