Mackenzie Hall. Do any of you know of them?

[NailPost]

"They also stated that all they need is confirmation I lived at an address years ago and something stating I owe money and that that would be enough for a civil action based on the 'balance of probabilities'!!"

 

Based on that load of old bull invite them, no indeed encourage them, to take that to a court and put it to a judge! The judge would take a very dim view of their methods.

 

If you could get a word in egdeways between the guffaws of laughter from his honour and the angst expressed by Mac Hall's brief you could ask for costs and damages!

[ODC]

Advise MH to take you to court because based on the balance of probabilities they are talking out of their arses as usual. Report them to East Ayshire TS.

[bettyboop123]

Thanks, have just saved template and will send it to them and hopefully that will be the last I hear of them. I take it that the threatening letter of further action is just a bluff?? as it is well past 6 years

[tiglet]

It's a complete bluff - just send the statute barred letter and if they continue to press, report them to East Ayrshire TS.

[djdave]

Advise MH to take you to court because based on the balance of probabilities they are talking out of their arses as usual. Report them to East Ayshire TS.

I'd say that based on the posts here, any legal action instigated by MH could be viewed as vexatious.

 

And yes, they're talking out of the arses....

[philiph20]

I have just got a letter from this "Company" out of the blue asking for me to contact them on a personal matter. i have no idea what this is about shoudl i just ignore it or return the letter to them them saying not known at this address?.

 

I have never had a credit check if i apply for one can outside companies track me down from this ot are credit checks completely ebtween me and the credit check company.

[philiph20]

I have read this site and they sound horrendous i will not phone them and for the life of me i have no idea what this debt will be, is it always debt from 6 plus years ago?.

[tiglet]

It generally is.

 

Would just file under "ignore" for now and see if they come up with anything else.

[ODC]

They are on a fishing trip

[tiglet]

Well, they are maggots, after all.

[philiph20]

Thanks for your advice they sound like absolute ****, should i juist ignore or return saying not at this address?.

 

Can outside companies get your information if you apply for a credit check?, i have never had one but i'm a bit worried that these slimeballs might get more information about me if i do.

[philiph20]

So is it basically a case that they are trying it on and haven’t got a leg to stand on as these dates are over 6 years so they are trying to bully people and play on their fears to admit their debt or make a payment?.

[tiglet]

So is it basically a case that they are trying it on and haven’t got a leg to stand on as these dates are over 6 years so they are trying to bully people and play on their fears to admit their debt or make a payment?.

 

Usually.

[JODIER]

Has Anyone Else Now Started Getting Letters From M/h That Look Like Wage Slips But Are In Fact Letters Asking You To Get In Touch. Are M/h Trying A Different Tatic Now And Not Using Red Postcards?

[ODC]

So is it basically a case that they are trying it on and haven’t got a leg to stand on as these dates are over 6 years so they are trying to bully people and play on their fears to admit their debt or make a payment?.

If the debt is over 6 yrs old (5 in Scotland) it doesnt matter whether you admit it or not. Its STATUTE BARRED and CANNOT be enforced.

[andrew1]

Thanks for your advice they sound like absolute ****, should i juist ignore or return saying not at this address?.

 

Can outside companies get your information if you apply for a credit check?, i have never had one but i'm a bit worried that these slimeballs might get more information about me if i do.

 

It will show on your credit file that you have applied for your files - that's all. It only shows to companies who you apply to credit for for lending criteria and I had one listed from a tracing firm who had applied for my info in relation to an identity fraud [problem] on me. Applying for your credit files will not do you any harm wha so ever and alert nobody to anything. I'd suggest you do it to all three agengies Equifax, Call Credit and Experian . It only costs £2 and you can see what has been registered. You can do it free on line to the agencies for a 1 month trial, but you'll have to remember to cancel after the one month otherwise you'll be getting them monthly and being charged.

[ODC]

As has been discussed at length on a number of threads strange things happen when you apply for your credit report. Many Caggers have received debt claims from some of the bottom feeders of DCAs (arent they all????) regarding old debts which may or may not belong to you. They also have received unsolicited application forms for loans.

 

Be wary of applying for your Credit Reference report

[andrew1]

As has been discussed at length on a number of threads strange things happen when you apply for your credit report. Many Caggers have received debt claims from some of the bottom feeders of DCAs (arent they all????) regarding old debts which may or may not belong to you. They also have received unsolicited application forms for loans.

 

Be wary of applying for your Credit Reference report

 

 

Geez's I never knew that, slime balls. How can they get access to your credit file without you applying for credit? I think, as someone else suggested an Application for a Subject Access Report on the CRA's might be in order. One person got over 2000 sheets of paper, but that just shows you what they hold on you but will also tell you what has been given out. Buggers!

[groovychickmum]

well add me to the 'informed' trading standards about mac hall.

16th july.cca request +fee

..............................nothing

late aug. recieved call from meritforce.......basic, no to answering data q's. in writing only.................no letter from either.

so, just emailled their local trading standards

[groovychickmum]

and can i just add, i started paying monthly for credit file online in june...........since then, i have got hundreds of loans leaflets etc, so i agree that accessing your credit file can trigger something.

i too, (soon) will be sending S.A.R. to all 3 cra's, not money a can afford, but it will give me plenty of reading, and to find out who has been checking my data without my permission.

[ODC]

Muck Hall should not have passed a disputed debt on to Meritfarce

[groovychickmum]

i dont think they have 'passed' it on, i think mac hall know they have no right to collect this,(no credit agreement' i know that ) but they havent acknowledged nothing, only contact was call from meritforce late late month.

let trading standards deal with it now. all i want is for a letter from mac hall stating no credit agreement,thats it, but they burying heads in the sand hoping i wont do anything, then either start asking for money again, or 'pass' it on, but we all know........THEY CAN'T.lol

[ODC]

East Ayrshire TS must be really peed off by the Kilmarnock Numpties

[philiph20]

Would people advise me to ignore the letter completely or return it to them with "Not at this address"?

[tiglet]

File it for the moment in case they come back to you later - i wouldn't advise putting "not known at this address" as they can check.