Jump to content


roflhoff

Mackenzie Hall

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3619 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all,

 

Just signed up to this forum as there seems to be a lot of information on here, and I could do with some advice on a problem with the above.

 

I had a letter arrive last year from a different collection agency regarding an alleged debt. I spoke to them on the phone (rightly or wrongly!) and it was in relation to an ex girlfriends address. The ex in question screwed me for quite a few quid when we split up and like a fool I paid the debts off as they were in my name.

 

However this is a debt from a catalogue company and I had no knowledge of it. The previous collection agency received a subject access request letter from me and sent me back my pound along with a letter saying they were no longer dealing with the debt.

 

I had a letter come through from Mackenzie Hall the other day in reference to an alleged debt that is in my name. After speaking to them they have asked that I send them a subject access letter as they have the original credit agreement. I am now in the process of sending the letter to them and seeing what they come back with.

 

Im getting tired of dealing with this problem as it has been dragging on forever, and I want to get shot of this debt once and for all. I've tried looking about on the internet for information regarding situations like this, but havent found a situation too similar to mine!

 

Is there any way I can conclusively prove that this debt was taken out in my name, against my knowledge? Can I go down the road of reporting my ex to the police for fraud?

 

I now have access to my credit file and have found that I am only matched to the address where this debt was taken out by postal address... does this count for anything?

 

Sorry for all the questions! Thanks in advance for any help :)

Share this post


Link to post
Share on other sites

SAR will help nowt.

you mean CCA!

now how old is this debt [last in/out?}

 

bit of advise.

NEVER talk to these leechers on the phone.

deal ONLY in writing.

 

plus dont forget they are DCA's

they have NO LEGAL POWERS.

 

there is nothing they can do to you bar send threat-o-grams.

 

dx

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thanks for the quick reply dx!

 

I've basically sent the same letter that I sent to the previous DCA asking for a copy of the CCA, however the bod on the phone told me to put the title subject access request and to enclose £1. Im not too hot on the whats what in terms of CCA's subject access etc.

 

They did tell me on the phone that the account was opened in June 05 and defaulted a year after that in June 06. I've read on the internet that it may be unenforcable due to the account being opened before 2006.

Share this post


Link to post
Share on other sites

which if you did title sar, then it will be ignored.

 

you need to send a CCA request, inc £1 they then have 12+2 days to comply, if not, no dice gameover b*gger off.

 

seems like you are on a phishing list, and not suprisingly like a muppet you phoned them, now they have you running.

lesson learned. NEVER talk on the phone to a dca!!

they will tell you whatever you want to hear to get money out of you.

 

if and a big IF your do get a CCA in 12+2 working days back from them, i bet your name nor sig is on it...tell them to b*gger off, nothing to do with you.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Let me see.

 

MH and catalogue - chances of an agreement......pretty much zero.

 

cca them wait 14 days then tell then to 'do one'

Share this post


Link to post
Share on other sites

Im pretty certain they won't be able to provide me with a copy of the CCA. The previous lot just sent me a letter back along with the payment telling me they were no longer dealing with the account.

 

What is the next step once they tell me they can't provide a copy of the CCA? From what I can see now this debt is being sold from one bunch of low lives to the next, and I would like it wiped off my credit file!!

 

Cheers!

Share this post


Link to post
Share on other sites
Im pretty certain they won't be able to provide me with a copy of the CCA. The previous lot just sent me a letter back along with the payment telling me they were no longer dealing with the account.

 

What is the next step once they tell me they can't provide a copy of the CCA? From what I can see now this debt is being sold from one bunch of low lives to the next, and I would like it wiped off my credit file!!

 

Cheers!

 

Is it on your credit file? with who? how long has it been on there? More than on rat reported to cra's?

Share this post


Link to post
Share on other sites

Yeah its on my credit file. I paid to have a look at it online after the first letter came through. The account defaulted in June 06. I believe the debt was taken out in my name by my ex. I have a sneaking suspicion that she may have passed my details on to the DCA once the letters started coming through her door.It's showing on both Equifax and Callcredit reports.

Share this post


Link to post
Share on other sites

CCA request, but do not sign the letter you send. Some companies have been 'alleged' to use these signatures to draw agreements out of thin air.

 

And MH is as Mickey Mouse as it's possible to get. But, I am 100% sure they won't be able to obtain any agreement that may/may not exist. I've NEVER known MH to ever fulfil such a request.

Share this post


Link to post
Share on other sites

I made the mistake of calling them, but I haven't signed the letter!!

 

It was interesting that the guy on the phone said that a CCA request would mean they could send me a copy of the CCA and all the other paperwork they had.... Guess they have nothing better to do than to waste my time and their own eh??

Share this post


Link to post
Share on other sites
I made the mistake of calling them always good for a laugh (hello rob and brian:D), but I haven't signed the letter!!

 

It was interesting that the guy on the phone said that a CCA request would mean they could send me a copy of the CCA and all the other paperwork they had.... Guess they have nothing better to do than to waste my time and their own eh??No

 

 

Once they confirm there is no paperwork - which is usually why an alleged debt ends up with this lot, then you can address the fact that there was/is nothing to default on

Share this post


Link to post
Share on other sites

Hi all,

 

Quick update on this. As expected I received a letter this morning from Mackenzie Hall telling me they are no longer dealing with the account and have passed it back to their clients.

 

Whats the next best step from this point. I've sent a similar letter to the last DCA that contacted me regarding this and had the same response. The debt has obviously been sold/passed on to Mackenzie Hall since this.

 

Ideally I want the debt wiping from my credit report and for these DCA's to stop hassling me every few months!!

 

Cheers!

Share this post


Link to post
Share on other sites

so 'what' is on your credit file.

no markers etc i assume just an address association?

 

if so, there is a faq on the experian site that will take you through the steps to get that assoc removed hopefully.

 

there is another way to look at this....

 

it won't really matter sadly, you are on a phishing list the gets past around, the best course of action is to ignore the letter, there is basically nothing they can do to you. as pointed to before, they are only a dca they have NO LEGAL POWERS.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

My credit file shows a £99 pound debt with Phoenix Shop Direct, logged at my ex girlfriends address. I am showing as being associated to that address by postal match only.

 

I will check out the faq on the experian site and see what they suggest. Thanks for the info :)

 

From everything I can see the debt is in my name, and i've been linked to that address, so surely as far as the DCA's are concerned its being passed around legitimately. However, as mentioned before as I knew NOTHING about this debt until the DCA's came knocking, I despair at the thought of being able to do nothing except wait for it to drop off my credit file :(

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...