Mackenzie Hall stating I owe Credit acceptance corp UK Ltd £3.5k - not my debt!

[les3103]

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...

[rebel11]

Hi les

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Thread moved to the correct forum.

[les3103]

OOps sorry unaware on wrong section, and thanks for reply

[dx100uk]

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

[whyme-agen]

Yes, agreed DX

[les3103]

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.

[dx100uk]

then its a phishing attempt

 

totally ignore them

 

dx

[les3103]

Thanks DX I will do this and see what happens...Cheers

[Mr Worried]

Hi Les

 

Sit tight, ignore, come back here when you recieve any comms from them.

 

Mr

[les3103]

Thanks Mr,

I am waiting now to see if any more mail heads my way...

[Bazooka Boo]

Muck hall still buying up lemons and

[les3103]

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.

[Bazooka Boo]

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.

[les3103]

Hi Bazooka, The last time I checked my cred file was from Experian approx 5 weeks ago now and it was clean, but it did show that these people had done a search.

I`ll wait and see what transpires...

[BRIGADIER2JCS]

Check files again in case any entry

has been made 5-6 weeks anything

can happen.

[les3103]

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?

[BRIGADIER2JCS]

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.

[les3103]

Thanks Brig I`ll wait until the end of this week then I will complain, I have more important thin gs to do than fret about things like this: I`m not really fretting lol ...

[BRIGADIER2JCS]

OK. Keep us posted.

[les3103]

Hi,

I have emailed East Ayreshire Trading Standards, I will keep posting when get more info.

 

Thanks for your replies and assistance.

[BRIGADIER2JCS]

No problem.

[les3103]

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.

[BRIGADIER2JCS]

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.

[BRIGADIER2JCS]

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.

[les3103]

Ok Brig and thanks for the advice.