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Found 12 results

  1. Hi I have been getting harassed nonstop by MMF - regarding a debt which I settled via MacKenzie Hall for a Wageday Advance debt. The debt was paid off 2 years ago - incurred due to moving house and new bank card / account etc - and eventually the debt for a payday loan was cleared with MacKenzie Hall. I have a screenshot and emails to substantiate this. MMF are now chasing me for additional charges on top of this it seems...........of over £120! I have asked them to substantiate the debt and all they have done is provide some numbers - which does refer to the sum that I paid, but these are just typed into the letter, and that there are costs outstanding. There is no copy of the original credit agreement, no copy of anything with reference to the additional costs incurred, which have never been advised to me. Can anyone advise what I should do next? Is there an email address that I can contact at MMF - as their generic one never responds to me, and I have emailed Wageday Advance to confirm payment of this and they are also now ignoring me!!! Strange how they respond to emails when you are after money or repaying them back!!! Many thanks in advance
  2. Dear all A long time since I have posted on here and hopefully it is in the correct forum. I have been receiving phone calls from PRA Uk who I believe are connected to Mackenzie Hall. I don't have any reason for a DDA to be contacting me and they are using my previous name before I got married and that was 13 years ago, I have an IVA back then but that settled and all done. Somehow they have got my work number and I get numerous call per week, its annoying, I am aware of their tactics and I haven't given them any info, not even confirmed my name. Just said the person they want doesn't exist, technically they don't. Reading on other threads there are template letters including CCA etc. However as i haven't got a clue what they want and I won't go through any security questions, what can I do, Keep ignoring them and tell them to go away and stop calling, it is a nuisance. Any tips to deal with this would be greatful. Thanks
  3. I had a credit card with I think Citibank, which I defaulted on due to not having a job. This debt has been 'sold' to Cabot and this is on my credit file as an open account, and they are reporting each month as default. First question, the debt default date was 07/06/2008, so I am presuming that this will drop off my credit file in July this year 2014? As this will be 6 years from default and I have had no correspondence with Cabot about the debt or even acknowledged it. Next question, this debt has been passed on to Mackenzie Hall to chase and I go through phases where they call both my home phone and mobile. Again I don't answer the calls, and have even blocked the numbers but they are using a variety of numbers to call and text me. When the debt disappears from my credit file, does this then means it's statue barred? If so are there letters/ advice someone can point me to about how to follow this up and get rid of it. This is the last of my debts, that are showing on my credit file so I just want to be rid of it. Thanks for the help in advance.
  4. Hi All, I'm looking for some advice on how to start putting my life back together after spending the last 6 years looking over my shoulder! To cut a long story short after a relationship breakdown and some other personal issues my flat was repossessed in 2008 and Northern Rock sold it on at auction. The flat cost me originally £38500 on a together mortgage and I also took out an additional £6K loan on top of that to clear some debts as well as a £10K loan from Blackhorse (secured) a few years later. I now have NRAM chasing me for a shortfall of £29500 and Blackhorse £17985 both of which I have paid nothing towards since the repossession. I received a letter from Mackenzie Hall last week offering a settlement figure of £8800 for the NRAM shortfall (which I don't have!) or a £40 PM payment. I also get occasional letters from various DCA's about the Blackhorse sum. I am based in Scotland and I know the law is slightly different up here.
  5. I made £148 of Additons catalogue purchases in october 2008. i got my first [Additions] 'arrears collection dept' letter in february 2009. i got my first letter from a debt recovery company [Nationwide debt recovery ltd] in march 2009. in april 2009 Additions sent me a letter with the heading 'default notice'. are companies allowed to start using a debt recovery company before sending the default notice? by may 2009 the debt had got to £251.82p...because of charges and interest...and has stayed at that amount since then. in june 2009 Lowell bought my debt...they started threatening collection agent visits in thier first letter to me. in august 2009 Lowell started to threaten getting a CCJ, which could lead to furthur court action, a bailiff or sheriff taking my possessions, a charge against my property, payments being taken from my bank account. can they do all of that stuff? in september 2009 they passed my account to Hampton's Legal, which Lowell said was thier litigation specialists.. .Hampton's Legal continued with the same threats. in november 2009 Lowell appointed my account to Red debt collection services. Red continued the same threats as Lowell, a field agent visit and even threatened a petition for bankruptcy 'if the balance exceeds the insolvency threshold of £750'. what does that mean? in march 2010 Lowell appointed my account to Philips Specialist bailiffs and Debt Recovery Agents. they will 'commence recovery proceedures' on behalf of Lowell. since may Philips started threatening debt recovery agents coming to my house and instructing solicitors. my most recent letter [from Philips] was dated the 19th of may. will Philips really send out an agent? soon? i've not replied to any of these companies about this debt. i'm so ashamed. what should i do?
