Mackenzie Hall - Quick Quid

[princessmba]

Reference: ************

Original Creditor: Quick Quid

Principal Sum: 1,374.00

 

FAILURE TO RESPOND - NOTICE

 

Dear ******

 

Despite previous correspondence you have failed to respond and the above debt remains outstanding.

 

We are not aware of any legitimate reason for non-payment of the account and although we would prefer a mutually acceptable settlement, we will not hesitate to take legal action to resolve this matter.

 

We trust that this will not be necessary and would request that you send your payment by the deadline below.

 

If you do not respond to this letter we will have no option than to arrange our doorstep collectors Meritforce to visit your address and review your ability to repay this debt.

 

To stop this action call:

01563 556 544 immediately to make payment or email us at [email protected].

 

Important: If you are not the named person above please contact us quoting M28128832 to stop any further communication.

 

Oliver Green

 

 

I Have just recieved this email from Mackenzie Hall and im pretty worried about what to do.

The property they may visit is my mothers house. However i do not have the funds to pay the sum in full.

What do i do.

Help would be much appreciated

[renegadeimp]

Simply send them the letter from the library on this site telling them that they are not allowed to visit you in person at any time or at any place.

 

Also, write and tell them the amount that you can realistically afford taking into account other debts, rent etc and wont leave you with nothing. If they try and say no, that is their problem. If they tried to take you to court, theyd get much, MUCH less.

[princessmba]

Thank you for your rapid response.

Ypour help is much appreciated. At the moment i'd not be able to afford much more than £50 a month as i am now umemployed.

Do you think this is something they will accept?

[sillygirl1]

If you are unemployed the MOST you should pay towards this crazy figure is £1 a MONTH, do NOT offer one single penny more. A judge in a court of law may even suggest 50p and want a full breakdown of how QQ came to that figure.

 

How much did you orignally borrow?

[princessmba]

I origianlly borrowed £600 pounds

[sillygirl1]

The you owe round about £800, and not the amount they are claiming.

 

I think the next thing is complain about both QQ and Mackenzie Hall to the OFT and Trading Standards, East Ayrshire Trading Standards to be specifric, the OFT and TS are doing an in depth investigation into the murky market that is PDLs.

 

Mucky Hall really have hit the bottom now picking up debt already dropped by Fredricksons due to the amount of complaints and queries....

[princessmba]

Thank you.

These people really do know how to put the frightners on you!

[princessmba]

Hi Guys,

This is the response i recieved.

''Good afternoon ******

I do take on board what you say.

If you wish to communicate in writing then not a problem.

Can you confirm the following for data protection:

Address

Postcode

Date of Birth.

Regards

Mark

Mackenzie Hall.''

 

Any advice on how to respond to this as i do not have a clue what to do next!!

[sillygirl1]

Report them to East Ayrshire Trading Standards, they have already contacted you 'in writing' a text is THAT!

 

You need to speak to Sam Gardiner or Alan Stewart at East Ayrshire TS as they are aware of Mucky Hall and their miserable tactics.

 

They are having a laugh.

[princessmba]

I recieved this via email.

I am not sure if i should confirm my details with them or not

[renegadeimp]

Do NOT confirm any details. They already have them. And they want you to confirm it for Data Protection?

[stephenweslo]

re the above ive been getting the same snail mail asking to confirm name and address etc,i just e-mail saying you wrote to me so you have them already,they e-mail back saying they need these details to confirm my id, just keep sending the same e-mail back,however they now have a vast collection of my local take aways menus,yeah i do stuff there prepaid envelopes with them,childish i know but it makes me feel good.

 

peace to you all

[sillygirl1]

I do the same with another company who keep sending me letters to pay up. I can only afford one takeaway a month so most of the leaflets just sit in my kitchen next to the cookery books. I also make sure they are overstuffed....

 

QQ need to know they cannot override EU law and guidelines, they think they can because they are not based in the EU, which is their downfall as technically they cannot take you to court, they have to use a third party and have a very very good case. I have yet to see any Particulars of Claim from QQ.

[princessmba]

I have recieved another email from them, stating i pay the amount in full.

On wednesday 2nd May 2012 i requested they provide me with proof of the debt they purchased from quick quid abd recieved no response yet they are still asking me to pay up.

 

It almost seems as if they do not read the emails that they recive and spend the whole day bullying people into paying up

[princessmba]

Here is the response i recieved ....

Hi XXXXXX

I appreciate what you are saying.

In order for us to even consider giving you a copy of the credit agreement.

Can you confirm data protection.

Address

Postcode

Date of Birth

Thanks

Mackenzie Hall

 

 

 

Shall i just ignore them?

would really appreciate your advice/ opinions

Thanks x

[renegadeimp]

I would send a CCA request. They must comply with it then.

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

[princessmba]

I did sent that to them on the 2nd of May but they are still asking me to confirm some details for data protection

[renegadeimp]

That doesnt sound right. Hopefully someone else can help out here as i havent seen anyone needing to confirm it, especially as you sent the letter, enclosed the fee, they have your address on file, and can send it there.

[Bombaymix]

Maybe they do just want to confirm data protection details? They have those details anyway, so maybe just confirm them? At least then you'll know if they have the original CCA

[renegadeimp]

True. But why the DOB. Never really hear of that from a PDL. And its rare to have a creditor asking for confirmation.

[sillygirl1]

It is a stalling tactic, report them to East Ayrshire Trading Standards, if they do not have the T&Cs they cannot persue the claim via court.

[citizenB]

Erm, they are happy to email and speak on the phone.. but if you want to communicate in writing.. as is your legal right.. they want your inside leg measurement !!

 

Rubbish.