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    • can you get some phots of the roof and eaves ect without trespassing on his property? insurers will have to amke good if it is your neighbours property that is causing the problem but i would ask a surveyor to have a look first so you know what to say from the outset to get the best outcome. Your local council also has powers to order them to take action but as they wont engage it may well take the 3 years you ahve given yourslef for the house move
    • you have been stiched up  but you really should have walked away from this well beofre reading the paperwork, let alone signing it.   However, the incentive is part of the contract, same as being given a free gift as part of a sale doesnt mean the retailer caqn give you somehting that is broken and not make good just because it was "free". so, back to the incentive and the terms you signed. Chances are the terms make the contract voidanyway but we wont knwo that until we see it. give us a good idea of what this is all about and you may well find a couple of people will give you the advice you need.
    • I have given them independent reports from two roofers that say they are beyond salvageable due to the upward curl on most of them along with a few cracked.    I have given them 3 quotes for removal (I was / am happy to pay for the reroof, but was based on it being slate as I could have taken it down myself.)    They have been out and taken photos themselves of the current roof along with pictures I sent in when we first found out it was asbestos after that was done was when they offered the £200 and they wouldn't comment any further on the matter.    They have asked me to have it tested officially opposed to an visual inspection but each time I ask them will they cover costs if it does come back as asbestos they ignore the question, three times I have asked.    It was 3 years ago but I first raised the complaint at the start of this year.    The age of the roof in question dates back to the 1920s when the house was built, the main building had its original bare Welsh slate roof with limestone mortar. 
    • Agree, you need to start a formal complaint and keep it in writing but also make it clear what you expect as an outcome. An apology and some commitment to better staff traing regarding general customer services but specifically handling of medical emergencies would be in order. They have a responsibility for the health and safety of all peopel on the premises and it does look like this point was sorely missed by the manager. i would also expect them to write off the cost of the ruined meal as well, you didnt paln in advance to ahve one of your party leave in an ambulance so their actions are pretty shoddy
    • so ask for a quote for their removal. you say due to the state of the tiles but give no indication as to what that is. You do need to have something specific to wave at them to get any movement and at the moment you dont. For all they know you could be telling lies just to get a few quid to go travelling with. so get proof of asbestos and a quote for removal if the roof is too far goen for repair. Pictures to show what they shopuldnt have missed will also bolster your case. I also note that it was 3 years ago so you have enjoyed the benefit of the roof for that time regardless of what it was made of. An estimate of the age of the roof will also be needed as that will help determine whether they should ahve been looking for such materials in their survey.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
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      Thanks for reading 
      • 16 replies
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I have been having payday loan problems for a few months now, and seem unable to break the endless cycle of repaying / relending or rolling over.

 

I have found this website and have been reading with great interest and its nice to know i am not the only person in this mess. I currently have 5 payday loans outstanding.

 

Speed E Loans - £200 + £56 interest

Cash Geine - £250 + £75 interest

The Payday Loan Company - £160 + £40 interest

Balance Loan £150 + £67 interest!!

Quick Quid - £624 outsatnding.

 

The main issue is the Quick Quid loan. I took this out in Jan for £400 and agreed to there two month plan £100 interest in Feb and £500 in March. I have not been able to repay this loan due to hours cut at work and other financial problems.(split with partner of 3 years).

 

I have been emailing QQ and agreed a 3 month plan of £208 per month at the time i thought i could manage this. No payments were made.

 

I recieved a text last week off mackenzie hall telling me it was now there debt and to contact them urgently. I spoke to a very unhelpfull lady today and explained my situation. I was told unless i could pay over 2 months at £312 per month which i cant, an attachment of earnings would be put in place and they could take upto 30% of my wage directly to cover the debt each month until repaid.

 

Has anyone else had any dealings with this company and how quick can this happen. I was told if no payment made by end of July they would be putting it in place for August!!

