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Mackenzie Hall Demanding repayment of a debt that isn't ours


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Hi Everyone,

 

My wife had a letter from Mackenzie Hall demanding repayment of £1344 debt to a company called the Lending Stream.

 

Now this was the first time we'd ever even heard of this company and the only debt we have is the Mortgage for our house and a loan for our car.

 

This debt is simply nothing to do with my wife.

I was quite happy to ignore the letter, but my wife wan't.

 

She went onto Equifax and Experion websites to check that her credit was OK and that she hadn't been the victim of identity theft.

 

As I expected it was all fine, with Experion giving her the highest 999 rating that you can get.

 

my wife wanted to send a letter to them telling them this debt wasn't her's and to basically go away.

 

after some digging I found this very website and forum, which has been of great help.

I downloaded the Prove It letter template from the Self Help Sticky, put my wife's details in and sent it off.

 

Thinking that would be the end of it.

 

Today my wife has received another letter from Mackenzie Hall stating the following:

 

"I can confirm we that we have undertaken an investigation into the issue raised in the above referenced correspondence

and we have concluded that your complaint has not been upheld.

 

The reasons are detailed below.

I have obtained and enclosed a copy of your electronically signed agreement with the Lending Stream along with a statement which shows a breakdown of the balance,

I have highlighted the signature part of the agreement"

 

Firstly the address on the statement has one line of the address wrong, it says Stirlingshire when we live in the West Midlands.

The highlighted signature is just my wife's name typed onto the bottom of the statement.

 

As you can imagine my wife is getting quite upset about this and I'm getting increasingly annoyed.

I just can't believe people can go around doing this, just making things up and demanding money from people.

 

So my question to you good folk is what should my next move be?

I mean the debt is simply not my wife's and is nothing to do with us.

 

Thanks in advance for any help

 

Dave

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really I would ignore it, Muck Hall are very well known for being muppets (sorry for offending Kermit and crew) others may help as tp how to legally deal with it but I would suggest you contact local trading standards and complain

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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No signature = NO CONTRACT.... you say you have sent them a letter was this in the form of a CCA request ? oh and what was the date on the Alleged contrct ?

 

I would send them a CCA request and a SARs Request !! get the ball rolling so to speak.

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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Hmm, this is very worrying I agree.

 

I guess you need to send them an even sterner letter confirming that your wife is not the person they are pursuing and should they not heed your warning and remove your details from their data base and send an apology immediately you will be forced to a) advise the the OFT b) make a complaint to the Financial Ombudsman or c) in the alternative seek an injuction from the court.

 

I would also suggest that you request, along with a suitable apology an amount in compensation for the stress caused by their harrassment. I believe such awards have attracted between £50-£300 from the Ombudsman for similar offences.

 

Make your letter an OFFICIAL COMPLAINT - send it to their Head office by special delivery and require them to respond to you within 7 days.

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Send a letter to MacKenzie Hall Director of compliance Rob Sands, advising them that they have traced the wrong person. Your wife has never lived at an address in Stirlingshire and has never had any dealings with a company called Lending Stream. Ask them to look into how they have made this mistake, as it has caused unnecessary anxiety.

We could do with some help from you.

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time for a CCA request me thinks.

 

but dont get stressed over them.

 

they have no legal powers to do anything to her

 

end off

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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time for a CCA request me thinks.

 

but dont get stressed over them.

they have no legal powers to do anything to her

end off

dx

 

I agree Its there responsibility to prove it NOT your Wife's, Please don’t get stressed out, play the game and have fun along the way.. If you don’t owe the money the ball is in your court.

No Court would uphold there claim without evidence, get a CCA request sent off and send it recorded, keep a file off all the

Correspondences as it may drag on.

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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What utter clowns, Muck hall are at the very very bottom of the barrel, they only chase statute barred or unenforceable debts, the worst thing you did was enter into any kind of dialogue with them, they think they have their target now and will be able to bleed you dry of money you don't owe.

 

IMO if you keep pulling it's tail, they will keep sending you rubbish. Just send a letter of complaint as suggested, and make a complaint to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

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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How old is the alleged debt, MH are currentl chasing

a portfolio of stat barred debts or debts on the edge

of SB, therehas been a lot of ''pick a name any name''

and go for it even if none of the other details match.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Why not get a phone recorder and give them a ring, what they say will be completely different from anything they put in a letter. You don't have to tell them you are recording the call.

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Hi everyone.

 

Thanks for all your responses. It's great to know we're not alone with this.

 

I've just this second got off the phone to a lovely lady at the Financial Ombudsman Service. I explained our predicament and she said that she'd get a letter of complaint off to both Mackenzie Hall and the The Lending Stream asking for the details of the agreement and that they will both be investigated over it. So that's put me and the wife in a better mood :)

 

So do you think I should just leave it now and let the FOS do their thing? As far as I'm concerned the less I have to do with the idiots at Mackenzie Hall the better.

 

Cheers

 

Dave

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Leave in the hands of the FOS, if they will be writing to those concerned.

 

Mackenzie Hall are pains in the *ss. For a relatives debt they kept writing to my address, even thought I repeatedly told them they did not live there. They did stop eventually after I complained to Rob Sands who is Mucky Halls compliance director. But before he stopped it, they kept phoning and writing to my address. They even sent around a doorstep collector and phoned a neighbours to see who lived at my address. So it is up to you. The FOS are very busy, so they might not get the letters sent for a while. Based on my experience, I would send a letter to Mr Sands to inform him of the situation.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi everyone.

 

Thanks for all your responses. It's great to know we're not alone with this.

 

I've just this second got off the phone to a lovely lady at the Financial Ombudsman Service. I explained our predicament and she said that she'd get a letter of complaint off to both Mackenzie Hall and the The Lending Stream asking for the details of the agreement and that they will both be investigated over it. So that's put me and the wife in a better mood :)

 

So do you think I should just leave it now and let the FOS do their thing? As far as I'm concerned the less I have to do with the idiots at Mackenzie Hall the better.

 

Cheers

 

Dave

 

Well this is positive news - were you given a reference number from the FOS - if so, then leave it in their hands for the time being. However, if you receive any further hassle from Mucky Hall, then just quote the FOS ref number and tell them to go bother someone else.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi SBD

 

This may help add some weight to your complaint against Mack Hall and give you an idea of just how thick they really are

 

Back in 2009 the OFT imposed "Requirements" on them for continuing to chase disputed debts, with luck this link will bring up the PDF doc . . http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/requirements.pdf (If it doesn't copy/paste it in your search bar or Google Mackenzie Hall OFT)

 

They love to chance their arm in the search of a quick £

 

Regards

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Hi Everyone,

 

Again thanks for all your help and links.

 

Citizen B, Yes they gave me a reference number for both the complaint against The Lending Stream and Mackenzie Hall, so all good there.

 

Revenant, Why doesn't that surprise me! Just goes to show what sort of low life we're dealing with!

 

 

Cheers

 

Dave

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