ric_pendle

What was the outcome of your dealing with Mackensie Hall? I am currently in default with QQ and despite offering a 6 month plan of paying back £130 a month they have refused. I'm waiting for it to be passed over and would love to know what happened with you.

I had (stupidly) got into a downward spiral of various payday loans. All of which have been perfectly nice and have agreed repayment plans all except QQ. I have no intention of not paying as I borrowed the money but just got out of my depth and want to be able to pay it back with a reasonable but afforrdable offer.

Any advice greatly received!!

Hi HeatA,

What was your progress with this? Did you hear anything once you had defaulted? what was the process and were they willing the set up payment arrangements?

Thanks

I've just had a look at my credit file and with an outstanding balance of £992 when it was transferred to Mackenzie Hall they defaulted me straight away and have pestered me ever since. Now that they've defaulted me and my credit file is buggered for 6 years they can absolutely go **** themselves.

Snevillio,

When did you fail to repay quick quid? Did you try and contact them or vice versa?

How long before Mackenzie hall got involved, what has your dealings with them been?

I failed to repay last week and have heard nothing. I kind of expect a default but plan to try and settle asap

I would challenge the default sum, theoretically it should only be the original loan amount plus one months interest they default on, if the default contains charges it is incorrect.

Report Mackenzie Hall to Alan Stewart at East Ayrshire Trading Standards for this, and report them to the Information Commissioners office.

I am going to do another government petition that only the original creditor can place a default on our credit file and they must do this within 3 months of the missed payment, if they do it afterwards it can only show for 3 months.....

It started probably Feb this year, tried to come up with a payment plan but they wanted 1/3rd of the amount which i coudln't stretch to. MuckHall got involved in June and pretty much defaulted me immediately. I explained to them about not being in work after reundancy but they just called and kept on sending letters, i've just seen one now that talks about a doorstep visit so i'm sure theres much more fun to come.

I think the initial loan was £900, i paid £100 when i could and the default amount is £992 so its probably just the original fee + 1 months interest although they would have added a 'dishonour' fee into that of £12 or £25, don't know if that makes a difference?

Dealing with Muck Hall is impossible, they never stopped harrassing me, wouldn't talk about any kind of settlement or payment plan offer and that fella at trading standards just said it had nothing to do with him.