PO Box 8743 Bellshill Debt Letter

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Have you received a letter from PO Box 8743 Bellshill and are unsure who it’s from or what to do next? You are not alone. Over 170,000 people visit our website each month for advice on debt matters, just like this one.

PO Box 8743 Bellshill is linked to Mackenzie Hall Debt Collection. It’s important not to ignore these letters as it could lead to more action.

In this easy-to-follow guide, we’ll help you:

Understand what PO Box 8743 Bellshill is
Learn about Mackenzie Hall Debt Collectors
Find out if you could possibly write off some of your debt
Discover if Mackenzie Hall can take you to court
Get tips on how to deal with Mackenzie Hall.

Research indicates that 64% of people in the UK feel stressed when dealing with debt collectors.¹We can relate to this because some members of our team have been in those same shoes.

Don’t worry! With our experience, we’ll help you understand how to take control of your debt.

What kind of company are they?

If you receive a debt letter from this address, it’s most likely to come from a debt collection agency called Mackenzie Hall Debt Collection, even though they’re officially based in Scotland.

There are forum users who have posted stories online confirming that Mackenzie Hall is using this address on their debt collection letters.

We have already discussed Mackenzie Hall Debt Collection in detail in this popular post.

Do you have to pay?

The thought of legal action and what can happen will probably make you think you have to pay.

You might end up having to pay to ensure these things don’t happen, but it doesn’t mean you have to pay straight away.

There are things you can do before paying, such as checking if the debt can even go to court and asking Mackenzie Hall to work for your payment.

» TAKE ACTION NOW: Fill out the short debt form

Check if the debt is still enforceable

If it has been 6 years – or 5 years in Scotland – since you last paid towards your unsecured debts and you have not written to your creditor about your debt during this time, it is statute-barred.

A statute-barred debt is not enforceable.

It still technically exists, and you still technically owe the money, but there is no legal way for you to be forced to pay or for the debt to be enforced.

Keep in mind that not all debts become statute-barred!

Any HMRC debts, for example, will stay enforceable for decades. Any debt that had a County Court Judgement (CCJ) attached to it during the 5 or 6-year window it will be enforceable for the duration of the CCJ.

If your debt is statute-barred, you can use our free letter template to write to Mackenzie Hall and explain the situation.

And, if you are unsure about the status of your debt, you can contact a debt charity for some advice. Their advisors will be able to look at the debt in question, determine its status, and advise you on your next steps.

How a debt solution could help

Some debt solutions can:

Stop nasty calls from creditors
Freeze interest and charges
Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:

Situation

Monthly income	£2,504
Monthly expenses	£2,345
Total debt	£32,049

Monthly debt repayments

Before	£587
After	£158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Ask them to prove you owe the debt

You only have to pay Mackenzie Hall once they prove you owe the debt.

As such, you need to ask them to prove the debt in writing. They should reply to your prove-it letter with a copy of a credit agreement or contract you signed.

If they don’t reply with the evidence, you don’t have to pay.

Keep copies of your request in case the matter goes to court. This is also a good tactic if you think Mackenzie Hall has made a mistake but isn’t listening to you.

What if they prove your debt?

If Mackenzie Hall sends a copy of a signed agreement or equivalent in your name, they are judged to have proved you owe the debt.

You should make arrangements to pay to prevent the potential of litigation. Remember that they are likely to accept payment plans if you can’t afford the full amount.

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

Get started

Reviews shown are for The Debt Advice Service.

What if you can’t afford to pay?

If Mackenzie Hall has proved that you are liable for the debt, but you can’t afford to pay, you may need to consider a debt solution or a debt resolution strategy.

There are several different debt solutions available in the UK, so we recommend speaking to a debt charity as soon as possible or filling out our debt form to discover your options.

Debt Management Plan (DMP)

A DMP is an informal debt solution that lets you pay off your debts via a single monthly payment.

Because it is informal, it is not legally binding so you are not tied into a DMP for a minimum number of payments.

Individual Voluntary Arrangement (IVA)

An IVA is a formal agreement between you and your creditors. You agree to pay a monthly sum that is distributed amongst your debts, and your creditors agree not to contact you during your IVA.

IVAs typically last for 5 or 6 years, and any outstanding debt is wiped off when it ends.

