Quick Quid advice required **

[Little Lady81]

Hi All,

 

Wonder if I can ask for some help please - I got in a bit of a mess with payday loans PTP and Quick Quid and defaulted at the end of Feb. I am managing to negotiate (touch wood) with Clarity agents for PTP to make a payment arrangement but Quick Quid are just been a nightmare - I have had numerous calls from them (from the USA) despite quoting telephone harassment in an email to them and they have replied to my repayment offer and said they can only accept 3 payments but I can't afford the payments they are asking for thing is they are now also sending letters on their company branded envelopes to my home address......just embarrasing. I am not trying to get out of paying them but the payment plan I am offering is over 6 months rather than the 3 they want. Does anyone have any more advice of where I can now go with these vultures or how I can negotiate further?

 

Many Thanks

[adamski]

They wil sell the debt to Gothia who u wil be able to negotiate with they even offer a reduced F&F offer just stay cool

[robjam1969]

They wil sell the debt to Gothia who u wil be able to negotiate with they even offer a reduced F&F offer just stay cool

 

Gothia will accept a fraction of the debt as a full & final. However QQ do pass to Muckhall as well. They appear to be harder work.

[Little Lady81]

How long do QQ wait before passing? I really don't want debt collectors knocking on the door.

 

I had an email from them today, they have detailed they will accept 4 payments but requested my debit card details which I do not want to give as from reading other posts in sections QQ seem to think you giving them new card details allows access to all money they are entitled to and I simply cannot do that.

 

I feel so foolish for allowing myself to get into this blooming mess.

[JGJ]

subbing

[Little Lady81]

Hey,

 

I will try to make my long story short - I stupidly took out a payday loan with Quick Quid (an american company) last year and after months of rollover fee's decided I could no longer pay them the amount they required so contacted them to try negotiate but they would only accept settlement over 3 months which I could not afford to do. Basically after much email tennis they have now sold my debt to Mackenzie Hall who have been trying to contact me for the past 3 days. However, I CCA'd Quick Quid back in March and formally put my account in dispute with them in May to which I have no had responses to any of my letters when I informed MH off this when I spoke to them Tuesday they said they didn't care what had gone on with QQ they had now bought the debt as QQ are american and have no collection centre so my CCA request doesn't count. I am so mad at their attitude with me on the phone - I told the guy I was seeking advice (as I was thinking of going to Ombudsman/Trading Standards) anyway and I would contact them he said he doesn't understand why I am seeking advice and they will continue collection procedures and that is that. I ended up putting the phone down on them anway but I was under the impression if you had done a CCA request with a comany it was illegal for them to sell the debt on without responding?

 

Also in the meantime does anyone have any advice how to deal with the Mc Hall monsters?

 

Thanks

[alfwithhair]

Do not waste your time ringing the showers of parisites.

If you sent a CCA request to QQ and they failed to comply, then you were right to put the account in dispute.

 

Just write to mucky hall infoming them that the account was in dispute prior to it sale to them and will remain so until such time as your request is fulfiled. Then ignore them.

 

What they told you on the phone is complete tripe, they use these kind of bully boy tactics to secure payment

 

Muckies are the lower end of the dca chain who feed on the scraps no other dca's will touch with a barge pole.

 

Incidentially, did QQ ever issue a default notice?

[Brigadier 1JCS]

QQ must have a base in UK so I can't see why MH are arguing apart from their usual crap disordered think, they still provide a contract/agreement in my opinion.

Do not ever phone them again.

Send CCA Recorded to Mh.you can at this stage I think safely put the debt in dispute as well.

[Halibutt]

Just a quick point - if Quick Quid are an American Company, do they have a UK base?

 

If they are providing loans from and within the UK then they should be bound by UK Law and therefore, should respond properly to a CCA request.

 

That would mean that M/H have no power to collect if the account is properly in dispute and they have no option but to return the alleged debt to the original lender. Sounds like M/H have bought a non-enforceable account.

