Mackenzie Hall searching me

[Lapchien66]

Having checked my credit file, I can see that Mackenzie Hall have made 12 credit searches of me over 18 months - without my permission, of course - how the heck can they do that and can I get them removed?

[citizenB]

I am just giving your thread a little nudge.

 

Mackenzie Hall are already in hot water with the OFT,

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/195459-oft-imposes-requirements-mackenzie.html

 

I guess you could make a complaint to Trading Standards

[NailPost]

You should write to these [EDIT] people and ask them why they are seraching. If they wont answer the question - or more than likely not reply at all - report them to the Info Commissioner and their local Trading Standards. East Ayrshire Council know all about their star employers! Copy the OFT into any complaint about the Kilmarnock Kowboys.

Edited May 15, 2009 by Rooster-UK
Libellous comment removed.

[Nagasis]

I have noticed that Muck hall has searched mine too although I have no dealings with them at all. I have never been contacted by them and they have placed a 'trace' on my report. I have lived at my present address for many years so there is no need for a trace either.

 

I have emailed them and got no response so I emailed once more and again no response.

 

I would like to make a complaint to the OFT and ICO. Anyone know the links I can do this?

[citizenB]

I have noticed that Muck hall has searched mine too although I have no dealings with them at all. I have never been contacted by them and they have placed a 'trace' on my report. I have lived at my present address for many years so there is no need for a trace either.

 

I have emailed them and got no response so I emailed once more and again no response.

 

I would like to make a complaint to the OFT and ICO. Anyone know the links I can do this?

 

 

Just pop Office of Fair Trading or even OFT into a google search then click on complaints.

[Lapchien66]

Anyone know of a piece of legislation, or more generally what the 'rules' are about undertaking a credit search of someone (to use in my formal complaint)?

[david_hornet27]

Hi there,

 

I have also had Mackenzie Hall searching me, with the search reason listed as 'outstanding debt'.

 

How did you get on with your case so far? I could really do with advice on how to deal with them. Is there a template letter I can send to ask why they are searching without my permission, and are they breaking the law by doing this?

 

Hope somebody can help please....

[lancslucy]

I have the charmers at AktivKapital and Capquest searching my files. It's so wrong that this goes on without our consent.

[simonjohn]

Hi there,

 

I have also had Mackenzie Hall searching me, with the search reason listed as 'outstanding debt'.

 

How did you get on with your case so far? I could really do with advice on how to deal with them. Is there a template letter I can send to ask why they are searching without my permission, and are they breaking the law by doing this?

 

Hope somebody can help please....

 

Mac Hall are the bottom feeder's of the debt collection industry, 99% of the time they buy up alleged debts well beyond the statute of limitation time far in excess of the 6 year period hoping to make a fast buck out of people who are unaware of their legal rights.

 

I would suggest that anyone who has a marker of outstanding debt placed on their credit files, to, first take it up with the credit reference agency and dispute the entry, by doing this, it has a twofold effect...

 

1) The entry is marked as in dispute, which means that, if you apply for credit, with an otherwise good credit file, then you shouldn't be turned down instantly. Ie the credit application then has to be viewed manually.

 

2) You have a dispute with Mac Hall, logged with the CRA, ie, they can't deny receiving any dispute with regards to the entry, "which in my experience, if you write to them first they will deny receiving any such letter".

 

As soon as you have logged a dispute with the CRA, write ( via recorded delivery), under S.A.R.N to Mac Hall requesting a copy of the original application including T&Cs where they can report data to the CRAs without your permission.

 

What will happen next:

 

Usually the CRA's will contact Mac hall and ask them to verifiey their data and they will respond " Yes its accurate". This is what they do In 99.9% of cases.

 

 

The next stage:

 

Write to the credit reference agencies that hold this data and serve them with a sec.10 notice requesting that they cease processing data that is unlawfull under the data protection act.

 

Then serve a sec.10 notice on Mac Hall, stating, that unless they cease processing data,on you to the CRA's then you will take further action through the courts if nesscesary.

[lancslucy]

Useful info, simonjohn, and I for one will consider this process - I hope others do too.

 

Could anyone point me in the direction of discovering the process of a CRA file being searched? I mean, do the CRAs allow searches from any company claiming the right to do so? Is there no requirement for the subject of the data to give their consent? Who's responsibility is it for the accuracy of the information held - the CRA or the searching/reporting company?

I understand that whenever I've applied for credit there's always been a section that I have to give my consent to mentioning consult the files of a CRA, ongoing searches, report conduct of account etc. etc. That's fine, I guess, while my account's still live, but these leeches are searching for an account that is no longer enforceable, and that is something I have never agreed to.

[simonjohn]

Useful info, simonjohn, and I for one will consider this process - I hope others do too.

 

Could anyone point me in the direction of discovering the process of a CRA file being searched? I mean, do the CRAs allow searches from any company claiming the right to do so? Is there no requirement for the subject of the data to give their consent? Who's responsibility is it for the accuracy of the information held - the CRA or the searching/reporting company?

I understand that whenever I've applied for credit there's always been a section that I have to give my consent to mentioning consult the files of a CRA, ongoing searches, report conduct of account etc. etc. That's fine, I guess, while my account's still live, but these leeches are searching for an account that is no longer enforceable, and that is something I have never agreed to.

 

As Mac Hall hold a consumer credit licsense and have a block agreement with the major credit ref agencies then, "If they pay then they get", unfortunate I know, but I "And must make this distinction" I" and not the viewpoint of the owners of this site, feel that this is where there is a two tiered exception with the CRA's ie, the consumer pays for a service and get's little for it... Then the Creditors pay for a service and get's exactly that

Edited June 22, 2009 by simonjohn

[Lapchien66]

Update:

 

Well, I heard back from Equifax today. After complaining to them, they have come back and said that they first marked these searches as in dispute, and wrote to Muck Hall for details.

 

Equifax have told me that they have had no response from them, and have accordingly removed these searches from my file. Result!

 

Good information here for anyone else who has these pesky so and so's searching their files and leaving their dirty great footprints everywhere...

[lancslucy]

Result Lapchien66! I will use you as inspiration and make a similar complaint! Hopefully i, too, will be reporting back with good news....

[philballard30]

Checked my report and there are 5 entries from Mackenzie Hall, and they have never contacted me, looks bad, going to try and get somewhere with Equifax, and get these taken off!!

[Lapchien66]

Is it just me or does everyone else think that these MuckHall people are utter shi*es, the lowest of the low?

[NailPost]

Now use the CRA letter to report MHall to the OFT. They have already been the subject of one investigation and received a hefty slap although to read the MHall statement on this you'd think it was MH who did OFT a favour.

[allswell]

I had 12 searches in 6 months by MUCKHALL, took 2 letters to Equifax before they removed all entries, but a result is a result:lol::lol:

[philballard30]

just had a look at my recent credit report and all the muck hall searches have been removed, i can only assume they're all a year old and have been removed !! woohoo

[allswell]

Not sure, but think Debt Collection searches stay for 6 years but did hear or read somewhere that it was being reduced to 2. sure someone will confirm or correct me:)