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Double Defaults from one debt....


farrelloa
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Hi all...Im new to this so please bare with me.....I had a payday loan with the dreaded Quick Quid all was fine until I had a bit of an personal issue and couldnt afford to pay my loan in full the amount to pay was around the £1500 mark. I contacted QQ and explained the situation and they agreed to split the balance over 4 equal payments. I payed the first two months fine but then my car imploded (Timing Belt) and I couldnt affort the full paymnet the next month. I expalined my situation to QQ and asked if I could either delay or re-arrange the amounts so id pay less this month/more next or extend the payments by one month, but as you can guess it fell on deaf ears.The debt got passed to Mac Hall and had the demanding letter from them etc. So I phoned them spoke to someone and payed the debt in full as requested and on time. (If only QQ would have listened - fools)On checking my credit file I see that defaults have been registered by BOTH QQ and Mac Hall so im showing two for one debt???QQ have put four D's in a row and Mack Hall two D's,both are showing settled..Can I have two defaults for one debt? I have phoned both companies and they both say its correct and I should take the matter up with the other party...Any advice much apreciated.

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Hi farrelloa ,

This is fairly simple to correct you need

to write to the compliance manager at Mackenzie Hall

send him (I believe it's still Rob Sands) screen prints of

your credit file on this debt and I am sure it will sorted

quickly, I have dealt with the guy quite a few times

and unusually for a DCA have been very helpful.

I doubt you will need to resort to the regulators.

 

Brig.

Edited by BRIGADIER2JCS

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Hi, just an after thought (brain in Sunday gear:madgrin:)

 

Copy the letter to the Credit reference agencies too,

again address to the compliance manager.

 

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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