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first off - they cannot get an AOE unless they've initially taken you to court - has this happened? if not, its just threats. until they go to court and get judgement and you default on judgement they can do nothing.

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No not taken to court yet first contact with them was today

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No not taken to court yet first contact with them was today

 

They are just trying to frighten you in to paying. Personally I would send them a cca request and see if they are entitled to collect. As jamie says you are a long way off an aoe.

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Yes i was thinking that myself, what gets me is my only contact with them has been 2 text messages both identical. Surely you would expect something in writing or at least a phone call. All seems very strange.

 

I am willing to repay this debt just wanted to set up a payment plan so i could manage it better.

 

Has anybody else had there QQ debt passed on to this company and if so how have you dealt with them.

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Does anybody have an address for this outfit cant seem to find anything on their website?? As i have only recieved text messages off them i dont have an address to reply to.

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unit 1A

58 portland street

kilmarnock

KA1 1JG


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Don't forget to report Mackenzie Hall to Alan Stewart at East Ayrshire Trading Standards... they are 'under investigation' by them.

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Report them to the Office of Fair Trading they are ''monitoring their business methods closely''.

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Dear Gibby71081

 

I took a pay day loan out with Quick Quid. I then couldnt afford the payments so I went to the CAB who arranged a payment plan with them unfortunately I wasnt told of this plan so I started getting emails of them again after sending emails backwards and forwards to them they have now passed it on to Mackenzie Hall. I spoke to a really patronising bitch from them yesterday who told me that I shouldnt take pay day loans if I cant repay them I told her that my partner had lost his job and I was desperate she was so patronising when I told her that the CAB would be ringiing them on my behalf she told me that they wouldnt accept any offers from them and If I didnt pay then they would take me to court and an AOE would be applied would like to complain about this firm as they were very rude and aggresive.

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Hi, It's up to you how much you can afford to pay not MH.

A Judge is unlikely to award more if you can't afford it.

Report their attitude to Mr. Alan Stewart at Kilmarnock trading standard address is on their web site (East Ayreshire Council) go direct to them and report.

Also a complaint to The Office Of Fair Trading will be good the cannot advise on individual complaint but MH are already being monitored.

Have you received a default notice and a notice of assignment from the original creditor?

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I have recieved an email about the debt from quick quid but will have to read again when i get home, at work at the mo. Will update about the email i recived later.

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Got home tonight to a letter of these people that reads as follows;

 

DEFAULT ON FIXED-SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974

 

Dear Mr xxxxxx xxxxxxx

 

We write to you to give you formal notice that Quick Quid has legally assigned the rights to the above debtto Mackenzie Hall Debt purchase Ltd. This means that Mackenzie Hall Debt Purchase Ltd. now legally own your debt.

 

We act for Mckenzie Hall Debt Purchase Ltd. We have been instructed to pursue you for the full payment with immediate effect.

 

Take Notice: You should accept this letter as formal notification that unless payment is recived within 7 days then your account will be considered for legal action in the county court for recovery for the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount that you will be required to pay.

 

There will be no further warning - payment in full must be recieved no later than Noon, 23rd July 2010.

 

In the event that a judgement is obtained against you then it will be entered in the public register, the register of judgements, orders and fines.The details will be then passed to credit reference agencies, who will supply them to credit grabntors and others seeking information of your financial standing. This will make it difficult for you to get credit.

 

Your payment must be sent Mackenzie Hall immediatly. If you wish to pay by debit or credit card or disscuss the matter then you must contact our litigation team on XXXXXXXXXXXX

 

Any thoughts on what to do next is it still worth CCA them???

 

Help much apprecited

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If they don't have an original cca then they are not entitled to the money. I wouldn't be concerned about the 7 days. It will take longer that if they go the court route.

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Keep us posted of your progress gibby.

I'm currently waiting to see what action QQ are going to take as they have refused any offers i have made....and i know i'm not the only one. It's great that we can all support each other here.

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