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  1. HELP !! I had a £25k loan taken out almost 12 years ago. There is about £7k left to pay now Dec 2012. 2 years ago I was suddenly not in the position to make the monthly payment (apx £400) and instead reduced payments to £40, £30 or £20/m - whatever I could afford. I discussed my circumstances with them and they seemed to have accepted the nominal monthly payments. With all the interest payments over the years I had pretty much paid off the original debt anyway. At the end of 2010 I forgot to make the November and December £40 payments. Westcot DCA rea
  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 e
  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 durin
  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 paymen
  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 default
  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
  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
  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 be
  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 p
  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
  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
  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
  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
  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
  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 t
  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 challe
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