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Can Mackenzie Hall run a credit check on me?


Azazal23
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Recently had a letter from Mackenzie Hall regarding an upaid parking ticket, however I have run a credit check to day regarding a different matter and there is a record of them running a credit check?

 

Can this be done, i thought they would need my consent, is this not a breach of the Data Protecion Act

Edited by Azazal23
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If they are chasing a 'debt' then they believe they have the right to search your files. Under which heading did they search, as not all searches are visible to all.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

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The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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they ran a credit check, where it said reason they entered outstanding debt. This is visable to any authorised creditor searching my file?

 

It is to do with an outstanding parking ticket not a credit agreement

Edited by Azazal23
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Is it a private parking ticket?

Anthrax alert at debt collectors caused by box of doughnuts

 

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Well apart from the fact you have not entered into any financial agreement either with MH or the parking ticket company, the ticket is a speculative invoice and cannot be enforced.

 

Personally I would contact the credit reference companies and demand the searches be removed, send MH this; http://www.consumeractiongroup.co.uk/forum/content.php?411-Legal-notice-issued-under-Section-10-of-the-Data-Protection-Act-1980. and then make a complaint to East Ayrshire Trading Standards; http://www.east-ayrshire.gov.uk/item_detail.asp?UIN=1492 who have a rather large file concerning MacKenzie Hall.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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  • 4 weeks later...

MH has now reply saying inlight of my complaint they have deleted the enteries on my report and they will not persue me further regarding the alleged debt.

 

But can i now persue them for running an unauthorised credit check, I thought they could not run this type of check without consent.

 

I know they can run a search

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You can make a complaint to the ICO & TS.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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I have in my initial correspondance asked for damages for the unauthorised access of my report, plus damages for defamation as they stated the reason for the search was an outstanding debt which they have now admitted is not the case.

 

If they deny my request i will submitt a county court claim.

 

Thanks for all your help, i will update as things progress

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You can always try and winning any sort of damages for defamation because they ran an authorised credit check might teach them not to do so readily in the future. But MHall have a tendancy to ignore all correspondence unless they contain cheques. Be ready for a battle.

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I have contested these searches with MH and received payment

they stated the searches were ''inappropriate''.:lol:

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

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I have also contested searches from Mackenzie Hall and received financial compensation from them as their Outstanding Debt searches affected my credit rating.

:cool::cool: Blondmusic :cool::cool:
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If I remember correctly we were contesting these searches a around the same time

when MH were using searches at a huge rate.

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:

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  • 11 months later...

Update to my thread, I am taking action aginst this company now for failing to removed these searches from mycredit record as agreed. Does anyone know if they have a UK office for service if not can anyone advise how to complete the N510 "service out of jurisdiction" form.

 

Cheers

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MHall have recently been taken over by an American firm but they are based in Scotland therefore do have an UK office for service of court papers. If they are trying to play silly beggars regards theior address and their liability under UK law then the attention of the relevant authorities must be drawn to it.

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just google MH they are based in Kilmarnock, East Ayrshire.

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:

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Mackenzie Hall Registered Office:

Portland House,

Unit 1A,

58 Portland Street,

Kilmarnock.

KA1 1JG

 

Company Registration No: SC255891

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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oooo i would love to see MH taken to court

 

subbing

The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

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