Mackenzie Hall. Do any of you know of them?

[ODC]

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

 

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.

Or you can always mark it return to sender

[Hippy-chick]

Hi all

 

Phew - I'm so glad I found this thread. A couple of weeks ago my mum got a phone call from these delightful folk demanding to know if I lived there. Although she said that I didn't, they have still sent me a letter to her address, which she's forwarded to me. It purports to be about a Barclaycard debt. However, I have had no credit cards for the past 15 years - settled my last bill in full, as ever, returned it to the bank when I gave up my fat cat job and became a poor student. I have told mum in no uncertain terms that I DO NOT OWE THIS MONEY, but my dad is pretty senile and we are worried what he might do (i.e. pay the bill) if he answers the phone.

 

What do you reckon? Ignore and be worried about the old folk being hassled? Or send the statute thingy letter?

[tiglet]

Send the statute barred letter and if they continue to call your parents, you will report them for harrassment.

[Hippy-chick]

Thanks Tiglet.

 

I think I ought to send them a letter. But, having looked at it again, the statute barred letter makes it sound as if I am saying that there is an old debt. And what I am saying, is that there is no debt. Och, I am so confused.

[andrew1]

tbern123 had the same with a Barclaycard account which he had never had but his was through the Collection agy Cabot. Take a look at the earlier strings of his thread.http://www.consumeractiongroup.co.uk/forum/cabot/36665-cabot-again-urgent-help.html

 

Personally, I would send them a CCA Request letter with your £1 postal order http://www.consumeractiongroup.co.uk/forum/general-debt/83035-guidelines-requests-original-agreement.html which states a) "I do not acknowledge any alleged Debt to your Company" b)asks them to provide a copy of the original credit agreement they should have c) statement of the account and d) any Deed of Assignment which has the debt assigned to them. That way you don't need to be worried.

 

I doubt you'll hear from them again, but if they have the address and begin telephoning as they are prone to doing then you need to find the harassment letter in the Templates library on here and send them that. Under the Communications Act 2003 if you ask for anyone not to call then you can stop them by using this Act.

 

Do not pay anything, do not answer telephone calls from them without telling them you will only communicate in writing, and most of all, do not worry.

 

If they give you any kind of grief what so ever complain to your local Trading Standards office. These people are the pits.

 

 

Sarah

[ODC]

If they give you any kind of grief what so ever complain to your local Trading Standards office. These people are the pits.

 

 

Sarah

Their local TS have a rather huge file on these numpties and would be delighted to hear from you. East Ayrshire Trading Standards

[Hippy-chick]

Thanks andrew and ODC.

 

I've checked the CCA request letter. However, I think I will send the letter below first (gonna sleep on it, maybe ask a couple of my lawyer mates tomorrow night). Basically, I have two issues to address, which are not mentioned in the CCA letter I found on this site*:

 

1) I do not owe this money

 

2) The demands (both by letter and phone) are beign sent to my parents address.

 

So, here's my proposed letter:

 

......................................................................................................

ADDRESS

 

DATE

 

 

 

 

 

 

COMPANY ADDRESS

 

WITHOUT PREJUDICE

 

Dear Sir/Madam

 

 

Account No: XXXXXXXXXXX

 

 

You have contacted me at the address of a third party regarding the account with the above reference number, which you claim is owed by me.

 

 

I do not acknowledge any such debt being owed.

 

 

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

 

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive and unfair methods.

 

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

 

I ask that no further contact be made concerning the above account, other than a letter confirming that no further attempt will be made to contact me with regard to this matter, unless you can provide evidence as to my liability for the debt in question.

 

 

I await your written confirmation that this matter is now closed.

 

 

I look forward to your reply.

 

 

Yours faithfully

 

 

 

 

NAME

.....................................................................................................

 

*(correct me if I'm wrong - it may be that I was looking at the wrong thing)

 

Of course, as these numpties do not have my real address, I'll not be giving them that - I'll be sending it c/o my parent's address. I think I got my dad to understand tonight that he must not speak to them.

 

Thanks for being here, all of you. I was feeling really rotten when I got this letter and reading this site and your comments have given me the confidence I need to stand up to these neds.

