Mackenzie Hall - old welcome finance debt - total newbie!

[paulmorfett1983]

Hi There, New to the forum. I've had an outstanding debt with Welcome Financial Services which has been passed to MacKenzie Hall to pursue the debt. I've a couple of questions:

 

• I unknowingly accepted a PPI package with the debt. Can this be removed and offset off the balance
  
• Can I resonably request that they accept an offer of payment
  

The debt is for just under £3,000 which I cannot afford to pay.

 

Any help with this would be greatly appreciated

[Sidewinder]

You certainly need to make a claim for the PPI plus interest. Gather as much information as you can and SAR Welcome for everything else then start the process. Have a look at any penalty charges that may have been applied to the account as well.

 

Write to (NOTE - DON'T PHONE) MuckHall and CCA them. Check your Credit File to see what has been marked on it and take it from there. Certainly don't make any agreement to repay £3000 if that is incorrect, and especially if MuckHall don't have any right to collect on the account.

[paulmorfett1983]

Apologies for appearing dim but can you clarify what you mean by CCA them. They've marked my credit file as Defaulted. Would I contact Welcome Finance with regards to the PPI or Muckhall? Thanks

[dx100uk]

how old is this debt

when did you last pay?

 

dx

[paulmorfett1983]

I got the loan back in 2005 and last made a payment just before end of 2008

[dx100uk]

link 1 in my sig below read it please

 

if you have the agreement

post it up please

there will be more than PPI

gap.life. etc etc

 

you'll need to sar them if you've not got ALL the statements.

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx

[Sidewinder]

Not Statute Barred then as the last payment was only 3-4 years ago. Deal with Welcome over the PPI but tell MH that you do not acknowledge the debt as there is a substantial amount of PPI and (maybe) unlawful penalty charges on the account. A CCA is a request to receive a copy of the Credit Agreement.

 

Just realised that Welcome went into administration, so this may complicate things slightly - have a look at the FSCS page here http://www.fscs.org.uk/what-we-cover/questions-and-answers/qas-for-welcome-financial-hn0qripj/#I_would_like_to_make_a_PPI_claim_against_the_firm_How_do_I_go_about_this_

[paulmorfett1983]

Sorry for the confusion here but do I challenge Welcome Finance about the PPI or MacKenzie Hall. I dont have the original agreement as I've moved house since. If I were to challenge Welcome how would I set it out. Also I work full time would that affect me reclaiming and how would I calculate what I'm owed the outstanding balance is exactly £2093

[paulmorfett1983]

If welcome have gone into administration then would I still be able to contact them?? Or should I just email MH to tell them I dont acknowledge the debt until they take into consideration the PPI and other penalty charges? All responses are greatly appreciated.

[dx100uk]

SLOW DOWN.

 

at this stage it makes no odds about welcome ceasnig to trade

 

i seriously suggest

you READ a few PPI threeads on welcome finance

 

just type

welcome finance PPI

in our search box top right.

 

your FIRST action is to SAR welcome

 

FORGET mucky hall,

they are NOTHING to do with your debt

just a spoofing DCA with NO POWERS to do anything.

 

also read LINK 1 in my sig below here.

 

dx

[BRIGADIER2JCS]

Welcome are trading as a collections company

for all their existing book debts and no longer

provide any financial products

[paulmorfett1983]

Just emailed this response over to Mukhall reference refusing to acknowledge debt:

 

Dear Sir/Madam,

I write to you in relation to the letter I received from yourselves dated 10th January 2012. I wish to make it clear that at this time I do not acknowledge the debt as there is substantial amount of PPI and maybe other unlawful penalty charges. Until such time I can locate an email address to contact Welcome Financial Services or Cattles in relation to a PPI refund I will not acknowledge this debt. If you could supply me with a copy of my credit agreement as well any details you have for Welcome Financial Services or Cattles so that I raise the issue around PPI and possible other unlawful penalty charges. I wish to deal with the company directly and not a third party to act on my behalf. Your help in this would be appreciated. I also wish to note that I would prefer all correspondence to be preferably by email wherever possible or letter. I will not hold any discussion on the telephone as I wish to have a paper trail for challenging this alleged debt.

Yours Faithfully

[dx100uk]

you really should put things past us before you send anything.

 

as advised SLOW DOWN there is NO RUSH

 

dx

[paulmorfett1983]

So was that the wrong thing to send then??

[dx100uk]

why send them anything?

 

they are a DCA they have NO LEGAL POWERS

 

dx

[cerberusalert]

To give you an insight into the professionalism of the company you are dealing with read this & laugh http://www.dailyrecord.co.uk/news/scottish-news/2009/01/24/anthrax-alert-at-debt-collectors-caused-by-box-of-doughnuts-86908-21065861/

[dx100uk]

now thats funny!!

 

dx