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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • BankFodder
      EVRI have lost parcel £300 model kit

      By BankFodder · Posted

      Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • T911
      G24 anpr PCN - Double Dipping - Wigan Robin Retail Park

      By T911 · Posted

      "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • Strider713
      EVRI have lost parcel £300 model kit

      By Strider713 · Posted

      I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Sorry  Noted x

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      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.

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      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
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Please help, letter from Macenzie Hall

money4nothin 4mercs4 3
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money4nothin 4mercs4 3

money4nothin 4mercs4 3

Posted
Posted

:( 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 :(

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lookinforinfo

lookinforinfo

Posted
Posted

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.

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lookinforinfo

lookinforinfo

Posted
Posted

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..........

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ODC

ODC

Posted
Posted

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

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NitrousOxide

NitrousOxide

Posted
Posted
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.

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ODC

ODC

Posted
Posted
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.

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  • 2 weeks later...
money4nothin 4mercs4 3

money4nothin 4mercs4 3

Posted
  • Author
Posted

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.

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rory32

rory32

Posted
Posted

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.

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ODC

ODC

Posted
Posted
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

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  • 2 weeks later...
wyldekitty

wyldekitty

Posted
Posted

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.

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rory32

rory32

Posted
Posted

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.

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