machenzie hall & equidebt

[gadgetgirl]

Mackenzie Hall has sent me a letter in my old married name , last used in 2002 claiming I owe £309 to RBS for a credit card debt. They bought the debt from equidebt I have telephone RBS and also been in touch with Credit Expert and they have no knowledge of this debt.

I changed my Name in 2002 and moved home in May 2003, I have been informed that the debt was sent to my following address in 2004, now in 2009 they have sent me a FAILURE TO RESPOND - NOTICE, I telephone them as soon as I recieved the letter, if I did not respond how was I able to get this information ?. I have had 4 address since this 'DEBT' in 2002 . If they can find my address why not my new name ?

I have asked for details of all transactions on the card and the dates of purchases, but I only get more demands for this debt of £309 from Dec 2002. MACKENZIE HALL has failed to respond to me, unless it is a FINAL DEMAND. I do not know of this debt and I have an excellant credit rating.

I have now sent them an E-mail also a copy of the E-mail will be posted to them informing them I will not respond to their demands or threats, I WANT the information before I part with any money. I will not be bulliied. THIS IS A [problem] AND A FISHING EXPERDITION.

Edited March 8, 2009 by gadgetgirl

[lilly white]

There You Are Again

 

Lilly

[gadgetgirl]

As I said I am new to this, I think I should give up now. I keep getting lost

[rory32]

Have you made an official complaint to Mucky Hall?

 

Apart from the fact that this is not your debt even if it was the account would be statute barred a long time ago.

 

Have you considered making a complaint to the OFT and Trading Standards? You should certainly do so.

[bigegg]

Don't worry about it.

You'll soon find your way around.

 

First things first:

 

DON'T SPEAK TO THEM ON THE PHONE.

They are (allegedly)bullies and liars who will threaten ANYTHING to get you to pay.

 

Have you EVER made a payment towards this ALLEGED debt since 2002?

Have you EVER written a letter admitting this debt since 2002?

 

First letter should be :

 

"I have no knowledge of this debt, prove it's mine or bog off"

 

DON'T SPEAK TO THEM ON THE PHONE.

 

If they come back with proof (no chance!) then the debt would be statute barred, in which case you should send the

"This ALLEGED debt would be statute barred, even if I did ever owe it, which I'm not admitting, so BOG OFF"

 

DON'T SPEAK TO THEM ON THE PHONE.

 

If they then prove you've made a payment. or acknowledged the debt IN WRITING in the last six years (which has even less chance than the above).

Then send them the CCA request letter + £1 to prove they are entitled to collect the debt. (which has even LESS chance than the above two).

 

DON'T SPEAK TO THEM ON THE PHONE.

 

OR:

since the letters are arriving in your old name, send them back "not at this address") and wait for them to write to you in you current name (then start with the "prove it" letter)

 

DON'T SPEAK TO THEM ON THE PHONE.

 

Around here, Mackenzie Hall are known as "the Kilmarnock Cowboys" - they specialise in chasing unenforceable, statute barred debt which no-one else would touch.

They also seem to employ some of the rudest, most arrogant knuckle draggers in the industry.

 

and finally:

 

DON'T SPEAK TO THEM ON THE PHONE.

[MARTIN3030]

Thread moved here as requested.

[babybear39]

You need letter M from here:

 

Creditors and DCAs - Letter Templates & Budget Planner

 

Amend to suit, do not sign print your name, send recorded and keep a copy with your postal receipt.

Edited March 8, 2009 by babybear39
reposting advice from other thread

[gadgetgirl]

This is what I sent to them by e-mail & 1st class post:

 

I HAVE RECEIVED YOUR DEMAND FOR PAYMENT FOR £309.25

YOU STATE:

I HAVE FAILED TO RESPOND (WHAT HAPPENED TO ALL THESE RECORDED PHONE CALLS)

YOU WANT PAYMENT BY NOON 13TH MARCH, for a Debt I know nothing about.

IF THIS WAS MY DEBT, WHY HAVE YOU NOT RESPONDED TO MY REQUESTS

 

THESE ARE MY DEMANDS SO WHAT ABOUT WHAT I WANT ?

 

1: I want to know the name of the credit card

2: I want to know what was purchased on this card

3: I want the dates the items were purchased

4: I want a sample signature to compare.

5: I remind you that it is a criminal offence to demand monies that are part of a [problem]. To this effect, I am contacting the relevant authorities.

 

I have spoken to Bank of Scotland as well as Credit Expert and they have no knowledge of this debt.

I have answered your questions, I have informed you of my details and still you DEMAND payment.

 

I DEMAND THIS INFORMATION IT IS MY RIGHT.

 

As far as I am concerned, you are acting outside the law.

