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Mackenzie Hall Debt Collectors – Do You Have to Pay?

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 6th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

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.

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Mackenzie Hall Debt Collectors

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 had a letter from Mackenzie Hall Debt Collectors and are not sure what to do next? Don’t worry; you’re not alone. Every month, over 170,000 people visit our website seeking advice on debt issues.

We know it’s confusing to find out where this debt has come from or if you should pay it at all. We’re here to help you through it.

In this article, we’ll explain:

  •  Who Mackenzie Hall Debt Collectors are.
  •  How to understand if the debt they say you owe is really yours.
  •  How to stop them from calling you all the time.
  •  If you can stop paying them or even write off some of your debt.
  •  Your rights when dealing with debt collectors.

Research shows that 64% of UK adults find interactions with current debt collectors stressful1. So we understand how it feels when they keep asking you for money.

Don’t worry; we’ve got the information you need to figure things out. Let’s find out more about Mackenzie Hall Debt Collectors and what you can do.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Why do MacKenzie Hall Debt Collectors keep calling you?

If your phone keeps ringing and an agent from Mackenzie Hall Debt Collectors is on the other end, you may be wondering why they keep contacting you.

The truth is that debt is big business, and there are thousands of debt collection businesses out there, chasing debtors for payment.

You will find debt collection companies that work independently and even some who operate as sole traders. There are also debt collection companies who work side by side with the company you have the debt with. Although they don’t usually publicise this!

You may be wondering how debt collectors make any money. After all, they are buying the debt and getting the payment, so how can they make anything?

The way they operate is to purchase debt. Debt collection agencies buy billions of debt annually at rock bottom prices, at an average of 10p to £1! 2.

They don’t tend to show much care about the situation debtors are in. The Office for Fair Trading reported that many debt collection agencies are using poor practices to try to get the repayments. In many cases, they are making debtors’ lives miserable due to their harsh tactics.

Read what to do if you can’t pay back your debt.

» TAKE ACTION NOW: Fill out the short debt form


Letters from PO Box 8743 Bellshill?

Mackenzie Hall may have contacted you under their normal company name and address, but occasionally you may receive contact from PO Box 8743 BellShill. From my research, it seems this is also an address associated with Mackenzie Hall, so I’d treat them as the same company.

Typical Debt Collection Process

If you’ve missed a payment, Mackenzie Hall will send letters or call. This is part of the first stage of the debt collection process. Keep in mind that the actions involved in the debt collector timeline may escalate if you ignore them.

It’s crucial to understand the key stages of the debt collection process to prevent unwanted situations. That’s why I’ve put together this quick table. For more information, please read our specialized guide.

Stage Actions What you should do:
Missing one or two small payments Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments. Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options.
Missing large or multiple payments Their contact will become more frequent, urgent, and threatening. Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment.
Debt collector visit After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment. If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this.
Court If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to:
– File a CCJ against you.
– File an attachment of earnings order.
– File a lawsuit against you.
You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you.

If you ignore Mackenzie Hall, they can file a CCJ against you. Remember that the best way to stop them from contacting you is by offering to pay what you can.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. 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

Establishing the debt

Do you believe you have already paid this debt, or perhaps you are completely unaware of it? The first thing to do before you start making any payments to the debt is to find out as much about it as possible. Mackenzie Hall Debt Collectors should be able to provide you with a copy of the credit agreement, with a breakdown of the costs.

Speak to Mackenzie Hall Debt Collectors and ask them to send the agreement in writing. You will not need to pay the debt if they don’t provide this. You have a right to request, and receive this.

Follow our ‘prove it’ guide with letter templates and get them to prove that you owe the money.

Don’t want to pay?

Assuming that Mackenzie Hall Debt Collectors have sent you a copy of the credit agreement, and everything is above board and accurate, the next step is to pay the debt – if you can. It is not a case of ‘not wanting to pay’, if you owe it, you need to pay it.

However, you should only pay if it will allow you to keep up with other payments, such as rent or mortgage. The debt collectors may be willing to accept a partial payment to clear off the debt.

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.

Natasha

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.

