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thundy

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  1. So Ive been being chased by Mackenzie hall for some time. They call me easily 5 times a day. I have an iPhone so i've blocked unknown calls, although a few still slip through. The annoying thing is, ive spoken to them, and told them outright that i WILL NOT give out any personal information over the telephone, and that if they wish to discuss the matter, to contact me by Post. Their perpetual calling wont change my view on the matter. Because they use spoofed numbers to call, Its made me paranoid about answering my phone, and i've actually missed some pretty important calls because of it. Having to delete two or three voicemails a day from their robot caller is getting on my nerves too. At what point does this become harassment and something i should report to the police?
  2. I'm not sure what part of my post was "Hijacking" the thread. I was merely stating something that i had read elsewhere that i thought might be relevant. I'll avoid trying to be helpful in future lest i be accused again
  3. Sorry to bump an old thread if this is I was under the understanding that a Gym cannot enforce their membership fees, regardless of what agreement you signed, if they do not allow access to their facilities. I.e if you miss a payment, and they refuse you access to their facilities until you pay your sub, they CANNOT chase you for those fees from a legal standpoint, because they have not provided you with the service during the time which you had not paid I am happy to be corrected on this of course.
  4. Thanks for the advice. I guess i'll just wait for them to actually send me a letter. Now to focus on my legalcare problem again urgh..
  5. So my phone has been ringing at all hours of the day (see my petition thread) It's PRA / Mckenzie Hall. ive been called as early as 7:30 am and as late as 23:15. I dont answer withheld numbers, but they have started using spoofed local numbers. When i am able to, i answer the call. They always Mumble who they are so it is barely audible and then ask "For security" personal detail which i do not give out over the telephone. I know what the call is regarding as I took one of those 12 month semi payday loans, and when i tried to contact them a couple of weeks ago to rexolve the issue they informed me that they had "sold" the debt to mckenzie hall and would not be able to discuss the issue. I tried telling them that i would not discuss anything with Mckenzie hall due to their reputation of being bullyish and unreasonable but got much the same answer again. Anyway back on point. They keep calling, and i keep giving them the same answer, to which they always say "we will take your refusal to pass security as refusal to co-operate and thus will carry on collection proceedings" digression number 2. given that they are not allowed to pass any information to anyone other than "the account holder" and demand this information to discuss it, does it not seem odd that they then tell "whoever" they could actually be speaking to, that there are collection proceedings against the intended recipient? So why wont these tools just do what they are supposed to and send me a freaking letter, telling me how much i owe? I'm not even trying to get out of paying it. I fully acknowledge that i owe money and am willing to pay. Im just not dumb enough to give out my personal details to any tom, dick or harry that happens to ask for it over the phone. not really sure where to go with it now as i'm still getting calls and voicemails etc etc. This close to christmas, with emploment contracts waiting to be renewed, im in no frame of mind to deal with some dodgy debt collector who cant even send a letter.
  6. They also harass you from international numbers if you are late in paying. If, like me you dont answer international or annonymous calls, it can lead to... difficulties
  7. The fact is they are still doing it AND using spoof mobile and local numbers to get you to pick up. I dont generally answer calls from numbers i don't recognise either, but when your mobile phone rings and it is a local number.. people are inclined to think it is someone they know who hasnt got a number stored in their phone or something. A spoofed number is just as bad as a withheld number. These parasites ought not be contacting you by phone until they have sent you a letter anyway, and yet they still do.
  8. Guys, i've started an e-petition to try and stop DCA's and Collections departments calling on withheld numbers or "Spoofed" numbers. It also includes a bit about preventing those agencies from penalising people who refuse to give out personal information over the telephone I hope this is useful. the link is below https://www.change.org/en-GB/petitions/vince-cable-stop-companies-calling-anonymously-or-from-spoof-mobile-or-local-telephone-numbers-and-prevent-them-penalising-people-for-not-giving-out-personal-details-over-the-telephone#share Many thanks
  9. I agree with you there. Its been a constant struggle over the last few years. I was discharged from the Services on Health grounds, was unemployed for 6 months after that, then got a new job but was very underpaid and now im finally in a place where i am healthy, and starting to earn decent money, but all that counts for naught if This situation comes to a head. I am hoping that it doesnt. and will endeavour to get the information out as soon as possible, but i suspect that any remittance will have to be gotten retroactively as i cant affford to take the risk of not paying them when i can afford it.
  10. ok well i appreciate the advice. cant do much intil the info comes back from the necessary people.
  11. not being fleeced. i was aware of the charges before i signed anything. I chose to go with a DMC because im a busy guy and trying to juggle several creditors is time consuming and im not an expert in how to deal with creditors anyway. Paying to have someone else deal with my debts is a perfectly viable option, as it takes the stress out of it. im not here to be insulted, i am well aware of my failings. I appreciate the advice and will use what ive learned today to try and square this situation away. But since you seem to be about to turn this discussion around and start insulting my intelligence, ill bow out. Have a good day
  12. Dx you are right. The DMC told me this when i first explained that situation to them. I convinced them to leave the council to me as the DMC cannot garauntee that they can pay the bailiff on the correct day, and so the risk of levying goods would be increased. They DMC sent me a form with "how to deal with bailiffs and your rights" on it, however this is a bit late. I just want to get this debt cleared and stop worrying about it, but i live in constant fear that ill return from saudi thinking everything is ok and my car and or possessions will be gone. I've written to R&R asking for the list of charges etc etc. and ive written to my two local councillors explaining my situation and asking for them to help get the tax department to see sense. The Council tax department keep giving me these robotic responses, when all i want is for the Bailiffs to dissapear and let me deal with an actual human being who wont charge me £173 for the privelege
  13. ploddertom - you are probably right. i've never bothered fighting in the past because in all honesty i accept that the debt is my fault and i need to pay it, and added fees are sort of part of the process. but it occured to me recently that i'm never going to get out of this cycle if the council don't stop being jackasses and actually give me some breathing room. they already have a liability order against me for this years tax too according to them. And they clearly couldnt give a crap about my situation and will quite happily keep piling on the bailiffs. If i wasnt leaving the country i'd go and see the council face to face
  14. Yes there are goods listed on the forms and charges too. There are two accounts combined into one so there are two forms. because the council claims i defaulted on a previous agreement, although i received no such communication about it and thought it was cleared. The charges for the larger amount £1071 are £91.00 and the charges for the smaller amount £337 are £95. other than that the forms are the same barring the reference numbers
  15. form 7 is, (although not in that exact format) one of the forms i have been left. All this information has thrown me off now. Am i in fact being illegally charge or not? (or rather does it look that way with the info ive given) I don't really want to complicate things any more than they have already been, I just want them to back off for long enough to allow me to pay them back without losing my car or posessions, But they are being so unco-operative as they always have been. The bailiffs are being exactly what they are, bailiffs. experts at extracting money. and over the 4 years that ive been dealing with them, i've begun to learn what i can and cant do, and my DMC have been pretty helpful. I understand that the council could have outsourced the tax department, but im not sure what relevance this has to my account, since if that is the case, going directly to the council will just have me running around in circles since the council themselves will be keen to get rid of me and just keep directing me at whoever handles these things for them. (unless i am mistaken) I will get the information advised, so that we can see if i am being lawfully charged or not, but really im not looking for a long drawn out battle, im just looking for advice on how to get the council to stop being this way and meet me half way
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