Mackenzie Hall/Lowell

[elsa1-4]

I had debt and a bad husband hid from both and divorced the latter it is now 7 and a half years later and the following letter arrived.

 

my name and address

15th november 2006

 

 

reference: blah

pursuers: The Lowell Group

principal sum: £7167.69

 

 

 

This letter is sent by the way of an introduction to Mackenzie Hall limited, who have been instructed by the Lowell Group, being the owner of the above account , to pursue you for payment in full.

 

This communication is an attempt to collect the payment in full without the need for further action.

 

Our client's records show that you are contractually responsible for payment of all monies due.

 

The agreement, dated and regulated under the terms of the Consumer Credit Act 1974 went into default and subsequently charged off by the original .

 

as a result of that default, the total balance outstanding at today's date amounts to £7167.69 inclusive of all interest accrued in accordannce with the terms of the agreement.

 

Accordingly The Lowell Group, as the legal owner of the balance due, is entitled to immediate payment of that amout from you. Your paument must be made payable to Mackenzie Hall and sent immediatly to:

 

Mackenzie Hall Ltd

2nd Floor

30 the foregate

Kilmarnock

Ka1 1Lu

 

quoting reference no blah blah

 

If you dispute the validity of all or any part of this debt, you must notify Mackenzie Hall in writing, providing full details of the reason for your dispute. within 7 days from the date of this letter.

 

should you wish to discuss payment, please telephone the number enclosed between the hours of 08.30hrs and 19.30hrs Monday to friday and 09.00hrs and 12.00hrs Saterdays.

 

If we do not hear from you within 7 days, further action will be taken in respect of the full outstanding balance.

 

Foolishly i panicked rang and quoted ref saying i had letter passed to me right name and date of birth but i had never lived at the previous address and area they quoted (though i had) and they had the wrong person. they said they would get there accounts to check. And now im living on my nerves.

 

it has now been 7 and a half years and i am told that after 6 years it is written off so it seems someone is trying to scare me into paying it.

can anyone help!

 

 

 

[tbern123]

You got it in one, they are trying to scare you...

 

I have to admit, that it a pretty tame letter from these people... I think it is just a fishing letter to see if you are unaware of your rights and pay them some money...

 

If it is more then six years since a payment was made then the debt is statued barred...

 

If you don't hear from them again all well and good. If they contact you again deny the debt and send them a cca request letter

[elsa1-4]

whats a cca letter ? and if its too late for them to act cant i just tell them to bog off ?

[gizmo111]

When did you last make a payment on this debt or acknowledge it in writing? Was it a joint account and if so is there any chance that the other party may have made a payment in the interim/

A debt does not get written off after 6 years you still owe it - it is justthey cannot do anything to enforce it providing there has been no CCJ issued.

[elsa1-4]

how do i find out if a ccj was issued against me

[gizmo111]

how do i find out if a ccj was issued against me

 

RTL Home

[StatuteBarred]

Are Mackenzie Hall in any way related to Lowell Group, Lowell Portfolio I, Lowell Portfolio II, Red Debt Collection Services, Hampton Legal et al?

[azessexuk]

i belive they are the same as i have been contacted by "lowell portfolio" they are the same as lowell group and they have been on watchdog as a [problem] red are the same company lowell as i got a "automated" reply for a email and it has lowell group down the bottom of the email i would ignore anymore of them as they are complete [problem] artists

[RobMitch]

This is a fishing epedition. If a CCJ was awarded the tone would be different. The ONLY way to deal with Mackhall is ignore - they specialize in purchasing Stat barred debt and rely on folks ingnorance to pay up.

 

Enter absolutely no communication with these idiots.

 

As folks have said here, if you have entered no written acknowledgement or made a payment in 6 years its stat barred. The fact its Mack means its almost guaranteed unenforceable.

 

Had 4 similar in the last year and they all came in useful one night when I ran out of loo paper

 

Rob

[RobMitch]

is it me or has everyone else noticed the words Statute Barred, Lowell and Mackenzie Hall and unenforeceable are almost always found in the same sentence

[azessexuk]

hi all well yea it seems that way now i decided to contact "lowell" by email and they havent bothered to respond but i have got a letter today which makes me think they are even more dodgey they are asking me to "bid" to buy my account back and if i wont do that then i have to pay £35 a month but i dont even know what the hell the debt is ive never heard of the companies they are trying to claim for 1st credit or summit well i checked them out and they do loans n stuff but ive never had a loan so why should i "bid" for a account if i dont know what the hell it is?

 

also they expect me to fill in loads of detaiils including a dd setup i dont think so!!!

any opinions please

[RobMitch]

File under "I" for Ignore. If you're bothered by the letters send the Credit Agreement request letter in the templates section, stating that you do not acknowledge the debt and you have no idea why they are sending you demands for money. Whether its MacHall or Lowells, neither can normally produce agreements and neither rarely have the weight to follow through.

 

It is ultimately up to them to show you personally owe the money, and that they have a right to claim it from you. You can of couse challenge and defend this in court if it ever got that far (very unlikely), but it is best to help them come to the realisation that they would be unable to bring any successful action against you. The CCA request is the first step in doing this.

 

Oh and remember NEVER sign anything to a DCA, it takes seconds for them to scan and paste your signature onto a blank agreement.

 

Good Luck

 

Rob

Edited September 30, 2008 by RobMitch

[azessexuk]

thanks for that rob i will do that i will write to them and ask for the cca as i aint got a clue wat it is so i dont even know why they are sending me especially never heard or "bidding" for a account what a load of rubbish