Mackenzie Hall

[debbie]

Hi every one, Im a newbie here.

I just need some advice to deal with Mack Hall, I got a letter from them August 2011 demanding £226 for an outstanding phone bill or line rental I supposidly had in 2004 or 2006, they coldnt get there story strait in the beginning, then when I spoke to a different muppet they said I took out the contract in 2004 and received a defult in 2006, which I never saw, I didnt move until 2008 and in that time I had received no contact from ANYONE with regard to this matter, until August 2011.
I know there was one contract I had I did run up a large bill which was then paied in FULL but that was it. I did ask Mack Hall to prove I owed this money ie statement of account, contract to which they took 3 months in doing so while calling me every week chasing me for the money, then I received through the post (and this made me laugh) a few a4 sheets of paper with random dates and numbers (not tel) that I could have made up myself!! I called them up telling them that I had seeked legal advice telling them that this was unacceptable as it did not prove I owed them money, so they then sent me the same thing again but on Carphone Warehouse headed paper.

I did tell them in the beginning that if its proven I owe it I'll pay it, did I at that oint drop myself in the pooh. I am sure I dont owe it as I already paied it all that time ago.

[Curlyben]

Re: Mackenzie Hall

Mucky Hall specialise in unenforceable and statute barred debt.
The best advice is to completely IGNORE them as they are as toothless as they come.
Even their threats of home visit (meritforce) or solicitors templates (name escapes me) are laughable.

Responding to them only encourages them further, as you can see..

When dealing with DCA's ONLY ever use Snail Mail.
Provides a great papertrail should the needs arise..

[messimoo]

Re: Mackenzie Hall

send the stat barred letter this shower of doo doos hav,t got a leg to stand on

[debbie]

Re: Mackenzie Hall

Just one thing that is worrying me, if a defult was issued dec 2006 but I have no knowlege of it, would it be stat barred still also the fact that I have known nothing of this since I paied the bill, till I got a phishing letter from them august 11. I am sure its got to be the bill I was abroard at the time and came back to a large bill which I cleared. Its bloody stupid how these companies think people will remember after all this time.

[messimoo]

Re: Mackenzie Hall

it would becomw stat barred dec of this year unless you have made any payments after that date then will remain on the credit file for 6 years after last payment made have you checked your credit file to see if aqny defaults

[Curlyben]

Re: Mackenzie Hall

The Statute Barred clock is NOT based on the default date, but the date of last activity on the account.
So unless they are positively prove that is not the case then they are on a hiding to nothing..

[debbie]

Re: Mackenzie Hall

If I ignore these idiots till dec 2012 and there still harassing me could I then send them the letter reminding them that the "debt" is now SB, could they then still demand payment as they manage to make contact with me befor the 6 years was up? Thats if a defult notice was served dec 2006 like they said in august.

[Curlyben]

Re: Mackenzie Hall

Just send them the letter now, seriously it's not enforceable, but you need the closure on this one.

[debbie]

Re: Mackenzie Hall

Oh really, then they can Bugger off as there was no more payments made long before dec 2006, they told me on the phone that the SB would come into effect 6 yrs after the defult notice, my sister told me that too after I called her telling her what these muppets sent me.

[debbie]

Re: Mackenzie Hall

Thanks for you help on this one, something for me to sort over the wkend. Who the hell do these people think they are? I hope they get the same crap as we do, funny if it were there own colleges that called them demanding money!

[Curlyben]

Re: Mackenzie Hall

This is how the Law is worded.

Section 5. Time limit for actions founded on simple contract

An action founded on simple contract shall not be brought after the expiration
of six years from the date on which the cause of action accrued.

Now the cause of action is the last activity as in payment or acknowledgement in writing, NOT the default notice which can be sent several months afterwards.
Honestly I've had some personal experience with Mucky Hall and they huff and bloww but they are full of bovine excrement..

[Curlyben]

Re: Mackenzie Hall

have a read of this thread: http://www.legalbeagles.info/forums/...hlight=statute

[messimoo]

Re: Mackenzie Hall

totally mucky hall are quite easy to see of as they are one of the lowest of the bottom feeders, stat barred debts unenforcable debts and the rudest ill mannered agents you could ever encounter, thats why you never ever call them if they call again just refuse DPA and put the phone down

[debbie]

Re: Mackenzie Hall

Just been looking through the paper work that I requested from mucky hall proving I owed the money, I just cant make heads nor tails of it, according to the "statement of account" I made the last payment on the 8/12/06, what I dont understand is the amounts are so random, and if I didnt pay a bill they still allowed calls ect, I think I will have to see the cab or a solicitor cause there is just no understanding it. Had I had a scanner I could have put it up on here to see if anyone could understand it.

[teaboy2]

Re: Mackenzie Hall

Don't pay any attention to any statements Mucky Hall sent you, they are most likely fabricated by mucky hall, hence the amateur and inconsistent look. They were chasing me once for a phone contract i never had for 1 of 2 unsolicited phones sent to me despite me saying on the phone i was not interested, so i sold the phones as per my right under distance selling regulations, my mate bought one and a stranger in the pub bought the other. The stranger did not get it unlocked and used the sim card that came with it, so they and the phone company tried telling me as the sim card was entered i had agreed to the contract. I said oh really, funny as contract law says you need an uneqivuical written or verbal communication of acceptence, and a pysical action that could have been committed by anyone of 6 billion people on this planet is not proof i agreed or proof that i myself entered the sim card.

I then checked the statement they gave me against my bank account statements from that period, guess what, no payments of the amounts on their statement were made. And another thing, the last token payment was £4 then the day after that their was a direct debit for about £30, but the dates don't make sense as the deirct debit was date was a bank holiday.

So ignore all statements mucky hall send you. Instead if you know who the original creditor is, call them and ask why it is they have set debt collectors on you for a debt you had paid in full. If they turn round and say its early termination fees, qoute the OFT V Ashbourne Mangement services case law which makes early termination fees on contracts longer than 12 months with no option to cancel unfair and likely unlawful. Then tell them you deem the DCA actions as a breach of the protection from harassment act 1997 and communications act 2003 regarding malicious communictations and possibly a breach os section 21 theft act 1968 (blackmail), for which the original creditor is ultimately liable for the actions of third parties.

If the original creditor says no debt is owed, then ask for them to send you that in writing so you may forward a copy of their letter to the DCA.