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  1. http://www.consumeractiongroup.co.uk/forum/showthread.php?452689-Children-s-charity-bosses-praise-town-hall-over-decision-to-stop-bailiffs-calling-on-families-with-kids-at-home-Manche For the full story http://www.manchestereveningnews.co.uk/news/greater-manchester-news/childrens-charity-bosses-praise-town-10110772
  2. Hi I have just joined this site,I had worked for Mackenzie Hall and after that PRA Group once they purchased Mackenzie Hall,I no longer work for them,the reason I have joined this site (and others) is if I can help anybody in anyway with advice etc I'm only to happy to help or give advice,if I know the answer to the question! I understand it may be strange an ex employee posting on this site but I have personal reasons as to why. Regards Mashigana
  3. The following story appears on SCOOP today: Officers from Camden Council were left red-faced after High Court enforcement officers gained entry to the town hall last Wednesday and began seizing thousands of pounds worth of local authority owned TVs, computers and printers to repay approx £7,000 owed to a resident. http://www.hamhigh.co.uk/news/court-crime/chaos_at_camden_town_hall_as_high_court_bailiffs_seize_council_computers_to_repay_debt_to_resident_1_3788428
  4. Hi Ive had an Vanquis card that i fell behind with after arranging reduced payments for 4 months but after 3 months vanquis rang and said id had the reduced amount and now needed to make the full payments.. Mackenzie hall have since contacted me with a reduced settlement offer of half the debt, looking for an amicable settlement prior to court proceedings, Which i worked out was the correct amount owed less there charges applied which doubled the amount, so i wrote back agreeing to the half debt amount and sent a letter agreeing to the true figure that was owed less the unlawful and extortionate charges and offered payments of 10.00 minimum per month due to my financial position. and that the 10.00 was on the understanding that we'd amicably agreed to the lesser figure, i foolishly sent a 10.00 postal order. Ive had a letter back stating that, their client cannot accept the 10.00 minimum payment per month at the reduced figure, but demand that i pay 36.00 pm and unless i pay the 36.00pm the reduced figure will become the full amount.. They have also cashed the 10.00 postal order and taken it of the full figure.. Ive had a few dealings with cabot in the past and won but need some advise asap as they have given me 30 days and im half way through that already, feel foolish for sending the 10.00 postal order now but that was clearly indicated as the first months minimum payment.. Also SAR'd Vanquis and thats been 14 days sent... Hadituptohere
  5. Hi guys, 1st post here, although i've been reading as a guest for what seems an age. Basically, around 2011, I got into the circle of using payday loan companies, mostly work related because of a reduction in hours....i'm free now though! My query however, is this...My final outstanding loan is with Wonga. They 'legally' sold this to MH. Wonga's default is still on my credit file, surely this should be in MH's name, should it not? Thanks in advance guys
  6. Hi There, I had a JD Williams account in 2006 I cleared it the following year (07) before I moved house since then they have sent me threatening letters both from them and debt collectionicon agencies claiming that I still owe them money. My account was online and I didn't sign a CCA I believe that they acquired my new address illegally contrary to the data protection act I have written to them informing them that I cleared my account and to point out that they have acquired my new address illegally but they continue to send the letters. This has gone through several DCA's and is now with Cahoot they sent me a letter today informing me that they are going to pass the debt onto MacKenzie Hall DCA. Given that the debt was incurred in 07 it is now statute barred and I receive a letter on average every 3-4 months which I just ignore. I am wondering if I should use the template on this forum for statute barred debts and write to Cahoot reminding them that the debt is statue barred or should I just ignore it as these people seems very good at ignoring such reminders and requests for CCA's. Just to reiterate my J.D. Williams account was online and I never signed a CCA. What do people think I should do? Regards Mac_fan_2010
  7. hi there I am getting letters from the above 2 so far - saying they are attempting to contact the above named (me) at this address etc etc etc In the subject matter it says Not Known/ Gone away which I know is normally on a creditors note on a credit file if the address hasn't been up dated so Im guessing theyre after me for something I just don't know what - My credit rating says excellent - although there are defaults on there but these are being paid through a DMP Do I answer the letter - the LAST thing I want is a CCJ now that IVe managed to clear up my rating I wont phone them but there is an email address - I don't want to ignore and then have something blow up in my face!!! Any advice please?
