If you wanna see the crumbling castle that is Mac Hall's kilmarnock nerve centre let me know, and i will post a couple of images, the building is an eyesore.

The courts in scotland are starting to stop people claiming twice on he same account by splitting claims, as it is an abuse of the system. You would be better going down the Summary Cause route and do the whole lot at once. There is a scottish section on the site which will give you all the info you need, read up on past posts and get a good idea of what you need to do.

Hi people Having another fight with sky ! I was on a free upgrade for three months to sky world, which ended on 1st March, i contacted them on Feb 20th and changed down to a cheaper package at £15 per month, the next day a bill pops through my letterbox for £51 for sky world for March. I phoned them to query it and they said they would send a new bill for £15 as i have changed package, fine i thought. My billing day is 1st march, but as i dont get paid till tuesday then i am leaving it till then before i call up and pay the £15. Today (2nd March) i have received 4 phone calls from them all from different people demanding i pay £51 immediately or my viewing will be blocked. I tell them i dont owe £51 i only owe £15 for march's viewing but they aint interested, they say i have to pay that bill and the difference will be applied as a credit. Where do i stand legally as i only owe £15 for this month and they have admitted that, but claim the sytem wont allow me to pay less than £51. I really cannot afford £51 to them this week and am loathe to pay it just for it to be applied as a credit on my account. I have also told them that any further calls will be deemed as harrasment. Any help appreciated, am i now soo glad i dont give them unfettered access to my bank account, i think this is the reson for the numerous calls somehow. I am also disputing the invoice charge of £4 per month as i have only received statements.

It's also through people naming these DCAS on here that a lot of new users find out about this site too. Just do a google search for Capquest or Mackenzie Hall and you will see what i mean, thats exactly how i found this site.

Also send them this as well, they aint phoned you yet, but they might get hold of a number from somewhere, so pre-empt that by sending this. Mackenzie Hall 30 The Foregate Kilmarnock, Ayrshire, KA1 1LU Re: Harassment by telephone ACCOUNT NUMBER: XXXXXXX Dear Sirs I am writing in relation to telephone calls that I may receive your company, which I will deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary) I require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**) Yours faithfully, [NAME HERE]

Send them this (AND REMEMBER DO NOT EVER CONTACT THEM BY PHONE OR GIVE THEM PHONE NUMBERS) Mackenzie Hall 30 The Foregate Kilmarnock, Ayrshire, KA1 1LU Dear Sir/Madam Re:− Account/Reference Number I do not acknowledge any debt to your company, or any other company whom you claim to represent and confirm that no payments will be forthcoming until your full compliance with this request. With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. We understand a copy of our credit agreement should be supplied within 12 working days. We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully Mr A N Other Send them the pound as a Postal Order NOT a Cheque. After you post this by RECORDED DELIVERY they have 14 days to comply then the debt becomes unenforceable, if they then come up with the agreement they will have to goto court to enforce it and explain themselevs and risk a fine. And even then you may find it was statute barred anyway

If you unsure of the age of the debt, then i wouldnt send them that letter at the mo, but keep hold of it you may remember later and then you can fire it off to them. In the meantime, send them this (AND REMEMBER DO NOT EVER CONTACT THEM BY PHONE OR GIVE THEM PHONE NUMBERS) Mackenzie Hall 30 The Foregate Kilmarnock, Ayrshire, KA1 1LU Dear Sir/Madam Re:− Account/Reference Number I do not acknowledge any debt to your company, and confirm that no payments will be forthcoming until compliance with this request. With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. We understand a copy of our credit agreement should be supplied within 12 working days. We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully Mr A N Other After you post this by RECORDED DELIVERY they have 14 days to comply then the debt becomes unenforceable, if they then come up with the agreement they will have to goto court to enforce it and explain themselevs and risk a fine. And even then you may find it was statute barred anyway

No do not call Mackenzie Hall, they are not to be telephoned under any circumstances, unless you wish to be verbally abused and shouted at from them. If as you say the debt is as old as it is, then it is clearly statute barred and unenforceable, Mac Hall are well known for chasing these kinds of debts as they are basically worthless, so it costs next to nowt for them to buy them. Personally, I would keep the letter in a safe place but do not reply to it, no matter how tempting. Do not confirm anything with them either in writing or on the phone. If they keep giving you hassle, come back here for more advice

Nothing i have said before in my post above, has not been said numerous times by people other than myself as well on these forums. But no problem, advice heeded, and i will re-word certain items, but in all fairness i think that people should know the type of company this is and what they are dealing with, and what to expect.

1. Mac Hall are full of nothing but puff an bluster, and are well known for talking a load of old tosh. [edited], and their employees are around the 21 age max. I have been inside the belly of the beast and it aint very professional. 2. They nearly always try and get people to pay for very old statute barred debts. That they know are unenforceable !! 3. Do not confirm to them if you have lived at any other address other than the one you are at now. Thats for them to prove, not you. 4. Send them the telephone harassment letter clicky 5. If you think you do owe this debt and its recent (within the last 6 years) send them a CCA request clicky Template Letter N. 6. Under no circumstances deal with this bunch of [edited] by telephone. If they do phoneer mind them of the harrassment letter you have sent and ask them to hold a second while you start recording the call, they will quickly get the message. Everything you post to them MUST be sent RECORDED DELIVERY. But, most importantly DO NOT send them a bloody penny until they have complied with the CCA Request in full, if they don't then the debt IS unenforceable, and all claims about court are more puff and bluster, let them scream bloody murder, sit back and relax. If they claim to have bought the debt then i don't know (someone else may confirm) it might be worth sending a SAR to them, as they most probably won't comply with either, which will put them in an ever bigger hole. Also keep an eye on your credit file, as they may try to blacken it, but you can get them if they do that too. I am sure someone else will be along soon though with more advice

Sent RBOS my LBA on the 15th Feb. Yesterday i received a letter saying .... Thank you for your letter dated XXXX regarding charges applied to your account. We are currently considering your claim and will respond as soon as possible. Should i wait or should i continue and file at the court as intended ?? thanks

That £38 will help pay for the big shiny sign that Mac Hall have just put up on their crumblin 70s office building which is due to be demolished at some point in the next year.

Update.... Getting sick and tired of these censored clowns now. Got another letter through in response to my letter to them asking for a copy of this report (which i know does not exist). They want me to pay them £10.00 in respect of admin charges, AND supply them with a copy of my drivers licence or passport. They are going to put the account on hold until 22 feb 07 whilst i compile this information, then it will be passed to their collection dept.

No they just asked for a copy of the death certificate as proof of death, and that was it.

Don't know if this helps any, but when my grandpa died last year, it turned out he was upto his eyes in debt with people like Kwik-Fit Readers Digest Kays Sky etc etc We contatced these companies to inform them of his passing they said no problem, basically all we need is a copy of the death certificate, we sent them this and they replied saying the accounts have been closed and we would not be hearing from them again. That was coming upto a year ago now, and everything is still ticketey-boo.