Capquest have now brought in Mackenzie Hall

[splosher]

Hi

 

Have had a major problem from Capquest for an old bank loan which was last paid sometime in 2003 for many years - see http://www.consumeractiongroup.co.uk/forum/showthread.php?158313-Capquest-SD-letter-threat-today!&p=1693211#post1693211 for details - and now, another two and a half years on, Mackenzie Hall have entered the fray.

 

The letter that's come from Mackenzie Hall today tells me they're informing me of their client's intended action, even if I do not acknowledge the letter and I've got to contact their office within 72 hours to settle the account. The name given is a Claire Thomson, Assessment Manager.

 

So, should I worry about this latest pile of idiocy or not? For the last 7 years or so I've completely ignored Capquest's various debt-collection morons after sending the CCA letter and they just sell the debt to another company, but with it being definitely now over 7 years since any payment, can this be sorted without any payment?

 

It's that long ago now I don't remember what I should do next, so would appreciate anyone jogging my memory and pointing me in the right direction for a letter to send their way.

[Ell-enn]

Mac Hall deal in statute barred debts - they will know perfectly well it's SB and hope you don't know your rights. If you are sure you have not made any payment or acknowledged the debt in any way in the last 6 years then you should send them the Statute Barred letter from the library. Send by recorded deliver and, keep a copy.

[hillards]

Or, as most do with Muck Hall, ignore them...

 

You're sure it's been over 6 years since a payment was made, so save the effort and let them dig yet another hole for themselves.

[splosher]

Cheers for the answers and I'm positive it's been about 7 or even 8 years since any payment was sent because the bank account I had the loan with was shut down by said bank in 2003 and I was black listed until 2010!

 

No bank account and no credit cards - I had to get my wages paid into someone else's bank account for about 5 years - and all because of a £1000 bank loan which has now spiralled into nearly £6000. I mean, the hardship I've had to endure because of the bank in question is the reason I never paid nor will I ever pay this money back to them, regardless of the multitude of debt companies employed.

Edited May 3, 2011 by splosher

[NailPost]

Send Mackenzie Hall the sb letter by recorded delivery. If they send you any more letters ignore the fools completely but send a copy of your clearly dated letter and copies of their misguided demands to the OFT and the East Ayrshire Trading Standards department. They may, or then again may not, do something about them.

[247orbital]

Muckhall the laughing stock of the debt collection industry. Ignore.

[splosher]

Thanks everyone and will keep this thread updated when applicable.

[splosher]

Well, I know appear to be being called at least twice a day by MacKenzie Hall, which is really getting on my ****, I can tell you! Is there anything I can do, apart from not answering the phone of course?

[cerberusalert]

Did you send the Statute Barred letter? If not send it now & if they continue to pursue make a complaint to East Ayrshire Trading Standards.

[splosher]

No I didn't send it due to lots of stuff going on in my private life. Do you have a direct link to the correct letter for me? Is this the letter I send a £1 postal order with and Recorded Delivery?

 

Cheers

[Kitten1]

No, this letter you need to send is basically telling them that it is statute barred and you won't be paying them a penny.

 

Some clever bod will be along soon with a link for you x

[cerberusalert]

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

[splosher]

Many thanks and will keep thread informed with progression.

[theratboy]

After mackenzie hall sending me 14 letters over a 3 year period i got bored of all their empty threats and emailed them this

 

Thanks for yet another reduced settlement offer after the august dated letter from yourselves stated "no such offer will be made again"

Just to make things clear i do not acknowledge any debt to you or anyone you claim to represent which i assume is still lowells, red, hamptons or whatever they call themselves nowadays as no NOA has ever been received.

The alleged debt was disputed with Lowells originally so why you are on the case is a mystery.

I see they (you?) would like to draw the matter to a close, well consider it closed as i will not be paying you or anybody else for that matter.

If you are not happy with that then feel free to take the "further action as may be appropriate" that you have been threatening for the best part of 3 years. I somehow don't think court papers are imminent on a disputed and statute barred debt.

So to sum up I will not be paying you or anyone else this alleged statute barred debt.

I look forward to you response in letting myself know this matter is now closed

Thanks

 

Shortly after i recieved this reply

 

Please take this e-mail as confirmation that your account reference ******** has been closed. We will make no further contact regarding this matter.

Regards

Job done, remarkably easy. I only let it carry on for so long as i enjoyed costing them money on a fruitless exercise and enjoyed having a read of their threat-o-grams. No-one much writes to me nowadays, sad ain't it.

[whyme-agen]

Are the phone calls recorded messages asking you to phone them?

 

I received a letter from MH about 3 years ago asking me to phone them regarding a private and confidential matter. I ignored the letter, and then received two phone calls ( recorded messages ) from them asking me to phone them, and I am ex directory.

 

I again ignored this request.

 

I have been harassed by DCA's up and down the country now for the past five years, chasing debts which are not mine.

I can only assume that they belong to someone with the same name as myself.

 

Before I get carried away and turn this into an epic, I would just like to state that from my own experiences regarding DCA's.

 

When a DCA think they are not getting anywhere, they will sell it on, and the whole process starts again.

 

Don't let these buffoons grind you down.