Mackenzie Hall will only deal with you by telephone?! (amongst other things)

[smurfetty]

I'm having problems with MH since i became unemployed. My Quickquid loan went to MH after i couldnt afford their 2 month plan. MH, by phone, told me 'pay what you can afford'. since then I received contradicting letters within a day of each other. one saying 'set up a plan' and the next day, saying 'we need the full amount in the next 24 hours'.

 

I emailed them my monthly offer, and got no response. so sent an RD letter including a budget sheet and they sent a letter saying they would apply to the courts. I paid them anyway and they sent me a letter showing the payment but in the letter said that I havent paid anything into the account?!

 

i sent another letter saying i was still going to pay and that I had paid, e.t.c. they responded by email saying my offer (which they decided to double) was not going to be accepted as it would take too long to clear. instead they can only offer full balance in 3 installments and that I have to contact them by phone to arrange. 2 days later they email me demanding full payment in 3 days and that they will apply for a CCJ and if unemployed then a 'Warrant of Execution would be issued for Seizure of Assets amounting to the outstanding balance' They say in order to stop this I have to phone them?!

 

Where do I go from here?! Do I respond by email?! Write them another letter? Do I really have to phone them?! I have sent them numerous letters and budget sheets stating I can only afford x amount and have paid these amounts. Can they really get the warrant to seize goods?!

[BRIGADIER2JCS]

How old is this debt,and when did you make the last payment?

In your situation a Judge would most likely agree to your offer

may be even less.

Is it a large amount.

[firstship]

Hi...MH gave you the correct advice PAY WHAT YOU CAN AFFORD this is all you are required to do do................they can be real B..................ds ..write to them and confirm you will only deal with this matter in writing....block their email address.............MH are making threats to you all over the place,do not phone or email them,if they phone you refuse to answer their security questions,tell them in writing only.do not send them I&E information.Simply write make it clear you are out of work,make them a fair honest offer of payment that you can afford,ignore their threats,"its not enough"just carry on paying the amount,should they take you to court (which i doubt) the judge will not view their threats as acceptable,just make sure you stick to the payments that you have told them you can afford,and they will calm down or pass it on to another pond life DCA..........................FS

[esmerobbo]

Typical Mucky Hall tactics, The simple answer to your question is yes they could seize goods.

However it is extremly unlikely that it would ever get to that point. If you are unemployed and on benefits you decide what you can afford.

 

If they did apply for a judgement, a judge would only award them what you could afford and that would probably be as little as £1 per month, if you are unemployed. You would then have to fail to pay the monthly award. And they would then have to go back to court to get enforcement.

 

They are trying to scare you into entering an agreement to pay. You decide what you can afford not them. Send them a letter stating your offer you do not need to send then a income/ expenditure sheet thats none of their business. Only a court can insist on that. Keep paying what you have stated you would and dont talk to them on the phone. They plan to intimidate and scare you dont let them.

[Papa_Smurf]

I agree with the above posts. I would advise you not to pay by direct debit as MH could increase the amount at their end and keep all the letters you get from MH.

 

As for a Warrant of Execution for seizure of Assets, MH would need to goto court where a judge would decide if he does/doesn't issue a CCJ. Only then IF you failed to keep up payments on the CCJ would bailiffs get involved in the seizure of assets.

 

As you're unemployed you need only pay what you can afford. You decide the monthly amount. Unemployment benefit is the minimum a person needs to live and is for basic needs only. It's not for paying unsecured debts and a judge would be aware of this. If MH took you to court they would already be aware that a judge may only make you pay £1 per month while you're unemployed.

[Papa_Smurf]

I forgot to add, smurfetty, are we related?

[alfwithhair]

Total F**k Hall intimidation

Pay them what you can afford if they don't like it tough, no court is going to make you pay anymore then you can reasonable afford, they would be lucky if they got more than a £1 a month

DO NOT speak to this shower of s**ts on the phone they are total liers and will tell you anything to extort money from you.

 

Have you CCA'ed QQ to see if they have even got any enforceable agreement?

 

Personally I wouldn't even stir a brain cell to anything F**k Hall say, they are the lowest level collection **** on the planet and only try to collect on the S**t nobody else will touch with a barge pole.

 

Do not be intimidates by them, they have no powers whatsoever. They will not be sending any bailiffs or anything else they are full of s**t.

