Mackenzie Hall - vile bullies!

[Blossom99]

To cut a long story short I have a repayment plan with muck hall which I have stuck to and paid on time. I have a pin to access my account online and make payments and see my statement. On the page that shows my payments they have posted in huge letters that I have now defaulted on the agreement and will be issued a ccj!! And I will be liable for all legal costs!! They have started emailing and texting this aswel. I've been bloody paying them and my reduced balance clearly shows! What are they playing at? Should I just ignore it and carry on paying?

[silverfox1961]

Hi,

Keep everything, emails, screenshots, everything. If they ring you, youcan either refuse the questions or record their drivel

 

Formal complaint to them and to East Ayrshire Trading Standards who have Muck Hall on their radar.

 

This is a complete breach of the debt collection guidance as you are up to date with your payments

[Blossom99]

Thanks silverfox, I also forgot to mention that they want payment in full. Well they can whistle for it, I have already reduced my debt from £750 to £550, if they are going to start trying to bully me then they will get nothing more and they can take whatever action they like

[renegadeimp]

They can ask for anything they want. Under OFT guidance, they need to come to some arrangement. As silverfox pointed out, theyve already made a HUGE mistake. You just need to take advantage of it.

[Blossom99]

Thanks, but what I don't understand is why are they doing this? And when you say they need to come to some arrangement, what do you mean? I only ask as I already have a repayment plan which I would assume is already an arrangement? Sorry I'm just gobsmacked by their behaviour

[renegadeimp]

Nobody knows why. Its just how they operate. They think bullying and threatening tactics work. Even though what they are doing is illegal. And yea, i meant an arrangement for a repayment plan.

 

As for your issue, as long as you have a full and complete paper trail, they cant touch you. This can also include bank statements to prove youve paid what you have said.

 

As silverfox rightly said, first thing in the morning, get those complaints sent off and let the relevant agencies deal with them.

[Blossom99]

Thank you very much, I definately am going to get complaining. I already have proof as my statement on their website shows what the balance was in the beginning and what it is now. I think I shall continue with the monthly payments as normal, then they don't have any extra ammunition, and I am that step closer to paying off the debt with every payment, I can't imagine being liable for legal fees as I haven't done anything wrong

[renegadeimp]

Yep. Keep those repayments going as agreed. It sounds like theyre trying the old trick of inventing an amount then saying you need to pay it. Unfortunately for them, it looks like theyve chosen the wrong person to try it on.

[Blossom99]

yes I originally had 3 Payday loans that all got passed to DCAs. One of which is now completely paid off which I guess I could also use as back-up if need be. But you know what they say about bullies, just ignore then and carry on as normal, that's the best way to deal with them

[silverfox1961]

Just a silly question. Did any of these PDL debts incur charges?

[Blossom99]

Funnily enough they didn't, the amounts always remained the same. They can try what they like, I know what I owe and they will get that back and not a penny piece more. I've just moved house and changed my name as just got married, so once the debts are paid I shall just change my mobile number and email address (keeping all records of my payments) and let them take the time and trouble to find me just so they can add illegal charges to a debt that has been paid

[Blossom99]

Can muck hall really issue me a ccj? Will they take it that far? I have worked so damned to pay them on time every month it would be a hell of a slap in the face

[Blossom99]

Ps have complained to east ayrshire trading standards as they have demanded immediate payment in full

[Ell-enn]

As said above, they can demand what they like - they have been accepting your regular payments and obviously the balance has been reducing - they would have a hard time trying to get a CCJ (they know that but hope you don't)

[silverfox1961]

As said above, they can demand what they like - they have been accepting your regular payments and obviously the balance has been reducing - they would have a hard time trying to get a CCJ (they know that but hope you don't)

 

Completely agree. They use the 'threat' of court proceedings to scare you into paying more or settling the debt.

 

I would be calling their bluff and state that if you think you can get a CCJ, go for it (but that's just me)

[Blossom99]

Well Would you believe it, I copied trading standards in on an email of complaint to muck hall and they replied within ten minutes apologising and saying there had been a system error and not to worry as my account was not in arrears,and trading standards were copied in on their reply aswel, funny that!

[Ell-enn]

hmmm, wonder why they've suddenly decided they've made a mistake (as if we didn't know!)

[silverfox1961]

Well Would you believe it, I copied trading standards in on an email of complaint to muck hall and they replied within ten minutes apologising and saying there had been a system error and not to worry as my account was not in arrears,and trading standards were copied in on their reply aswel, funny that!

 

 

Yeah Right!

A system error is usually caused by some pillock pressing the wrong (right?) buttons. These companies will always blame a system error when they get caught with their pants down

[Blossom99]

I mentioned that I had complained directly to Alan Stewart who is apparantly well known for being on their case. Well all bullies are cowards really all mouth and no substance.

[sillygirl1]

Alan Stewart and Sam Gardiner are the two bods who deal with Mucky Hall at East Ayrshire Trading Standards, it was Mr Stewart who listened to the recording of the idiot from MH who said he could ring me hourly until he was paid xxx - which I didn't even owe!

 

Unfortunately this company seem to escape being closed down, I think it is because they provide jobs in a tough area, but that should not be an excuse for their non-compliance or other offences.

 

System error my foot - they are definately taking the proverbial here!

[Bang!]

If you are in East Ayrshire and a consumer contract, you don't get CCJs anyway. as it would be Scottish Small Claims procedure (CCJs are English law).

[sillygirl1]

The person may not be there, Mucky Hall send me 'begging' letters and I just refer them to TS... I am in south-west London UK.

 

I am not sure if Mucky Hall do go for CCJs, or who they 'use' to do them but they usually huff and puff and go away once threatened.