  8. 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?
  9. 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?
  10. Hi Guys I got and hone call on Friday from PRA, ignored it because it was automated, then they did the one thing that is a massive no-no; They rang my work place! Somehow managed to find the number and embarrassed me, because my boss dragged me aside this morning and went "what the hell! " Anyway I spoke to PRA and they REFUSE to remove the contact details for me after i said in writing only. They have marked them *Incorrect contact* instead and refused. I warned them I would refer it to the ICO, and they still didn't budge! What do you suggest?
  11. Seems there's a lot of bad press to do with MH on here.. I dont know much about them, but I receieved a letter yesterday. Theyve been calling me for a few weeks and leaving odd voicemails with an automated message asking me to call back. Which I haven't. I'm currently on a DMP with 'The Money Group' as my debts with Wonga and QuickQuid got out of hand. Wonga seem to have gone quiet on me, so I assume they have accepted the agreement with my DMP but QQ contacted me about a month ago saying I had 7 days to arrange payments. I spoke to a rep and offered a token £10 payment (all I could afford) and he said this would hold my account until the DMP payment was received. I'm unsure whether the issue is with the DMP company, me, the loan companies.. who? But the address the letter came to is my Mothers and I'm absolutely petrified they will show up on the doorstep. My Mum doesnt know about my debt and it will destroy our relationship. Help please. What to do?
  12. Hi this is probably very minor in comparison to many folks problems, here's my issue. Had a new mobile and number last Dec apparently it was previously owned by someone with debt who was being hunted by debt collection companies. Three of the companies accepted the fact from me that I am not the person they seek, MacKenzie Hall however don't. Despite sending me an email in June assuring me my details would be removed they are back at it this week. I have written another waspy email which I will send to MacKenzie Hall although only have two email addresses and would love to get the directors emails, however I may post hard copies as well for max impact. Does anyone else have this problem. I'm getting fed up paying to retrieve their voice mails as well as the slightly niggling feeling if they can mess this up what impact can they have on my digital finances? All too big Bro for me. From what I read on the net they are bullies riding close to the letter of the law, I guess they figure vulnerable people don't have cash to fight back? Just because you have debt doesn't mean you lose your human rights!
  13. Anyone have an email address for these people please?
  14. Just thought i would make people aware of the new tacktics that Macenzie Hall are employing., that is unless you are already aware. For those of you who are already taking the sensible advice of not answering calls from these people, then they are using a new tactic to bypass their usual Non geographical number of 0141.... 0845.. etc. They are now using std numbers which appear to be calling from your Area .... ie 01782 .....0151 .... 01626.... etc to encorage you to answer the phone. The company on the other side of this call Market themselves as P.R.A, but to you and me they are Macenzie Hall. I have received such a call last week, on a number of occasions, but missed them, and they leave no message, in the true way that these companies operate. I had such a call on monday,missed it and decided to call them back. on the AREA NUMBER that came up on my phone qouted the referance number they gave me only to be met by the most obnoqis person ive ever to have spoken to Durring the call I pressed them to who they were After a sereis of bluff from them and denial's they PRA gave me their company house details which are ....SC255891... Guess who.. Yes macenzie hall... Be Aware guys Would like to make this a sticky
  15. Hi guys, after a bit of advice and hopefully confirmation of what I believe. I took out a couple of loans with Welcome Finance. ..one a car loan one a personal loan. I'm not sure of the exact time I took them out but at best guess it would have been 2001 or 2002. Not long after I ran into trouble and couldn't afford the repayments. I made an agreement with Welcome to pay £10 per week on each of the loans which they accepted. In 2004 I moved house. In August 2006, I changed my bank account. Having had the conversation with Welcome before, I knew that the only way they would change the Direct Debit was if they sent me a new Direct Debit mandate by post and I sent it back. I wrote to Welcome from my new address informing them that I had changed my bank account and I needed new DD mandates to continue making my agreed payments. I heard