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    • DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really??  but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
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    • Thank you. You left all your personal details showing on the invoice, but I've removed them. From Googling it seems the free parking is limited to one hour.  You stayed two.  There is no point appealing, you did overstay.  That's apart from the fact the private parking companies are just interested in £££££ and never accept appeals. We have other Iceland cases, Iceland as a company refuse to have these invoices cancelled. So it's up to you. Pay £51 and the matter goes away. Or refuse to pay.  Horizon very rarely do court.  We would support you all the way. 
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Quick Quid won't help! **


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hi.mc kenzie hall got my account already from quickquid. they require me to pay the amount in 7 days.if not they will proceed to legal action.they won't accept amicable settlement as they said i already ask for a CCA. they sent me the cca but through email.it's only electronic signature.will they still proceed to legal proceedings if i won't pay them in full?can anybody give me an advice pls.

:confused::(

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Hi honey

 

Muckhall are talking rubbish. Requesting a CCA is your right under the 1974 Act. This is nothing to do with reaching a payment arrangement. If you offer what you can easily afford most judges would take a dim view on legal action.

 

Personally I would tell them to get lost. Plenty on these cowboys in the dca forum.

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hi.mc kenzie hall got my account already from quickquid. they require me to pay the amount in 7 days.if not they will proceed to legal action.they won't accept amicable settlement as they said i already ask for a CCA. they sent me the cca but through email.it's only electronic signature.will they still proceed to legal proceedings if i won't pay them in full?can anybody give me an advice pls.

:confused::(

 

There has to be legal assignment and things like that before Muck Hall can take action in their own name.

 

I haven't read a case yet where a payday loan company have taken someone to court regarding a debt (unless someone can point me to one???).

 

This is because the interest rates are mindblowing (I recall one APR of 2346%) - just stay strong and don't be bullied by letters. Half of the time they are automatically generated ;-)

 

Chin up

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Heh, I'm also playing email ping pong with these people. Only been nearly 30 days now into the default, but I don't mind. I've set up default email template to respond to their templates. Even has a warning attached:

**WARNING: THIS IS A TEMPLATE EMAIL**

 

lol

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  • 2 weeks later...

I am going through the samething with QQ.

 

I have done alot of research and the way how they and all payday loans can act. First of all they can refuse any payment plans but they can not make you pay more then you can afford, but if you send them a payment no matter how much and what form even if is postal orders or cheques they CAN NOT REFUSE if they do refuse and send these back to you they are commiting an illegal offence,which is stated in the terms of section 40 of the adminstration of justice act. Mackenzie Hall can do the same and refuse any payment plan but they can not make you pay more then you can afford, as like quick quid they can not refuse any form of payment that you send, if they do they are again commiting an illegal offence. As Mackenzie Hall is only a DCA they can not take you of freaten you with or take court procedings they can how ever state about court action, in order for court proceedings MH has to pass your debt to a solicitor as they will also have to communicate with you about your debt, once it gets to this stage or if it gets to this stage they normaly eccept what you can afford so dont worry over this as it is easley can be settled. If you still are unsure about this then go to this link it will explan in more detail. http://www.insolvencyhelpline.co.uk/debt_factsheets/harassment_of_people_in_debt_by_creditors.php

Edited by Kev222
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i made arrangement to apy aloan of £1000 over 3 months from end dec=really gonna cause me problems - should i default this and see what happens- qq was one of 6 loans and the stress caused me to arrange to pay over 3 months - all others accepted reasonable offers.

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i made arrangement to apy aloan of £1000 over 3 months from end dec=really gonna cause me problems - should i default this and see what happens- qq was one of 6 loans and the stress caused me to arrange to pay over 3 months - all others accepted reasonable offers.

 

They cannot refuse to apply payments onto the account under section 40 of the Administration of Justice Act 1970.

 

So only make the payments YOU can afford!!!

 

If it ever went to court, and I doubt it would because they are afraid of exposing their extortionate APR to the judiciary, then you never be asked to pay more than you can afford by a judge.

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Hi JMW69

 

Regarding your possistion with QQ first thing can you afford to pay in 3 installments if you can keep this going and dont default, If you cant and if this is going to leave your living expencess short then let them know but dont hold your breath if they wont reduce the payments lower. Going into default can be more worring then not paying the default has to be your choose alone to make on the fact that you are or unable to afford.

 

First make them awear that you know the section 40 of the aministartion of justice act 1970 this protects you from any form of harassment they they may impley. If you wont to go into default report your card lost as the repayments come from the card and not your account nmber then send them a postal order with what you can afford make a photo copy of this for your records then send it by recorded delivery or special delivery as this is proff of postage they may not freeze the intrest. If the postal order is returned to you get incontact with your local traiding standers.

Please make the right chose for you self and Good Luck.

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Thanks all

I actually defaulted in Oct and agreed to pay the outstanding interest of £200 at end of nov. Since then I reluctantly agreed to pay the loan of £800 plus another £200 interest over 3 months- horror stories of DCA had me spooked. This was now £337 at end of dec jan and feb- Ive not heard from them regarding payments or email to confirm this via paypal which is how i paid the £200 last month. Thing is I can't now pay this and worried about what they will do next? Any advice welcome.

My other loans all accepted reasonable offers .

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It seems to be that you are in a tight situation. Have you thought about going to a debt management company. These people can help you and reduce your monthly debts to a more relistic amount that you can afford.

If you do decide a debt managment program do not go with money worries, go with a well known company. This may be a more suitable chose for you if you are struggling to pay your debts off.

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  • 2 weeks later...