 

I hope that I will not hear from them again, as I know nothing about this debt, and if it was my debt!! it is now over 6 years old

[bigegg]

looks OK, but they'll probably ignore the email, and continue chasing...

[gadgetgirl]

They can chase but I will not pay. I have the Law on my side, I have done nothing wrong. My next step is to report them

[bigegg]

Ayrshire Trading Standards are, I believe, compiling complaints against them.

[cerberusalert]

Ayrshire Trading Standards are, I believe, compiling complaints against them.

 

Contact Information

East Ayrshire Trading Standards Service

Tel: 01563 521502

Fax: 01563 554379

Email: [email protected]

[bigegg]

I knew someone would have it.

I'm a little pushed for time at the moment, hence the reason I haven't been able to run searches for letters and things.

[NailPost]

East Ayrshire Council Trading Standards are said to have been compiling complaints against this company for several years - but that's all they seem to do.

[sam614]

gadgetgirl had posted this earlier on the end of old thread about statute barred.

 

post said that muck hall said last payment had been dec 2002

wondered if they had said this over the phone(to be denied later)

or been stupid enough to say it in the letter.

definate proof there for ts that they are chasing a debt they know is statute barred:D

[gadgetgirl]

The date was given to me over the phone otherwise I would not know anything about it. IF they record telephone calls as stated 'for training purposes' then they should by law had over these telephone conversations when asked. !!!

I am going to send all other letters back to them as "Not Known at this Address" because the name they are using is no longer my name and has not been my name for 9 years

[sam614]

they get around that by saying calls may be recorded.

 

meaning if anyone ever asked for transcipts,they can then sort out the safe ones to send,

and deny any other dates.

 

[gadgetgirl]

I have now had a reply from MAC HALL with this information.

 

This information came directly from the Royal Bank of Scotland group. You were living at Abbey Street at this time.

A copy contract has been requested, however once provided and proven in our favor charges may apply.

 

Last Pay Date - 20/12/02,

 

I have now copied a letter from this forum and sent it back to them. I have requested in writting that the case is now closed as it is over 6 years old and I have had no contact from RSB.

[gadgetgirl]

This is the reply from MAC HALL

Good Morning,

May I advise you seek some professional advice rather than cut and paste text from the web.

I particularly refer to this part of the legislation.

“I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

It would then be up to you to provide address details when you move, to reasonably enforce this act. Failure to do so is breach of contract and as such evasion. Please ensure you have proof you have done so before continuing, as you will be asked to provide this evidence.

If you insist on continuing with this, then I ask you to put this in writing and sign it.

Regards,

Scott Hendry

[cerberusalert]

They actually committed to paper the fact that the last payment was made Last Pay Date - 20/12/02 ?

 

I knew these Scottish merkins were idiots, but this really is a classic even by their low standards.

 

Don't sign anything.

[NailPost]

Write back and ask for their complaints procedure. Tell them you intend to make a complaint about their gross indifference to the law as it applies to debt collecting. Add if they ignore your request it will be sent instead to the Financial Services Ombudsman and all the other regulatory authorities. I would be tempted to send it in a large envelope without a stamp and marked cheque enclosed but then they would deny receipt. Send it recorded delivery and start sharpening your pencils.

[gadgetgirl]

I will not sign ANYTHING!!

The best thing to do it ignore them and wait untill "The Court Case" !!

They have no case agaist me as this is over 6 years old

[sam614]

They actually committed to paper the fact that the last payment was made Last Pay Date - 20/12/02

 

 

PMS.

 

just love to see judges response cretins!

[cerberusalert]

You have got them by the proverbial short & curlys that's why the idiot Hendry is all of a bluster. Besides, we all know the amount of mail that disappears within the Bermuda Triangle of the Royal Mail (the banks & DCAs send thousands that are never delivered ) so obviously it must be reciprocal because the one you sent notifying them of a change of address never arrived either.

[gadgetgirl]

I thought you would all love to read this reply I have just received: LOL :lol::lol::lol:

Good Morning,

 

Please put it in writing to myself to the address below. I have taken the liberty of closing your account, but still advise it would be prudent to get a letter in writing which is signed so that we may formally deal with your case, as E-mail is not formal.

 

Please include in your letter your reasoning for believing this not to be your, as your response quoting the statute of limitations has confused the situation. If it is not yours, why refer to the limitations act? If it is not yours and you believe you have been the victim of some elaborate fraud, then please let us know and we will do everything we can to ensure that latter is resolved for you.

 

Scott Hendry

Litigation Officer

Mackenzie Hall

Unit 1A

58 Portland Street

Kilmarnock

KA1 1JG

 

I do hope this is of help.

 

Regards,

 

 

I will not sign anything, they will have to take out my kingernails first

Edited March 9, 2009 by gadgetgirl
spelling