Mercentile Recovery Solutions - QuickQuid

[cp33c]

Hi All,

 

Just had a very frustrating conversation with someone at MRS Ltd. Basically my partner took out a QQ loan back in July 2011, we ran into difficulty as I lost my job and subsequently informed them and started the DMP process for all our creditors. Anyway all but QQ replied and agreed to our offer of payment. We kept sending QQ letters/emails offering payment and was receiving no response, not even one to say they were coming after us. Eventually we stopped as they weren't bothering us. Fast forward to May 2012 and we finally received a letter from MoorGroup on behalf of QQ, we replied to them and they didn't reply. We sent one further email and still nothing, not even to chase. Fast forward to beginning of September, we received a letter from MRS Ltd explaining that they were about to start litigation. At this point they hadn't mentioned a creditor or the amount due, so we ignored them. A week later we received the same letter with a deadline on it, this time with creditor details and amount due. They are working on behalf of QQ. We sent an email detailing an I/E form with offer of payment. A week later (beginning of last week) they sent an email (they hadn't done this before we sent them one) giving us a new deadline. My wife replied asking if they received the previous email.......again nothing. On Monday this week another email giving us another new deadline.....again we replied and received no response. Today (which is not past the previous deadline) they emailed again saying 'We have taken the relevant steps to verify your current residential and employment status, and are aware of no legitimate reason as to why your account has not been paid' and they have threatened to sent a Field Collector round. Anyway at that point I started to get slightly angry and my wife informed them to call me. I decided to get there first as they were p***ing me off. After taking a while to confirm that I had authority on the account, I explained that we had sent a number of letters and emails explaining the situation and offering payment. All I got back was that the debt is 13 months old and they are going for a CCJ. I must've then hit a nerve because I repeated what I had said previously and got a different answer, this time a threat that they were going to make my wife bankrupt. At which point I again repeated myself, he then asked me if we'd made an offer of payment, I replied yes and gave him the amount. He then said 'see you in court' and put the phone down. No other words, just them 4.

 

Sorry for the rant but they have made me quite angry about this :mad2: Not sure what my next step is apart from waiting for the paper work. Should I expect any? Are they just hot air or have they ever taken someone to court?

[Bombaymix]

Are you still in your DMP? If yes, send off these stupid threatograms to your DMP. I know you now probably feel like making them whistle for their money.

 

"see you in court" is laughable considering the effort you put in trying to arrange a repayment plan with the original creditor and even them. The judge would laugh it out of court (IF they did go down that route), considering they've given you multiple deadlines, I see these idiots as nothing but toothless tigers.

 

Stay off the phone to them. They're obviously one of many DCAs who's staff have been trained at the Billy Bullchit school of customer excellence!

 

Referr them to your DMP, I take it you advised the DMP originally that QQ were playing hard to get? I should imagine you just dealt with a phone drone who was upset that he wouldn't be making his £1 commission from you for extorting a payment out of you. Third party DCAs actually usually are far more willing to accept your DMPs than original creditors (especially payday loan vultures)

 

Regards

 

BM

[cp33c]

Thank you for your prompt reply BM

 

The DMP was created by myself and my wife on the advice of CCCS. They decided that we couldn't pay any money, so we've made some drastic (well they were at the time) cuts to fit into the £1 per month category

 

I will keep all correspondence from them as I have with the other creditors and hope nothing comes of it.

 

Should I keep sending them emails offering payment or just ignore them?

 

Thanks again for your help

[renegadeimp]

The DCA cannot start litigation because they are not solicitors.

 

Can i ask if they actually own the debt, or are they just acting on behalf of a creditor?

 

Alsonever, EVER call them by phone unless you can record the call in full. They are well known for saying anything purely to get money from you any way they can.

[cp33c]

In the first letter they sent they said 'We have previously written to you to inform you that we, Mecantile Recovery Solutions Ltd, have purchased the above debt and as such are now the legal owners and beneficiaries of the sum outstanding'. This was the first we'd heard of them at this point, so I'm assuming that they own the debt.

