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    • Not sure about the lease read through all the documents i have and couldnt find anything about parking. Contacted the management Office to get a copy sent to me. When i complained to them about the ticket they told me to appeal so they clearly don't care.      and yes it's a gated underground parking area with key fob entry. 
    • The coronavirus pandemic has thrown many countries into recession - but what exactly is it and how could it affect you? View the full article
    • Oh and before bed   Officially leaked statements about a PHE report claiming that a UK study will say there is little evidence of children transmitting Covid.   Leakers stats look impressive until you realise he's on Johnson's SAGE so makes you think - huh - hows that then when all the science I've seen says different, and there are a number of reports of spreads in schools across the world from schools that had opened.   Then, little as the information 'leaked' is, you see   "largest studies in the world on coronavirus in schools" and then "The study was carried out in 100 institutions in the UK and is expected to be published later this year. About 20,000 pupils and teachers in 100 schools across England were tested to monitor the spread of the disease up to the end of the summer term – which runs from April-July in Britain."   Then you click. That averages 200 pupils and staff per 'institution' checked We dont know what these institutions are, but I think over 200 is the average for infants schools. Other schools tend to be FAR larger. Did they test everyone at each institution, or just some ??? we don't know yet - they are choosing not to leak that - Wonder why?   We currently understand that younger children (pre teenage) seem to present few/less symptoms  (statistically) but large increases in teenager covid has been reported as lockdowns ease and they start to meet more.   I know my OH's grandson (mother a nurse) has remained at school in classes one third or less that normal, with the majority of kids having front line worker parents - so well aware of the discipline and hygiene necessary. We know the schools maintain distancing, monitoring and maintenance which would be IMPOSSIBLE in normal class sizes.   So in a lock down situation, with class sizes significantly lower than normal (highly aware front-line workers kids mainly), increased distancing and cleaning made possible by SIGNIFICANTLY smaller class sizes - Has maybe resulted in no great evidence of covid spread perhaps?   Well Whoopy do. Lets ramp the class sizes back up to 30+ and see what happens ..     Lets let the mail lead the way Coronavirus infection rates are rising in ALL age groups under 65, Public Health England data shows with biggest surge in under-fives which 'should be watched very carefully' https://www.dailymail.co.uk/news/article-8615423/Coronavirus-infection-rates-rising-age-groups-65-Public-Health-England-data-shows.html     and the ONS stats showing how similar the stats are (a statistically significant  difference can be very little actual difference)   https://www.ons.gov.uk/peoplepopulationandcommunity/healthandsocialcare/conditionsanddiseases/articles/coronaviruscovid19infectionsinthecommunityinengland/july2020     Notes: These statistics refer to infections reported in the community, by which we mean private households. These figures exclude infections reported in hospitals, care homes or other institutional settings.  
    • i understand and agree you should write a formal letter of complaint about the email by royal mail.   i also think you should totally dispute the arrears balance, esp as it goes back so long   send them an sar and add to the text in it that you want statements/bills dating back to the gb energy a/c.
    • When you see the reports coming out that serco was involved from the earliest stages apparently to give expertise   and that resulted in 18 million plus people coming back into the UK untested from hotspots .. and then even the general advice to self isolate after they had travelled across the UK home being withdrawn in the run-up to the lock down   That went well says cummings      
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    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
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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.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies

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What was the outcome of your dealing with Mackensie Hall? I am currently in default with QQ and despite offering a 6 month plan of paying back £130 a month they have refused. I'm waiting for it to be passed over and would love to know what happened with you.


I had (stupidly) got into a downward spiral of various payday loans. All of which have been perfectly nice and have agreed repayment plans all except QQ. I have no intention of not paying as I borrowed the money but just got out of my depth and want to be able to pay it back with a reasonable but afforrdable offer.


Any advice greatly received!!

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Hi HeatA,


What was your progress with this? Did you hear anything once you had defaulted? what was the process and were they willing the set up payment arrangements?



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I've just had a look at my credit file and with an outstanding balance of £992 when it was transferred to Mackenzie Hall they defaulted me straight away and have pestered me ever since. Now that they've defaulted me and my credit file is buggered for 6 years they can absolutely go **** themselves.

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When did you fail to repay quick quid? Did you try and contact them or vice versa?


How long before Mackenzie hall got involved, what has your dealings with them been?


I failed to repay last week and have heard nothing. I kind of expect a default but plan to try and settle asap

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I would challenge the default sum, theoretically it should only be the original loan amount plus one months interest they default on, if the default contains charges it is incorrect.


Report Mackenzie Hall to Alan Stewart at East Ayrshire Trading Standards for this, and report them to the Information Commissioners office.


I am going to do another government petition that only the original creditor can place a default on our credit file and they must do this within 3 months of the missed payment, if they do it afterwards it can only show for 3 months.....

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It started probably Feb this year, tried to come up with a payment plan but they wanted 1/3rd of the amount which i coudln't stretch to. MuckHall got involved in June and pretty much defaulted me immediately. I explained to them about not being in work after reundancy but they just called and kept on sending letters, i've just seen one now that talks about a doorstep visit so i'm sure theres much more fun to come.


I think the initial loan was £900, i paid £100 when i could and the default amount is £992 so its probably just the original fee + 1 months interest although they would have added a 'dishonour' fee into that of £12 or £25, don't know if that makes a difference?


Dealing with Muck Hall is impossible, they never stopped harrassing me, wouldn't talk about any kind of settlement or payment plan offer and that fella at trading standards just said it had nothing to do with him.

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