Help with Mackenzie Hall & very old Barclays debt sold to AK

[roppa1975]

Hi all

 

Just after some advice.

My OH received a letter from MH, for £4k owed to barclays bank.

 

This was a debt from about 15 years ago for about £800, thay is the only thing it could be.

 

He has heard nothing from barclays themselves for 15 years,

 

there has been the odd letter last year from DCa's but he ignored them.

 

They have now been ringing him at work although i dont know how they found out where he worked.

 

Ive been told there is a letter i can send as the debt is over 6 years old.

 

Any help greatly appreciated.

[NailPost]

Send the statute barred letter - ypu'll find one in the library. Send it recorded delivery, keep the receipt and keep checking the Royal Mail website until the letter arrives and is signed for. Print off that page. Keep all this material safely along with the begging letters from Mackenzie Hall. Should they decide to persist report the cretins to the OFT, the trading standards department at your local council and the trading standards department at their local council of East Ayrshire.

 

Chasing debts of that age is nothing new for the "new" owners of the Mackenzie Hall Group so I suppose this will become a regular feature of these threads. It doesn't mean we have to put up with such behaviour though.

[padja]

yep its Statute barred from what you have said Muck Hall specialise in Statute Barred Debts. The letter is in the library on the forum, also they are not allowed to call your husband at work so thats a complaint to OFT about that.

[roppa1975]

Great thanks, i cant seem to find the letter template

[roppa1975]

i didnt think they could ring you at work. Thanks for confirming

[BRIGADIER2JCS]

Take care before sending any letters, you say that ''this is the only thing this could be''

is it at all possible that there could be another debt lurking.

I suggest you check credit reference files to see what accounts are showing.

This seem very old even for MH it makes me suspicious.

[roppa1975]

isnt there some sort of letter you send with £1 to get the info on what it is about. ? Will try and find the most recent letter and put what it says exactly

thanks all

[BRIGADIER2JCS]

Check Credit files first!!!!

You are thinking of a CCA request under CCA 1974

to get a copy of the agreement, Cost £1 and they

have 12 + 2 Days to reply there is a template in

the CAG library.

[roppa1975]

Sorry, my mistake, was 9 years ago. He paid some off through thames credit at the time but they messed him about so much he stopped paying but was still 9 year ago. So will i sent statute letter?

[BRIGADIER2JCS]

If you are sure that there has been no payment or acknoledgment ok.

[roppa1975]

So if i send the CAG letter with the £1 and they send a copy of the agreement somehow, do i then send the statue barred letter?

[BRIGADIER2JCS]

One or the other really if you are totally sure that the stat barred

requirements have been met the send this::

 

Dear Sir or Madam,

 

I do not acknowledge any debt to you or any company you claim

to represent.

I refer to your correspondence regarding a debt to xxxx which you

allege is owed by me.

 

Please take note that from advice received and my personal research I

state that this allged debt is STATUTE BARRED therefore I will not now

or in the future be making any payment or offer of payment.

I trust that I do not have to remind you of the OFT Guidance 2003/2011

on dealing with Statute Barred Debt and in particular the section in relation

to selling SB debt without notifying the purchaser of the status of the debt.

Other than your acknowledgment of this letter no further correspondence will

be entered into.

Send recorded delivery to their Compliance Director Mr. Robert Sands.

[roppa1975]

Great thank you, will get it sent off

[roppa1975]

Just noticed, it says barclays but email is Aktiv Kapital

[BRIGADIER2JCS]

OK MH are acting for Aktiv Kapital we know they

have loads of \SB debt, still send to MH.

[roppa1975]

so i'll send the CAG then Statute barred,

[BRIGADIER2JCS]

Yes or my draft in post #12

[roppa1975]

thanks everyone, will let you know if i get a reply

[roppa1975]

Hi all

 

Ive sent the letter, they keep ringing my partners work place even after they have been told not to.

Who do i report them to?

 

thanks

[BRIGADIER2JCS]

Report to OFT,

Then write and complain to MH

again about the calls address the

letter to Rob Sands the Compliance Director

marked private and confidential.

[Mumraa]

Hi guys sorry if this is on an old post I can't find the link to start a new post.

I just wanted some advise on Mackenzie hall. I got my self in a mess with pay day loans. I've had 2 letters today from Mackenzie hall for a lending stream debt of £425 which I did have and stopped paying as my account was wiped out by Capital Finance one I was taking loans to pay rent and got into a mess. The letter I have states I have been passed to merit force for a doorstep sanction. I do want to start paying these debts off and was going to email Mackenzie hall today to try to set up a payment plan but thought I would seek some advice first.

In regard to capital finance one I had £400 outstanding but as the cleaned out my account I had to change banks I've had a letter a few weeks ago stating I now owe£1500???

As I say I do want to clear my debt just after some advice

Thanks

[BRIGADIER2JCS]

As you are acknowledging the debt do

yourself a income and expenditure sheet

so yo can see what you can realistically

afford.

Then you can make an offer to pay it,

but make sure you pay by standing order

not this a debit card or direct debit.

List ALL priority debts. Rent, utilities, food,

trave cost, council tax, any arrears other

pressing debts total up and compare the

result with your net income, always leave

an extra £10 to £20 for emergencies.

[cerberusalert]

Hi all

 

Ive sent the letter, they keep ringing my partners work place even after they have been told not to.

Who do i report them to?

 

thanks

 

Also make a complaint to East Ayrshire Trading Standards as MH are in breach of OFT guidelines by 'phoning his workplace; [email protected]

[oldagehappens]

I had several postcodes last year and when I called it was McKenzie Hall. The adviser was going on about a £800 debt that I had no knowledge of. It could have been mine but I really didnt remember.

 

He kept going on and on about making a token payment of £25 via their website, What I soon realised was they were trying to reset the clock on SB.

 

I sent them a SB letter saying i do not acnowledge the debt, heard nothing since.

 

Funny thing is theres a search on my credit file last October by McKenzie so Im wondering if they have another?

[BRIGADIER2JCS]

Check again, they may have just been looking to

see what was showing on the entry.

At least they seem to have got the message.