 

The "advice" that Mackenzie Hall gave about an American company would seem to be the main point. We need to know if QQ are bound by UK law, don't we?

 

I'd start by sending the Account Already In Dispute letter:

 

 

By Royal Mail Recorded Delivery

 

ACCOUNT IN DISPUTE

 

Date:

 

Dear Sir or Madam,

 

Account number: XXXX XXXX XXXX XXXX

 

I am in receipt of your letter dated XXXXX

 

This account is in dispute with **original creditor/DCA** and has been since DATE .

Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My previous dispute from **DATE** has NOT been answered.

 

As **original creditor/name of debt collection agency** are now in default of my Consumer Credit Act agreementrequest and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Tradings Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

Yours faithfully

PRINT NAME -DO NOT SIGN

[alfwithhair]

Alex King, Managing Director of QuickQuid, one of Britain’s leading short-term lenders

 

QuickQuid is the premier online provider of same-day§ cash advances in the United Kingdom. Our fast, convenient services have helped thousands of Britons bridge the gap between paydays from the comfort and privacy of home.

 

QuickQuid provides you with the peace of mind you can only get from a fully licensed lender.

 

With a Typical 2278% APR would not be giving me peace of mind, be having nightmares

• Consumer Credit Licence #603395/1 under
  the Consumer Credit Act 1974
  
• Information Commissioner's Office registration
  #Z9919587 in compliance with the Data Protection
  Act of 1998
  

I rest my case

Edited July 15, 2010 by alfwithhair

[rameses_qc]

Whatever MH tell you is a pack of lies and utter garbage. They are absolutely the worst DCA ever (apart from Thames Credit)The advice you have is sound. Ignore the idiots until they come up with the documents they MUST have to be able to try to collect. *uck Hall have no powers whatever to do anything to anyone at any time, the same as all other DCAs, except that *uck Hall tell more lies

[Halibutt]

Nice one Alf. In that case, Macenzie Hall can quite legally be told to Foxtrot Oscar and return the debt to the OC and await the CCA request to be satisfied

[rameses_qc]

In fact, while I remember, I was told the following, on the same day, by different M.H. Monkeys1. The Limitation Act 1980 didn't apply to them as they're in Scotland2. The 6 years starts from the date they finally contact you3. The Police have powers to remove your car if you don't pay4. They can add whatever charges they like to a debt

[babybear39]

FFS! The bloody Kilmarnock cowboys are at it again with their delusions of grandeur! They can't even read let alone comment on LAW

[F_DCAs]

In fact, while I remember, I was told the following, on the same day, by different M.H. Monkeys1. The Limitation Act 1980 didn't apply to them as they're in Scotland2. The 6 years starts from the date they finally contact you3. The Police have powers to remove your car if you don't pay4. They can add whatever charges they like to a debt

 

 

All four of which are misleading, and if I were told any of those four, I'd instigate OFT complaints about each of them.

[Brigadier 1JCS]

Whilst laying into the poor darlings in the Kilmarnock Kowboys why not list every

bit of the cr*p and make one very large complaint to the OFT.

I had a chat with a nice lady from OFT a couple of weeks ago and have been

assured that Muck hall are being closely monitored regarding their fitness to hold a consumer credit licence;)

THE MORE THE MERRIER FOR US THAT IS!!

[NailPost]

The credit licence is registered to Casheuronet UK LLC whose address is given as Abogado Nominess Ltd, 100, New Bridge Street, London, EC4V 6JA

This does not correspond to the company number which is shown as removed on the CH website.

 

If you have sent QuickQuid a CCA request there is no need to do the same for MHall. The account in disupte letter is more than enough. You must send this letter recored or they will deny receipt. If they continue to press you for payment report the scumbags to the OFT. You'd be advised as well to tell East Ayrshire Council all about this latest escapade - they know all about this firm.