Keep in mind that IVAs are not suitable for everyone. You need to owe several thousand pounds to more than one creditor to be eligible. You also need to demonstrate that you have some disposable income every month.

Trust Deed

IVAs are not available in Scotland. Instead, you will need to opt for a Trust Deed.

Trust Deeds work in the same way as an IVA – you pay an agreed sum each month that is shared amongst your creditors, they can’t contact you, and any leftover debt at the end of your Trust Deed term is written off.

Debt Relief Order (DRO)

A DRO is a good option for those facing financial hardship with no assets and little income.

For 12 months, you make no payments, but your creditors freeze your interest and don’t contact you.

If your finances haven’t improved during this year, you may be able to write off your unsecured debts.

Bankruptcy

If you have debts but no realistic possibility of ever paying them off, you may need to declare bankruptcy.

Bankruptcy has an unfair stigma attached to it as it may be your only way of getting a financial fresh start. That said, it is a serious financial situation that should not be taken lightly.

Sequestration

Sequestration is the Scottish version of bankruptcy. If you have little income and no valuable assets, you may be able to apply for a minimal asset process bankruptcy (MAP). A MAP is a quicker, cheaper, and more straightforward version of sequestration, so worth considering.

Can they take you to court?

Mackenzie Hall wouldn’t take you to court themselves unless they purchased the debt and now own it. But they could advise their client who they’re chasing you on behalf of to take legal action.

It’s difficult to predict whether legal action will be taken against you or whether these sorts of threats are just made to scare you into paying, which often works! Assuming they won’t can be risky.

If legal action is taken and their client wins in court, a judge will issue you with a court order to pay the debt.

If you don’t pay or keep up with an agreed-upon payment plan, your creditor or Mackenzie Hall may then ask the courts to use enforcement action.

This may include:

Bailiffs
Taking money from your wages
Securing the debt with any property you own.

If you are worried about potential legal action, you can get free advice from a debt charity.

How do you deal with the debt collection agency?

Dealing with debt collectors face-to-face can be intimidating, so we recommend writing to Mackenzie Hall as much as possible.

Sometimes, like with statute-barred debts, it might be better for you to phone rather than write a letter.

Either way, we recommend having a record of all of the conversations that you have with Mackenzie Hall. This will make it harder for them to argue with you down the line.

This means keeping a copy of any letters that you receive or send and writing down some details about any phone calls that you have.

You can use our free letter template guides to help you keep a professional tone.

When you receive correspondence from Mackenzie Hall, keep in mind that they may use underhand tactics to try and get you to pay quickly. Take a look at this example.

As we will go on to explain, you are under no obligation to pay for a debt that hasn’t been proven to you. This means that this person doesn’t have to pay Mackenzie Hall until they have proven that he is liable.

This also means that your first letter from Mackenzie Hall won’t be an actual court summons!

Staying On Top Of Your Debts

One of the hardest parts about being in debt is that the industry isn’t at all transparent.

One common tactic used by Debt Collectors is contacting you under multiple names and addresses.

Sometimes, it’s for practical reasons, but even then it can be confusing and intimidating. So it’s important to try to keep a level head and research what’s going on.

Some of the biggest debt collectors in the UK operate under multiple names.

Robinson Way will sometimes contact you under the name Hoist Finance.
Cabot Financial Group recently bought Wescot Credit Services
Credit Style communicate as both Credit Style and CST Law.
Lowell Financial also owns Overdales and collects debts under both names.

In fact, in the case of PRA Group, they’ve been known to use multiple company names. As you can see in the image below.

If you’ve been contacted by a debt collector recently, it’s worth going through your post and emails to check that you haven’t missed anything, just in case they’ve started writing to you under a different name.

Mackenzie Hall Debt Collectors Contact Details

Company Name:	Mackenzie Hall Limited
Other Names:	PRA Group, Mackenzie Hall Debt Collectors
Address:	Unit 1A, 58 Portland Street Kilmarnock, Ayrshire KA1 1JG
Phone:	01563 556429
Fax:	0845 280 1512
Website:	www.pragroup.co.uk
Opening hours:	Monday – Thursday: 8:00 am – 8:00 pm Friday: 8:00 am – 6:00 pm Saturday: 8:00 am – 12:00 pm