Mackenzie hall - help!

[angelmagic76]

I've been reading some MacKenzie Hall posts on here but i am still left unsure what to do with this letter i got from them today:

 

Reference: xxxxxxx

Client Reference: xxxxx

Pursuers: Cabot Financial (Europe) Limited

Original Creditor: Barclaycard

Principal SUm: £2,xxx.xx

 

NOTICE OF OVERDUE ACCOUNT

 

Dear Miss xxxxx xxxxxx

 

We are instructed by our client to recover the outstanding balance of this overdue account.

 

Despite repeated requests for payment your overdue account with our client still remains outstanding. Accordingly, we may now have no other alternative than to advise our client to take such further action as may be appropriate.

 

This letter is to inform you of our client's intended action, even if you do not acknowledge this.

 

It is now imperactive that you contact this off within 72 hours to settle this account. By doing so, you are showing an interest to resolve this matter and we will endeavour to come to an amicable conclusion to this matter.

 

Should you decide to ignore this advice, our client will not hesitate to instruct the appropriate action be taken against you to recover the outstanding balance in full.

 

To avoid any further action, payment must be lodged at this office within the next 72 hours. I this is not possible please contact xxxx xxxxx on xxxx xxx xxxx immediately.

 

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

 

----------------------------------------------------------

My situation is:

I did have a dept owed to Barclaycard that i have not made a payment to since 2003. Since then, i have had numerous debt agencies chasing me for payment (although, none have ever stated the creditor!) and i have ignored ALL letters.

 

So my question is what to do next?, should i write to these people and ask to prove the debt is mine?, of course, i know it is and i'm scared they can prove the debt. Or should i just ignore this letter and hope that they will also give up like the other debt collectors, however, they did state in this letter that they will advise cabot to take further action if if i dont acknowledge the letter.

 

Another question, who are CABOT?, my debt was with Barclaycard and since then have been passed to numerous debt agencies.

 

Would really love to hear from people who have had experience with Mackenzie Hall to know how to deal with this letter.

 

Thank you all !!!

[padja]

If you havent paid a penny or acknowledge the debt since 2003 then these people can take a running jump, the debt is statute barred and they can threaten what they like they cant touch you save the letter, but send them this letter recorded delivery

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

[BASFORDLAD2]

I love the 72 hour demands. It's like a hostage thing!

[paulh1818]

Mackenzie hall seem to 'specialize' in this type of debt. ie - totally unenforceable.

[BASFORDLAD2]

The hours of fun I've had with muck hall...

[DIZZYNITA]

A couple of years ago I dealt with Muck Hall. They went so far as sending 'debt consultants' to my door, called Meritforce, but they didn't gain access to my block of flats.

They work for comission so will try they hardest to get money off you.

(well, Christmas is a few months away)

If the debt is 6 years old they can't do anything but will work very hard trying..

Just ignore and if you get a letter re Meritforce just don't open the door, they will probably try a couple of times (3 times with me) then you won't hear anything from them.

[BASFORDLAD2]

The joys of doorstep collectors. I had one turn up and I said theres the doorstep. Do you need a hammer and chisel to take it. Now anytime any one threatens to send anyobe round I ask for a time so.I can clean the door step and get the coffee ready etc:)

[huggys boss]

I have found that the easiest way to get rid of these jokers is to fire a letter back at them, whether it be a CCA request, a Stat Barred letter or even on one occasion just a telephone harrassment letter. They don't seem to be able to handle any paperwork unless it is bankable and soon send the account back from wherever it came!

[cerberusalert]

If they still persist in pestering you make a complaint to east Ayrshire trading Standards who are well aware of MH.

 

Sam Gardiner at East Ayrshire Trading Standards

 

http://www.east-ayrshire.gov.uk/item_detail.asp?UIN=1492

[dx100uk]

pers i'd do nothing

 

ignore them

 

waste of a stamp.

 

dx

[postggj]

have a nose at my thread

 

cabot seem to be unloading a lot of statute barred debts at the moment

 

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?313163-postggj-gets-dca-letter-ref-barclaycard-from-1998-dca-says-payment-made-2009

[brokebutnotbeatn]

Always worth senting the SB letter as then continued harrassment can be complained about. They are not 'doing anything wrong' until you've told them it is SB and you won't be paying...

[theratboy]

I just emailed them stating it was statute barred and i won't be paying them anything anytime soon. They replied pretty quickly saying

 

Please take this e-mail as confirmation that your account reference M0000000 has been closed. We will make no further contact regarding this matter.

Far easier than i ever expected

[postggj]

Was it muck hall or cabot you emailed

[NailPost]

And if they do start again you have grounds for complaint. Bear in mind the MHall web of muck extends to Meritforcer and a firm callerd Engage UK but they are all the same so anything more from them and its time to fire off letters of complaint.

[theratboy]

Muck Hall i emailed.