Any updates for us newman? x

I have been receiving letters off these cretins again, one was a blank standing order form saying that they are willing to accept any payment I make to them, as long as I keep up my payment proposals, and another letter saying that they have been checking my credit report and noticed some activity on it..... I don't think so seeing as nobody in their right minds would probably give me credit now after these shallow barstools have probably thrashed my credit rating! Just gonna get filed in the bin!

Let me know how you get on..... I am currently awaiting some more free paper to clean up any cat accidents! Nik x

OH MY GOD!!! 1st credit have repiled with A CCA from a Citi and BMIbaby card agreement date on top 01 05 08. Its just a load of photocopied papers. And the covering letter says: Please find enclosed a true copy of your agreement enclosed. The document provided is compliant to the consumer credit(cancellation notices and copies of documents) regulations 1983 which we are obliged to adhere to. Specifically I would refer you to regulation 3(2) which states the agreement is not required to be an exact replica of the original document but may omit certain information including any signature box, signature, or date of signature. We would now respectfully request you contact our offices to recommence repayment of this debt. I took this card out long before 2008, and not one piece of paper includes my signature. What should I do now?

I just want to say thank you to both of you for your help!!

I received a red postcard off them today, not sealed or anything, with the logo and debt recovery consultants in bold writing on the non addressed side. Now, this is embarrassing to me as anybody could of seen this, luckily, it was just the postman. Am I right in contacting the OFT about this?

It actually was an online application!

I cant actually remember if I received one off the OC..... Is there anyway I can find out? I want to thank everybody for their help so far!!! xxx

So is this actually a default notice, or is it just something thats dressed up like one?

Not that I can remember........

Thanks everybody!!! xxx

I have copied it to the exact letter! I have: *Mackenzie hall logo, on top right corner, *address as: unit 1a, 58 portland street, kilmarnock, ayrshire, ka1 1jg *a reference number *pursuers: Mackenzie hall debt purchase ltd. When I read it this morning, I actually thought that myself.

Thanks Hardup!!!! I just thought it was best I check on here!!! xxx

:confused:I received this letter from Mackenzie Hall today. I knew Quick Quid had passed the debt over to them but just wondering if this is classed as a default notice from Mackenzie Hall, and also if it is valid! 13TH APRIL 2010 DEFAULT ON FIXED SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 Dear Nikki1982 We write to give you formal notice that Quick Quid has legally assigned the rights to the above debt to Mackenzie Hall debt purchase Ltd. This means that Mackenzie Hall now legally own the debt. We act for Mackenzie Hall. We have been instructed to pursue you for the full payment with immediate effect. Take notice: You should accept this letter as formal notification that unless payment is received within 7 days then your account will be considered for legal action in the County Court for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount that you will be required to pay. THERE WILL BE NO FURTHER WARNING- PAYMENT IN FULL MUST BE RECEIVED NO LATER THAN NOON 20TH APRIL 2010. In the event judgement is obtained against you then it will be entered in a public register, the register of judgements, orders and fines. The details will then be passed to credit reference agencies, who will supply them to credit grantors and others seeking information on your financial standing. This will make it difficult for you to get credit. NOTE: Quick Quid have already advised the Credit reference agencies of tour default. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as Default satisfied. Many thanks in advance xxx

I defaulted on a loan with Wonga. It has now been passed to JBDR who claim that letters were sent out to me on the 8th January, and 7th February to which I had never receieved. Yet searching through my emails, I had one from Barker and Lowe, on the 7th January, giving me until the 14th January to pay all the money. Made a telephone call to JBDR on the 6th April after receiving a voicemail asking me to contact them. I said I had not received any written notification of yourselves or Wonga to actually say you are legally entitled to collect this debt, and I wish to try and set up a payment arrangement..... was told we will send everything to you via email to which I have still not received. Received another voicemail this morning, asking me to contact them again, explained everything to the person I was speaking to, said another email will be sent out........ STILL WAITING!!! I don't know what to do

Hi, I had a payday loan with Wonga and defaulted on it. I had received countless emails from them telling me this and that. Anyway to cut a long story short, I received a phone call on my landline phone, and it was a text message sent through from a DCA asking me to ring them. I didnt know at the time it was a DCA when I took a note of the number asking me to contact them. I rang the number and was told it was in relation to this debt I have with Wonga. I have not received any post stating that this debt has been passed over. Should I have been notified with a letter instead of a text message sent through to my house phone? Any advice appreciated!!!

I can probably afford £50 a month towards it at present. Have I got to be notified that this has been passed over to the DCA in another form apart from a text message received on my home phone?

To cut a long story short, I defaulted on loan to Wonga, was receiving emails left, right and centre off them. I have now found out it has been passed to a debt collector. I only found this out because they sent a text message through to my home phone. I have had no written notification off anybody saying its been passed over. I was stupid enough to ring up these people because it gave no reference as to what they where ringing for in the text message. Can somebody give me advice on what steps to take from here?