Hi Guys,

 

Having the same kind of problems with QQ. I defaulted at the end of November, I cancelled my card and ordered a new one from my bank, although I didnt change my bank account. I know through speaking with my bank that they have tried on a few occassions to debit my old card, but without success. hehe. Anyway, since the end of November, I have been playing email ping pong with them. They sent me the normal 3 month offer to which I replied that I did not find it acceptable, and instead offered to repay over 6 months. Then the same email came back "your situation has been noted". The other evening, I got a bit tired of all the emailing, and I told them that I believe my repayment offer is acceptable, and cannot understand why they are so reluctant to accept. I told them that should this ever go to court (which I know it will not) I have all the email correspondence from them showing their unwillingness to co-operate and that on 3 seperate occassions that I have offered them a fair repayment plan, which they have rejected. I told them that my offer was more than acceptable, and that I was sure any judge would agree with me, in comparison with their extoritionate APR rates. Playing them at their own game. After this they send me their usual "your situation has been noted" to which I replied that this is not an appropriate reply to my previous email, and that if they do not send me an appropriate reply explaining why they will not accept my offers, that I will be making a formal complaint to the FSA. I told them that they have 24 hours to reply, in which time I will be preparing my complaint. The next day I had an email saying my situation is being reviewed and that they will contact me in the next 48 hours. So we will see what comes from this.

 

Also from the start, I have insisted that they keep all communication in email or writing, and refuse to deal with them on the telephone. They have called my mobile about 2 times, my work 3/4 times (I told them it was the wrong number) and about 5 times at my home telephone, so i'm not being harassed too much. I'm sticking to my guns on this one.

 

Will keep you posted.

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  • 4 weeks later...

hi there, can anyone tell me, if companies such as QuickQuid don't check your credit score before offering you their loans, can they record the default on your credit report? I had a letter from them today telling me they will do this .....

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Hi.

 

Payday loans don't normaly check your credit score, but some do. When you signed you agreement with them you signed the credit consumers act which means that they can apply this to your score as it is a form of credit.

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Hi Guys

Am worrying myself silly as my £1012 I owe QQ- its actually £800 without interest has now beeen 90 days in default- can't add to my payplan agreement cos ive not made 3 contractual payments - am expecting it to go to mac hall any day and worried - willing to pay £100 a month - has anyone anything good to say a bout them or am I in for trouble- don't think payplan will add it on but maight email them- said they couldn't initially.

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Hi The first thing is if you email them you will only recieve an email back stating that you your situation has been noted that is all hat will happen emailing them is a waste of time. They will only make a payment plain with only 3 payments it normally starts off with half the amount that you owe then 2 half payments off the rest.

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  • 4 weeks later...
Hi Guys

Am worrying myself silly as my £1012 I owe QQ- its actually £800 without interest has now beeen 90 days in default- can't add to my payplan agreement cos ive not made 3 contractual payments - am expecting it to go to mac hall any day and worried - willing to pay £100 a month - has anyone anything good to say a bout them or am I in for trouble- don't think payplan will add it on but maight email them- said they couldn't initially.

 

Anyone with recent experiences? I have received the email and telephone message from Mackenzie Hall, called and explained that I can only afford a minimal monthly amount. I have been questioned as to why I took the loan if I couldn't repay it, and have been threatened with CCJ, followed by attachment of earnings or baliff. Help!!

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Hi

 

Ok I see that you are having trouble with Mac Hall, They should not ask you if as to why you took the loan if I couldn't repay it, that is not a concern to them they should only be asking you to repay it back.

Second they have no rights in any way to freaten you with court even if they stated ccj as they do not have the power to enforce this. In a previous post I had placed a web address which I think you should go to it, its starting the law on section 40 of the administration of justice act which so far they have violated. This is what you should do can you record conversations on your phone if so record them and keep it safe, also not down the time and date of the call and what is said that seems to be any form of harrasment once you have this get incontact with trading standerds or the office of fair trading, they can not bully you in any way with situations with bulling you are in control. Mine will go there soon and I cant wait for Mac hall to call as I am going to have a field day with them.

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  • 4 weeks later...

Hi hotscot1983

I have only recivied an email from Mac Hall I will be calling them some point today which they will have no idea who they will be dealing with I will keep you posted.

Next the way you can deal with them is to read and understand section 40 of the administrations of justic act here is a link that will help you with

http://www.insolvencyhelpline.co.uk/..._creditors.php , Read it if you get stuck on any of these let me know. Next get them to call you on your mobile or you call them from your mobile record all the conversations that you have with them store them do not delete as this will help you in future use. Do not let them bully you or back you up into a cornor that you can not fight your way out of. If you fill trapped and bullied stop all communications with them and speak to some one at trading standereds or office of fair trading and they will sort them out for you as they have a bad name with them. Let me know how you get on and best of luck.

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Thanks Kev, let me know what you think of them. Yesterday my first impression of them left a lot to be desired. The girl started asking me why i took out the loan in the first place, she told me well the company that you work for is known to pay quite well.... sh*t like that. I was livid. I told them that they have no right to pursue me in this matter, since QQ failed to supply me with my CCA, and to basically bugger off as i'm not dealing with them since they have no legal right to chase me (QQ shouldnt have passed this on).

 

Will read the act you sent me, sure it will make for some very interesting reading!! Thanks Mate, let me know how the call went!

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Hi hotscot1983

I have just finished my conversation with mac hall and I had a field day as I prodicted basicly the company do try and bully people the best way they can, before the woman started to bully me i basicly said shut up and i will talk my plain came to a head she did ask me why I could not pay it back when it was due and I said its got noting to do with you and my payment proposle has been agreed and worked. So keep calm dont get worried when you talk to them keep ferm and be able to bully them back what you say make it sound that you mean it and that your word is final.

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