How to Handle Mackenzie Hall Debt Collectors Effortlessly
Debt collectors are often aggressive towards people who owe debts. Did you know you can stop harassment from debt collectors like ? This harassment goes against your consumer rights, and you can protect yourself. Most consumers in the UK are ignorant about their consumer rights, and an AI-powered app like DoNotPay can help fight against debt collector harassment.
Who Is 01563 556429, and Why Are They Contacting Me?
Calls from 01563 556429 are from . If the company calls you, you probably owe money, and they bought your account at a discounted rate. You may not know the company because you owed money to a different creditor. Mackenzie Hall is a debt collection agency for different companies and follows up with their customers for payment.
The company may call you for three reasons:
- To Collect on the Debt
Mackenzie will call you, hoping they will get you to pay the entire amount via credit or debit card. You can negotiate and ask to pay in instalments.
- To Gather Details
Debt collectors send automated letters too many different people bearing similar names. They identify who owes them and start collecting by making a phone call to find out how much you earn, your expenses, and if you own valuables.
- To Intimidate You
Sometimes Mackenzie may call to intimidate you into paying your debt. A debt collector has no right to enter your home and collect items. However, most people do not know this and get intimidated.
Mackenzie may make endless annoying calls, asking you to pay the debt you owe. When the debt collectors make that initial call, you must ask them to prove you owe them money by putting it in writing in a "Prove the debt" letter. Not responding to Mackenzie does not mean the problem will go away.
The debt collection agency will keep following up on whether you have a debt with them. Sometimes it could be a case of mistaken identity or debt you paid but did not reflect on the creditor's send. Contact Mackenzie to avoid hurting your credit score or getting sued.
Mackenzie Hall Debt Collectors Contact Details
The PRA Group bought Mackenzie Hall in 2012, so any communication is via the PRA Group. For clarifications or inquiries, you can contact Mackenzie Hall via different methods.
0808 196 5550
|Address||PRA Group, 2 The Cross, Kilmarnock, Scotland, KA1 1LR|
Is Mackenzie Hall a Scam?
Mackenzie Hall is a legit and duly registered debt collection agency. Call the original creditor if you acknowledge you have an unpaid debt but aren't sure about its legitimacy. You can also ask Mackenzie for their physical address, phone, and operating licence number.
Is Mackenzie Violating Your Rights?
Mackenzie must follow the rules set out by the Financial Conduct Authority (FCA). If Mackenzie flouts these rules, you can turn the tables and use them instead. Some of the FCA rules state that debt collectors should desist from:
- Making phone calls at night or at unreasonable times
- Writing you letters purporting to be from a court
- Using confusing language
- Discussing your debt with anyone other than the one you appoint
- Calling you when the debt is already in dispute
What Happens if I Don't Pay My Debt?
You must pay your debt; otherwise, you will ruin your credit. Bad credit means you cannot get a loan or credit card in the future. You can demand a "Prove it "letter when Mackenzie Hall calls you. Once they send the Prove it letter, you need to respond within seven days.
Otherwise, they can sue you.
After a court judgement, you need to pay within 28 days, and then enforce the judgement. After judgement, the debt collectors accompany court bailiffs and recover items that equal your debt's value. You can contact Mackenzie and ask for some time or formulate a payment plan. Mackenzie can apply in court for a charging order which attaches your earnings for some time until the debit clears.
Alternative Ways to Resolve Issues With Mackenzie Hall
If you and Mackenzie hit a snag on the debt issue, you have several ways you can solve the dispute:
- Alternative Dispute Resolution (ADR) Schemes with the FCA (Financial Conduct Authority).
ADR allows consumers and traders to resolve disputes without court cases. The debt collectors must follow the FCA guidelines. The two types of ADR include:
- Financial Ombudsman
If you reached out to Mackenzie and still cannot reach an agreement, report to the Financial Ombudsman. The Ombudsman is partial, independent, and investigates consumer complaints against public and private organisations. Before you report, ensure:
- You contacted Mackenzie, waited eight weeks, and got no response
- Mackenzie already sent you a deadlock Letter
The Ombudsman will reach out within ten days. You can complain if:
- You don't recognize the debt
- The amount is contentious
- The debt collectors keep harassing you
- You are not doing well financially, and Mackenzie Hall is not cooperating
- The debt is unenforceable
- Small Claims Court
You can sue them in a small claims court. However, remember that small claims court deal with small claims. The maximum these courts can handle in England & Wales is £10,000
Get Debt Collection Assistance From DoNotPay
DoNotPay can help determine whether the loan you are supposed to pay is legit. And if you report to the alternative methods, we help you determine whether the debt collectors have followed the law when demanding payment. You must answer some questions before we help you push to the next level. We contact the debt collector by sending them a demand letter. DoNotPay files complaints about the agency on your behalf.
Here is how it works:
- Search "debt collection" on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.
What Else Can DoNotPay Do?
DoNotPay can assist you on debt recovery issues with the following:
- Lowell Financial
- DWP Debt Management
- Moorcroft Debt Recovery
- Amigo Loans Refund
- Provident Loans Refund
- Marston Group Holdings
- Advantis Debt Collection
DoNotPay can also help you:
- File a complaint against any company
- Increase your credit limit
- Protect yourself from identity theft
- Get help with bills
- Get airline compensation
- Connect with an inmate
- File HR complaints
Try DoNotPay today and solve all your problems!