nothing. In September of 2006 I wrote to them again to inform them that my old bank account was being closed and that if they didn't send me a new DD mandate the repayments would stop. Again, I heard nothing. Fast forward to around 2011 (ish) I got a phone call out of the blue asking if I was this account holder and I fobbed them off and never heard anything again from them. Then in early 2012, I started getting letters from MKDP demanding that I pay up for these loans which I chose to ignore as I figured that come September 2012 it would be statute barred and they'd no longer be able to chase me. They eventually gave up. Now, this year, MacKenzie Hall have started chasing me for this debt by post and I think by phone (I have caller ID and don't answer calls from witheld numbers or numbers I don't recognise). So far I've sent the letters back labelled "Not at this address". It's now October 2013 and I'm pretty certain the last payment to Welcome would have been late August or early September 2006 so am I right in thinking that this debt is now statute barred and MacKenzie Hall or anybody else can no longer chase me for it - even despite the threats of court action and bailiffs? Thanks in advance Steve
  16. Was stupid and took out a Wonga loan to get through a dodgy month about 18 months ago; according to my credit file the original balance was £205. It defaulted at £450~. Wonga passed this on to Moorcroft whom sent a few letters, tried to ring, gave up and went quiet. (This was around 9 months ago) Well, I've just had a missed call (or did at 0812) from a number that is registered as MacKenzie Hall. They've tried to leave a message but I know it's going to be a computer voice telling me to ring them, so I haven't even bothered listening to it yet. I'm fairly sure this is going to be about the above account though. I've done a little research and can see these are unscrupulous turds. There's a thread in this very sub-forum for around 2 weeks ago where someone has uploaded their threat-o-gram, and I'm trying to get a feel for how MH work. I'm just musing at the moment but: Threatening to issue new defaults (and actually doing so) I wouldn't mind them doing this; as I'm not trying to gain any credit - and were they to try this I would fight to have it removed and would demand financial redress. Would also make a nice complaint to the OFT/ICO. Adding a whole lot of interest This is a bit of an issue; I don't mind paying what I originally borrowed (£200) - but I refuse to pay for any of their trumped up charges or fees. Using "Meritforce" (?) as a doorstep collector I know they have no powers, but living in a block of flats it not only has the potential to be embarassing - I also don't live alone, and refuse to allow them to subject anyone else to their idiocy. Harassing phonecalls Meh. At one point I was getting around 15+ phonecalls a day from 3 or 4 companies, this isn't anything I'm unable to ignore! Considering this, after they make first contact proper, I assume it may be a good idea to inform them that: All correspondence should be kept in writing (be it electronic or hard) there is no convenient time for a doorstep collection, any attempt to send someone will be taken as a form of harassment and the police will be called Now this very debt is my last one, and it's one I would love to see cleared off - even though it's been defaulted already and it's from a PDL; it would mean quite a lot to see the £0 on my credit file. However, I object to paying off their interest fees and other charges - I honestly do not mind paying off what I actually owed. (Even though it does leave a bad taste in my mouth knowing that even if I paid off what I owe that will be primarily be profit for these crooks - but if that's the price I pay for a £0 and some satisfaction then be it.) Is there anyway I can pre-empt their exuberant fees, bearing in mind this account has indeed defaulted 18 months previously? Lastly, I'm also aware that they have a nasty penchant for refusing payment plans - I remember from previous dealings with another DCA (Cougar.) that simply quoting the OFT guidelines for the collection of debts, there was a good bit in there about accepting payments, and it got them to shut up. I'd be looking at £60-£75 p/month, which I think is actually a very good offer. Knowing they don't like to be told how much they can have though, am I right in saying that only a court can order a breakdown of incomings/outgoings? (Sneakily, when I paid Robinson Way £150 and told them they would have £75 the next month - for an account totaling £225, they asked me to complete paperwork to "ensure you are able to afford these payments".. ignored obviously.) Now forgive the brain dump here; I'm just planning where to go next. Have I missed anything, or is there anything I should know about the pondlife who will be harassing me over the coming weeks?
