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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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Mackenzie Hall


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Hi have only just signed up today and it seems I am having the same problem as a lot of you.

My husband has today recieved a letter from MH stating that if the person named above is at this address to phone them and they will give us the detailed information relating to the letter.

As far as we are aware we only have one debt and we are making payements towards that.

Could someone please tell me what I should do, Should I ring them?

Thanks for your help

Louise :???:

 

Don't phone Mackenzie Hall. Don't contact them. Oh and whatever you do don't phone them. Mack Hall excels in bully boy (and girl) tactics and their story is well documented in this forum. Leave well alone. This forum should give you all the help you need - it certainly helped us. Be empowered by other people's experiences and have faith.

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Hi I need bit advice , I have been paying these guys off , and when I checked my equifax file , it shows as defaulted , I want to write to them (I owe I think £100) pay them off and get them to show as settled or get them to remove from my file .

How do I word the letter.

Hope someone knows

Thanks

Thank goodness I found this site!

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Hi Northernguy. I presume you're paying Mackenzie Hall? Who ever you're paying I'd stop right now and ask for a statement of account. I'd also ask for full details of the account. Don't pay any more. I would also be inclined to ask for a settlement figure on the account. We paid Mackenzie Hall cash into their bank account and they showed us as defaulted and have never acknowledged payments. You obviously want to settle your debt but beware - you'll get ripped off by these guys.

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  • 2 weeks later...

Hi, I've just joined this site this morning.

 

I have been reading all the replies regarding MH, I received a letter yesterday generally saying what everyone else's say.

 

I'm a bit worried - do I phone them or just bin it :confused:

 

I do have debt but I have been paying a debt agency for a few years and besides that debt I have no other debt and all my creditors are happy with my payments.

 

I'm a little bit curious about this and tempted to phone them but by all the other replies on this site it's probably best to to contact them.

 

Can someone please advise me on what to do.

 

Thanxs

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The very last thing you should do is phone them. It is completely pointless.

 

Just file the letter.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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My friend was staying with me a few months ago and when he left i started getting letters from him from capquest and then they stopped for a couple of weeks ..now this morning i got a letter for him from mackenzie hall ..I am going to return it in the morning will i just write not known at this address or have noticed an email address on this thread for goneaway or something ...any advice would be grateful..Not wanting them coming to my door i would be mad as never ever had debt myself and not having them coming to me :mad:

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First of all the chances of them coming to your door are almost nil. Just write not known at this address on the letters and put them in a post box. It's up to them to sort it out not you.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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hi im a new member got a letter from M HALL THIS MORNING for a 10 year old barclay card debt.Like an idiot didnt do any research the letter didnt give any info only saying i owed £2767.63 so i phoned them and argued with them got a bit heated and i said i will give them a pound a week. they said they would put a charge on my house if i dont pay.Have dropped myself in it.Ive had no letters about this debt for at least 8 years before today any help cheers.

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First of all start your own thread on this vinster it's only fair to the original poster of this thread and that way you'll get more help. Secondly NEVER phone DCA's. As you have now found out it is completely pointless and anyway verbal agreements can later be ignored.

 

It does sound very much like your debt is statute barred in which case the debt can not be legally enforced and you don't need to pay anything towards it.

 

Have a read of this link to help you around the site http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 3 weeks later...

Hi,

 

I got one of their letters today and googled them, ended up here.

 

Never had a bad debt and never heard of the company they are colelcting on behalf of.

 

I tried calling before reading the threads but they must have gone home for the night. I dont think replying by post will help, wont it only make them more determined knowing that the recipient has responded?

 

They sent a business reply envelope, so maybe send them a brick back by return post?

 

Any thoughts?

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Hi,

 

I got one of their letters today and googled them, ended up here.

 

Never had a bad debt and never heard of the company they are colelcting on behalf of.

 

I tried calling before reading the threads but they must have gone home for the night. I dont think replying by post will help, wont it only make them more determined knowing that the recipient has responded?

 

They sent a business reply envelope, so maybe send them a brick back by return post?

 

Any thoughts?

 

Hi Soofsayer

 

Welcome to CAG:)

 

Please look at the previous posts on this thread by Rory32 - just file it - they are obviously just fishing!

 

Regards

 

Bo

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Thought you might like an extract of an email I have just received

lol

 

From: Paul Mackenzie ([email protected])

You may not know this sender. Mark as safe | Mark as unsafe

Sent:

31 August 2007 08:07:38

To:

*****@*****.**.**

get a life arse

----- Original Message -----

From: Janice King

To: paul Mackenzie

Sent: Friday, August 31, 2007 9:06 AM

Subject: Fw:

----- Original Message -----

From: *** *******

To: [email protected]

Sent: Thursday, August 30, 2007 9:17 PM

Janice,

 

I have received an item of post from your company.

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Last time I checked their website wasn't even up and running!

 

I would send the e-mail to the east Ayrshire Trading Standards, (the officer dealing with this company is Alan Stewart) and ask him for his advice in how best to deal with Mr PM.

 

I would also send the e-mail to some of the financial journalists who specialise in nailing these barstewards to the floor. PM's time on one of those investigative type programmes is well overdue.

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  • 5 months later...

These people telephoned my son on Friday, they were threatening and abusive to him so he asked me to continue the conversation, thinking that they would be more civil speaking to an older person. Anyway, a 'Mr White' began hurling abusive comments to me about my son and then started being verbally abusive to me.

 

This Mr. White told me they were registered agency, so I asked him for their Credit Licence Number, he refused to give it to me. I then asked him for a Deed of Assignment, he said they had no legal obligation to supply one, I then asked for a statement to show how they arrived at the sum they are demanding, he refused to supply one. He said he was starting legal action against my son immediately. I told him we had moved house and asked him to take my new address, he refused. So any papers they serve will be deliberately delivered to the wrong address.

 

So, I've reported them to the Financial Ombudsman, the Information Commissioner for offences under the Data Protection Act and to Kilmarnock Trading Standards. I have learnt today that Mackenzie Hall are under investigation already by the Office of Fair Trading, (for Unfair Business Practices I think), So if you have any complaints about this company, the address to send them to is:

 

Office of Fair Trading

Regulatory Section

Fleetbank House

2/6 Salisbury square

London

EC4Y 8JX

Alternatively you can contact them by e-mail at [email protected].

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  • 2 months later...
  • 1 month later...

Hi everyone Im new on here, today I've received a letter (at my new address) from Mackenzie Hall...I have 3 debts 2 dating back to 2001 and 1 from 2002...I have never been intouch with debt collectors as Ive always been too scared does this mean that my debts are in the 6yr rule?...Also Ive moved house and recently got married and now have a new surname so can these people still chase me as my debts are in my old surname?!

 

PLEASE PLEASE HELP!:confused:

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