Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder loobyloo35 Novitiate

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    Default 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 Requesticon 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


  2. #2
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    Default Re: Mackenzie Hall - Money Shop Debt

    Quote Originally Posted by loobyloo35 View Post
    I have been in contact recently with MH and I did set up a payment plan...
    Ouch!
    Quote Originally Posted by loobyloo35 View Post
    Do I ignore this letter and wait to see if the CCA turns up?
    You should allow 12+2 days for them to comply with your CCA Requesticon and that is all - not 'see if it turns up'. If the time has expired, send them a copy of http://www.consumeractiongroup.co.uk...ml#post1840880
    Quote Originally Posted by loobyloo35 View Post
    ...he hung up the chat on me the to**er!!!
    What an accurate description of a Kilmarnock Kowboy!

    Don't use the online chat or telephone, you want any discussion to be in black and white, so you prove what was said and when. DCAicon muppets are not known for being bright and could easily type into their system that you were going to pay 55, not 5. NEVER let them have bank account details or make payment via debit/credit card, they may forget the conversation and could make further debits a few days later... (note the use of their favourite words MAY and COULD!)

    Quite simply, if they don't send the paperwork, send them maroondevo52's letter and that should be it.

    The Money Shop wouldn't want to know, simple as that. They've passed on details of the alleged debt for collection and they'll just say its out of their hands.

    Be good to those who give you advice that helps - click the star below to give them your thanks by way of a reputation credit.
    I've launched my CAG inspired site at http://hillards.webs.com/ for anyone who wants to know what the DCA's are really like, or what a CCA or SAR is... Lots of good reading!
    IMPORTANT: Take my advice on the basis that I am expressing my opinion, based upon knowledge gained. I am not a lawyer and have no legal standing
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  3. #3
    Basic Account Holder loobyloo35 Novitiate

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    Default Re: Mackenzie Hall - Money Shop Debt

    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!


  4. #4
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    Default Re: Mackenzie Hall - Money Shop Debt

    Quote Originally Posted by loobyloo35 View Post
    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.


  5. #5
    Basic Account Holder loobyloo35 Novitiate

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    Default Re: Mackenzie Hall - Money Shop Debt

    Well that account is going to be closed, with Natwesticon. My account with HSBCicon 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.


  6. #6
    Basic Account Holder loobyloo35 Novitiate

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    Default Re: Mackenzie Hall - Money Shop Debt

    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


  7. #7
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    Default Re: Mackenzie Hall - Money Shop Debt

    I would await their next move, you COULD possibly send a SARicon or a CCA Requesticon to the original creditor to see what they come up with, until you fully establish IF they still hold a CCA for you...(have you checked your credit file ?)

    PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

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  8. #8
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    Default Re: Mackenzie Hall - Money Shop Debt

    Quote Originally Posted by loobyloo35 View Post
    I have today received a letter from Mackenzie Hall...
    They like making things up as they go along, hoping that you don't know the law. They have 12+2 days to comply with the CCA Requesticon. If they don't send it in that time then they fail. Simple.

    If they cannot enforce the matter by way of a valid CCA then they have to close the file and remove any default from your credit file.

    Their time is up soon, if you've heard nothing more by the end of this week there is a good letter to base your next move on at http://www.consumeractiongroup.co.uk...ml#post1840880

    Be good to those who give you advice that helps - click the star below to give them your thanks by way of a reputation credit.
    I've launched my CAG inspired site at http://hillards.webs.com/ for anyone who wants to know what the DCA's are really like, or what a CCA or SAR is... Lots of good reading!
    IMPORTANT: Take my advice on the basis that I am expressing my opinion, based upon knowledge gained. I am not a lawyer and have no legal standing
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  9. #9
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    Default Re: Mackenzie Hall - Money Shop Debt

    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.


  10. #10
    Basic Account Holder loobyloo35 Novitiate

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    Default Re: Mackenzie Hall - Money Shop Debt

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


  11. #11
    Basic Account Holder loobyloo35 Novitiate

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    Default Re: Mackenzie Hall - Money Shop Debt

    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?


  12. #12
    Basic Account Holder loobyloo35 Novitiate

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    Default Re: Mackenzie Hall - Money Shop Debt

    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?


  13. #13
    Basic Account Holder loobyloo35 Novitiate

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    Default Re: Mackenzie Hall - Money Shop Debt

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


  14. #14
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    Default Re: Mackenzie Hall - Money Shop Debt

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



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