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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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Mackenzie Hall. Do any of you know of them?


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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 ..... :confused:

 

 

Received standing Order mandate dated 30th August :-x

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 ....:lol:

 

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 :confused:

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Don't forget to send it recorded delivery. And enclose a postal order crossed and made payable to Mackenzie Hall. This will be your proof that you have sent the request and they have received it. While the fee is theirs to do as they please cashing the postal order will confirm (in a court's eyes) their responsibility for providing the requested details. When they will fail to deliver, as they tend always to do, report them!

 

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

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Hi, I had the lady from the chip shop 3 doors away just knock on my door saying they had someone calling them asking for me (at my home address) and asking them to get me to call this guy (name supplied) "urgently".

 

A quick jaunt online (I was suspicious immediately) found that the number was for one "J2 Solutions" and a quick search on them found this thread. It appears that this is the MH people doing their dirty again.

 

The only debts I have are under 6 years old, but it is ofcourse far more likely a reputable debt collector would have already written to me about said debt rather than try these tactics.

 

Can they send bailiffs without giving me actual notice of the debt owed? Or giving me a chance to pay?

 

TIA

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Hi every one.

 

I am Yvan and completly new to this site, and a little bit sceptic about getting money back from the Bank. However I will try and hope it will work, if it does I guarantee that I will donate something, I believe it would be the minimum thing to do to show my gratefulness.

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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

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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

 

UKs

 

I think you will find as long as you completely ignore them they will eventually go away. May take a while as they seem to be quite persistent and sound like they go quiet for a while then appear out of the blue again with a new red card or whatever ruse they can come up with next!

 

They cannot apply a CCJ to you unless they go to court first, if they did send a summons then you would have chance to tackle it then, but to be honest I veryu much doubt this would happen. They just use as many underhand tactics as possible to verify you are where they think you are in the hope you will be scared enough to contact them and sort out a payment arrangement. remember it costs them money to take you to court or to send out collectors etc, doubt they would be willing to throw good money after bad!

 

If things do progress further just post back here and someone will tell you what to do next.

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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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

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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

 

They will try all sorts......even leaving messages on your answerphone if they have your number, asking you to call them as they have important news. Just ignore them.....eventually (may take a while) they will give up.

 

I have also heard they send out fake bankruptcy petitions, but the debt has to be over £750 for this anyway.....but again, I very much doubt they would follow through with a petition as it would cost them a few hundred pounds to do it and they would have to be fairly certain you had assets that could produce something for them.

 

I wouldn't worry for now!

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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Sorry in advance if i have hijacked this post

 

Got a letter from these guy's last month at my old address. I called them up to advise that the debt they was chasing was short settled.

 

They said i needed to prove this - and send them evidence so - i got on to the finance house who issued me with the funds in the 1st place.

 

After Many phone call's spoke to a gentleman there who advised that the debt was indeed short settled, I asked them to inform MH who said they would do so.

 

 

About 3 days later i got a call from the finance company who advised in fact there is an error and that figure of which i was told was short settled was infact what was sold to MH and that they have instructed MH to go ahead and collect.

 

What bugs me is

 

1. They aint even spelt my name correctly

2. They dont have my full address

3. The information they have between them and the finance house is sketchy

 

I called up MH and said if they can prove it then i will pay them the money - they said they will apply for original copies of documets and send me a copy.

 

I am still waiting for these. They want 650 quid off me by end of sept - if i am in the right after they have got the information then they said they will refund me the money.

 

I really dont know what to do. Im sure i have short settled this account.

if i pay them i dont think that i will get the money back.

 

I really need to know what i should do - i dont want a CCJ or anything I am really at my witsend.

 

any information would be great thanks

 

Giz

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Sorry in advance if i have hijacked this post

 

Got a letter from these guy's last month at my old address. I called them up to advise that the debt they was chasing was short settled.

 

They said i needed to prove this - and send them evidence so - i got on to the finance house who issued me with the funds in the 1st place.

 

After Many phone call's spoke to a gentleman there who advised that the debt was indeed short settled, I asked them to inform MH who said they would do so.

 

 

About 3 days later i got a call from the finance company who advised in fact there is an error and that figure of which i was told was short settled was infact what was sold to MH and that they have instructed MH to go ahead and collect.

 

What bugs me is

 

1. They aint even spelt my name correctly

2. They dont have my full address

3. The information they have between them and the finance house is sketchy

 

I called up MH and said if they can prove it then i will pay them the money - they said they will apply for original copies of documets and send me a copy.

 

I am still waiting for these. They want 650 quid off me by end of sept - if i am in the right after they have got the information then they said they will refund me the money.

 

I really dont know what to do. Im sure i have short settled this account.

if i pay them i dont think that i will get the money back.