 

Unless they own the debt, which is highly unlikely, they cannot initiate court action, only QQ can do that and even if QQ do, you would have to default on the payment arrangment of the judgement and they could then apply to the court for a warrant.

 

What sort of balance are we talking about here?

 

Do not lose any sleep ever the likes of F**k Hall, their letters and emails are tailored to scare you into thinking they have some sort of authority to do something, they haven't, they can do jack s**t.

[dx100uk]

what is this debt?

 

when was the last time YOU made your last 'use' of it in/out before you started to be fleeced by them?

 

typically these fleccers work on debts that no-one else will touch because they are unenforceable or statute barred.

 

tell us the history of the debt please

 

dx

[Guest HeftyHippo]

First thins first. what debt is it? how old is it? Do MH own the debt or are the collecting for some one else?

 

Only the owner of teh debt can start legal action, so if MK dont own it, they are telling lies.

 

If the owner starts legal action, they will have to prove their actually is a debt, that there is a valid agreement eyt. Have you checked that out?

 

They may get a CCJ, where a judge will decide how much you will pay. Usually, that figure is lower than they can get voluntarily, so there is a reluctance to start legal action in genuine 'cant pay' cases. Any figure set by a judge is FIXED. The creditor has to go back to court to get it changed, so legal action is a genuine last resort.

 

Bailiffs can only be instructed after a CCJ has been made, AND you have failed to comply with it (and it takes an extra court application as well). It is not a case that someone takes you to court, and the bailiffs come round!!! If MK say it is, then thats more lies!

 

MH are at the bottom of the food chain, ie, they use the most despicable tactics, tell the most lies. Why? Becuase they mainly deal with debts where there is the least chance of collecting. If there is the least chance of collecting, would you risk more money starting legal action? There's no chance unless the person has real assets that can be realised. If you rent your home and don't have a job, legal action is more money down the drain.

 

Sadly, what you have been told is standard stuff, read teh forums and you will see other people who have been scared out of their wits by these letters. Thats the intention. In time, you will stop being scared and start being angry. Then you will take the fight to them and start complaining. In the mean time, read the forums and you will get a better picture of your situation.

[NailPost]

Mackenzie Hall, like all other debt collecting cretins, do not have any rights over you or anyone else of any kind. They cannot order you to phone them, stick to their ridiculous deadlines, take advantage of their discounted settlement offers nor can they demand inform,ation about your financial affairs from you. They think they are important but they are not. They like to think they know it all but they don't.

 

If you must contact them (in writing or course) you tell them to go away. If they don't you report them to their reguklators. Not that they ever do anything but it will all stack up.

[Guest HeftyHippo]

 

If you must contact them (in writing or course) you tell them to go away. If they don't you report them to their reguklators. Not that they ever do anything but it will all stack up.

 

Sadly, if they do own the debt, not dealing with the issue could lead to them getting a CCJ or adopting more aggressive tactics. Find out the facts and deal with them as they are. Do they own the debt? Do they have a right to collect either for themselves or on behalf of anyone else? Is this debt yours? Is there actually an enforceable debt? Start with the basics and work through it to determine your legal position. It could be that this debt is not enforceable, but simply ignoring them wont make them go away. Knowing its not enforceable will give you the knowledge of how to stop them bothering you.

[dx100uk]

it would be nice if it op replied to the questions asked..........

 

dx

[sillygirl1]

Get hold of Alan Stewart at East Ayrshire Trading Standards and let him have the letters and details of the phone calls, he is very good at getting them stopped.

 

If you are unemployed and they try for a CCJ that is your ultimate defence, you are unemployed. They cannot send anyone round to pre-assess your assets or come to an arrangement with you.

 

Get onto Alan Stewart asap.

[NailPost]

If Alan Stuart is so good at getting MHall stopped why are they still the subject of so many threads on these forums?

[sillygirl1]

Because sadly the people who can close them down, ie the OFT think that a period of re-education is better than taking away their licence to operate.

 

However the more complaints Mr Stewart has the more he can throw at the OFT to get them closed down.

 

The other argument is that MH provide jobs in very deprived areas and don't care who they employ as long as they can use a telephone...

