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Mackenzie Hall. Do any of you know of them?


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Aaah, and there was me thinking they'd been hand-picked due to their natural charm ... :p

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I got another spam letter last night, i think i may start a collection all for TS! (this one was a variation on their "home collector in 7 days letter.. we wont send ANOTHER warning")

 

Until next week .....:p

 

Like the "one off" offers of redunced payment, that i recieved weekly. lol.

 

Muppets...!!!!!:D

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MH did a full credit check on me! They had no right - it isn't as if they were trying to find me - they already had my address and telephone number. I have asked three times for it to be removed now. The search was at equifax and I'd suggest that anyone who has had any contact from these people checks their own Equifax file.

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Mackenzie Hall first contacted me in November last year, by leaving a digital phone message that I must call them back "immediately". The informed me that I had an outstanding Selfridges store card debt outstanding from 1998/9 of £175. I have no recollection of such a debt, but they insisted.

 

Following a first letter from them, I called them again (in response to their "urgent" message) and the MH rep agreed to provide me with the evidence of this debt, which he had.

 

Radio silence for six weeks and then a "Final Notice" today (with no evidence) stating that they would take further action if I didn't make the payment by 25th March. I called them and explained to the girl I spoke to that I was waiting for some evidence from them. She told me that the note of my previous conversation made no reference to evidence and that she could not be held personally responsible for what one of her colleagues might have told me! I persisted and the girl rather charmingly told me that my "attitude stinks" and hung up.

 

I've now written to them along the lines suggested in this forum. I guess it's clear that they're just trying to use strong-handed methods to collect on either real or imagined debts which I guess they must have bought from the credit card company. My soliciotr explained to me that, in the absence of any evidence of the debt, the Stature of Limitations would apply and that if MH persisted, it would effectively be trying to obtain money on their part under false pretences.

 

I've written to explain this to them and maybe they'll keep going, but I won't waste more time replying. Rather unpleasant people in a murky business.

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Mackenzie Hall first contacted me in November last year, by leaving a digital phone message that I must call them back "immediately". The informed me that I had an outstanding Selfridges store card debt outstanding from 1998/9 of £175. I have no recollection of such a debt, but they insisted.

 

Following a first letter from them, I called them again (in response to their "urgent" message) and the MH rep agreed to provide me with the evidence of this debt, which he had.

 

Radio silence for six weeks and then a "Final Notice" today (with no evidence) stating that they would take further action if I didn't make the payment by 25th March. I called them and explained to the girl I spoke to that I was waiting for some evidence from them. She told me that the note of my previous conversation made no reference to evidence and that she could not be held personally responsible for what one of her colleagues might have told me! I persisted and the girl rather charmingly told me that my "attitude stinks" and hung up.

 

I've now written to them along the lines suggested in this forum. I guess it's clear that they're just trying to use strong-handed methods to collect on either real or imagined debts which I guess they must have bought from the credit card company. My soliciotr explained to me that, in the absence of any evidence of the debt, the Stature of Limitations would apply and that if MH persisted, it would effectively be trying to obtain money on their part under false pretences.

 

I've written to explain this to them and maybe they'll keep going, but I won't waste more time replying. Rather unpleasant people in a murky business.

Unpleasnt and Murky are gross understatments. If it was 1999 and you have not agreed or acknowledged it its Statute Barred. END OF

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The charge would be attempting to obtain property by deception and Mackenzie Hall (and others) are sailing particularly close to the wind on this.

 

Claiming you owe money when you know full well you have nothing to back up the claim is tantamount to fraud and if MHall continue to harrass you without providing evidence they should be reported to the relevant authorites.

 

You need a paper trail to back up your claims so in future ignore their calls and never speak to them on the phone again.

 

A CCA will not reveal anything because they clearly have nothing to send out. But go through the process anyway. Serve them with a SARN because the girl you spoke to last refers to notes. These must be either on a computer screen or on paper so you should ask for all details held about you on all systems. They have 40 days to comply with this request.

 

When they fail to comply report them to OFT - who will do nothing but report them anyway, Trading Standards at East Ayrshire Council - they will try and pass you onto OFT but do it anyway and the FOS who takes over in less than three weeks. No one knows yet if this body will be a lion or a lamb. Finally you have the option of making a complaint to the police who are duty bound to investigate.

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I am looking for a bit of advice. I have been paying Mackenkie Hall for about 10 months for a Barclay Card debt froom a number of years ago. They contacted me recently to tell me that I had missed payments and that the agreement was broken (they are collected on behalf of The Lowell Group) - not sure who they are either.

