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  1. I had a £25k loan taken out almost 10 years ago, was paying almost £400/m regularly and had only apx £8k left to pay. Was suddenly not in the position to make the monthly payment and have instead been paying £40/m. I had discussed my circumstances with them and I guess - although they were not happy - they must have realised that with all the interest payments over the years I had pretty much paid off the original debt they seemed to have accepted the nominal monthly payment for the last year+. However, with Christmas, bad weather and sickness I completely forgot to make the November and December £40 payments. And now Westcot DCA has reared its head chasing me For the last few weeks I have been receiving texts and calls (unanswered by me) from Westcot. I did not know why they were trying to contact me so ignored them. today I received a red letter from Westcot : Important - Notice of Debt Collection - for the whole amount (8k) outstanding. I quickly went on line and made up the 2 months and this months payments so that I am back up to date with the normal nominal payments. But what should I do now ? Do I completely ignore Westcot ? And write to Halifax again - say circumstances have not changed, the payments were missed due to oversight, and I need to continue the nominal amounts ? Or should I try to negotiate with them to try to clear the debt with an offer (which I might have coming in within the next month or so) of apx £1k ? For what it is worth, Halifax has frozen the total - no added interest - so all the nominal amounts have been reducing the balance. I really do not want to get battling with dcas now.... Anyone's help is much appreciated.... Thank you.
  2. 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?
  3. 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
  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. 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
  6. 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
  7. Hello, forum noob so be patient with me please. I am receiving letters which I suspect is for a debt which is probably 14 years old but the letters do not have my current name on them. I divorced then changed my name briefly due to my ex having debts I was being hassled for. I am now known by my maiden name. I was receiving these letters at my two previous addresses but always returned them 'not known at this address'. I have just moved and I am now getting them here. Advice please - I have not opened the letters and have never responded to any of them during this 14 year period and wondered if this falls into the statute barred category? Also, if they are not in my current name can they take action against me? BTW I have checked the addresses on the back of the envelopes and they are from Lowells and Aktiva Capital UK and I have received 5 such letters in the last few days. Whilst checking the addresses I could see through the envelope and one of them claims I owe Barclays bank £360. I have never had an account with this bank. :eek:Advice please. [/url]
  8. My partner and I were repossessed by Capstone nearly 3 years ago. We havent heard a dicky bird from them but we also had to get a secured loan with the mortgage which was from Welcome Finance. This has now been passed on to Mackenzie Hall my partner keeps getting the odd letter asking if he lives at the address we are now residing at. He is now saying that we are going to be getting baillifs coming to the door can i just ask this isnt correct is it as this loan is now not secured tried to explain this to him but he is frightened we are going to lose this property cant get through to him.
  9. 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.
  10. 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
  11. Hi all, please stick with me, this may be a complicated read. My partner and her estranged husband took a home improvement loan out in March 2004 for £5000 plus £1098 PPI making £6098.79 total credit. In 2010 she found out that he hadn't been paying mortgage and bills etc, they separated, house was sold prior to the lender reprocessing. He has subsequently moved over to Romania leaving her with just over £10k debt (other creditors but Welcome is the most pressing, others haven't caught up yet). From the paperwork that is in front of me I deduce that the defaults started around 2009, this may be earlier though as he may have destroyed other paperwork. In 2011 she started receiving letters from welcome containing 'Notice of sums in arrears' and 'Notice of default sums', she called them in the first instance offering a full explanation of events leading up to that point but was rebuffed basically and told that the debt stands, nothing can be done apart from payment in full. Payment in full equated to £6068.74 which was simply an impossible amount to think of paying in one hit. In Jan 2012 she received and answered one of the many telephone calls and was told she had to pay something now to stop further action (I know she shouldn't have backed down) and paid £25.00. In Feb 2012 she contacted CAB who went through everything, sent a letter telling them to cease calling, asked for a full and final settlement figure and asked her to provide a financial means sheet. March 2012 brought a bit of luck in the shape of £2500 windfall which she duly put away in the hope that this may pay off the loan, CAB were informed and a letter was sent to welcome offering this amount as full and final, they rejected it! September 2012 brought a letter from Makenzie hall who now hold the debt, even though Welcome never came back to the CAB with a full and final figure. December 2012 was dire in the fact that her car broke down severely costing £1500 to put right. This £1500 came from the £2500 windfall as she needs her car as a home care provider. My questions are:- Where do I now start to sort this mess out? CAB, although good just don't seem to be pro-active enough. (not that I have any experience) Can the charges and PPI & insurances be claimed back so it reduces the overall outstanding debt? I find it incredulous that a loan for £6098 in 2004 paid until 2009 now stands at £6068! What legal right does she have over having to pay it all back when she was assured that it was paid before her ex left the country? She has given her ex's new address to Welcome but they don't seem bothered by it. I may have other questions but these are the ones that are at the forefront of my mind. Many thanks for sticking with this and look forward to any help and replies. LC
  12. 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
  13. 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?
