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QuickQuid/Mackenzie Hall


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I am being chased for a QuickQuid Loan to the sum of £637. A default has also been placed on my credit file by MH, not received any default notice from either QQ or MH or any deed of assignment from QQ. Only a letter from MH saying they own the debt etc and you must pay within 7 days threat-o-gram.

 

QQ are outside the UK and obviously have no access to make such reports to credit files so are MH legally allowed to on their behalf?

 

Also MH have failed to respond to 6 letters, 1 of which was a CCA request.

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  • 3 weeks later...
  • 2 weeks later...
  • 3 weeks later...

I still would like some help on this matter have today sent another letter recorded delivery to MH. MH have placed a default on my file on behalf of a creditor.

A) is this allowed as the person placing the default does not own the debt nor is the original creditor

B) MH no longer dealing with the so called debt

C) Experian tell me to speak to MH

D) MH fail to respond in writing, by telephone the say they call you back and never or they hang up on you.

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I am pretty sure they can add a default against your name whether they own it or are chasing on behalf of i'm not 100%. If you aren't happy then you could possibly make a complaint to the ICO, or if not take some advice from a solicitor. Unfortunately when you default from a loan, somebody along the line will place a marker on your credit file...

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Did you receive a Notice of Assignment from anyone ? Or a Default Notice .. which would be a letter advising that if you didnt pay the arrears within a certain amount of time, then they would report to CRAs etc. ?

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  • 2 months later...

Nope no notification or anything. When you call MH they say they no longer dealing with it but they palced the default, i have sent the proove it with £10 which has not dealt with nor cashed, I am going to resend recorded this time and I have notified the ICO but they not interested nor are the CRAs.

 

Just want some advice on this one..

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Nope no notification or anything. When you call MH they say they no longer dealing with it but they palced the default, i have sent the proove it with £10 which has not dealt with nor cashed, I am going to resend recorded this time and I have notified the ICO but they not interested nor are the CRAs.

 

Just want some advice on this one..

 

 

Sorry not sure what you mean, you sent a prove it letter with £10.00 ?

 

You dont have to send any money with a prove it letter.. Only SAR requests (for data) and CCA requests for a copy of the agreement.

 

Your initial information isnt quite clear..

 

Did you have a loan with Quick Quid

Did you default on the payments

They might not necessarily have "sold/assigned" the debt to Muck Hall, they could just be using them as a collection agents. In which case there would be no need to send any notice to you.

Yes, an agent acting on behalf of Quick Quid can update your credit reference files - if you are behind in your payments, then they will do this so it reflects your payment history with them.

You should stay off the phone to these people, keep your communication in writing - that way you have evidence of what is being said.

 

I rather suspect that if you have not stuck to the agreed payment schedule then any default information will be seen as accurate and will stay on your files for 6 years from the date of defaulting.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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MH state they own the debt, have had no notification from QQ about it being sold, i sent both prove it and SAR, I used to have an active loan, the default with the CRA does not match the default notice served. MH have now sold the account back in October and I have heard no more from MMF.

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So, you have a debt and have defaulted on paying the contracted amount? Therefore it is default so you won't be able to get it removed. It will drop off after 6 years. the only thing you could do is check when you defaulted (the month you missed the payment) and insist the file is updated to drop off 6 years from then?

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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It is incredibly difficult to get markers removed and even in court they would be allowed to rectify the faulty DN so I don't think there will be anything you can do. I have Default markers for debts where I have never been sent a DN; but the marker is correct. I am in default; however it annoys me as I am also in arrangement to pay. Different lenders apply different tactics.

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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  • 2 months later...
I dont know who is dealing with this now its all quite on the western front! Default Market is from MH yet they say they have nothing to do with it :/

 

If Muck Hall have advised, in writing, that they have nothing to do with the Marker.. then you should send a ocpy of that letter to the CRAs and say.. look.. proof.. ??

 

 

Or perhaps even contact the Information Commissioner. The original creditor would have first registered any default marker - it would then be updated by either the OC if they still own it or a DCA where they are collecting/administering the account.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 weeks later...

I have also mentioned it to the CRA but they say they cannot remove it or correct it, only the creditor can (in this case MH) yet the debt is legally owned by MMF apparently (have it in writing from MH). Have contacted TS also and they aint interested.

 

Perhaps maybe court action with all 4 parties as the defendants? I am going to CCA & SAR MMF now will also mention CPR PA31.16.

 

I am going to start budling all this up and prepare to go to court with this one soon.

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