MacKenzie Hall Debt Collectors – the key points

There are some things you should be aware of when debt collectors such as MacKenzie Hall Debt Collectors contact you. This knowledge will put you in a better position to fight back!

The agents will usually get bonuses

If you are wondering why the agents at MacKenzie Hall Debt Collectors are continuously contacting you, it is quite simply that they will make money if they get payment.

On an individual basis, the agents may have set targets for payments, and they will often get bonuses as a result of achieving these. The last thing they want is to come off the phone and say that they have not managed to get any payment.

You should stand up for yourself against debt collectors like MacKenzie Hall Debt Collectors. The threats they make are usually empty, so you may be able to turn it around. Make sure you speak to them, but don’t just pay up straight away if you can’t afford it. You should not leave yourself without funds as a result of paying your debt.

Call technology is commonplace

Are you wondering how MacKenzie Hall Debt Collectors have the time to contact you on a loop every day? You can be assured that they are not doing this, they will be using automated call technology to deal with the calls.

This can result in daily calls, or even several each day. If you do finally decide to answer the calls, they may not even be on the other line. The calls are a form of intimidation.

If you are receiving an excessive amount of phone calls, you should make sure you have a note of these, and when they take place. This is not acceptable behaviour, and it will be a breach of the OFT guidelines. You have the right to report them to the Financial Ombudsman for this behaviour.

You will be able to reach the Financial Ombudsman by calling 0800 023 4567 or alternatively, 0300 123 9123.

Bad attitude

There are many debt collection agents who simply have a bad attitude! They may speak to you in a friendly, polite manner in the first instance, but that is usually only to sweeten you up so that you make payment to the debt.

The tides will soon turn when they find out you can’t pay the debt after all. The contact you receive from them may even become quite abusive. You might receive sinister letters or relentless phone calls.

They do this as they want to make sure you pay up. If you are driven to despair, you are more likely to pay up just to get rid of them. This is not the kind of behaviour you should be resigning yourself to putting up with. They do not have the right to treat you unfairly, regardless of how much debt you have.

It is not easy to deal with this negative behaviour, especially if you are not used to it. However, if you know your rights and you are able to stay strong, you can deal with it and change the situation. You also have the right to report to the OFT using this online complaint form.

Are they allowed to speak to my family about the debt?

Janine, our financial expert, explained that while debt collectors can visit your home for payments, they cannot come to your workplace, act threateningly, force payment, or discuss your finances with others. If they violate these rules, you can complain.

Your financial situation is your business, and no-one else’s. Even if they cannot get hold of you, they should still not speak to anyone else about your debt. If they have spoken to someone else about your debt, this is against the OFT guidelines and privacy laws.

This behaviour should be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Other Debt Collectors to look for on your Credit Report

There are hundreds of debt collectors in the UK and they each collect for different companies.

It’s surprisingly easy to not notice that you’re in a debt collector’s crosshairs.


I’d suggest you spend time checking your credit report. If a debt collector purchases any of your debt, it will appear on your credit report.

Some of the biggest to look out for include Cabot, PRA Group, and Lowell.

So if you see anything relating to their names, then you’ll need to investigate further.

How to get out of debt

Even if you feel that your debt has reached a point of no return, there is always help out there. There are organisations who offer their services for free, and other debt management companies who may charge you a small fee. It would make sense to use the free support first, and the paid services if you can’t find the help you desire. These are some of the most popular companies providing free debt help:

  • Citizens Advice Bureau (CAB) – an organisation who have skilled, trained staff who are able to provide help and support in getting out of debt. They may even be able to stop debt collectors from contacting you, if you can show that you are trying to repay the debts.
  • Christians Against Poverty (CAP) – an organisation who provide free help and support.
  • StepChange provides free online debt advice and helps people get back control of their finances.

You can write off your debt

You will be able to write off some of the debt if you enter into an Individual Voluntary Arrangement (IVA).

With this agreement, you will pay a specific amount each month towards the debt, and after around five years, the remaining debt will be written off. You would need to use an insolvency practitioner for an IVA.

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
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. Indebted Debt Collection Survey
  2. Jubilee Debt Campaign

CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers


The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
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