Who Sent Me PO Box 8743 Bellshill Debt Letter?

Are you confused about a debt letter you got from a strange-sounding company? Are you asking ‘who sent me PO Box 8743 Bellshill debt letter’ to my address? 

Then check out my post to find out who exactly it is and why they’d be contacting you over money owed!

Do you have to pay Mackenzie Hall?

You might not have to pay Mackenzie Hall.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

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

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

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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!

Could you face legal action if you don’t pay?

Yes. You could face legal action if you don’t pay but it won’t be Mackenzie Hall who brings proceedings against you. Not unless they bought the debt and own it which you should have been informed about.

The original creditor must tell you when a debt is sold. The buyers should also write to inform you they own the debt!

Having said that, whether you’re taken to court or not is debatable, but it’s risky to presume that a creditor won’t follow through on a threat.

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.

What can Mackenzie Hall legally do?

Debt collectors like Mackenzie Hall must follow the law and abide by a Code of Practice when chasing you for payment. There are actions debt collectors can legally do and some which they cannot!

I’ve listed what MH can do when they contact you here:

• A debt collector can contact you and visit you at home
• They can discuss your debt with you politely and discreetly
• They can ask you to pay them directly

A debt collector cannot legally do any of the following:

• Visit you at your place of work
• Discuss a debt with your family, friends, neighbours or employer which is a breach of your privacy
• Clamp your vehicle
• Seize your possessions
• Pretend they are enforcement agents which are unlawful
• Use documents that appear to be court-issued when they are not
• Harass or threaten you
• Force their way into your home

How do you contact Mackenzie Hall?

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

Lastly, who sent me PO Box 8743 Bellshill debt letter?

If you asked, who sent me PO Box 8743 Bellshill debt letter, you’re not alone. It’s unnerving when you get a letter about a debt from a strange address. You might believe it’s a scam and bin it.

In truth, you should open the letter if it’s addressed to you and deal with things head-on. First, the debt may not be yours so ask the sender to prove it is. Then check the age of the debt because it could be unenforceable due to being statute barred!

Never sign, admit or pay anything before a debt collection agency proves you owe the money. Don’t just take their word for it. Ask for an authenticated copy of a contract or agreement you signed!

Thanks for reading this post. I hope I’ve put your mind to rest and answered the question, who sent me PO Box 8743 Bellshill debt letter, and can I ignore it?

“It will only get worse” 😩

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There are straightforward and effective ways to deal with debt, but you have to know your options. 

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