Jump to content


  • Tweets

  • Posts

    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
  • 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

Please help, letter from Macenzie Hall


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6136 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

:( have received a letter from this company saying that they are preparing court papers (CCJ) on behalf of thier client 1st credit. If I do not apply they will send out these papers as above.

 

Have already phoned National Debt line (v helpfull) as the debt is over 6 years old. There have been no payments or contact in this time, witht this creditor. I am about to post a letter I draughted, using the NDL template for "staute barred" debt. Have read the fact sheet and am slightly confused as to what an now happen - the letter is going first thing Monday recorded delivery.

 

Can they no longer collect the debt? Can they go to County court to proceed further? If they have no legal claim, will they just walk away after?? Can they go to County court without sending papers?? Will the court "throw the case out"??

 

Has anyone had a similar experience with this company??

 

Mant thanks in advance of your help guys :(

Link to post
Share on other sites

There are a number of factors involved when deciding whether a debt is statute barred or not.

1] you have paid nothing off the debt for at least six years

2] you have not acknowledged the debt in writing in the past six years

3] no default has been registered against you on that account for the past

six years.

I am assuming there is no ccj already your name on that account since that

would prevent Mackenzie Hall from applying for another ccj.

 

If you have met all those criteria, then the debt is unenforceable even if

you are taken to Court. You will have to be careful though that a default

has not been registered against your name. And the main way of doing that is to get copies of your credit file from all three Credit Reference Agencies-

at a cost of £2 each. [you will need all three companies files since the default

could be on any of them.

If the debt is statute barred then MH should not be pursuing you for the debt.

Send off the statute barred letter pointing out that as they are aware of the age of the debt, any further communication from them to recover said debt will result in a strong complaint to the OFT as to the fitness of MH to hold a Consumer Credit Licence.

  • Haha 1
Link to post
Share on other sites

Just send the statute barred letter off-there is a template one in the forum you can use as it has to be carefully worded to avoid acknowledging the debt

when pointing out it is out of date.

Once MH know that you are aware of the time factor, if they have any sense

they should leave you alone thereafter-but it is a big if..........

Link to post
Share on other sites

Its still a bluff from the Threatomatic computer. MH would have several steps to go through before taking you to Court. They churn out entire rainforests of this stuff all the time. As long as you are 100% sure you have made no payment or written acknowledgement of any debt then send them the statute barred letter anyway. Sit back and await their response. Post it here and we will have a little look over it for you

  • Haha 1

Link to post
Share on other sites

Its still a bluff from the Threatomatic computer. MH would have several steps to go through before taking you to Court. They churn out entire rainforests of this stuff all the time. As long as you are 100% sure you have made no payment or written acknowledgement of any debt then send them the statute barred letter anyway. Sit back and await their response. Post it here and we will have a little look over it for you

I'd like to reiterate this point.

You will be literally be bombarded with Mackenzie Hall letters, none of which come from a human.

One thing I'm not sure of though and maybe someone else can answer is how litigant they are.

Link to post
Share on other sites

I'd like to reiterate this point.

You will be literally be bombarded with Mackenzie Hall letters, none of which come from a human.

One thing I'm not sure of though and maybe someone else can answer is how litigant they are.

They will not have any CCA so although they can Talk the Talk they cant Walk the Walk:D . TS are well aware of these cowboys.

Link to post
Share on other sites

  • 2 weeks later...

many thanks for the advice guys (in conjunction with a handy / concise free factsheet from national debtline). Posted the statute barred letter on the 23rd july and they received this on 24th July (and signed for it). Have not heard a peep out of them since.

 

Is there anything else I should do or not as the debt is unenforceable??

 

Once again many thanks - although I feel lucky that I have the internet and could access the advice of you and NDL. Many others are more vulnerable than me sadly, but have already pointed one person in the direction of this site.

Link to post
Share on other sites

Is there anything else I should do or not as the debt is unenforceable??

 

Currently you don't have to do anything.

 

Many others are more vulnerable than me sadly, but have already pointed one person in the direction of this site.

Well done. The more people we can help the better.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

many thanks for the advice guys (in conjunction with a handy / concise free factsheet from national debtline). Posted the statute barred letter on the 23rd july and they received this on 24th July (and signed for it). Have not heard a peep out of them since.

 

.

Oh dear yet another Statute Barred debt they have failed to con someone into paying. When will they learn. Our Soles

Link to post
Share on other sites

  • 2 weeks later...

Came back from holiday on Saturday to a letter from Macenzie Hall. This is the 1st place I looked for info. Didn't realise they were so prolific!

 

My boyfriend has just contacted them and they claim this is a debt for a Sky box from 1995 and that he should have told Sky his new address when he moved out. My fella explained that he hadn't had Sky since 1997 and that all he had no knowledge of this debt. He also informed the arrogant operator that as the debt was over 6 years old and no effort had been made to contact him, this debt was now statute barred. The operator insisted that the law made no reference to the age of a debt that can be collected! I'll be hunting down the statute barred template tonight and sending it recorded delivery tomorrow! We've had a copy of his credit file from Experian and Equifax but this debt isn't mentioned and there isn't a CCJ recorded for Sky.

 

Many thanks to everyone for your postings.

 

I'll keep you informed.

Link to post
Share on other sites

The statute barred template is here http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html template M.

 

Please start your own thread on this that way you will get a lot more help and your postings won't get lost in this thread.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...