Mackenzie hall

[izzi]

What a great site this is! Like all the others I typed in the above in google and found this.

 

Wonder if anyone can help me?

I have a debt to RBS for a CC which I have been paying a company called Connaught £30pm by S/O since may 04, I missed a payment in June 06 but have since made 4 payments (which have never been returned) Also I have moved in the past year. MacKenzie Hall wrote to me at my previous previous address, I realised by the little information on the letter that this was the same debt, as I write down every month when I have made a payment and the amount was the same as it would of been in June!

I did ring them as I wanted to sort it out (wish i had been on here first though) I did not tell them where I am now living, they asked if I used to live at the said address! I asked if this debt used to be with Connaught the horrible man I spoke to said he didnt know just that they had bought the debt and they wanted their money.

The letter states that the debt is for 846.72 but would accept as a gesture of goodwill a reduced settlement payment of 677.38.

As i said previously 4 S/O have been taken from my bank and the debt is actually 756.72. I tried explaining this to the horrible little man but he was not listening siad that when I shouted he holds the phone away from his ear and will not listen to what I am saying, yes I admit I was raising my voice but not shouting, only out of frustration that he did not listen to me. Eventuallly I got upset out of frustration especially, when he said 'I am trying to help you'! and that I had to borrow the money from my family or friends or bank, that they wanted it paid, he then changed thread and asked me how much I could raise because I had to show willing! told me to stop being upset etc etc He was really not very nice.

I asked him how he was trying to help me by threatning me, and how else could I show willing other than the fact that I have paid back £30pm for the last 29 months and have missed one payment and since that payment 4 of my payments had been accepted! Which someone correct me if I am wrong but doesnt that mean that I have an agreement with them - even if accepted by default? These payments are being paid into the orignial acc given to me by connaught.

Can anyone advise me in what my next move should be, they do not call me on the phone as they do not have my no. I would like to write to them but would like some pointers as to what to say.

Thank you

[nona]

hi izzi,

i sympathise! The best thingto do is have a good read on the debt and bailiffs forum, and the legalities forum on this site. If you post on the debt forum somewill help you who knows more about dealing with DCA's. I can tell you not to acknowledge any debt to them. And don't deal with them by phone. Demand everything in writing.

Good luck

Nona