MackenzieHall chasing old PDL

[JohnAMiller]

Recently I took out a payday loan (yeah I know I know - I should know better!) and then things changed - for the worse.

 

Now I get a letter from MacKenzieHall demanding £240 - but when I spoke to them (which I find out I shouldnt do now I read this site!) they offered to drop it to £172.00 - which I cant really afford but they will leave the option open to me until 30th November at 3pm.

 

Anyone got any advice? I havent been told the debt has been sold or anything - just this out of the blue.

[dx100uk]

fire off a cca request

 

dx

[babybear39]

Just another bunch of bottom feeders, file under ignore

 

Work with the OC to come to an arragment to pay and if they don't threaten them with reporting them to TS and the OFT.

[NailPost]

Make them earn their money. Get them to provide paperwork that proves you owe this amount and they have the right to collect. If they can't tell them to go away

[F_DCAs]

CCA request is best way forward - I've never known MH to honour a single CCA request.

[JohnAMiller]

Well now they have written to me each and every day and also started emailing and texting me - I know I dont get much contact with people sometimes but this is ridiculous! I never gave them permission to email me and I certainly dont want them texting me.

[ODC]

Block their emails as spam

[babybear39]

You could, if you wanted, sign them up to all sorts of nawty sites

 

I don't condone this behaviour though

[F_DCAs]

Send the CCA request recorded delivery at the very least, and keep track of it (retain proof of them receiving it). If you don't, MH will just deny ever getting the letter.

[Bazooka Boo]

Well now they have written to me each and every day and also started emailing and texting me

 

The letters are one thing but what they are doing now is harassment, by continuing a course of conduct which is a criminal offence, I wouldn't hesitate to report the matter to the Police, (not 999) and tell them that this company is harassing you, by emailing you, texting you and sending mail ever day.

 

If you have already told them that you will only communicate in writing then that is what they must do.

 

Report them to the Police, and mention the Protection From Harassment Act 1997 also the Telecommunications Act 1984

 

Aswell as the toothless OFT report them to Ofcom

 

 

[NailPost]

Before making a complaint to the police you must have told the harrassers (MHall in this case) to stop. Do that in writing and send the letter recorded delivery. Keep the receipt and check online to find out when it was delivered and who signed for it.

 

If the letters, texts and e-mails continue then you can report the matter to the police. Don't be fobbed off by plod who may tell you its a civil matter. It isn't, its criminal. If a pc tells you this ask for a senior officer, no one under the rank of inspector. Take notes and make sure you get names and shoulder numbers.

 

Meanwhile in your stop it now letter to MHall ask for their complaints procedure. They must have one as it is one of the conditions of their consumer credit licence. When they send it to you make a complaint on the grounds they are harrassing you by various means. They have eight weeks to come up wit a satisfactory response. Let us know how you get on.

[JohnAMiller]

Are there any template letters to ask them to stop harassing me? I would rather deal with all my creditors via letter than anything else - my phone is my own and I shouldnt have to be afraid to answer it.

[sploits]

Hi JohnAMiller

 

hopefully this link will help The Consumer Forums - Harassment

 

Sploits

[lostthewill]

Hang on in there, I made MH go away with a simple CCa request followed up after 12 working days and tehn 1 calendar month, they had no choice but to pass the alleged debt back to the so called creditor. (Who then also gave up because of no CCA!)

 

Listen to the guys and gals on here, they've never guided me wrong, and let us all know how it's going

[Bazooka Boo]

Before making a complaint to the police you must have told the harrassers (MHall in this case) to stop.

 

I Strongly disagree, there is no requirement for person A to tell person B that they want them to stop harassing them.

 

If person B continually contacts person A by whatever means;

 

Prohibition of harassment

 

(1) A person must not pursue a course of conduct—

(a) which amounts to harassment of another, and

(b) which he knows or ought to know amounts to harassment of the other.

(2) For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

 

There is no need to inform mucky hall that you deem them to be harassing you and to stop, this is judged by a court, if necessary.

 

Protection from Harassment Act 1997 (c. 40)