  6. We moved house in 2008. About a year later Mackenzie Hall contacted my wife about a Studio cards debt of £127 relating to an order made from our old address in November of 2008. Although my wife had expressed an interest, and asked for a catalogue from studio Cards, she never actually bought anything, or opened an account. Seemingly, when they send catalogues out the order form is already preprinted with the name and address of the recipient. My wife explained that we had moved long before this order was made and it was not her responsibility. Mackenzie Hall wanted her to jump through hoops to prove we had moved when we said. We said you prove it's our debt, and we heard nothing more. When my wife checked her Noddle account a few days ago, five years on, she found two recent defaults, one from Mackenzie Hall, and one from Studio Cards - both for the original amount. Could someone please advise us how we can rectify this.
  7. Dear All, I hope you can help. I had a payday loan with Debitcard Loans. When it became evident that I could no longer afford to pay them back, I ensured my wages went into another bank account and then let Debitcard loans know I could not afford to pay them back and requested their banking details to draw up a repayment plan. All requests were totally ignored. they attempted for about 4 months to take the money from my empty bank account, this forced the empty bank account to go overdrawn. After the first time, I went into my local branch and requested that this stop (I did not know about CPA then). Branch Manager (!) told me there was no way that this could be stopped, as they had my card details. I "lost" my card the next day, and got a new one. Debitcard loans somehow still managed to force payments (attempted payments) through, and this created more unauthorised overdraft fees, interest charges and penalty charges. This was sometime in 2011 if I remember correctly. Lloyds kept on phoning me asking me for payment, I would say that I dispute the amount now owed (over £400) and requested statements. I never got any. I attempted to get statements using my online account, they had deleted my online account from my online login. Fast forward to Monday the 5th of August 2013, Mackenzie Hall phone me up wanting payment for this. Told them not to phone me, but to email/send me a letter as I dispute I owe anything to Lloyds. Put the phone down. Get a letter in the post today, in a familiar brown envelope that Mackenzie Hall favours, with the Bellshill return address and "This is not a circular" on the envelope. Surprised to find that it is on LloydsTSB headed paper, telling me debt has been handed over to muckheap for collection and gave me all of Muckheap's contact details and that I should now contact Muckheap. Was signed by Claire Thomson. Which made me suspicious. Looked Claire Thomson up, and yup, she works for Mackenzie Hall. So... should I notify lloyds Muckheap is forging letters with their headed notepaper? Obviously I think this should be forwarded to the OFT as well. As well as this, I need guidance now on what to do with this "debt". I think I should SAR LloydsTSB right? Would the template do, customised to my details? I anyone wants to see, I can scan the letter from Muckheap pretending to be Lloyds.
  8. A company called MacKenzie hall have left at least half a dozen messages on my 1571 service since sometime in November. I rarely use my home phone, so I only noticed them yesterday. I looked up the number, and the company, and they look to be a debt recovery company. I signed up for a 30 day trial of the credit reference agencies, and can see that MacKenzie hall have made a trace search on me! I do have debts (who doesn't) but they are managed, and all in good shape - the reference agency information all appears correct with nothing untowards showing. So, this morning I phoned the number left by MacKenzie Hall, and after telling me that calls would be monitored, then conversation went like this:- MH: Do you have a reference number starting with M? Me: No MH: Have you received a letter in the post? Me: No MH: Have you received a telephone call? Me: Yes MH: What is the phone number? Me: MH: And your name? Me: MH: And the first line of your address and post code? Me: Er - you tell me - I don't know who you are, and I don't want to give you that information because you could be anybody MH: Well we need to confirm that we are speaking to the correct person Me: Well I don't know who YOU are, so I want you to confirm yourselves MH: Then we end the call here. And that was it! Am I in the wrong here? I honestly don't know what they want to speak to me about, but surely, if a compnay is wanting to speak to me about something personal, should they not have to pass some form of check as well? I'm not comfortable just dishing out my information...