 

My anger got the better of me as I know I shouldn't be speaking with them, but just couldn't help it

[renegadeimp]

DOnt worry, its very unlikely they record the call, simply because they dont want anyone else to hear what they are really like.

[Bombaymix]

Oh dear... I've done a Little bit of digging. Appears these are conveniently located in the same offices as our good friends Mucky Hall aka the Kilmarnock Cowboys.

 

As I thought, toothless tigers.

 

I would personally (once confirmed with the OC that MRS now own the debt) write to them with your offer. Tell them you're in a self managed DMP and all you can afford to pay them is £xx per month. Tell them your offer of payment is non negotiable. Make sure you know the exact amount you owe QQ and make payments ONLY towards that amount. (original loan amount plus ONE months interest)

 

I'd certainly sit tight for a little while until you've got the confirmation from QQ.

 

Really, this DCA outfit are probably one of the most complained about DCAs out there. You must refrain from phoning them. They will just upset or anger you.

 

Shame they can't separate those that don't want to pay and those that have hit a hurdle and genuinely want to pay.

 

If you need any help with anything, give us a shout.

 

Regards

 

BM

[cp33c]

Thank you for all your help. I will email them again with the dmp details and sit tight.

 

Again, thanks for your help

[Bombaymix]

You're welcome. Just to be on the Safe side. Who are you emailing? MRS? Or quickquid? You need that confirmation from QQ that MRS are now owners of the debt. You need it confirmed by QQ

[cp33c]

You're welcome. Just to be on the Safe side. Who are you emailing? MRS? Or quickquid? You need that confirmation from QQ that MRS are now owners of the debt. You need it confirmed by QQ

 

I was going to reply to MRS as QQ have never responded to any emails I've sent them

[renegadeimp]

QQ rarely ever do reply. They simply say you never contacted them, and think it justifies selling the debt on.

 

However, what they dont realise is you can put the debt into dispute and if its sold on, then it can be passed right back to them until the dispute is settled.

[cp33c]

QQ rarely ever do reply. They simply say you never contacted them, and think it justifies selling the debt on.

 

However, what they dont realise is you can put the debt into dispute and if its sold on, then it can be passed right back to them until the dispute is settled.

 

Ok. How do I go about this? Do I email QQ with a deadline to respond? Then when/if they don't reply raise a dispute?

[Bombaymix]

Hmmmmm! I'm wondering if it might be worth trying to communicate with QQ via their livehelp section on their website? I know this isn't ideal, but it's live I suppose. Maybe they could give you confirmation?

 

Renegade? Your opinion on communicating with QQ in this way to seek confirmation whether or not MRS have legal rights to collect this loan?

 

My feelings, you can screen shot the session and or ask for an email of the chat transcript.

[renegadeimp]

If theyre not replying and theyre adding on charges etc, then you need to issue a formal complaint and inform them that you dispute all charges on the account, and you consider the account in serious dispute until the complaint is settled.

 

Remember, from the time they receive your complaint, they have 8 weeks to form a final response so you can take it to the FOS. Contrary to what some people are saying, the FOS do seem to have started to listen to complaints latetly. It;s how we got the advice that the charges outside of the contracted period are unfair and not enforceable.

[abbyyurt88]

Where do i write to to dispute? London correspondence address or payment address in sheffield.?

[abbyyurt88]

I also need a template dispute letter if anyone knows where i can find one xxx

[sillygirl1]

No need for a template letter, put it in your own words, far more effective. They laugh at the template letters and like to point out the 'inaccuracies' in them.

 

Keep it short, non legal and they won't know how to answer.

[sillygirl1]

No need for a template letter, put it in your own words, far more effective. They laugh at the template letters and like to point out the 'inaccuracies' in them.

 

Keep it short, non legal and they won't know how to answer.

 

Send it to both addresses to make sure.