 

I contacted them and informed them that I had not missed any payments and I had the bank statements to prove it. This was sorted out and they said they would update their records. I received a phone call at work from the Account Manager of MH telling me that they want me to pay more back a month (I told him where to go and hung up).

 

Today I received a letter which says:

 

'Your account has now been passed to MH's payment plan dept as our client has asked for a full review of your current arrangement.

 

Our client informed us that they are not aware of any legitimate reason for non-payment of their account and although they would prefer an amicable settlement, theywill not hesitate to commence formal proceding if required.

 

Payment in full must now be received in our office within 7days or further action may commence.'

 

Can they do this if i have been paying??

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Lovely old Maxkenzie Hall. Have you slapped a CCA and SAR on them as yet? How old was the debt?

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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A CCA is short for Consumer Credit Act 1974. You serve them with a CCA request - it costs a quid and you must send it recorded delivery, you'll find a template in the stickys - and they have 12 working days to provide a signed true copy of the credit agreement they allege you have broken. They are also required to provide a signed true copy of the deed of assibnment which is their right to collect and a statement of account.

 

If they don't produce these documents within the specifed period which is set out in law they are in default and cannot enforce it without a court order. If the default continues for more than a calendar month beyond that they have committed a criminal offence and face a fine of up to £2,500. No debt collector we know of has ever been brought before a court for this but you would certainly bring it up if they took court action against you! It is highly unlikely MHall have any documents at all.

 

A SARN is short for Subject Access Request Notice under the Data Protection act -it costs £10 and you must send it recorded delivery, you'll find a template in the stickys - and they have 40 working days to provide copies of everything they hold on you - notes of phone conversations, letters written and received, statements everything.

 

The jist of this is that without proof there is no debt. If MHall or Lowell or whoever cannot prove they own the debt and can account for the sum charged you are on firm ground to demand they repay you the money you have paid! If they refuse sue them - its not difficult - and remember to claim interest and costs.

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Hi, if MH are only acting on behalf of their "client" and I asked them for a copy of the CCA etc and they can't produce it (which they haven't and it was requested on 31st Jan) are they likely to just hand the alleged debt back to the original lender? MH advised me they were asking their "client" for the info, but either way it never arrived. :)

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Because of the excellent advice in this forum I wrote a firm letter to Mackenzie Hall pointing out the Statue of Limitations and, in the absence of documentary proof, the fact that MH would be trying to obtain money under false pretences. I had a letter from them by return untertaking that they would not write to me again.

 

From their approach, it's hard to believe that this is not just a firm of sharks, using threatening tactics to obtain extinct existent or non-existent debts. It's a shame that they cannot be put out of business or be encouraged to go into a cleaner business.

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  • 4 weeks later...

Im just checking if any one knows how long it takes these muppets to give up writing letters.

 

I have been ignoring them now for months, and im still getting 2 or 3 a week.

The same ones all the time, reduced payment........court action.......reduced payment....

I wish they would make up their mind..! :p

But i am getting sick of all the letters now.

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Received a postcard, followed by a letter, then another letter offering reduced payment etc, sent back to them in their own prepaid envelope, saying not at this address, another letter offering reduced payment, sent back to them, again, the last one was about 4 weeks ago now and nothing further received, every time they send one, I'll send it back to them, the debt is an old old debt from my other half's previous marriage and is statute barred, and they know it, never received DOA or copy of CCA requested in January, they really are muppets of the highest order :)

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Update to my previous threads concerning Mackenzie Hall

 

Mackenzie Hall began to contact me around August of last year with their threats and nonsense on a dept that is nothing to do with me and would also appear to be statute barred as it is well over 6 years old (check criteria and research in previous threads here )

 

DO NOT ANSWER THEIR LETTERS , DO NOT PHONE THEM , DO SPEAK TO SPEAK TO THEM,

 

Chances are that if MH are contacting you, that any dept is statute barred and uncollectable unless YOU agree to pay, as MH appear to specialise in this type of 'business'

 

Here is my update

 

I HAVE SO FAR IGNORED ALL CORRESPONDENCE FROM MH FOR THE BEST PART OF A YEAR AND NOTHING HAS HAPPENED ,

 

I received the red card and a few other letters spread out throughout this time. Then recently I received a letter from a 'Dept collection agency' Meritforce

A quick Internet search reveiled that they were bought by MH some time ago.

