So i would start a thread in the QuickQuid sub forum for my CCA sent to Mack Hall as the original creditor is QQ correct?

dx

I had a previous Payday Loan with QuickQuid - worst thing i ever did... However.. I could not afford to pay this one back and stopped the payments, it defaulted and has been a default since around 2011.

I never really heard anything off QuickQuid about this, but had an occasional letter from Mack Hall. I started looking into how i may be able to help myself, and i then decided to send them a CCA Request.

I sent the statutory £1 off with it, they returned the pound saying "we do not need the £1", and no true signed agreement or anything has been sent to me. The only thing they sent was that they were passing this on to quick quid and i heard nothing since.

The date for the 12+2 was 11th feb 2014, so i have no today sent off a follow up letter using a template i found on the internet.

Where do i stand now? I was not making any payments to them for this debt, have not if my memory serves me well, had any contact with them apart from them leaving automated voicemails..

Could i be looking at a score of me: 1 - Mack hall: 0?

After looking around i have seen that this may mean the debt is not enforcable, but still persuable? Is there anything i can do to stop them chasing me too? I have seen letters to try and get your details removed from their system if they cannot prove the debt is owed from an agreement..

What if 3 months down the line i get post with the agreement? It then becomes enforcable again?

Lie low until something comes in the post. Then we can deal with it.

Ok i will, thanks

Ok dx.

I just thought my comments were valid for this thread. There seems to be a consistent theme between threads to send a CCA request in the first instance without people knowing what they are looking for or what is legally required from the creditor, this could be misleading.

DJM this is a self help forum and there are links for CCA request SARs etc., for users to familiarise themselves with the processes.

Question on this:

Mack hall have other companies in their group such as portfolio recovery or something which are at the same address

I have put in a cca request with nothing sent back and also a follow up letter with so far nothing sent back but yet they still keep phoning and leaving automated messages? Can they do this still?

Did you put it in writing that you revoke permission for them to call you by phone?

When was the loan taken out? I'm assuming post April '07? if so it can be enforced with the court's say so.

I will double check what I put on the follow up letter but I know that on the bottom i put about correspondence being by letter. And I thought if they couldn't produce an agreement they couldn't enforce it even in a court? Or has that changed too?

I will double check what I put on the follow up letter but I know that on the bottom i put about correspondence being by letter. And I thought if they couldn't produce an agreement they couldn't enforce it even in a court? Or has that changed too?

Only if the agreement was taken out prior to 6th April 2007. Past that date it's down to the court to give 'leave' to do so.

Ahh ok. It was taken out I think in 2010/11.. So maybe the template I used to send them as a follow up letter is out of date

Update on this

After hearing no reply regarding a CCA request - i had an alert from equifax saying the mack hall entry on my credit file had been deleted

It is still present i believe on experian and noddle, but deleted on equifax.. odd?

Some CRA's wont update until the end of each calendar month.

As this is mack hall deleting the entry, would i be right in assuming its either

1) they have sold it to someone else ?

2) they cannot provide the CCA so have stopped chasing it?

Or could there be another reason

Strange, I had an old quick quid default which I had lots of issues with. I wont take up your thread but I ended up with three companies chasing me for it so I wrote to them all told them the account was in dispute until they figured out which one of them owned it, I never heard another thing. My default disappeared from Equifax about the same time as yours, maybe they were having a clear out! Mine has never been on noddle but I haven't checked my Experian for a while so don't know if its still on there.

Well at least there is someone else out there in the same boat with it just vanishing etc! Hopefully it will stay gone..

However it is still on my experian even now.. Wonder if it will disappear at some point during may.. Will update further if it does

Hi, i put in a CCA request about this a good few months back now (february)

There has been nothing back and i proceeded with follow up letters etc in the past

The latest now - still after hearing nothing back they have re updated my credit file under Portfolio recoveries (which is the same people as mack hall) in June, and shown it as still defaulted with nothing being done by me about the account.. Can they do this? As the account is still in default on their side as they did not provide anything from my cca request and they said no further action would be taken until the agreement was given to me which it never has been?

CCA in default just stops them enforcing the debt. They still have a legal obligation to correctly report the current status of the account. lack of a valid CCA doesnt mean the default or entry should be removed.

CCA in default just stops them enforcing the debt. They still have a legal obligation to correctly report the current status of the account. lack of a valid CCA doesnt mean the default or entry should be removed.

Brill thanks for clearing that up

But doesn't a failed cca request mean they can't sell the debt on as they are in a default position aswell? Or did I read that wrong? (I read these things a while back so not sure if I am remembering correctly)

And if they can't pass it on then technically it can't be passed from mack hall to portfolio? (If it's a correct piece of information I read)

Nope sadly. Dcas and creditors can and do sell on debts without the cca.

Ahh ok, no probs will grin and bear it. Thanks

The CCA is mainly used for the execution of enforcing a debt. So a debt can get a CCJ, but iirc it cant be collected on without a valid CCA.

The CCA is mainly used for the execution of enforcing a debt. So a debt can get a CCJ, but iirc it cant be collected on without a valid CCA.

Can it still get a ccj even after a failed cca request? At the minute it's just at the defaulted state