Mackenzie Hall Letter - What Action Should I take Now? Please Help!!!

[NailPost]

Don't hold your breath baout getting any sort of response from MHall other than their computer generated threatograms. They have a poor record of dealing with any form of correspondence and your letters are not offering them money. If they don't respond and continue pestering you for money get back on here and there will be further advice on what to do.

[matthulme]

I've seen off Muck Hall a couple of times now. I don't bother to write to them I just email the Compliance Manager directly, usually have a response within a day. I've pasted an example below of my last dealings with these pirates!

 

Dear Sir,

 

I have today received a letter from you reference 911*****

 

I must advise you that I am in possession of a letter from your company confirming that this alleged debt is Statute Barred and that my file had been closed.

 

As you will be able to see from the email below, you thought it appropriate to pass the alleged debt to MacKenzie Hall who I in turn advised that the alleged debt was Statue Barred.

 

It would now appear that the alleged debt has been passed back to you and you persist in wasting both your time and your shareholders money in pursuing me.

 

Because of the following two actions by your company:

 

1. Passing the alleged debt to Mackenzie Hall after writing to me to confirm that the alleged debt was statute barred and therefore being complicit in continuing to pursue a statute barred debt. AND

 

2. Having received the case back from Mackenzie Hall, continuing to pursue me despite having already provided me with confirmation in writing that my file had been closed.

 

I must advise you that I now consider this to be harassment.

 

May I take this opportunity to remind you that the OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970".

 

I now expect you to reply to this email confirming that your files have indeed been closed. Unlike your previous letter which is clearly an untruth, you did not close my file, instead passing it to MacKenzie Hall, who incidentally are known as an extremely unethical company and have been the subject of investigations by the OFT and local Trading Standards. An opinion I am also beginning to form about your company.

 

Should I ever receive correspondence regarding this alleged debt again I will without further reference to you pursue legal action citing the Administration of Justice Act 1970. Furthermore I will seek substantial damages from you and any company associated with you for the considerable stress and distress you have caused.

 

I will also be lodging a complaint with the Leeds Trading Standards Office regarding the fact that I have, on file, a letter from you stating that I would receive no further correspondence from you, yet you continue to pursue me. I will be providing them with copies of all correspondence.

 

Regards

Me

 

 

From: rsands mackenziehall

To: me

Subject: RE: Reference M1********

Date: Fri, 15 Jan 2010

 

 

Mr *****,

 

I am in receipt of your email below and I note the contents accordingly.

 

I feel it prudent at this stage to inform you that Mackenzie Hall received your case on the 22/12/09, we were not informed that you had previously notified Lowell that your account was statute barred and would not be paying as such.

 

May I ask you to take this email as confirmation that the account has been closed and returned to our clients. Mackenzie Hall shall undertake no further collection activity and we apologise for any undue stress and inconvenience this matter may have caused.

Regards

Rob Sands

Compliance Manager

 

From: me

Sent: 14 January 2010 18:25

To: complaints

Subject: Reference M1******

 

 

 

Dears Sirs,

 

I have received a letter from you today with the above reference.

 

I was contacted some time ago in reference to this alleged debt by Red Debt Collection Services which I understand to be a part of Lowell Financial.

 

Upon receiving said correspondence I advised Red Debt Collection Services that this debt is now Statute Limited. Shortly afterward I received a letter from Lowell advising that the debt was indeed Statute Limited, that my file had been closed and that I would receive no further correspondence.

 

You can imagine my dismay to receive this letter from you today.

 

May I take this opportunity to remind you that the OFT sat under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period.

 

Furthermore, the OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970".

 

I assume your letter is the result of an administrative error and I look forward to confirmation of such, should I receive any further correspondence after your confirmation I will immediately instigate legal proceedings against you and seek damages for harrassment under the abovementioned act.

 

Regards

 

Me

[bobneedhelp]

Uncercover-Elas, NailPost, matthulmeand everyone,

 

Thanks for your thoughts, help and advise. My weekend away has been a good break all in all.Coming back home,however is not as pleasant when at the back of my mind, thoughts of this MH letter to me again.

 

Anyway, I have received a letter from MH and this is what it states:

 

Ref: xxx

Client Ref: xxx

Pursuers: Mackenzie Hall Debt Purchases Ltd

OriginatorCreditor: xxxBank

Principal Sum: 500+

 

FAILURE TO RESPOND - NOTICE

 

Dear xxx

 

Despite previous correspondence you have failed to respond. We have obtained this alternative address as a financial link, linking this address to your previous abode.This financial link information was supplied by a credit reference agency.

 

We have been instruction by our client to recover this Overdue Account on their behalf.

 

Our client have informed us that they are unaware of any legitimate reason for non-payment of their account and although they would prefer an amicable settlement, they will not hesitate to take such further action as may be appropriate.

 

We trust that this will not be necessary and would request that you send your payment by the deadline below.

 

Payment Deadline: Noon 22/11/10

 

If you recently forwarded payment or there is any issue that you would like to bring to our attention then we would ask you to contact this office immediately by telephone on 0844 411 5630.

 

Important: If you are not the named person above please contact us quoting Address ID:xxx to stop any further communication.

 

Your sincerely

 

MH

 

Last week I send them the bemused letter and statute barred letter BUT MH have not replied yet to my letters sent. Now I have received this letter from MH.

 

WHAT do I need to be doing? REPLY? or NOT? If not, then what?

 

Please advise and help. Thanks a lot.

[dx100uk]

time to ignore the threat-o-grams

 

they are just trying to scare you into paying as you've already bitten and replied

 

dx

[Undercover-Elsa]

Or maybe the one in the office with a brain cell is off sick and they haven't figured out how to open the envelope yet?