Hi, I won a claim for my PPI as it was missold to me, the only problem is that the cheque I received was in my maiden name. I gave them ample warning for the name change I think.... I changed my name on the 18/11/09 and the cheque is dated 23/11/09, so theoretically speaking the cheque should have had my correct name on it. I rang them up on Friday to inform them that the name was wrong, and that I couldn't do anything with the cheque. Was told he would put a request through as priority and should receive the correctly addressed cheque no later than Monday(today). No cheque arrived.... Rang them again, got put on hold for 10 mins while he tried to see if it had been issued.... was then informed that they had to wait for the first cheque to be cancelled, this could take up to thursday, and then a new one would be issued. Informed him I wasn't very happy. So all in all, I will be waiting another 2 weeks for this money, what with the time it is going to take to wait for the first cheque to be cancelled, then waiting for a new cheque, then the time it takes to clear. Asked for an explanation, and was put on hold for another 10 mins.... the only answer he could give me was it could have been a system error and the person whom he asked didn't really know. I threatened to go down to the centre where the cheques are drawn up . They are making more interest off this money which should be sat in my account now waiting to clear. What can I do?

Hi, I won a claim for my PPI as it was missold to me, the only problem is that the cheque I received was in my maiden name. I gave them ample warning for the name change I think.... I changed my name on the 18/11/09 and the cheque is dated 23/11/09, so theoretically speaking the cheque should have had my correct name on it. I rang them up on Friday to inform them that the name was wrong, and that I couldn't do anything with the cheque. Was told he would put a request through as priority and should receive the correctly addressed cheque no later than Monday(today). No cheque arrived.... Rang them again, got put on hold for 10 mins while he tried to see if it had been issued.... was then informed that they had to wait for the first cheque to be cancelled, this could take up to thursday, and then a new one would be issued. Informed him I wasn't very happy. So all in all, I will be waiting another 2 weeks for this money, what with the time it is going to take to wait for the first cheque to be cancelled, then waiting for a new cheque, then the time it takes to clear. Asked for an explanation, and was put on hold for another 10 mins.... the only answer he could give me was it could have been a system error and the person whom he asked didn't really know. I threatened to go down to the centre where the cheques are drawn up ;-). They are making more interest off this money which should be sat in my account now waiting to clear. What can I do?

UPDATE: Today, I received a final response from 1st credit, thanking me for my letter of the 29th October and my email dated 6th November (I actually sent the email to LCS so I don't know if they have slipped up there!) and they state that they have contacted Citi for a copy of my agreement and on receipt of said document, it shall be then forwarded to myself. It then goes on to say, that they are fully aware that they cannot enforce a debt until the CCA has been adhered to. CITI states that altough currently unenforceable, the debt remains due and payable. Then, it goes on to say that they are unaware of any legislation that states a default or data that is believed to be correct must be removed whilst a cca request is being dealt with. In fact I would refer you to the recent court case of PHILIP McGUFFICK V ROYAL BANK OF SCOTLAND, where the court concluded that reporting information to the credit reference agencies does not constitute enforcement. With response to my request to cease processeing my data, they point out that I have not specified upon which ground I rely for my notice under S10 of the data protection act. Therefore they do not consider this valid; furthermore this is not a valid request as it falls under the exemption in schedule 2 section 2(a) of the act. Should they receive correspondence from any of the regulatory bodies we shall respond to them accordingly. During the interim your account shall remain on hold pending a response from Citi.

Hola guests! Nice to see you can join us!

All is quiet on the 1st credit and LCS front, apart from a copy of their complaints procedure which popped through my letterbox on Saturday, I have had no acknowledgement of any letters they have received from me! I did get a reply from the OFT, saying 'We will take into account the further information you have helpfully given us as we continue to monitor this trader’s fitness to hold a credit licence. Thank you once again for taking the time to write to us about this matter'

Copy of email sent to them: Dear Sir/Madam, I am writing to acknowledge the amusing letter I received on the 05/11/2009, dated 02/11/2009 As you may or not be aware of, this account is very much in dispute, and has been since 08/10/2009, when the company you act for has failed to comply with a lawful request for a copy of my credit agreement. The client in which you act for, has defaulted on my request. This was first requested on the 18/09/2009, and I have proof that the item to was delivered to your clients on the 21/09/2009, via this link http://postcode.royalmail.com/portal/rm/track?catId with barcode ...... The signature of the person who has signed for this letter is available also. Then on the 29/10/2009, I sent a letter putting the account in dispute. Again, I have proof that this item was delivered on the 02/11/2009, with barcode number........ Also, just to make you aware of the postal order number that was sent with my first letter on 18/09/2009 is...... To date, I have received no acknowledgement of the request for my credit agreement, which I also requested over the phone, and have a recording of this, also on 18/09/2009. I made...... aware that the call was being recorded, so I am perfectly in my rights to use this recording as I see fit. Also, to make you aware, due to the obvious lack of communication between yourself and your clients, I have felt the need to make a formal complaint to the OFT, who are now in possession of the letter that I have received off yourselves. A copy of this email will be forwarded to the OFT also, in due course.

Thanks for the replies! A copy of the letter has been forwarded to the OFT, and I sent LCS an email, as I am not well at the minute, but its been stored in a password protected folder!!!! 1st Credit already have my email address so its not like I am giving them any more info that they don't already have. Thats a thought.... I don't actually remember giving them my email addy!