 

I really need to know what i should do - i dont want a CCJ or anything I am really at my witsend.

 

any information would be great thanks

 

Giz

Do you have a settlement figure or negotiated reduced amount figure in writing anywhere? if you do then you have them, if not why did you short settle, was it a phone call they made to you? it may end being your word against theirs, I know who I would believe.

 

If you pay them and they eventually find out they are wrong (if they can ever be bothered to look) the chances are they would never pay you back.

 

I would ask them to prove themselves like you have, the chances are they will not come up with the paperwork, so ignore them until they do!

 

If they cannot prove you owe it then it is tuff for them.

 

Stick to your guns, there is nothing they can do, but it may be best to send them a formal CCA letter by recorded delivery, so that if there is a problem, in the future you have some paperwork to back things up. I would never rely on just verbal conversations, they will lie through their back teeth to get you to pay more.

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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  • 2 weeks later...

Hello, just been sent the MacKenzie Hall "We are attempting to contact the above named person regarding a personal matter" letter.

 

Probably like a lot of people was tempted to call in to have a go and give them the whole 6 years thing (the only debt it could be is circa 1996). But thanks to this site had second thoughts a put the letter in it's correct place, the bin.

 

Anyway just wondering if anyone knows how MH generate these letters and where they source there info from?

 

Reason I ask if that I normally reside overseas and in the last 8 years have only returned to the UK for more than a visit (ie for 6months plus) on 2 occassions and it just seems that each time I do return I get the same letter. Possible a coincidence, or maybe something more sinister?

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  • 4 weeks later...

Hi gerard dobbin here

Yesterday out of the blue i recieved a call from Makenzie Hall. It was an automated call asking me to contact them quoting some reference and to speak to blah blah blah. I just put the phone down. is it true that these people are just fishing for debts that have expired. If i continue to ignore them will they stop bothering me. I have a feeling they will try to use this method again to try and contact me. They phoned me at my work place. I have told my work colleagues to ignore this call should they phone again. Anyone got any advice from this great site. Everyone on this site are absolutley fantastic and i think unity amongst us is the only way to fight people like these out there who are trying to inflict misery on good people like you and me. Cheers.

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Hi gerrard,

 

As you may have read at the beginning of this thread, I received a mailing from MH asking me to contact them. This I ignored and have heard nothing further from them. I did check my credit record and I have nothing outstanding although I do have a CCJ against me. However, I'm of firm belief that this company just fishes for cases and pounces on people and scares them into payments that they do not have to make or could get dropped with a little bit of effort.

 

i'd suggest making sure you have nothing outstanding before deciding what to do next

 

hope all goes well,

 

eddy3oy

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For the benefit of people on here who are receiving numerous unwanted calls from Mackenzie Hall to I suggest the follwing:

 

1) Obtain the facillity to record both incoming and outgoing calls, "And it has been suggested more than once on this forum to either get skype, or a recorder from mapplins".

 

2) When you next receive a call from mackenzie hall, inform them that you are recording the call for legal purposes.

 

"say no more and let them take the inititive".

 

3) Write to mackenzie Hall, by recorded delivery, Stating that you do not acknowledge any debt to their company.

 

" I suggest that you type this in a font size of 22 at the head of the letter, just below yours and theirs address.

 

4) At the end of this letter, below your signature, at the foot of the page, I suggest that you Type:

 

please note that all calls will be recordeed for legal purposes, and you accept this as a condition of using my telephone number as a means of contact.

 

" I suggest that this is typed in a font size 9". After you have proof of delivery of this letter then you are not obliged to inform them that you are recording the conversation as they have already accepted, by contacting you this way.

 

Of all the people that I have advised to adopt this appraoch, Have had their calls drastically reduced by Mackenzie hall as :

 

1) mackenzie Hall conduct most of the business via the telephone

 

2) They are most unlikely to conduct themselves innapropriatly when subjected to their conversation being recorded.

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OMG I had one of their tacky red cards through my door too, but like an idiot I made arrangement to pay. Now whos the silly one! It was about 3 months behind the 6 year policy. Also, this was a debt from the Associates (Citicard now I believe). That card was taken out when I was 16/17 under seperate circumstances. No idea what to do. Ive not had any contact with them of late.

Bank: NatWest

Status: Completed *WON*

Last Letter Received: Agreement to repay £388.69

 

Please remember to read the FAQs if you are new or are looking for quick-fix advice!

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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 ..... :confused:

 

 

Received standing Order mandate dated 30th August :-x

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 ....:lol:

 

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 :confused:

 

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 !!

