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    • just to clarify matters, but once you have complained now/and asserted your rights under the act for this to be paid by 'them' FOC to you, should the vehicle again fail for anything related to the damage done by the incorrect fitting of the windscreen before you purchased then you CAN exercise your right to reject.  is the car specifically identified on the finance agreement? dx  
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Mackenzie Hall stating I owe Credit acceptance corp UK Ltd £3.5k - not my debt!


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Hello all I am new to this forum.

I recently received 2 letters from a DCA called Mackenzie Hall basically stating I owe money from an original creditor Credit acceptance corp UK Ltd for £3500, no information when, why etc.

I have no recollection of this debt at all?

What type of letter should I send asking for information regarding this alledged debt?

Advice gratefully received...

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sounds like a phishing trip

 

time yo ignore them till they play their cards.

 

dont forget dca's have no legal powers anyhow to do nowt

 

also check your CRA file just in case

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks, my most recent credit file approx a month ago is clean, no debts defaults or CCJ`s and I have this month obtained a mortgage so my file should be half decent. it does show these Mackenzie Hall as doing a search. Over 12 months ago I had a stat barred default removed from my file as it had been on for 6 years but is as I say no longer there now.

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then its a phishing attempt

 

totally ignore them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok,

Here is the latest correspondance from Mackenzie Hall:

I recieved a letter and the letter states..."you have failed to respond", it also says they obtained my address from a finincial link from a previous abode.

Apparantely they have been instructed by a their client Credit Acceptance Corp UK Ltd to recover £3259.93 of which as I previously said have no recollection of, they dont give any dates or mention what its for?

Oh and I have a deadline of 3 days with the date in bold red ink!!!Before further action is taken.

 

Why wont they inform me what the alledged bloody debt is for? I most certainly am not wasting my time phoning them.

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Have you checked your credit files to see if these fools have placed anything on their?

 

The only thing you need do is to inform the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948 and advice them that this circus outfit is communicating in an unclear manner, and just that they are being a general nuisance.

 

Ignore is the only option.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I checked my Equifax credit file this morning 27-09-11, and there are no defaults, no CCJ`s, everything is above board, still got the search by Mackenzie Hall.

But as I say both Cred files Equifax and Experian are up to date and have no issues on them...Mackenzie Hall still not telling me what this alledged debt is for etc?

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Hi, I would complain to MH

formally and demand to know

what they are after, they are

well known to East Ayreshire

Trading Standard for their

''business'' methods.

Address the letter to Mr. Rob Sands

their compliance manager.

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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I received an email from East Ayershire Trading Standards, they asked me to contact Mackenzie Hall by post (recorded) or email.

I have already emailed MH asking for details of this alledged debt - But the reply was ...give us your name, address and date of birth!!

Why cant they simply tell me what the alledged debt is for?

Well they can wait and wait I am not contacting them again, the onus is on them to prove this alledged debt is mine.

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Data Protection Act, I guess,

I would write back and state you

have made a search on my file

that is enough identity therefore

I require the information by return

if not expect legal action.

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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Data Protection Act, I guess,

I would write back and state you

have made a search on my file

that is enough identity therefore

I require the information by return

if not expect legal action.

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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