Jump to content


  • Tweets

  • Posts

    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Still shaking ... Mackenzie Hall - have a committed a criminal offence?


tiglet
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5837 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am no longer welcome on CAG

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

  • Replies 80
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Only the normal - three phone calls where they were abusive, continued phone calls after I'd formally asked them to communicate only in writing, an implication that I had a CCJ despite the fact I've looked at my credit record . Complete refusal to provide a notice of assignment or authorisation OR a Credit Agreement even after I sent them a CCA request. Failure to inform me who owned the debt, and a failure to abide by the Companies Act 2009 in terms of providing the required Stationary information on their email.

 

I knew the correct laws to quote, so they've disappeared off the scene... It'll probably be 1st credits turn next, but they can't do anything without a CCA.

 

I realise its a typo but could you tell me more.

Link to post
Share on other sites

I am no longer welcome on CAG

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

  • 1 month later...

Hi

I have today received a hand posted letter with my name on the front and a scrap of paper saying ring paul on extention xxxxx

 

I called the number and asked what the compay was. they said j2 solutions (alas MH) but would not tell me what it did. The lady was rude and put the phone down. I called back and she keeped asking my name. I didnot give her any details as she would not tell me what she did.

 

I think it was a debt from 1994 that I keep getting accused of.

Not really sure anymore details but dont want them coming to the house again as it is embarising..

 

Any idea what i can do if they come again. can i throw them of my land etc....

 

Cheers

Link to post
Share on other sites

Nice One

 

If he come round again I will knock him out (as long as he is not bigger than me).

 

He will not do it again!!

Link to post
Share on other sites

Just talk to them in the same patronising way they talk to you. Violence isn't the answer. I wouldn't certainly laugh in their faces though, tell them they weren't getting a bean, call them idiots and ask them what the hell they were going to do about it! ROFL

What sort of world do you want your kids to grow up in?

Link to post
Share on other sites

Simple answer. If they call at your house TELL them to leave. They have absolutely NO LEGAL rights to be there. How polite you are is your business. Personally I would tell them to F OFF If they refuse to leave telephone your local police to report a breach of the peace. Remember they have NO rights. Do not even engage in conversation with them.

Link to post
Share on other sites

Or you could just keep telling them to come round in a few days and just keep laughing at them. LOL Surely they would stop coming round after a while. See how many times they come round. We could run an idiot doorstep collector contest. See how many times someone showed up before the penny dropped! If they really are superdumb and you get bored with them just follow ODC's advice. You have to have the stomach for such machinations though.

What sort of world do you want your kids to grow up in?

Link to post
Share on other sites

MH are not the sharpest knives in the drawer. They ar more than likely on a fishing trip. Obviously someone with a similar name or address as your partner so the monkeys have probably sent quite a few of these letters out to see if a sucker responds. Then it will be all threats and bullying. NEVER RING THEM. Your partner can write to them and ask them to prove he/she owes a debt or send them a CCA letter (template N) by recorded delivery enclosing the £1 fee. No matter which course of action he/she intends always write at the top of any letter I DO NOT ACKNOWLEDGE THIS OR ANY DEBT TO YOUR COMPANY. If you start getting phone calls from them set the phone down or promises of Doorstep collectors start your own thread and you will get plenty of help in how to deal with these numpties

Link to post
Share on other sites

We have requested CCA for the t mobile debt and united utilities, we got a letter back from wescot re united utilities saying We can confirm under the terms of the comsumer credit act(exempt agreements) order 1989 article 3(1) (a) this account is not regulated by the consumer credit act and is enforcable.

 

WHAT DOES THIS MEAN?

 

Thanx lorraine

Link to post
Share on other sites

We have requested CCA for the t mobile debt and united utilities, we got a letter back from wescot re united utilities saying We can confirm under the terms of the comsumer credit act(exempt agreements) order 1989 article 3(1) (a) this account is not regulated by the consumer credit act and is enforcable.

 

WHAT DOES THIS MEAN?

 

Thanx lorraine

Wrong thread!!

Link to post
Share on other sites

  • 3 months later...

Hi all. I'm sorry if this is in the wrong thread or has been discussed before.

 

I have a problem with Mckenzie Hall (as it seems we all have).

I owed £800 to halifax cetelem (Dixons). Last year I was contacted by MH that they were taking over the debt (before that it was Lowell contacting me). They said they would accept £500 as a settlement. (I cannot find the letter)

I payed this thinking that would be the end of it. I did ask for a letter saying I had payed, but one was never sent.

 

I have now been contacted by a company called "Hamptons legal" Regarding their client "Lowell portfolio 1 Ltd"

 

They are asking for the rest of the money (300) to be payed and are threatening court action.

 

When I looked at the bottom of the "hamtons legal" letter they are a "Trading Style of Lowell Finacial Ltd". Am I wrong in thinking that Mckenzie Hall is also part of Lowell?

 

I am totally confused by this. Do I pay? Do I take them to court before they take me? Surely if they said they would settle and clear it for 500 then that is it?

 

I have this feeling that I am being swindled. I would pay to get rid of them, but I'm disabled and unable to work, so I cant really afford to pay. Not with three kids to feed too.

 

Any advice on this matter would be greatfully accepted. Please I need your Help.

Link to post
Share on other sites

Hi.

 

MH are not part of Lowells.

 

Write to MH asking that they provide you with a letter proving the settlement of the debt or you will be forced to contact TS & OFT as they haven't passed full information about the status of the debt onto their clients.

 

Write to Hamptons advising the debt is in dispute and the reasons why.

 

Unfortunately, without a letter, it really is your word against theirs so it may prove a bit of an uphill struggle for you.

 

If MH don't comply, i would hit them with a SAR next.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

Mackenzie Hall

30 The Foregate

Kilmarnock

Ayrshire

KA1 1JH

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

Debit card - there will be a record of payment then. When, to whom and for what amount. Check your statements and you haven't got them get onto your bank. There may be a charge - but if you're clever you could claim this back from the greedy debt collector when you ask him for all cvosts incurred unnessecerily.

Link to post
Share on other sites

  • 5 weeks later...

Hi all. Thanks for the replies.

 

I have heard that there is a letter that I should send Mackenzie Hall asking them for proof of payment. But i am not sure what it is called.

I think its something along the lines of proof of release of debt or satisfaction of debt.

Is it one of these or am I totally on the wrong lines?

Link to post
Share on other sites

Hi everyone.

 

A friend of mine has had a letter off MH chasing up an old student loan. As the loan was given (I think) by the government, are they not exempt from their own laws. e.g data protection because in any other case it would have been illegal for the lender to pass personal information to a third party (MH).

 

Please don't quote me on this, it's just what I've heard. Any feedback would be appreciated.:?

WOTCUMSROUND

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...