  17. I have a debt with Vanquis which I could no longer afford to meet the minimum payments due to overtime being cut at work so have less money coming in. Debt has been passed to Mackenzie Hall and they phoned me last week. I offered to pay £20 a month by standing order starting 1st Oct, they accepted and they gave me their bank account number and sort code to make the payments to. Fast forward to today and I receive an email from Lowell Group regarding the same debt demanding full payment now or to contact them to arrange a payment plan. Did I not just arrange a payment plan with Mackenzie Hall last week? Are they the same company? I don't want to make payments to one company and have another company chasing me saying I haven't paid.
  18. Hi - I'm not sure if this is the right place to start, but we run a small, weekly toddler group in a sports hall that's owned by a Private School. It's a modern hall and when it was built part of the remit was to provide a space for the local community, for things like toddler groups etc. However, this term, they've *doubled* the money that they're asking us to contribute and we're unable to meet this financially. We've always had the impression that we're an inconvenience to them and suspect that this may be a tactic to get rid of us. Is there anything we can do - can we challenge the increase in money legally? Where would I go to have a look at the original agreement that was made between the hall and, presumably - the council? Do we have a leg to stand on? Many thanks, M.
  19. I run a guide unit and have been threatened with loosing hall we meet because of new promise (not going in to that here) and had a letter from PCC saying we have to pay £18 p/h for 52 weeks a year. we don't meet 52 weeks. We have an agreement at the moment with them which doesn't mention the promise. They sent us this as part of reasons why While we respect the changes that Girlguiding have made, under the 1993 Charities Act we are bound that any disposal (sale or letting) of the church hall must be at full market value. It then continued to say that exemption from the 1993 Act could only happen at the PCC discretion and if they thought that the charity's objectives are in line the charitable objectives of the church. Any advice helpful.
  20. Help, I received this letter today from mucky hall. I had a wonga loan for £400 in 2011 I couldnt afford to pay it back and buried my head in the sand. I had all the usual threats, default notice and a letter telling me it had been sold to mucky hall. I got the usual threats off them, I have not heard anything for around 6 months until today. This doesn't sound like the usual threats and now I'm worried. What does it mean and what should I do. mucky hall are not on my credit report just wonga it shows default in december 2011 though the amount is now showing as £917. There is no way I can afford to pay this off and no chance of maiking any reasonable offer.
  21. Hi all, recieved a default notice from these clowns today. It doesnt say where the debt originated and I dont recognise it. It doesnt even appear on my credit files! So can they do this, I mean put a default on your file. Also, what can I do to stop them doing this? Thanks in advance!
  22. Hi everybody thanks in advance for help I have various debts all of which i am paying a small amount a month to (accepted by creditors) I have however had no joy communicating with Mackenzie Hall who have bought my Quick Quid debt. I originally sent them letters to stop phone calls which have now resumed after a break, and they are constantly sending me completely irrelevant letters. However today i have received a letter headed REDUCED SETTLEMENT OFFER Our offer of full and final settlement : £149.40 to be paid no later than noon 18th August 2013 Now the original borrowed amount from quickquid way back in Jan 2012 was £200 (£237.50 total to be paid back) I lost my job very shortly after this and everything spiraled from there. Quick quid literally ignored me for months (i was not hiding as stated above rest have agreements) and Mackenzie Hall just constantly rejected my £5 per month offer. I am wondering why today they have sent this as on paper it looks a fair reduction? Thanks for any help
  23. Hello everybody, This evening I received a call from MacKenzie Hall asking if I was who they expected it to be which is my son. I explained that no, that is my son who is at work, can I help. They said no its a personal matter and would try another number tomorrow. I contacted my son and asked him if he had heard from them or if he was in any debt. He said no to both and I do believe him (well, I definitely hope he's not deceiving me). Should I have concerns over this? I told him not to accept any call from the number I was called on until he receives something in writing. Thanks for any answers that I hope will alleviate my concerns.
  24. Hi, I have just been onto Experian credit file and seen a default from Mackenzie hall for a debt i had with QuickQuid. Now when QQ lent me the money spell my name incorrect. Now the question i have is: 1) if i was to pay the Full Outstanding amount can i get the default removed 2) Is there anything i can do about them have spelt my name incorrect? e.g. they have an extra A The reason i ask this, is that i have found my dream job, but they require a credit search on me, so i need a clean file. Is there anything i can do, please help. Adam
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