Mackenzie Hall offering discount on QQ debt - help

[fkofilee]

The landscape for PDL is changing. The government and the FSA / New FSA are starting to decide more in the favour of Consumers.

 

I agree with everything in the thread and Mucky Hall dont deserve a penny.

Discounted Debt? Something wrong... I Smell Fish ^__^

[mr_mastiff]

Deepinthedoo. I could not find a template for your problem. So I had a go myself, I hope it works.

 

For The Attention of The Compliance Manager

Mackenzie Hall

 

Ref: as on their letters/e-mails.

 

Please take note that I wrote a letter on ...date... stating that I would only deal with

the above matter in writing and not by phone. Since you received that letter Mackenzie

hall have continued to harass me by phone. I have complained to my local trading

standards again about this matter.

Your company’s actions are a clear breach of OFT guidelines. I must insist that all

Contact must be made in writing and sent by Royal Mail, (proof of posting is not

Accepted as proof of delivery).

 

 

NO agent, representative of Mackenzie is granted permission to phone or contact me in

Anyway except in writing. If you continue to contact me by phone I will also make a formal complaint to the police that you have ignored my letters and that your actions are to be regarded as criminal harassment.

 

I will not discuss financial matters over the phone.

 

For Clarity I am fully aware of the OFT Guidance and the sections regarding the conduct of debt collection agencies and i will make a complaint to the Oft if your actions do not cease with immediate effect.

 

your name etc

Edited August 13, 2013 by mr_mastiff
missed word

[filrobbo]

Nice

[deepinthedoo]

thank you very much sir what a helpful site

 

will send that with my other request tommorow and update this thread when i hear anything

 

thanks again

[mr_mastiff]

One day you may well be the person giving the advice. What goes round comes round good luck!

[filrobbo]

Yes all the best

[mr_mastiff]

Deepinthedoo, I had a think about your first statement in this tread. I think that you should treat their full and Final settlement offer with great care. If you look around the various threads on the subject you often find that what they promise and what they do, are two different things. Many people after paying the full and final offer have checked their CRA files only to find that the debt as not been removed but the debt as been reduced by the amount they have given. In some cases the debt as then been taken over by another DCA and the problems that they believed had been settled have started again.

Edited August 13, 2013 by mr_mastiff
missing word

[filrobbo]

Yes this as happed to me, but I had the full and final settlement letter paid in full and sent it to bDCA that was chasing me if fact I think it happed twice on same debt.

[deepinthedoo]

thanks both

 

it has all changed this morning received a letter from HL LEGAL SOLICITORS

 

Headlined

 

LETTER BEFORE ACTION

 

If i fail to respond within 14 days there client (m hall) MAY proceed court action

 

 

If its intention to scare me it has worked

 

No idea what to do now

[sillygirl1]

East Ayrshire Trading Standards is your next place to call, they have a huge file on Mucky Hall and HL Illegal as we know them...

 

Tell East Ayrshire what Mucky Hall have been doing and sit back and relax, they are the ones who should be scared now you have got some help.

[filrobbo]

It's says it all may take court action it's there may knot will

[renegadeimp]

As Sillygirl said, get in touch with their local trading standards. Instead of 8 weeks to rectify a complaint as the FOS says, their trading standards gives then 5 DAYS before they come down hard on them.

 

Don't put it off, dont say you will do it later. It takes 5 mins to get a complaint in.

[deepinthedoo]

thanks for further replies

 

how do i complain to trading standards and roughly what format do i need?

[renegadeimp]

Just look up their local trading standards and give them a ring. Hopefully you'll be put through to Sam (not sure of his last name), who is the main person dealing with Mucky Hall.

[filrobbo]

They need shutting down all DCA need closing down over the last 5 years its the biggest growing industry racking in millions of pounds for its owners

[deepinthedoo]

sounds pitiful but im not brave enough to ring to discuss it even with somebody not involved

 

can i email?

 

thanks again for all help

[renegadeimp]

Yep. You can.

[renegadeimp]

http://www.east-ayrshire.gov.uk/BusinessAndTrade/TradingStandards/TradingStandards.aspx

[deepinthedoo]

email sent

[Horsen]

Hi Deep, If you do send for your CCA with the one pound PO make sure you state on it that it is for CCA only, otherwise they might just take it as a payment off your account. I also list it as an enclosed document stating the serial number and for CCA use only. Being even more anal I take photographs of the PO and letter and then staple the PO to the letter. I got fed up of requests being returned saying PO not enclosed which delayed the outcome.

[deepinthedoo]

to late sent thanks for help anyway

Edited August 14, 2013 by deepinthedoo

[mr_mastiff]

Deepinthedoo Hold firm mate the letter is one more trick that these B@@@@@@@s use to try and intimidate you. You have been given good advice. Follow it and you will be O.K any more worries just let us know. If they cannot produce a valid CCA then their talk of court action is just talk. Wait until you get the letter back from their compliance officer if he does not

reply to you then its time to go to the OFT mate.

Edited August 14, 2013 by mr_mastiff

[deepinthedoo]

thanks mr mastiff

 

again

[deepinthedoo]

Reply to my email

 

Hi Mr sxxxxxxxx

 

 

In the first instance you should contact the company's Head of Compliance who will undertake an investigation concerning the issues you raise. You should include as much detail as possible to allow an investigation such as your name, address, D.O.B. etc and the reference number provided by Mackenzie Hall. If you do no receive a response within 10 working days please get back in touch with myself and I will progress your complaint on your behalf.

 

Christine Murray can be contacted at the following email address: cmurray@mackenziehall.co.uk

 

Kind regards.

 

Sam

[renegadeimp]

Follow his instructions. Same is the guy who deals with mucky hall.