[Fred Bassett]

FFS! The bloody Kilmarnock cowboys are at it again with their delusions of grandeur!

 

Delusions of adequacy would seem more appropriate.

[Fred Bassett]

Mackenzie Hall's new website:

[Little Lady81]

Thanks for all the advice and the good letter which I sent to Mc Hall via email and recorded delivery post yesterday. I am still receiving phone calls from them though so was thinking of sending the telephone harassment letter. Do they send collecting agents round to the house? It says they want full payment off me by noon on 23/07!! I will await their response anyway, is anyone further in the process than myself with this awful firm. I made a note from another thread I saw on here aswell that apparently Alan Stewart @ East Ayrshire Trading Standars is dealing with several complaints already for Mc Hall and apparently monitoring them v closely!

[Halibutt]

If it was me, I'd send two more letters by recorded delivery:

 

1. The Telephone Harassment letter and include a copy of your Account in dispute letter.

 

2. The No Doorstep Visits letter, again including a copy of your Account in dispute letter.

 

On both 1 & 2, put at the top "Account In Dispute" and keep copies and receipts for Recorded Delivery posting.

 

That way you can prove everything.

 

They're not allowed to take collection action on a legally disputed account, including sending doorstep collectors. If a collector did turn up, you could simply hand them a copy of your No Doorstep Visits letter and politely tell them to leave your premises and then close the door on them. There's absolutely nothing they can do without a Court Order.

 

If they persist, then I'd make a formal complaint to OFT, Trading Standards, etc. and copy the complaint letter to McKenzie Hall by recorded delivery again. That should shut them up!

 

Others here may have a more simple solution though!

Edited July 23, 2010 by Halibutt

[Bazooka Boo]

You really MUST make a formal complaint about Muckhall to the OFT/TS via consumer direct:Consumer Direct - Contact us

 

Keep a diary of events aswell, any phonecalls they make after being told not to, is harassment, and a criminal offence, so you could, if you are like me, take a trip to your local Police station and report Muckhall for the offence of harassment.

 

They are also in breach of the communication act;

127 Improper use of public electronic communications network

 

(1) A person is guilty of an offence if he—

(a) sends by means of a public electronic communications network a message or other matter that is grossly offensive or of an indecent, obscene or menacing character; or

(b) causes any such message or matter to be so sent.

(2) A person is guilty of an offence if, for the purpose of causing annoyance, inconvenience or needless anxiety to another, he—

(a) sends by means of a public electronic communications network, a message that he knows to be false,

(b) causes such a message to be sent; or

© persistently makes use of a public electronic communications network.

(3) A person guilty of an offence under this section shall be liable, on summary conviction, to imprisonment for a term not exceeding six months or to a fine not exceeding level 5 on the standard scale, or to both.

(4) Subsections (1) and (2) do not apply to anything done in the course of providing a programme service (within the meaning of the Broadcasting Act 1990 (c. 42)).

Communications Act 2003 (c. 21)

 

So they need to be reported to Ofcom for Consumers

 

Those two letters H posted can be sent together, and if you don't wish to spend the extra for recorded delivery, just get proof of postage.

 

TBH though I wouldn't waste my time, they can't read as no adults work for Muckhall, just hang up if they ring, and if they can actually afford to pay for the petrol and employ a knuckle head to knock your door, it simply foxtrot oscar or I'll call the Police to have you removed, then put the wood back in the hole and go make a cuppa!

[Little Lady81]

Thanks peeps for all your help. These guys from Mc Hall want to go and crawl back under their stones....I don't know how they sleep at night

 

I like it Bazooka Boo.....I will tell them to foxtrot oscar! lol

[Little Lady81]

Please can you review the attached CCA reply for Mc Hall and give me any advice. Many Thanks

McHall1.pdf

McHall2.pdf

[indigo_child]

you need to re-edit your pdf sharpish, i can see personal details!