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Lol, I also have recieved a new letter from MH this morning and the creditor has changed from HSBC to BT Cellnet. :!: I know I owe money from the past to HSBC but not BT Cellnet. They want you to look and the creditor and phone up to say you dont owe any money to BT at which point they say it was a typo and they have you on the end of the phone to bully you. This is great that they are going to such lengths because they are just digging themselves deeper, creating more and more evidence of bad practice.

 

I have never contacted MH by letter or phone despite 3 nasty-grams from them threatening of all sorts of things like court action, bailiffs and attachment of earnings. My question is, has anyone actually ever been taken to court by MH? I haven't read of any cases yet.

 

Thanks for this great site!!!

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Please dont think Im thread hijacking, I am just a little worried.

 

Ok, this is the situation with me, in some brief points, and was wondering what will happen.

 

The debt was a credit card that was taken out when I was 16/17.

 

- Jan 2006 - Living in London, receive tacky red postcard

- Jan 2006 - I got scared that day and called them, admitting to debt (oops)

- Feb 2006 - Made arrangement to pay so much per week

- Feb 2006 - Name changed to Nukey Pearce, after informing them they told me they cant change the name on the debt because the debt was taken out in the old name

- Changed address

- Payments stopped

 

Im just a bit unsure. I heard in another post that even after contact (or something) after 6 years the debt will automatically close. Can some confirm this for me? Also what shall I do? Also nothing is on my credit record whatsoever with this debt. Thanks in advance.. :)

 

-Nukey

Bank: NatWest

Status: Completed *WON*

Last Letter Received: Agreement to repay £388.69

 

Please remember to read the FAQs if you are new or are looking for quick-fix advice!

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Couple of questions;-

 

Admitting the debt verbally on the phone does not acknowledge the debt. Making a payment does though- did you actually make a payment?

 

Are you sure this credit card debt relates to you? Credit of any kind cannot be granted to anyone under the age of 18. If this is the case then the bank would not have been able to document the account properly.

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I was scared into making a payment unfortunately

 

There were exceptional circumstances as to why I took it out at 16/17, because of some personal issues relating to my mother. I admit that I did lie on the application form, but I think the fact they are charging me £1,200 just for £250 I'd spent is a bit much.

 

I really dont know what to do with this company, they kept phoning me, sending me text messages and telling me to pay too much I could afford.

 

With the fact I was 16/17 when it was taken out, does that help at all? or am I still completely liable for it? :)

 

Thanks

 

-Nukey

Bank: NatWest

Status: Completed *WON*

Last Letter Received: Agreement to repay £388.69

 

Please remember to read the FAQs if you are new or are looking for quick-fix advice!

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If you have paid something towards this account you may have some difficulty but all is not lost.

 

First of all write to Mackenzie Hall demanding proof of the debt. This is the S77/78 letters, a template can be found on this forum. Send the demand by recorded delivery and with it a postal order for £1. Mackenzie Hall must, by law, send you a copy of the agreement signed by you, a letter confirming their right to chase the debt (from the original creditor) and a statement of account (explaining how they reached the sum being claimed.

 

This response must be sent within 12 working days. If they don't they are in default and cannot take any further action without a court order (Mackenzie Hall never take court action!) and if the default continues for more than 30 days they have committed a criminal offence. They would be laughed out of court if they tried to collect.

 

You may find this will be enough to chase Mackenzie hall off. But they may just pass it back to the original creditor who may then pass it onto some other collector and you'll have to go through the same procedure again.

 

You could demand the payment(s) you have already made back from mackenzie Hall. You could argue that no evidence = no debt and any money paid by you has been handed over under duress. If they don't hand it back sue them! I bet MHall, like the banks, will pay up pronto rather than face a judge in a courtroom, especially if they have no paperwork to back up their case.

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Wow I had no idea I could request the money back! I'm sending off from the template asap! theres no way Im letting them get their grubby little paws on my cash.

 

Ill let you know what happens from there. If they do send proof that I ask for, what will happen then? surely I wouldnt have a leg to stand on. Just a question..

 

Thanks for your help :)

 

-Nukey

Bank: NatWest

Status: Completed *WON*

Last Letter Received: Agreement to repay £388.69

 

Please remember to read the FAQs if you are new or are looking for quick-fix advice!

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If MHall send you the correct documents showing you signed an agreement and it is less thansix years old and the statement of account and the deed of assignment then it is likely you'll have to come to an arrangement with them.

 

But MHall actually having these to send is very unlikely. Check some of the other threads - Cabot for instance, in which they have stated in writing theydo not receive documents with a debt from the original creditor! That's an outrageous claim. If MHall respond at all they are likely to acknowledge recipt of your letter and then claim to need more time to obtain them. Stick to the timetable set by law and not by MHall's workers. Then when they default and commit a criminal offence stick it to them.

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