Mackenzie Hall HELP!!

[gibby71081]

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!!

[Jamie Kingston]

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.

[gibby71081]

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

[robjam1969]

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.

[gibby71081]

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.

[gibby71081]

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.

[sam614]

unit 1A

58 portland street

kilmarnock

KA1 1JG

[sillygirl1]

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

[Brigadier 1JCS]

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

[roxy2010]

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.

[Brigadier 1JCS]

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?

[gibby71081]

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.

[gibby71081]

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

[EBOY]

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.

[shanticat]

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.