 

Slainte Mhath

[andrew1]

1) I DO NOT ACKNOWLEDGE ANY ALLEGED DEBT TO YOUR COMPANY

 

2) Why put " Without Prejudice" ? - You might be needing this if (doubtful) you ever took legal action.

 

3) A CCA request which costs the princely sum of £1 is a legal application for them to provide you with exactly what you are seeking - Proof of their right to collect a debt. It is set to a defined period in law of 12 working days + 2 for postage, then if they come up with proper paperwork you can challenge it, if they do not, which is most likely, then they will require a court order which would require them supplying the court with the original documentation anyway to collect the debt - so it therefore becomes unenforceable after 14 days. Following a further 1 month without the paperwork arriving they have committed a criminal offence. What more do you need?

 

Do it your way, they say 'bog off and keep annoying you. Do it the CCA way you have the legal process behind you and on your side.

 

These idiots try anything and respect nothing. Try and be nice they will laugh like they have tens of thousands of times before and continue with their harassment. Don't pander to niceness - hit them with what you have on your side, a) the Law b ) the moral high ground.

 

Your letter will get put in the bin by these people and ignored. Use what they refuse to use - THE LAW !

 

Sorry to appear hard, but this is the only way to treat the likes of McKenzie Hall and all these other DCA's.

 

The Cabot Fan Club specialises in showing up DCA's for what they are and cleaning up their Act - take it from one who knows I'm in it!

 

 

Sarah

[ODC]

At the top of all letters always put

 

I DO NOT ACKNOWLEDGE THIS OR ANY OTHER DEBT TO YOU OR ANY COMPANY YOU CLAIM TO REPRESENT.

Of Course you could have your father write to them and say that the person to whom the letters are addrssed to DOES NOT live at this address

[andrew1]

Snap ! ODC Morning !

[ODC]

Morning. Obviously your typing skills are better than mine

[Hippy-chick]

Thanks for that advice andrew and ODC - I'll be taking it.

 

Can you help me with another question? The love letters from MH are being sent to an address in England. However, I live in Scotland. Obviously, the legal situation is different depending which address I use. Up here, this would be statute barred after 5 years - and after that time the debt ceases to exist. Which makes me think it might be to my advantage to use my own address to contact them. But, but, but ...

 

What are your thoughts?

 

(PS: is it wrong that I am, in a sense, starting to enjoy this now?)

[ODC]

Wait to see what response you get from your CCA request. Its highly unlikely these muppets even know what a CCA is let alone be able to find one. Keep your Scottish addres up your sleeve for the meantime.

 

MH specialise in the purchase of debt which no-one else has been able to recover and thats usually because its statute barred or unenforceable. Lets wait and see what response if any you get from them

[Hippy-chick]

I'll keep you posted. Forgot to say - I'm not asking for the CCA. Having listened to all of you and thought about it, I reckon the best thing to do is to go the statute barred way. As, although I do not admit any debt, time is on my side.

 

However, it is late in the night. Yet again I am sleeping on it, so if you think I am wrong please tell me. You folk obviously have loads more experience than I do of dealing with these sweethearts.

 

I just want to get them off my dad's back. He's not coping well with this. I can't get him to write any letters, so I have to do this myself

[ODC]

I see where you are coming from. Just remember whatever route you decide to go that ypu should not sign ANY letters

[andrew1]

I'll keep you posted. Forgot to say - I'm not asking for the CCA. Having listened to all of you and thought about it, I reckon the best thing to do is to go the statute barred way. As, although I do not admit any debt, time is on my side.

 

However, it is late in the night. Yet again I am sleeping on it, so if you think I am wrong please tell me. You folk obviously have loads more experience than I do of dealing with these sweethearts.

 

I just want to get them off my dad's back. He's not coping well with this. I can't get him to write any letters, so I have to do this myself

 

With the Statute Barred situation, you must be 100% sure you have not paid any money, written any letters or made any contact with these people (Original Creditor or otherwise) at all in the last 5/6 years. I set my stall out above with regard to using the law. £1.00 - another for a recorded delivery stamp, is your dads peace of mind worth £2 ? are you doing the lottery this weekend? You can always fall back on the statute barred side, of course, but please send in the CCA request as well and get the law firmly on your side.