  14. 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?
  15. 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?
  16. 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?
  17. Hi, I've been getting spammed by text message and phonecall by Moorcroft. They didn't identify who they purchased the alleged debt from. They did leave a reference number in a text message, which allowed me to log into their website and submit a message along the lines of: "Your communication by text message and telephone will cease immediately, and you will contact me in writing. Failure to comply will put you in breach of the Protection from Harassment Act 1999, and s.127 of the Communications Act 2003. Any future communications will be recorded and logged to be used in evidence." They responded by letter saying: "Thank you for your recent correspondence, I write to confirm we require a monthly repayment proposal you can afford and maintain, to enable us to assist you further." This seems to imply they won't stop texting and calling until I agree to hand over money to them.
  18. 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!
  19. Anyone have an email address for these people please?
  20. 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
  21. 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
  22. Evening all. Been reading a lot of stuff (mostly bad, tbh) about the above mentioned company. Had a letter from them on saturday morning regarding an old debt of mine. The letter was addressed to me, they were asking if I was the addressee, and if I was, to contact them, and if I wasn't, did I know where I could be found. I fed the letter through my shredder........... Let's start at the beginning. In early 2008, we took a loan of 10k out, stupidly with Welscum Finance, which as most of you prolly know, was flushed down the tubes by the high up shirts within the parent company, another dodgy lot by the name of Cattles Group. Now due to marriage breakdown, the debt didn't get paid. I've heard nothing for the last 5 years, but now it would appear that because Cattles has gone down the bog, they've sold on some of their debts to this rather notorious bunch, or at least the administrators of Welscum have. Now I'm no fool, and there is absolutely no way I would even think about phoning these people, even before I'd looked on here. Obviously the debt is NOT Statute Barred as of yet, I believe it will be as of April 2014. I'm very tempted just to sit back and see what happens, whether they know I am who they think I am. I'm guessing that they will have bought the debt for next to nothing as it's nearly SB, and therefore very unlikely to ever be paid. If I ignore the letters, are they likely to get more threatening?? It's up to them to prove the debt exists, right, not up to me to prove it doesn't?? Rather then ignoring their current letters, is it worth firing off a "prove it, fools" letter to them?? We do know that Welscum were particularly poor at keeping paperwork, it was well documented some time ago that they lost a lot of customer information. Obviously, for the moment I'm gonna continue using them as shredder food, (or possibly kindling for Sunday's bonfire) and there is NO way I'm gonna phone them. I understand that MH are a really nasty lot, and we've already had a fight with another DCA that were particularly nasty, so I'm no stranger to fighting with these low-lives. What's the worst these people can do?? Are they likely to push me into bankruptcy?? (Saves me the trouble of doing it, saves me the money and wipes off the other 23k we owe for a mortgage shortfall, so what's known as a win-win situation, I guess.......) Anyway, I've finished rambling now, so thanks for reading and I look forward to seeing your replies and thoughts on these idiots.
  23. 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?
  24. 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.
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