Thread: Mackenzie Hall - Money Shop Debt

Hi

I have an outstanding debt with The Money Shop for £620.00

I have been in contact recently with MH and I did set up a payment plan, however, I am not 100% sure that I have made any payments. In fact, I had a "online" chat with someone a few weeks ago and they confirmed that £5 has been paid off the debt.

I have sent a CCA request to this Company, payment yet to be presented - silly me I sent them a cheque payment!

I have today received another chaser letter wanting payment by noon 29th Jan 2009.

Now I have two questions:

1. Do I ignore this letter and wait to see if the CCA turns up?
2. Do I contact The Money Shop and ask for them to withhold action even though The Money Shop do not know my confirmed address?
3. Shall I send them another snot-o-gram?

I tried to talk to them via their online chat this morning, but because I wouldnt fill in the details and only completed the reference number he hung up the chat on me the to**er!!!

Jo

Yes, as soon as I met this site I realised I shouldnt have paid that £5 payment **slaps head**!!

Thanks for the advice, they have NEVER had my card or bank details that is one thing I know not to give to these idiots.

The funny thing was when this idiot stopped the online chat I registered again and got the same guy, had great pleasure in asking him he if was going to disconnect again and then called him an IDIOT before I hung up the chat! Had to be done i guess!

I am on countdown for the 12+2 days. I have a file with all my paperwork in and I need to sit down and sort it out so I can plan my next stage of attack!

Thanks for your help, have clicked your scales BTW!

Originally Posted by loobyloo35

Thanks for the advice, they have NEVER had my card or bank details that is one thing I know not to give to these idiots.

They do now!!!!! You sent them a cheque you said.
So they have all your bank details plus your signiture.

Well that account is going to be closed, with Natwest. My account with HSBC is a new one and they NO details whatsoever and that is where my salary, tax credits get paid into.

Thought give them their due, NatWest are good at recalling payments if they haven't been made.

I have today received a letter from Mackenzie Hall, returning my £1 payment and a letter saying....

We refer to your letrer dated 1/21/2009

We have contacted our client for a copy of your agreement and statement of your account.

Your account is currently on HOLD. Please be assures that no action will be taken against you.

Should we not receive the relevant proof from our client within 40 days we wil close your file and return to our client. Our client will then decide what step to take.

Right, what I now need to know is:-

1. Can they hold this for 40 days? Surely this should be the 12+2 days?

2. Would they have made a indent on my credit file and can I ask them to remove this?

3. Is there a follow up letter to their holding letter that I can send them?

Thanks J

They have 12 days - end of. The additional two days is not part of the statutory limit but to allow for the Royal Mail to deliver their letter to you. If they havern't posted it by working day 12 it ain't never going to happen.

So on 12days plus 2 you send them the letter syaing - you ain't got the paperwork, push off and don't bother me.

I have today sent them the dispute letter, let's see what happens with that!

The 14 days in the dispute letter that I sent has now passed.

What is the next step? Do I ignore it or write again with another letter?

I have today received a letter saying they are closing their account and returning it to the original creditor.

Is there a letter I can send to MH to ensure they have not made a "stamp" on my credit file please?

1st credit are now chasing this - does that mean another CCA request or a different letter?

If MHall have failed to comply with a valid CCA request thn the matter is in dispute and should not have been passed to another collector to try their luck.