DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

[twix]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

A few years ago muck hall threaten me with 'legal actiion' and I'm still waiting for this to take off...wait and see what they will try next.

And if you still concerned about 'visits', have you got a dictaphone/voice recordable mp3 player? If not you could always get one, bought one for under £20, and record what they say..and then listen to their bigheaded lies!!

If they send someone around it would be merit force and these 'people' (used loosely) like to flash their ID cards as it would grant them access. Happened to me, but the first one was told to **** *** by a neighbour and became sulky but went away..
The second one, called my flat but left and the third one, a teenager wearing a baseball cap, had a lengthy chat with my neighbour over the intercom but wasn't let in..they will try anything!!
All this I have on CCTV tape and it's quite amusing...

[Celestine]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Northampton is the bulk clearing centre for all claims filed online, hence most DCA's use it for issuing proceedings against a debtor.
It's a few clicks of a mouse.......

Info about - County court bulk centre - contact us

[mr.ton]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Northampton seems to be the head office for the DCA industry - i am suspicious as to weather it is an actual court or not?
But anyway - like i say above, a proper court is the only place that can obtain money you (via a proper legal process) no one else.

[Noushki]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Thank you Celestine! I much appreciate your advice. I will send a letter today.

[Celestine]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

DEFAULT ON FIXED SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974.


We have been instructed by MacKenzie Hall Debt Purchases Ltd to consider legal proceedings against you in Northampton County Court for recovery of the full amount outstanding above, together with statutory interest and additional costs. If you wish to avoid Court action then you must pay the full amount within 7 days. There will be no further warning (in bold letters!)

Upon Judgement, enforcement action could be taken against you, whereby the following methods could be considered:
- attachement order on your salary
warrant of execution by the bailiff/sheriff officers instructed to seize your goods from your property
- charging order or bancrupcy may also be considered where applicable.

Your payment must be sent to MacKenzie Hall immediately. If you wish to pay by Debit Card or Credit Card or discuss the matter then you must contact our Litigation Team on 01563 556 544.".

Yes, just trying to scare you, note all words in red!

Shall I respond by letter? No! Or is it one of those scary letters they sent to intimidate me and force me into paying it fully? YES!
Also, what really annoys me is that despite me trying to tell them many times they do not consider is that the balance they are claiming is NOT correct. I have been paying Quick Quid money for few months before they sold the debt, so the balance is much smaller.
Send a Data Protection Act Request to QuickQuid for full details of your account, just in case Mucky Hall push any further.

Read more at: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter - Legal Beagles Consumer Forum

[Noushki]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Thank you. I will see what happens then. It is amazing to have you all here, helps me stay calm and sane

[mr.ton]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Aload of hot air really.
The only place you need to reply to is an actual court - nobody else.
Report these clowns to the OFT & trading standards if they refuse to go away.

[Noushki]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

OMG! I can't believe they would bother my neighbours. That is ridiculous! I am paying off debts (besides the one to Mucky Hall) and it is going well. From July I will have 4 lenders paid off in full, so more money for going out with my boyfriend

They just sent me another letter, here it is:
"DEFAULT ON FIXED SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974.

We write to you for the final time giving you formal notice that Quick Quid has legally assigned the rights to the above debt to MacKenzie Hall Debt Purchases Ltd. This means that MacKenzie Hall Debt Pucrhases Ltd now legally own the debt.

We have been instructed by MacKenzie Hall Debt Purchases Ltd to consider legal proceedings against you in Northampton County Court for recovery of the full amount outstanding above, together with statutory interest and additional costs. If you wish to avoid Court action then you must pay the full amount within 7 days. There will be no further warning (in bold letters!)

Upon Judgement, enforcement action could be taken against you, whereby the following methods could be considered:
- attachement order on your salary
warrant of execution by the bailiff/sheriff officers instructed to seize your goods from your property
- charging order or bancrupcy may also be considered where applicable.

Your payment must be sent to MacKenzie Hall immediately. If you wish to pay by Debit Card or Credit Card or discuss the matter then you must contact our Litigation Team on 01563 556 544.".

Shall I respond by letter? Or is it one of those scary letters they sent to intimidate me and force me into paying it fully?
Also, what really annoys me is that despite me trying to tell them many times they do not consider is that the balance they are claiming is NOT correct. I have been paying Quick Quid money for few months before they sold the debt, so the balance is much smaller.

How is it going to end? Do you think they will agree to some kind of repayment arrangement, or will i have to keep avoiding them for another 6 years? That will completely distroy my credit history.

Noushki

[twix]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Oh I forgot to tell you it's worthwhile to check with any neighbours as muck hall did send a letter to one neighbour of mine asking if I lived in the block, if I was working and if so, who for etc.
It is well known that some DCA's do send letters/contact neighbours asking questions.

[Crispybacon]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

I did do it! I contacted all lenders and all of them (except one that sold my debt to MacKenzie Hall) agreed to the same amount I paid via Baines & Ernst. They were very understanding and didn't cause me any problems.

4 of those debts I will pay off in full at the end of June as I get a little bonus and the balances are really small now, so I am really happy about leaving B&E, those *******s charged me £97 admin fee per month and DID NOTHING! I was still being harrased by lenders and they did not freeze the interest!

£97 a month???!!!!!

This is why CMC are to be avoided. Your creditors have (mainly) agreed to your previous payment plan, and you are now £97 a month better off!

You can now put this towards paying off your debt more quickly, or alternatively, put it towards a contingency/emergency fund so that you never need credit again.

A massive cap off to you for taking things on yourself.

Muck Hall you can deal with like any other creditor.

Best of luck

Crispy

[twix]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

A couple of years ago I dealt with mckenzie hall and they went so far as sending meritforce to my door. But as I live in a block of flats with intercom they couldn't even be bothered to call my flat but my neighbour who didn't let them in. If they turn up just ignore them. I haven't heard from them since then....but who knows??

[Celestine]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

OMG!! £97 per month???

Well at least every penny will now go to pay off your debts xxx

[Noushki]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

I did do it! I contacted all lenders and all of them (except one that sold my debt to MacKenzie Hall) agreed to the same amount I paid via Baines & Ernst. They were very understanding and didn't cause me any problems.

4 of those debts I will pay off in full at the end of June as I get a little bonus and the balances are really small now, so I am really happy about leaving B&E, those *******s charged me £97 admin fee per month and DID NOTHING! I was still being harrased by lenders and they did not freeze the interest!

[Celestine]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Hi Noushki

Hope you're coping OK with the Mackenzie Hall idiots.

Going back to your DMP we talked about, have a read of this new section on managing debts yourself.....really useful and proves why companies like B&E are totally useless, especially when you do a far better job, just don't be anxious...you can do it!


A guide to self managed DMP's - going it alone - Legal Beagles Consumer Forum

[MIKE770]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Thank you guys! I really appreciate your help. I really panicked when I saw their letter and now I am calmer and more confident I can fight those terrible people. I am astonished that people who work for MacKenzie Hall can live with themselves after making those humiliating, rude calls.

I will keep you posted! Take care, Noushki

Well the ordinary person would probably panick (we all have @ some time) due to lack of knowledge, these people thrive on that and make a lot of collections from threats, so in this case as Curly says ignore them.:beagle: