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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Mackenzie Hall HELP!!


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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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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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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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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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