Debt Help
Have you received a debt collection letter or are you getting calls from Mackenzie Hall?
Do you need advice & help on how deal with Mackenzie Hall debt collectors?
Do you need to make a payment?
Or are you wondering why they keep calling and sending you letters.
Below you'll find out everything there is to know about Mackenzie Hall, including their contact numbers and address information.
Mackenzie Hall Ltd are a debt collection agency and debt recovery company.
In 2012 Mackenzie Hall was sold to Portfolio Recovery Associates, the PRA Group.
As a debt collection company they specialise in collecting payments of debts owed by individuals or businesses. They collect debts on behalf of companies like HSBC, NatWest and the like.
Chances are they are calling or writing to you because they believe you owe money.
They also buy "bad debts" or "old debts" from banks, credit card companies and other lenders at a discounted rate. They then chase the debtor for the full amount of the original debt.
The original creditor will have sold the debt to Mackenzie Hall. The debt collection agency typically pay as little as 10p for every pound of debt they buy, but will chase you for the full amount of the original debt plus interest and costs.
So the chances are they are calling or writing to you because they have purchased your debt from the original lender, like Blackhorse car finance, HSBC Bank, Capital One and more. They now own the debt and believe you owe money.
If you have been contacted by them, you have to make a decision on how to deal with them.
Mackenzie Hall are just a debt collection agency, and therefore have to provide clear evidence that you owe the money.
Just because they keep calling or are writing you letters stating that you owe them money, does not mean you actually do. YOU MUST CHECK!
It could be statute barred, which means you no longer owe it.
If you do owe them money then do not enter into an agreement with them before you have taken advice.
This will make sure that they can prove that you actually owe the debt, and if so, that you get an agreement which is affordable for you.
Too often people are pressurised into paying the amount the debt collection agency want them to pay, even if they really can't afford to pay that much each week or month.
Our experts deal with Mackenzie Hall and the PRA Group every day, and can quickly help you determine if the debt is statute barred, in which case you won't have to pay anything.
If you do owe the money then we can also give you a FREE financial assessment, which you can then send to Mackenzie Hall.
This will make sure that if you do owe them money you only enter an agreement to repay on YOUR TERMS, at a rate you CAN AFFORD, rather than the one they may suggest.
Even if you have already entered an agreement with them, we may still be able to help you if you are struggling with the current payments.
Fed up of constant letters and calls! Do you even owe them? FREE check to stop the calls & collection action NOW.
Debt collection agencies like Mackenzie Hall must follow the strict debt collection guidance that are laid down by the FCA (Financial Conduct Authority)
The FCAs debt collection rules and guidance sets out minimum standards that all authorised companies involved in debt recovery and debt collection must adhere to in order to be considered fit to operate as a debt collector.
Therefore, under the rules laid down by the FCA, Mackenzie Hall can not claim unfair or excessive collection charges, they can not harrass you, they can't threaten to seize your property (when lawfully they cannot), they can not bypass an appointed representative and contact you directly. The FCA also bans debt collectors from threatening legal action when it is unlikely to take place.
The following actions are all unfair. We've seen all these activities and more. Some of these are outlawed by industry rules or codes of practice, and some of them are illegal:
If you're one of the many people being sent constant letters, text messages and not answering your phone without looking at "whocallssme.com" in order to avoid the many (and we mean MANY) phone calls by Mackenzie Hall debt collectors. Or if you have received a letter about a debt you don't recognise or think you've paid off, or if you are struggling to repay debts, fill in our simple form and we’ll call you back to see if we can help.
You can also read our "11 steps to deal with debt collectors". This guide explains exactly what they can do and how to dispute a debt and how to handle their calls and letters.
Please note that we are not associated with Mackenzie Hall Limited or the PRA Group in any way. The information on this page is provided to help people contact their creditors.
If you’re finding it difficult to make your monthly payments to Mackenzie Hall or the PRA Group you may need help looking at your budget and managing your debt. We deal with such companies all day, every day and we know exactly how to approach them. If you’re struggling to repay a debt and would like us to deal with Mackenzie Hall on your behalf and STOP the calls and letters, or simply need a bit of advice, just click on the GET HELP NOW button below.
If you want more help on dealing with Mackenzie Hall, call our FREE Helpline on 0800 368 8231 (freephone, including all mobiles) or take the online debt test and find your best solution.
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