Who Sent Me PO Box 8743 Bellshill Debt Letter?

Receiving a debt letter from PO Box 8743 Bellshill can be worrying. You might not know what to do next or how to handle this situation.

You’re not alone. Each month, over 12,000 people visit this website seeking advice on debt-related issues.

In this article, we’ll explain:

•  Who might have sent you the PO Box 8743 Bellshill debt letter
•  The reasons you may have received this letter
•  Possible ways to lower your repayments
•  Steps to take when you get a letter from Mackenzie Hall
•  What could happen if the debt is proven or ignored

We understand that dealing with debt collectors can be stressful and confusing; our team has experienced this first-hand.

We’ve faced these challenges and found ways to handle them. We’re here to help you do the same. Let’s get started!

Who uses PO Box 8743 Bellshill?

Several businesses use the PO Box 8743 Bellshill address. Including local councils! A company called Document Outsourcing Group Limited is thought to own the address, but there’s no evidence to confirm their ownership.

Why would you get a PO Box 8743 Bellshill ML4 3WU letter?

Chances are you got a PO Box 8743 Bellshill ML4 3WU letter from a debt collection agency called Mackenzie Hall. It’s a Scottish-based company. It begs the question of whether Mackenzie Hall is legit which this forum user wondered too:

Source: Moneysavingexpert

What should you do when you get a letter from Mackenzie Hall?

It can send you into panic mode when you get a letter from a strange address from a company you don’t recognise. So, you look them up on the internet and find they claim to be financial consultants based in Kilmarnock, Scotland.

The claim could confuse you even more!

Then you discover, MH (Mackenzie Hall) is chasing you for the money you allegedly owe to another company! It just adds to the confusion.

The letters you get are generally intimidating with lots of bold red text to emphasize what happens when you don’t pay up! Moreover, they’ll give you a deadline to pay, or else!

Once the dust settles, and you’ve regained your composure, write to MH asking them to provide written ‘proof’ the debt is yours!

Under no circumstances should you accept their word for it. You want authenticated proof that you owe the money which MH must provide!

What happens when the debt is proven?

Try to negotiate an affordable payment plan if the debt collection agency can prove the debt is yours. But first seek advice from a professional before admitting, signing or paying anything to MH.

In short, seek free, impartial advice from one of the debt charities before you do anything else. Their input could be invaluable when you’re not sure how to deal with a letter from PO Box 8743 Bellshill!

What happens when you ignore a letter from Mackenzie Hall?

Things get messy when you ignore letters from debt collection agencies. After receiving several demands and threatening letters, you’d get a Letter Before Action (LBA).

If you continue to ignore things, you could face:

• Ruining your credit rating
• Dealing with enforcement agents (bailiffs) if the creditor wins a court case against you
• Having a lien placed on your income or property
• Losing some of your possessions which a bailiff could seize

Should you just pay Mackenzie Hall?

No. Not immediately even though it’s stressful to have to deal with their correspondence! First, write to the debt collector asking them to ‘prove’ the debt is yours.

Next, if the debt is yours, check how old it is. Why? Because if a debt is at least six years old, debt collectors can make you pay. The reason? A debt becomes statute barred when it’s six years old.

A debt collector should stop all actions to recover the debt if you tell the debt is statute-barred and therefore, not enforceable!

However, for a debt to be statute barred, it must meet certain criteria which are:

• The creditor hasn’t registered a CCJ against you over the debt
• You’ve not paid anything towards settling the debt in the last six years
• You never admitted owing the money or been in contact with the creditor in the last six years

Write to Mackenzie Hall and tell them the debt is unenforceable and to stop chasing you. But only if the debt meets all of the above criteria!

That said, although a debt is no longer enforceable, it could still harm your credit rating.

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

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How do you contact Mackenzie Hall?

I’ve listed Mackenzie Hall’s contact details here: