Mackenzie Hall/Colemans Solicitors

[bluebottle]

Re: Mackenzie Hall/Colemans Solicitors

I shall not comment on their legality, but they do employ three solicitors.

At least one of those might have once read the Consumer Credit Act 1974.

See attached file.

Thanks for that, CC. HL Legal would need to be registered with the SRA, under the Legal Services Act 2007, due to them handling Civil Litigation, which is a "reserved activity" under the Act. The problem with solicitors who act for bottom-feeders like Mucky is that they are familiar with Commercial Law, but not so with Criminal Law, which, having seen some of the strokes DCAs pull in their desperation for money, is something these law firms need to swot up on. The consequences for a legal practice that is found to have assisted or colluded with an offender in the commission of an offence under the Criminal Law can be serious. To the likes of HL Legal, having Mucky as a client may be "business" to them, but are the risks worth it? That is the question.

[CD36]

Re: Mackenzie Hall/Colemans Solicitors

The letter provides their SRA details at the bottom, and I believe they operate mainly in the field of collections so I'm sure they're aware of MH's reputation. I'm not qualified to say if MH have/haven't committed any criminal offences in my case, and fortunately their contact has been by letter as they don't have my landline.

[bluebottle]

Re: Mackenzie Hall/Colemans Solicitors

The letter provides their SRA details at the bottom, and I believe they operate mainly in the field of collections so I'm sure they're aware of MH's reputation. I'm not qualified to say if MH have/haven't committed any criminal offences in my case, and fortunately their contact has been by letter as they don't have my landline.

Speaking as a retired policeman, you would be surprised just how easy it is to wander onto the legal minefield marked "Criminal Law". My gut-feeling is that DCAs, like Mucky, know they are breaking the law, but hope you don't. If those they target did know a DCA was in breach of the Criminal Law, Mucky and its mates would have been out of business long ago. It is through forums like LB that people find out just how corrupt the world of finance and debt collection really is.

[MaryBurns]

Re: Mackenzie Hall/Colemans Solicitors

I think it was in one of their threatograms - not that it would concern me.

How can we say its threatograms,can you elaborate it ???

[CD36]

Re: Mackenzie Hall/Colemans Solicitors

A threatogram is a template letter from a DCA. It's often made to look like a formal legal letter, and designed to to frighten payment from the uninitiated. Lots of empty threats of what may, could, might happen if you don't pay. A visit to your house is one of their particular favourites.

[bluebottle]

Re: Mackenzie Hall/Colemans Solicitors

A lot of the threats they make are, more often than not, without foundation and unwarranted. In some cases, the DCA can have not right in law to make any sort of demand and the use of threats to enforce such demands takes them onto the legal minefield eluded to in my previous post. In such cases, a DCA runs a risk of having their legs blown off, in the legal sense.

[CD36]

Re: Mackenzie Hall/Colemans Solicitors

They've now started texting me. Not sure why they would do that after they sent an LBA, as I doubt many would respond.

[dogtired]

Re: Mackenzie Hall/Colemans Solicitors

Report texts as spam!

[CD36]

Re: Mackenzie Hall/Colemans Solicitors

Good idea!

[bluebottle]

Re: Mackenzie Hall/Colemans Solicitors

Report texts as spam!

And save as evidence of harassment and breaches of the Communications Act 2003.

[CD36]

Re: Mackenzie Hall/Colemans Solicitors

So what's the general consensus re MH now the LBA has expired. Are they likely to sue, and if not what do they do next, just continue with letters, calls etc?

[MIKE770]

Re: Mackenzie Hall/Colemans Solicitors

al.
Redditch-based HL Legal Solicitors (HL) acquired all of the client business and assets of Incasso shortly after the appointment of accountancy firm KPMG as administrators.

from credit to-day!

[MIKE770]

Re: Mackenzie Hall/Colemans Solicitors

HL Legal & Collections is a firm of Solicitors whose roots go back over 30 years. We specialise in debt collection, credit control and related litigation for both business and consumer debt. The firm aims to blend the services of a Solicitors practice with those of a debt collection agency and to offer clients a modern, efficient and cost effective way to recover overdue accounts. Should you have any queries or require further information then please click on the link below: Contact us HL legal & Collections Solicitors also practices as HL Legal and HL Credit ControlVat No: 294585215 Service provided by Solictors of England and Wales whose rules can be accessed at: Code of conduct Authorised and regulated by the Solicitors Regulation Authority.

[CD36]

Re: Mackenzie Hall/Colemans Solicitors

So what's the general consensus re MH now the LBA has expired. Are they likely to sue, and if not what do they do next, just continue with letters, calls etc?

Any thoughts anyone?

[FlamingParrot]

Re: Mackenzie Hall/Colemans Solicitors

As the LBA 14 days has already expired, I'll wait and see what they do next. If they do sue, I guess I request a CCA, NOA (I don't trust the one they sent when they took over the account) and DN via CPR?I'd still be interested to hear if anyone has ever actually been taken to court by them.

If you haven't sent a CCA request it's never too early to do that, it's always wiser to send a s.77-79 request BEFORE thy sue you rather than after! With regards to the DN, they will often tell you they don't keep copies and if they sent you one, they could use the opportunity to rectify a bad DN, that's why you should keep your own.