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    • dont think they are even allowed to offer settlement by instalments, they are not creditors.   read the letter carefully and understand what it doesn't actually say....like the word WILL anywhere.   they,  a DCA, can't recommend anything and their client most certainly wouldn't have disclosed anything to a powerless DCA about what their solicitors might or might not have said to them. and ofcourse a solicitor is in no position whatsoever to suggest to their client they get back to the DCA and tell the DCA to tell you their client will accept instalments!   the letter is a load of ole BS that is concocted by the dca without any input or knowledge of their client nor their clients solicitor...   dx      
    • The paediatric orthopaedic consultant at the fracture clinic told us today that he believes it is just a sprain behind the knee. I'm concerned my GP will say something along the lines of, 'you have seen a consultant, he says it will heal in 2 to 3 weeks, you don't know more than him!', or something like that. It's just that I believe I can clearly see a fracture. And as there was no fall or hard knock, only a very tightly streched knee bending at an angle behind, with a load. I figured that the temdon must have pulled some bone up. And thats the injury I found online. I totally take on board what you are saying. You are correct. I guess I'll see what my GP says tomorrow, hopefully she allows me to email the images, if she doesent have access to them already. Thanks again
    • Make a appointment ASAP to see child GP and let them sort it out and not Dr Google.   You may need to see a paediatric orthopaedic consultant for advice, a GP can refer the child if necessary.
    • As dx's post 2 above.  Toilet paper from paper tigers.  Settle back, relax & ignore.
    • Would you be content with the following X-Ray image being explained as a "sprain behind the kneecap"?   My 11 year old son wrapped his leg around the extention of a zip line at the local park a few days ago, then used that foot to hold on to a bar behind him before raising his right leg and enjoying the ride down.   He cannot straighten or bend the knee without pain and the affected kneecap is higher than the other. Following an X-Ray at A&E the Doctor sent us to the fracture clinic.   At the clinic the consultant told us it was a sprain behind the kneecap which will heal in 2 to 3 weeks.   When I pointed out what I thought looked like fracture he said that if this xray was from an adult, he would say it is fractured, but an 11 year old bone growth can present like this. Who am I to argue? If anyone understands how this possible please enlighten me.   Looking at X-Rays online, the condition in the title is what resembles my sons X-Ray the most. And learning that late treatment in children will cause issues with bone growth later on down the road. which is very worrying.   Thank You for reading this far, any opinions will be most welcome  
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Mackensie Hall - Unknown debt?!

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Help. My partner has just received a letter from Mackensie Hall Specialist Debt Recovery and Trace Solution Provider.

It looks like a standard letter that they would send out to anyone with the same name as it says they are attempting to contact him regarding a personal matter and request him to get in touch.

There are no specific details on the letter just a reference number for them and a client reference number so we have absolutely no idea what this so called debt is for. He cannot recall ever having owed money that he has not been chased for or already paying back.

What should we do? If we contact them to find out who their client is they will only take that as an admission.

Please, some advice would be greatly appreciated.

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ignore it until something more conclusive comes.

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.

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Ignore Mackenzie Hall and if they continue to send you letters report them to the OFT and to your local trading standards office. You could also report them directly to the East Ayrshire Council trading standards. They know all about this company.

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I would concur with the guys' posts - ignore them. If, however, they do follow this up, it would seem very reasonable to send the letter template saying that you do not acknowledge the alleged debt.


The letter is here: http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt



By Royal Mail Recorded Delivery






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.

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.


If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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They're phishing, ignore them altogether until they can write to you direct with your name and the nature of their enquiry.


I would send them nothing, not even an acknowledgement of their 'card through the door' until they can provide you with more information.


If they do that then come back here and ask the same question again.

I reside in Dawlish Warren but am not a rabbit.

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Is there an echo in here?



If you think I have helped you, please add to my reputation by clicking the star button to the left.


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