It spoke of an AUTHORISED COLLECTOR VISIT with the usual threats etc , no one at all came calling and the 'deadline' has come and gone

Then another MH letter arrived with the same old nonsense and threats

and informing me that there is still time etc etc ...

 

There is a set letter here if things get to be too much, but I think I'm going to leave it for now, If anyone calls at my house, I will tell them to get off my land and call out the police if necessary, I have read that if they do have your phone number they can call, my advice is never give personal information to anyone over the phone NOT EVEN YOUR NAME, whenever I get so called service calls I always give no information whatsoever and put the phone down ...Good Luck!!! Sleep with the Angels , and be sure to post all of your info for others to see ....:)

 

If you are a recent victim of MH reading this and suffering that same initial shock that we did pls do take a deep breath, relax and smile....:)

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Yes I have one of their RED cards which i have ignored but I think it breaks CCA rules because it contains their name on the other side of it so anyone can see its from a DCA. I have decided th obliterate my personal info on it and pop it in the post back to them,

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Update to my previous threads concerning Mackenzie Hall

 

Mackenzie Hall began to contact me around August of last year with their threats and nonsense on a dept that is nothing to do with me and would also appear to be statute barred as it is well over 6 years old (check criteria and research in previous threads here )

 

DO NOT ANSWER THEIR LETTERS , DO NOT PHONE THEM , DO SPEAK TO SPEAK TO THEM,

 

Chances are that if MH are contacting you, that any dept is statute barred and uncollectable unless YOU agree to pay, as MH appear to specialise in this type of 'business'

 

Here is my update

 

I HAVE SO FAR IGNORED ALL CORRESPONDENCE FROM MH FOR THE BEST PART OF A YEAR AND NOTHING HAS HAPPENED ,

 

I received the red card and a few other letters spread out throughout this time. Then recently I received a letter from a 'Dept collection agency' Meritforce

A quick Internet search reveiled that they were bought by MH some time ago.

It spoke of an AUTHORISED COLLECTOR VISIT with the usual threats etc , no one at all came calling and the 'deadline' has come and gone

Then another MH letter arrived with the same old nonsense and threats

and informing me that there is still time etc etc ...

 

There is a set letter here if things get to be too much, but I think I'm going to leave it for now, If anyone calls at my house, I will tell them to get off my land and call out the police if necessary, I have read that if they do have your phone number they can call, my advice is never give personal information to anyone over the phone NOT EVEN YOUR NAME, whenever I get so called service calls I always give no information whatsoever and put the phone down ...Good Luck!!! Sleep with the Angels , and be sure to post all of your info for others to see ....:)

 

If you are a recent victim of MH reading this and suffering that same initial shock that we did pls do take a deep breath, relax and smile....:)

 

Would appreciate it if you could you direct me to where you found on the internet that Meritforce were bought out by Mackenzie Hall. I have looked but no joy in finding that information.

 

This information would maybe help support my claim against MH's CCA non compliance in Court, and hopefully demonstrate the underhand tricks that these DCA's play.

 

Mackenzie Hall went very quiet on me when I sent them a CCA, I heard no more from MH but started to hear from Meritforce instead.

 

Thanks

 

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Could someone please help my wife.She is partially sighted and as been for a number of years and she as a full time carer.Recently she received a letter from Mckenzie Hall regarding a debt that was owed 11yrs ago and it was at the old address where we used to live.My wife and i have never heard of the company that she is supposed to owe this debt too.I have tried contacting Mckenzie regarding this matter but getting nowhere they just ignore our phone calls and emails.Now they have sent another letter threatening legal action unless we pay i am at my wits end with it and my wife is quite poorly please help me if you can

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Could someone please help my wife.She is partially sighted and as been for a number of years and she as a full time carer.Recently she received a letter from Mckenzie Hall regarding a debt that was owed 11yrs ago and it was at the old address where we used to live.My wife and i have never heard of the company that she is supposed to owe this debt too.I have tried contacting Mckenzie regarding this matter but getting nowhere they just ignore our phone calls and emails.Now they have sent another letter threatening legal action unless we pay i am at my wits end with it and my wife is quite poorly please help me if you can

If your wife has not ackowleged the debt or made any payments for six years from the date of the last payment then the debt is STATUTE BARRED they can do nothing legally abouit it. Tell them so and tell them to go away. Complain about them

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:lol:HI EVERYONE! i FOUND THIS SITE BECAUSE I HAD BEEN GETTING LETTERS FROM M H FOR OVER 3 YEARS NOW! THEY LOST ME FOR 2 YEARS BECAUSE I WAS LIVING IN SPAIN, BUT AS SOON AS I BOUGHT A HOUSE BACK IN BLIGHTY, THE LETTERS STARTED ARRIVING AGAIN! I JUST FILED THEM UNDER CS TO START WITH,( CHICKEN S**T), THEN STARTED TO SEND THEM UN OPENED, BACK TO THEM WITH ADDRESSEE UNKNOWN WRITTEN ON THEIR ENVELOPES( THEY HAD SPELLED MY NAME WRONG, SO IT COULD BE ANYONE!)

