Fun & Games with Mckenzie Hall

[gizmo2007]

Sorry in advance if i have hijacked this post

 

Got a letter from these guy's last month at my old address. I called them up to advise that the debt they was chasing was short settled.

 

They said i needed to prove this - and send them evidence so - i got on to the finance house who issued me with the funds in the 1st place.

 

After Many phone call's spoke to a gentleman there who advised that the debt was indeed short settled, I asked them to inform MH who said they would do so.

 

 

About 3 days later i got a call from the finance company who advised in fact there is an error and that figure of which i was told was short settled was infact what was sold to MH and that they have instructed MH to go ahead and collect.

 

What bugs me is

 

1. They aint even spelt my name correctly

2. They dont have my full address

3. The information they have between them and the finance house is sketchy

 

I called up MH and said if they can prove it then i will pay them the money - they said they will apply for original copies of documets and send me a copy.

 

I am still waiting for these. They want 650 quid off me by end of sept - if i am in the right after they have got the information then they said they will refund me the money.

 

I really dont know what to do. Im sure i have short settled this account.

if i pay them i dont think that i will get the money back.

 

I really need to know what i should do - i dont want a CCJ or anything I am really at my witsend.

 

any information would be great thanks

 

Giz

[NailPost]

Hold on right there! Something isn't quite right here.

 

They don't have your current address, they spelt your name wrong and the information is sketchy but they want you to pay £650 within a week. I could do that with lots of people I know but none of them would pay me. They would tell me to f@@@ o**!

 

For a start make no more phone to Mackenzie Hall or the finance company. Write to both companies requesting full details of the debt, This is the CCA S77/78 letter and it will cost you a £1. There is a link round here somewhere and when I find it I'll post it. It is important you send this letter by recorded delivery. This letter forces Mackenzie Hall and the other company to provide you with full details and a statement of account within 12 working days. Set your calendar. If they fail the debt becomes unenforceable and a judge will laugh them out of court. If they take more than 30 days they commit a criminal offence and a judge would take an even dimmer view.

 

You say the finance company said the settled figure was the sum they sold it to Mackenzie Hall who are now chasing you for £650. Is there a big difference?

[gizmo2007]

I originally got the letter a couple of months back and they said they wanted 650 quid by end of sept.

 

I really dont want to give em my current address - and i have checked my credit file - and all my accounts with the concerned finance company are settled. - The one in question doesnt appear - could be becuase they have spelt my name wrong.

 

Should i pay it or just ignore them - see the original debt they said was 857 or so - but they are willing to accept 657 by the end of sept.

 

But according to the finance company - which bare in mind they said was the short settled figure was 400 odd quid.

 

then they changed there tune and said the 400 odd quid was sold to MH

[jo5ephedward5]

agree with above sent the CCA S77/78 letter and wait and see what comes back, they cant CCJ you or Default your credit file without providing this information as the account is in dispute - however if they do as DCA love a bit of skulldugary then you will have ample grounds to have these removed

 

good luck and dont correspond via phone anymore, there is a letter to request this in my CapQuest thread - click the link in my signature.