Don't get involved in conversations with Mackenzie Hall. Write to them and say you will only deal with them in writing. Ask them to remove your telephone number from their database, which they are obliged to do under Data protection regulations. Ask them for a copy of deed of assignment (ie proof of their right to collect). We did this just over a month ago (thanks to advice from this forum) having suffered verbal abuse, Mr Kennedy demanding money with menaces, constant telephone calls and official looking letters. So far all has gone quiet. Have we won or is this the lull before the storm? Don't really think the latter. Mack Hall tried to get a warrant based on an old court judgement and whilst they charged us for the priviledge, the application was rejected by the local court (it pays to check).
We have done the 'I am familiar with the terms of Section 40 of the Administration of Justice Act etc' and in response in one call from Mr Kennedy he assured me that Mack Hall did everything they could to conform to the letters of the law. Yet only the week before in a telephone conversation (before I joined the forum and got wise) he had foul mouthed me and my husband saying that people like us were 'the **** of the earth'; that if we involved third parties in our dispute we would end up with egg on our faces, that he would personally add extra charges and interest to the account and make it impossible for us to ever repay the debt unless we paid £XXX. We did make one payment and then Mack Hall are saying they never received it (cash payment to Royal Bank of Scotland to their account, paying in slip retained).
Don't be intimidated by this company. They are bully boys (and girls).