[smurfetty]

WOW thanks for all of the replies. I totally forgot to check back once I had posted. Have bookmarked the site now.

 

the debt is enforcable?! as its recent. it got sent to MH a few months ago when QQ's only payment plan was 2 months 50/50. I never requested a CA as i owe the debt?! MH sent me a letter saying they legally own the debt now and have harassed me by letter ever since saying 'this is your final warning'. I have received at least 5 'final warning' letters!

 

I don't want the CCJ route as they will only tell me to pay £1 a month and i don't really want to pay less than £5, as I actually do want rid of it! The amount is £300.

 

I didn't block their email address as I thought this might annoy them even more. I have kept in contact with them throughout, but they are the only DCA to completely ignore my situation/payments.

 

However i haven't heard from them since the last email and I have paid as usual. Have they started to listen?!

 

oh and Papa Smurf, yes we are related

[dx100uk]

follow FS advise as in post 3

if you want to pay £5 then do so.

i'd rather use SO than DD though as others have advised.

 

dx

[tindwcel]

I didn't block their email address as I thought this might annoy them even more.

 

Now you are having a laugh!

 

If not, then remember that there is nobody there to get annoyed. To them you are just an entry in a database stored in a computer. Computers don't get annoyed; they have no soul. Neither has Mackenzie Hall.

[smurfetty]

follow FS advise as in post 3

if you want to pay £5 then do so.

i'd rather use SO than DD though as others have advised.

dx

Yea SO is easier, but they accept cash deposits at RBS with a reference. and i've found this a lot easier! I'll continue with the advice you have all given thanks!

 

Now you are having a laugh!

 

If not, then remember that there is nobody there to get annoyed. To them you are just an entry in a database stored in a computer. Computers don't get annoyed; they have no soul. Neither has Mackenzie Hall.

LOL!!!!!!! *goes to block them*

[WBB]

I had dealings with this mob, and eventually spoke to a woman who was sympathetic, understanding, and accepted my offer of £25 a month, which is all I could afford. I owe the money, so want to pay it, but at levels I could afford to pay. Unfortunately I didn't take her name. It took me 9 months to get to this point. I had previously had threatening conversations, and loads of messages / emails. They could have had over £200 back by now, if they had not used their ignorant, bullying tactics. The debt is originally from Quickquid. I'm paying by standing order, so it is under my control.

[lord_tiger_putin]

I'm having problems with MH since i became unemployed. My Quickquid loan went to MH after i couldnt afford their 2 month plan. MH, by phone, told me 'pay what you can afford'. since then I received contradicting letters within a day of each other. one saying 'set up a plan' and the next day, saying 'we need the full amount in the next 24 hours'.

 

I emailed them my monthly offer, and got no response. so sent an RD letter including a budget sheet and they sent a letter saying they would apply to the courts. I paid them anyway and they sent me a letter showing the payment but in the letter said that I havent paid anything into the account?!

 

i sent another letter saying i was still going to pay and that I had paid, e.t.c. they responded by email saying my offer (which they decided to double) was not going to be accepted as it would take too long to clear. instead they can only offer full balance in 3 installments and that I have to contact them by phone to arrange. 2 days later they email me demanding full payment in 3 days and that they will apply for a CCJ and if unemployed then a 'Warrant of Execution would be issued for Seizure of Assets amounting to the outstanding balance' They say in order to stop this I have to phone them?!

 

Where do I go from here?! Do I respond by email?! Write them another letter? Do I really have to phone them?! I have sent them numerous letters and budget sheets stating I can only afford x amount and have paid these amounts. Can they really get the warrant to seize goods?!

 

It is payday loan with the 2000+% interest rate, I am sure they will be wary to go to court on that rate!

[smurfetty]

I've continued paying as i said I would and haven't heard anything back from them.

[Bazooka Boo]

Hello Guests!

Because you are paying them something rather than nothing, is what is stopping Muckhall from taking you to court, they would be laughed at and the Judge would tell you to pay these fools £1 a month.

[dpick]

As Bazooka Boo says you are paying them and as long as that payment is realistic you have nothing to worry about. MH are just gutter cleaners they are known for these tactics and the phone monkies are on comission so all they want is a payment they will threaten anything on the phone to get a payment. Just keep paying what you can afford they wont take you to court in-case the judge awards them less each payment.

 

dpick