mackenzie hall problem

[jess22]

Hi everyonehaving posted on here several times i am dealing with my debts i have payment arrangements in place now for several payday loans,i recieved a ccj from tower capital but have nearly paid that off,i am paying regularnow to:

wage day advance

payday express

txt loan

cash genie

1 month loan

My problem is quick quid and wonga

This morning recieved a letter from quick quid saying they are sending a collector round,now i have tried to come to an arrangement and offered £40,i owe £900,now i realise its not much but as i have come to arrangements with others and they have accepted my proposals i explained i cannot pay any more,they simply wont listen,are are they likely to send somebody round? it mentions a specific person on the letter who i have to speak to but i dont want to phne so again emailed my proposals.Does anyone have any advice or experience with these?

Thanks

[Jamie Kingston]

QQ will not send someone round so forget it. they will never agree to a repayment structure that goes over more than 3 months. they will badger you will stick to your guns and then they will send to DCA and you can pay them the £40.00 per month.

[jess22]

But isnt mackenzie hall the dca? i dont want to go over the amount i can afford as ive started to make some progress with my others. Thanks for your advice x

[tomtom013]

QQ will offer a payment plan over 6 months at a push but I guess this is still too much. As for QQ or a DCA threatening a doorstep vist, read below link which was gently lifted from the CAG library:-) Just modify for your needs and send it to QQ or DCA they may pass the debt onto.

 

http://www.consumeractiongroup.co.uk...DOORSTEP-VISIT

[jess22]

Thankyou

Having re read the letter again i notice its from somebody csalled MERIT FORCE,DOOR STEP COLLECTION,does anyone have any experience with them,im a little worried they are going to turn up whilst im at work and speak to my hubbie(he doesnt know about it )

[Jamie Kingston]

they arent coming, trust me, 10000000%... wait for the DCA and pay them directly. try not to ignore phone calls it will speed up the process and stop them from calling your home or work if you answer the mobile. keep repeating your offer and leave it at that. QQ are not sending someone over, they cannot and neither are they taking you to court. so sleep easy!!

[maroondevo52]

Hi,

 

Merit Force are part of McKenzie Hall . They specialize in statute barred and unenforceable debts.

[jim1888]

I see most people on here think mackenzie hall dont procced with legal action, i have been registerd for my first CCJ (county court judgment ) because of them and they have been in touch with my employer to get an attachment of my earning. My quick quid pay day loan was £800 and i offered to pay £50 per month but they wouldnt except. Now my name is on a public register and I cant get any credit fo some years, also peolpe from work are now talking about me because of this. So just letting peolpe know mackenzie hall can do this.

[jess22]

Hi,

 

Merit Force are part of McKenzie Hall . They specialize in statute barred and unenforceable debts.

Yes i know how you feel,i recently got my first ccj from Tower Capital for a debt of £280! i have just paid it off

MERIT FORCE threatened to come round,im unsure if they will but hope they doint,im not ringing as its an 0844 number i tried to contact them but no response back,i just want to sort this out but can only afford £40 ,my debt is £600 original loan and interest,it now stands at £900!!!

[posiepebbles]

I agree doorstep collectors are probably unlikely but, just to share my own experience, I lived in a lot of fear under the threat of them showing up and my other half finding out. I eventually came clean to him and it wasn't pretty, he was understandably furious, but I'm still glad we had those conversations - honesty is important. I completely understand if your circumstances are different but I'd recommend biting the bullet if you can; I sleep a bit easier knowing I'm not alone in this mess.

 

While I'm a massive fan of these message boards, I personally find the info on the National Debtline site a bit easier to navigate when it comes to info on the legal processes. I think the main thing is to repeatedly make your reasonable offer and include a financial statement so that they can see what you've got available. That way, even if they do take it to court - which is a risk to them as some charges might be denied - the judge is likely to look more favourably on your case as you have been the one making an effort to sort things out before court. Plus, court orders to pay can be varied at any time by filling in the relevant forms.

 

Also, QQ might pay more attention if another organisation is involved. I know that CAB and other known sources of advice are overrun right now but many people aren't aware that Shelter - the housing charity - also does debt advice in certain areas and could possibly advocate on your behalf. It's usually only available if your income qualifies you for legal aid, but worth checking out the 'find an advice service near you' bit of their website in case they can help. They also do a lot of phone work via Community Legal Advice but, again, you need to be eligible for Legal Help/Legal Aid.

[dx100uk]

Yes i know how you feel,i recently got my first ccj from Tower Capital for a debt of £280! i have just paid it off

MERIT FORCE threatened to come round,im unsure if they will but hope they doint,im not ringing as its an 0844 number i tried to contact them but no response back,i just want to sort this out but can only afford £40 ,my debt is £600 original loan and interest,it now stands at £900!!!

 

CCJ? i doubt it for £280!

 

you must mean something else and got the name wrong

 

these loan co's dont go anywhere near a court .

 

dx

[caro]

I see most people on here think mackenzie hall dont procced with legal action, i have been registerd for my first CCJ (county court judgment ) because of them and they have been in touch with my employer to get an attachment of my earning. My quick quid pay day loan was £800 and i offered to pay £50 per month but they wouldnt except. Now my name is on a public register and I cant get any credit fo some years, also peolpe from work are now talking about me because of this. So just letting peolpe know mackenzie hall can do this.

 

What an interesting first post and very unusual experience you've had.

 

So how much a month are you having to pay now? I'm sure that if you couldn't afford the full amount the court will have take this into account and looked at your income and expenditure.

 

Frankly, I suspect that for a lot of people who resort to payday loans their credit file is probably already trashed or they'd borrow from a more conventional lender.

 

I suggest that you put in a grievance if your employer or payroll department have been discussing your private information. It's a breach of the Data Protection Act. Where I work attachments of earnings only go to the payroll department and if it was discussed we'd face disciplinary action. If you need help with this then I'm sure you could find help in our Employment Forum.

 

I'm so glad that you've found CAG now because there's a lot of great advice for people which helps them deal with problems. It's very empowering.:wink: