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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
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mackenzie hall - again...


Lizlewin
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I received a letter from mackenzie hall today - basically saying they are attempting to contact this person (me) and asking me to ring them. It doesn't specify what it's in connection with. It's possible I have some outstanding debt (I've been bad in the past at remembering to pay bills) but certainly nothing that clearly springs to mind.

 

Reading through previous posts on mackenzie hall I can't quite decide whether I would be better off ignoring it all together - or whether I should write to them saying yes this is me - can you send me details of what this is in connection with (in case there is a true debt there). Please advise... I gather ringing them is a bad idea. I did in fact try, but couldn't get through, then thought I might just check them out as I didn't particularly like the tone of the letter - so glad i found this site...

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Do not call them, they will make your life hell if you do!

 

If they have something to say then let them write to you and spell it out. Until then ignore this excuse of a company. If they do write to you then you can deal with the matter but not before then.

 

And don't call them, got that?

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Hi Liz,

I personally wouldnt try ringing them, wait till they write to you and take it from there would be my advice. It appears this may be a fishing expedition not unlike the calls I have been getting from another DCA

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

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Hi nailpost, sorry about that I must have been typing while you posted :-D but my sentiments exactly

  • Confused 1

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

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After having heard nothing from the toerags otherwise known as Mackenzie Hall since 6th August (red postcard, which was treated with the contempt it deserved..ignored and burnt) I thought I might actually have been blessed with the good fortune of never hearing from them again.

 

No such luck...they telephoned my home number this afternoon and my wife (who takes no BS from anyone) answered.

 

Firstly after asking to speak to me, she asked who they were and what they wanted...they claimed they were my bank and as to what it was about...they couldnt say as they'd be in breach of the Data Protection Act if they told her. She promptly put the phone down.

 

2 minutes later they call back...asking for me again (I was out with my 3 year old daughter at this time)..the moron at the other end says he is from Mackenzie Hall and DEMANDS to speak to me very rudely...my better half gets seriously p'd off at this tosser's attitude and slams the phone down then gets BT to block their number. Now they'll have to write to me when I (and my solicitor) can tear them to shreds!

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Trust me Ozzy there is no way on this planet that I am going to add to my phone bill by calling those toerags.

 

I await their next move with keen anticipation...and will keep everyone up to date with developments.

 

They don't frighten me one iota.

 

Anyone from Mackenzie Hall reading this.....BRING IT ON YOU SCUMBAGS!:mad:

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Here is the latest update.

 

The following "love-note" came from those delightful specimens of pond life this morning.

 

FINAL NOTICE

We have been instructed by Cabot Financial to recover this Overdue Account, in the sum of £365.97 on their behalf.

 

Our clients have informed us that they are unaware of any legitimate reason for non-payment of their account and although they would prefer an amicable settlement, they will not hesitate to take such further action as may be appropriate.

 

We trust this action will not be necessary and would request that you send your payment within 7 days, via the enclosed business reply envelope.

 

BLAH Blah Blah.....

 

 

I have already fired off CCA letters to both Scumkenzie Hall and their partners in slime Cabot by recorded mail.

 

I'll be damned if I am going to part with one penny to these shysters when the alleged debt is well over 6 years old and having received NO communications whatsoever about this debt from either of these so called "companies" in all that time, apart from the red postcard in early August.

 

The best of it was, the "enclosed business envelope" did not exist!

 

They can go fookin whistle...next step my solicitor gets involved..:mad:

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Hi all

I've had a few letters from Mackenzie Hall myself and also from Cobot who stopped writing after a year or so, these companies are both chasing the same debt, a pair of credit cards from, get ready.... 1993, both were defaulted on when I lost my business and went through a rough patch some 13years ago. I had heard nothing until about 2 years ago when Cobot sent 2 letters about 10 days before Christmas to my mothers house (my old address) I asked her to open them while I was on the phone and she was not best chuffed I can tell you. One was for £2200 and the other about £2500, when the cards were defaulted in 1993 they stood at about £800 between to TWO of them.

 

I did nothing did not ring them did not write, nothing. Anyway been reading a bit on here and another site re: debt removal, cleaning up your credit history etc... and I started to look into this statute barred thing. I am as we speak preparing the letters now to send in the morning as I have waited for almost 2 years for these b*&^&rds to give up but it looks like this may be the only option.

 

I'm not 100% sure that contacting them is the best thing to do so if you have already done this (statute thing) then please let me know.

 

Thanks

James

 

PS They have also put 4 TRACE markers on my Equifax Credit report that cannot be removed (apparently).

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enigmaworld, start your own thread, keeps things easy to follow. :)

 

In short, if they are still contacting you and you haven't paid or otherwise acknowledged the debt go for the same letter. As for the markers, they should be removed after 6 years, like everything else.

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