As above, stay cool and wait Bob.

 

Elsa x

[bobneedhelp]

dx100uk, Undercover-Elsa,

 

Many thanks.I will wait and see what comes next from MH since I have written and they have not replied to my letters yet.

 

I will take your good advice and wait.

 

Thanks very much once again.

[sillygirl1]

You want to get hold of Alan Stewart at East Ayrshire Trading Standards, he is the person who is compiling a file on Mackenzie Hall... should put another black mark their way. He can stop them contacting you in this manner especially as you don't owe anything.

 

Get onto him pronto and don't bother responding to MH - they will continue to harrass you otherwise.

[bobneedhelp]

sillygirl1,

 

Thanks and if this is a good way to stop them continuing harassing me then I will. Hope others feel this is a good way forward too in writing to Alan Steward, East Ayshire Trading Standards.

[Undercover-Elsa]

:thumb:Yep

[sam614]

go for it.

 

He really is good.

[NailPost]

What's the date on MHall's latest missive? There tends to be a pretty big gap between the date of the letter and the envelope falling through the letterbox with this lot. I think its because of the mail supplier they use at source. My postie told me they don't handle their stuff with any great urgency so what might take just two days with good old Royal Mail may take four or five days. If the date pre-dates the receipt by Mhall of your recorded delivery/signed for note telling to go away then you have to accept they crossed in the post. But if you get another one demanding cash, or no response to your letter, then's the time to start creating big waves.

[bobneedhelp]

PriorityOne, Undercover-Elsa, dx100uk and everyone,

 

Many thanks for all your help and support.

 

I am trying to locate the full address for Trading Standards. So far this is the address I have found.

 

1. Can someone confirm that this is the full address to send my complaint to.

2. Is there a template letter for TS?

3. What else do I enclose in the letter to TS?. Do I enclose the 2 recorded delivery letters which I sent to MH last week?

 

To:

Alan Steward

East Ayshire Council Trading Standards

14, London Road,

Kilmarnock

KA3 7BU

 

Many thanks once again.

[unclebulgaria67]

Yes that is the correct address.

No template. Make it a personalised letter advising of your situation and what you have faced.

Include copies of letters you have received from MH and what you have sent to them.

[bobneedhelp]

Unclebulgari67,

 

Thanks and will draft letter to send out and post here for comments and advice.

[Undercover-Elsa]

Hi Bob,

Just a small point, but after some more thought I'd be tempted to hang on for a few days till you get their response to your Stat Barred/no knowledge of debt letter, which will provide more ammunition if they still persist in threatening you. Equally, if they fail to respond you will be seen to have given them a fair chance to do.

In the meantime work on your letter then we'll tweak it according to what happens...

Elsa x

[bobneedhelp]

Undercover-Elsa,

 

Point noted and will wait a few more days or until they reply to my letters. Many thanks.

[bobneedhelp]

Nothing in post last few days, so hopefully this is good news.

[Undercover-Elsa]

They'll be sat in the office throwing darts at the CAG logo, chuntering !!&&%%**!! that's our Christmas Party down the Swanee...

 

[bobneedhelp]

Undercover-Elsa,

You are right funny and I like that . Nothing today as well.

[Undercover-Elsa]

These sharks rely on frightening people. Once you see through them and laugh at their antics, their teeth fall out....

 

 

Edited November 26, 2010 by Undercover-Elsa

[bobneedhelp]

Hi PriorityOne, dx100uk, Undercover-Elsa and everyone,

 

This weekend have passed and I have not receive any letters from MH - hooray This is very good news. I hope the bemused letter and also the Statute Barred letter did the job.

 

But I must not be too happy but will await and see when MH replies. As I have written the two letters and if they do not reply, what should I do next? Just sit tight and wait?

 

Have a great week ahead everyone and thanks very much.

[PriorityOne]

Yep... just sit and wait.

[darkandverystormy]

Based in Kilmarkshire , they are a Debt based company who buy debts from other idiotic debt companies who just continuously leech on the address think that the person maybe there sixteen years letter or they PHISH for any information. here are som eother options to consider.

 

1. IGNORE IT.

2. RETURN IT WITH A MESSAGE ( NOT KNOW AT THIS ADDRESS) IN BOLD

3. IF THEY START CALLING YOU AT HOME( WHICH THEY DO) GET BT OR YOUR PROVIDER TO PUT YOU ON THE CHOOSE TO REFUSE LIST,£ 4.00 A QTR AND WELL WORTH IT, THEN PUT THEIR NUMBER ON IT, WHICH BLOCKS THEIR NUMBER FROM CALLING YOU. THEY WILL USE OTHER NUMBER SO YOU ADD ALL THE NUMBER , THEY WILL GETE FED UP AND RETURN THE DEBT TO THE CLIENT STATING THAT THEY CANNOT GET HOLD OF THE PERSON CONCERNED.

4. REPORT THEM FOR DEMANDING MONEY BY MENACE TO THE OFT( NOT VERY HELPFUL), BE PERSISTENT AND THERE ARE OTHER GOVERNING BODIES WHOM YOU CAN COMPLAIN TO.

 

HOPE THAT HELPS, BUT DO NOT BE AFRAID TO CONFRONT THESE IDIOTS WHO HARASS YOU JUST BECAUSE THEY HAVE AN ADDRESS OR A SIMLAR NAME TO THE NAME OF THE PERSON THEY ARE LOOKING FOR.

[bobneedhelp]

PriorityOne Undercover-Elsa,dx100uk and Everyone,

 

Many thanks. I will sit tight and wait. Nothing today from MH.

 

It is snowing and I am going out for a walk in the park to get some fresh air.

 

Many many thanks once again.

[bobneedhelp]

nothing from MH today too