  9. Hi forum people, I've been reading a lot of the posts here and I'm fairly sure I know what I need to do but would appreciate your advice too. I've been receiving letters/e-mails/texts and phone calls from Mackenzie Hall over the past couple of months all saying the same thing, i.e. we ned to contact the named person in relation to a personal matter etc but nothing more. I've recently come back from holiday and have received a letter from them finally detailing what they're chasing me for, the letter is below: Date of Letter: 28th August 2012 Ref: M******** Client Ref: ******* Pursuers: Cabot Financial (Europe) Limited Original Creditor: Egg Principal Sum: £****.** FAILURE TO RESPOND NOTICE Dear Mr ******, Despite previous correspondences you have failed to respond. We have obtained this alternative address as a financial link, linking this address to the previous abode. The financial link information was supplied by a credit reference agency. We have been instructed by our client to recover this overdue amount on their behalf. Our clients have informed us that they are unaware of any legitimate reason for non-payment of their account and although they would prefer an amicable settlement, they will not hesitate to take further action as may be appropriate. We trust that this will not be necessary and would request that you send your payment by the deadline below: ------------------------------------------------------------------------------------------------------------------------------- Payment Deadline: Noon, 4th September 2012 ------------------------------------------------------------------------------------------------------------------------------- If you have recently forwarded payment or if there is any issue you would like to bring to our attention then we would ask you to contact this office immediately by telephone on 0844 411 5068 Important: If you are not the named person above please contact us quoting Address ID: CM******** to stop any further communication. Now there are a couple of things I'm not sure about, I've checked my credit file (Check my file and Noddle) and they both have the same thing on there, namely, Egg have a default on there against me which shows payment history ok until August 2006 (When I started having trouble) 1st missed payment in September 2006 and then it shows debt assignment in October 2009. Then there's an entry from Cabot starting on October 2009 and it's still showing as default now. Both entries are obviously for the same Egg card and they both say they're reported until October 2012. My questions are this: 1. Is it normal to have 2 entries for the same account by 2 separate companies like this? 2. Can I send the Statute Barred letter now, or should I wait until October? 3. The date of default on the Egg entry states 26/10/2006 but the entry for Cabot says 01/10/2006, isn't the date of default usually a few months after the actual last contact/payment? I'm confident that I've not paid/acknowledged or contacted Egg in any way since the very beginning of August 2006 so I know that 6 years has passed but I'm worried that if I send the statute barred letter now just before it comes off my credit file will the timer reset? (Sorry if it's a stupid question but I'm really worried about this!). Thank you so much for any help you can offer! Ms Fogel.
  10. Ok my post yesterday was a little long and a complete rant!! In short, I have been getting phone calls from Freds about an account which is in dispute with MH, no letters were sent prior to this from Freds to say they had been passed the account and nothing has been heard from MH since Sept last year when I sent them a letter in response to the CCA they sent (2 months after the cut off date) I have stated I will not discuss the account over the phone and any communication should be in writing, after I stated this they sent me a letter asking me to phone them to discuss the account I need some advice really, do I sent them an account in dispute letter? Because I had sent MH a letter offering a final reduced payment but received nothing back from them. Send an SAR and claim all the charges and PPI back? Becasue I know there were an awful lot of charges as I came across old statements last night and every month they were charges for being overlimit, and I noticed some were even added when I weren't over limit which is strange? Any advice would be much apprecited thank you
  11. Hi all...Im new to this so please bare with me.....I had a payday loan with the dreaded Quick Quid all was fine until I had a bit of an personal issue and couldnt afford to pay my loan in full the amount to pay was around the £1500 mark. I contacted QQ and explained the situation and they agreed to split the balance over 4 equal payments. I payed the first two months fine but then my car imploded (Timing Belt) and I couldnt affort the full paymnet the next month. I expalined my situation to QQ and asked if I could either delay or re-arrange the amounts so id pay less this month/more next or extend the payments by one month, but as you can guess it fell on deaf ears.The debt got passed to Mac Hall and had the demanding letter from them etc. So I phoned them spoke to someone and payed the debt in full as requested and on time. (If only QQ would have listened - fools)On checking my credit file I see that defaults have been registered by BOTH QQ and Mac Hall so im showing two for one debt???QQ have put four D's in a row and Mack Hall two D's,both are showing settled..Can I have two defaults for one debt? I have phoned both companies and they both say its correct and I should take the matter up with the other party...Any advice much apreciated.
  12. Hi, My partner has been pursued by Mackenzie Hall for a credit card debt we know is not his for years. The first and surname is correct but the middle name incorrect. We have asked them a number of times to cease their harassment and requested a copy of the agreement and who the debt is owed to. Today an agreement arrived but it is NOT my partner's as we knew because we have never had a credit card. This agreement lists the other persons date of birth, no of dependants, address, previous address and bank account details!!!! It also has a letter attached to it that the debtor has written to the credit card company also including personal details about their financial status, employment and savings. This cannot be legal or ethical! We are furious and want to take some advice form you guys so that we handle this in the best way possible because these people need to be stopped!!! Who do we complain to first, and would it be an idea to contact this person's bank (not the same bank they held their credit card with) and let them know personal accounting details are being passed to strangers? We really want these people stopped so want to calm down and then take the appropriate action against them. Cheers,
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