 

Do not think you are dealing with professional, reasonable or considerate people - THEY ARE NOT!

 

I rest my case, but whichever way you choose, you make the decisions and we remain behind you whatever happens Okay?

 

 

Oh, and by the way Seahorse and Debt_mountain know about the Scottish legal bits in varying degrees.

[ODC]

With the Statute Barred situation, you must be 100% sure you have not paid any money, written any letters or made any contact with these people

 

Its okay to be in contact in writing so long as you do not make any payments or WRITTEN acknowledgement that any debt exists:)

[richard658]

Hi,

 

I have found this thread very useful but have now received a follow up letter from MH stating that my debt is with SKY TV.

 

I am still am a customer of SKY TV but they have no record of any debt and they have confirmed to me today I owe nothing.

 

I would appreciate advice on my next move.

Kind Regards

[andrew1]

Hi,

 

I have found this thread very useful but have now received a follow up letter from MH stating that my debt is with SKY TV.

 

I am still am a customer of SKY TV but they have no record of any debt and they have confirmed to me today I owe nothing.

 

I would appreciate advice on my next move.

Kind Regards

 

I'd just phone them and tell them what you just wrote. Then tell them to go away and get their facts right before harassing people.

[tiglet]

Sorry, but under no circumstances phone these people - it doesn't matter how polite and honest you are with them, they WILL be abusive and rude and pressurise you to pay.

 

Best thing to do is to put it in writing to them, stating "I do not acknowledge any debt to your company" and ask them to refer back to their clients.

 

Knowing this lot, the account may not even be yours, just someone with a similar name.

[andrew1]

Sorry, but under no circumstances phone these people -

 

If you read my other posts you d know I would not normally advocate telephoning any DCA, just thought it a simpler route on this occasion, but Ill stand by your better judgment and experience if you have spoken before and suffered the consequences.

[ODC]

Definately DO NOT PHONE send them one of Curlybens PROVE IT letters

[Hippy-chick]

With the Statute Barred situation, you must be 100% sure you have not paid any money, written any letters or made any contact with these people (Original Creditor or otherwise) at all in the last 5/6 years. I set my stall out above with regard to using the law. £1.00 - another for a recorded delivery stamp, is your dads peace of mind worth £2 ? are you doing the lottery this weekend? You can always fall back on the statute barred side, of course, but please send in the CCA request as well and get the law firmly on your side.

 

Do not think you are dealing with professional, reasonable or considerate people - THEY ARE NOT!

 

I rest my case, but whichever way you choose, you make the decisions and we remain behind you whatever happens Okay?

 

 

Oh, and by the way Seahorse and Debt_mountain know about the Scottish legal bits in varying degrees.

 

I'm 100% sure

 

And no - I never do the lottery

[tiglet]

I'm 100% sure

 

And no - I never do the lottery

 

tax on the stupid

[mickmackpaddywack]

Hi everyone,

my 1st post here, came across this forum whilst searching the net for any info on Mackenzie hall after recieving my 1st letter from them a couple of weeks ago, it was their usual (so it seems) "we are attempting to contact the above named on a personal matter" bulls**t, after reading a few forums featuring these dirtbags i decided to do 2 things

1 ignore their letter, and not to phone them.

2 get an up to date credit report for myself

 

the credit report shows no defaults or outstanding debts, and everything on there is either "account settled" or payments are up to date.

 

this morning i recieved a 2nd letter from MH, this looked like the kind of letter a pin number comes in i.e. you rip at the 3 perforated sides. this one asks me to call a phone number by **th sept regarding ref number M*******, it also states "this is not a circular or junk mail" (i beg to differ)

 

so that is 2 letters from these cowboys, and i still dont know what it is about. am i correct in my assumption that i should still do nothing? that i should wait to see what arrives from MH next, and DO NOT PHONE them. am i also correct in assuming that i do not send them anything in writing until i recieve their expected "you owe us money" letter

 

Cheers

Mick