 

 

AS PREVIOUSLY SAID IN OTHER LETTERS ON THIS SITE, THEY TRY THE SHOCK AND SCARE TACTICS, AND FOR SOME THIS WORKS, BUT I KNOW I DONT OWE THESE PEOPLE ANY MONEY( THEY STATE THAT THEIR CLIENT WAS THE LLOYDS BANK, AND IVE NEVER HAD AN ACCOUNT WITH THEM) AND IT DATES BACK TO 2002 AND ITS ONLY IN THE LAST 6 MONTHS THAT THE INTENSITY OF THE AMOUNT OF LETTERS THEY SEND HAS INCREASED, PROBABLY BECAUSE OF THE 6 YEAR RULE, SO I WILL KEEP ON SENDING THEIR LETTERS BACK TO THEM UNOPENED AND NOT ACKNOWLEDGED.

 

ITS THEIR POSTAGE COSTS NOT MINE, SO NOT MY PROBLEM!

 

I SUGGEST THAT ANYONE RECEIVING THESE LETTERS SHOULD DEFINATELY NOT PHONE THEM, FOR REASONS GIVEN IN OTHER ANSWERS IN THE FORUM, AND IF YOU KNOW FOR SURE THAT YOU DO NOT OWE THEM MONEY OR THAT IT IS AN OLD DEBT, THEN DONT LET THEIR THREATS OF REPOSSESSION, BALIFFS ETC ETC SCARE YOU! ITS ALL HOT AIR BECAUSE THEY KNOW THEY ARE ILLEGAL AND THESE SCARE TACTICS PROBABLY WORK ON A PERCENTAGE OF PEOPLE THAT PANIC AT THESE THREATS! CHILL OUT AND DONT WORRY, THE LAW IS ON YOUR SIDE.

REGARDS

LAURIE

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My partener received same letter in feb this year, she tried to phone but no joy, sent a letter requesting more info, but still nothing apart from repeat demands, Thanks to finding this web site, it put her mind to rest. We have complained to the local trading standards office who have said they will investigate and she is contemplating reporting m.h. to the police.

Why has this company been allowed to get away with such underhand tactics ( which break so many laws) for so long?, (having read most of the posts).

I found this site by accident after doing a search on mackenzie hall..

How do old people / pensioners go on?, when they can be fooled into parting with cash by such an unscrupulous company.

Thanks again for all the reassuring info. Rolodog

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  • 3 weeks later...

I recently received a letter from Mackenzie Hall stating that I owed £800 and if I payed the debt off by the end of May I only had to pay £500! I rang the number on the letter and asked what the debt related to. Apparently it was a debt which was 12 years old and not even mine:o . They suggested to me that I could report it to the police as credit fraud and then they could write it off!! Unbelievable eh? Of course I have not taken thier advise and instead I've written them a very colourful letter which I intend to post tommorow. Have a look at the following helpsite Debt Factsheets - Liability for Debts and the Limitation Act

I will let you know the outcome from these horrible bullies :-|

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  • 2 weeks later...

I've just received one of their famous text messages too, so I've fired the following back at them;

 

WITHOUT PREJUDICE

 

 

If you wish to contact me, do so by letter & not by enigmatic text message asking me to dial a premium number.

 

Besides, it makes it easier to pass on to the Financial Ombudsman along with the letters from Lowell Financial & Red Debt Recovery Services which the FO already has. It Must be a bit expensive since the new legislation came in on 6th April 2007 (£400 a time after the first two

freebies).

 

All my telephone calls are recorded so do feel free to threaten me, further evidence will be gratefully received!

 

----------------------------------------------------------------

 

It will be interesting how they reply:)

 

 

BTW if anyone wants their contact details, they are as follows;

 

[email protected]

 

[email protected]

 

Tel: 01563 554540

 

Fax: 0845 2801776

 

2nd Floor

30 The Foregate

Kilmarnock

Ayrshire

KA1 1LU

 

also;

 

5 St Marnock Street

Kilmarnock

Ayrshire

KA1 1OZ

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