Jump to content
  • Tweets

  • Posts

    • Mr Lee helped to grow his father's small trading business into a global industrial powerhouse. View the full article
    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 3711 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

I have today received two letters from Mackenzie Hall asking me to ring urgently on a personal matter. Do I just ignore them? Debts seem to be like buses, nothing for ages and then loads at once!

Link to post
Share on other sites

Get in contact with Alan Stewart at East Ayrshire Trading Standards, he can get Mackenzie Hall stopped from sending these chasing letters. They need to supply PROPER details rather than their "ring if you, ring if not you" junk mails.

 

As you have received two letters in a short space of time there is even more cause to contact Mr Stewart asap.

Link to post
Share on other sites
I have today received two letters from Mackenzie Hall asking me to ring urgently on a personal matter. Do I just ignore them? Debts seem to be like buses, nothing for ages and then loads at once!

 

If you have ever disputed these debts, you should also bring to the Trading Standards. Debt companies are not allowed to simply pass on debts, that have been disputed.

 

They will write for a few months and make loads of phone calls. In a few letters time, they will threaten to send doorstep collector to your door.

 

You could either ingore or send them a letter saying that you don't know anything about these debts.

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, 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/we 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. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or 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/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

Print your signature, don't sign.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Check your Equifax credit report a large number of searches by MH have been

placed on Table 1 of credit reports and listed as outstanding debt when they should be Table 2 searches ie for addresses and identification.see my thread

Mackenzie Hall & Lowell vexatious searches I have just had alarge compensation cheque from them.:D

Link to post
Share on other sites

A few weeks ago I received this email from Mackenzie Hall :

 

From: auto@mackenziehall.co.uk

Subject: Private & Confidential

To:

Date: Tuesday, 29 June, 2010, 20:09

 

 

Private & Confidential - For Attention of ..........................

 

We have been supplied this e-mail address to contact ............

 

If you are this person, please respond via telephone to 0 8 4 4 4 1 1 5 6 4 5 quoting reference number M............. whereupon further detailed information can be provided. If you require Mackenzie Hall to call you back please text 'MACHALL' and your M reference number to 87202 e.g. MACHALL M80085, for a call back within 45 minutes. If you are not this person please respond via telephone to 0 8 4 4 4 1 1 5 6 4 5.

 

We look forward to hearing from you as soon as possible.

 

Yours Sincerely,

 

 

 

My response was :

 

Could you please tell me who you are. I am not in the habit of calling 0844 telephone numbers as they are so expensive. I have never had any dealings with your company, so think you may have the wrong person.

 

 

 

To which I received :

 

 

 

download?mid=1%5f533%5fAOyxktkAAYS5TD732gDaCFWcVj0&pid=2.2&fid=Sent&inline=1

 

 

 

 

 

 

Good afternoon.

 

We are in receipt of your recent email. Before we can disclose any information regarding the account we would need you to confirm some security questions.

 

Could you please confirm the following details;

 

Your full name, your full address including your postcode and your Date of Birth.

Kind Regards,

 

 

To which I replied :

 

I don't mean to be rude, but you cannot possibly expect anybody to divulge personal information such as you are asking for.

 

I will assume that you are one of them rogue companies that want to commit identity fraud. I will be doing some research on you and reporting you to the relevant authorities.

 

 

 

I am still waiting for a response to my last email. :p

 

 

 

 

 

Mackenzie Hall Ltd

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

Link to post
Share on other sites

Hello Guests, like to comment?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

I suggest that you send that email to the OFT. This is a multiple breach of the OFT's guidelines !!!! Also be aware that McKenzie Hall try to chase debts that are staute barred. - OFT imposes requirements on Mackenzie Hall to improve handling of disputed debts - The Office of Fair Trading

 

i. failing to investigate and/or provide details as appropriate, when a debt is

queried or disputed, possibly resulting in debtors being wrongly pursued

j. requiring an individual to supply information to prove they are not the

debtor in question, for example, driving licences, passports, full name,

date of birth, signatures

c. those contacting debtors not making clear who they are, who

they work for, what their role is, what the purpose of the

contact is

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Link to post
Share on other sites

Just checked my credit report. No search by Mackenzie Hall showing. Equally no outstanding debts showing whatsoever! Don't understand how this works, can someone please enlighten me. I am being pursued for several debts that I can't even find on credit report to check out.

Link to post
Share on other sites

Probably older than 6 years so have rolled off credit report.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

Link to post
Share on other sites

What you need to bear in mind is that Mackenzie Hall chase debts that are statute barred, so it is highly likely to be over 6 years old....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Link to post
Share on other sites
Would it then follow that if no debts are showing on my credit report I should not be being pursued for any debts?

 

No, they can chase for a statute barred debt, but as soon as they are told that you don't want to pay as not enforceable in court, they have to stop collection activity per OFT guidelines.

 

If you don't know the date of the last payments for these debts, then you could make enquiries with the original creditors. It is possible that the original creditors or their debt collectors, never got around to noting your credit record.

 

Do you know the date that payments for these debts stopped? If you do and you know for sure they are statute barred, send the statute barred letter. If you are not sure, then send the letter contained in my last post to this thread.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

I don't know any dates. I don't actually know what it is they are pursuing me for, it didn't say in their letter. They only asked me to contact them on a personal matter, no indication what.

Link to post
Share on other sites

well in that case send them the letter posted above

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

 

Do not speak to them on the phone, answer any of their stupid questions or give them any personal or financial details.

Link to post
Share on other sites
I don't know any dates. I don't actually know what it is they are pursuing me for, it didn't say in their letter. They only asked me to contact them on a personal matter, no indication what.

 

A classic case for the OFT to get involved, I really wish they would enforce their own guidelines.

 

A Personal matter to me would be a friend needing a shoulder to cry on or results back from the doctors, neither of which Muck hall are, so their 'personal' matter is only 'personal' to them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Am sending letters to Alan Stewert as suggested. I am unable to check my equifax creit report for wrong doing by M Hall as I applied and they won't let me have it! They want enormous reems of extra personal details and ID.

Link to post
Share on other sites
  • 1 month later...

My son loaned money to pay for a van some 3 years ago, I was the guarantor for the loan through Black Horse. My son has since had to declare himself bankrupt and had McKenzie Hall actively pursuing him for the amount that he still owed Black Horse until his bankruptcy came into place. Since then, McKenzie Hall have telephoned me a few times, saying that they wont deal with my son and that I owe this money and have been threatening and rude on each occasion. The amount is a little over a thousand pounds and I am worried that I have to pay this as I am on low income myself, can anyone please help me!!

Link to post
Share on other sites

Not exactly sure of the law in this area. If the loan was entered into the bankruptcy arrangement, I am not sure whether they can still pursue you legally as the guarantor for the loan.

 

You would probably need someone to look into this in a bit more depth. You could make a post to this sites legal forum, with a bit more information and there are other various legal forums online, so you can get a variety of views. If you post, enter some more information about how the loan was dealt with in your sons bankruptcy and whether there are any terms in the guarantor agreement regarding this sort of situation.

 

Then there is the community legal advice helpline if you live in England/Wales. http://www.communitylegaladvice.org.uk/

 

Edited by unclebulgaria67

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

A a guarantor enters into a legally binding contract to pay off the debt

if the debtor fails in their obligations.

The Official Receiver should be aware of the debt,if it's not mentioned in the bankruptcy

petition I think there could be serious problems,your son should seek the advice of the

receiver asap.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...