Quick Quid Defaulted me - sold it to mucky hall...now need default removed

[hackett]

Hi All

 

I am hoping I have posted this in the appropriate place.

 

Currently me and my girlfriend are looking to get a mortgage,

 

unfortunately around 2009 I made a few mistakes with my credit.

 

Since then I have avoided all forms of lending bar the usual things

- Phone Contract, small overdraft on my current account.

We have managed together to save the 20% deposit required.

 

I have opened up accounts with Equifax, Experian and Noodle.

They all seem clear bar for two things.

Electoral Roll (Sorting that out) and one default to Mackenzie Hall.

 

I took out a pay day loan with Quick Quid for 200 pounds and paid back 350 pounds at the end of 2009

the next month of the Default arising.

 

I didn't get a notification from Quick Quid of the detail however I did get an email from Mackenzie hall that reads like this:

 

Reference: *****

Owner of Account: Mackenzie Hall Debt Purchase Ltd

Original Creditor : Quick Quid

Balance: 324.50

 

FIXED-SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 - DEFAULT.

 

Your Loan Agreement with Original Creditor 'Quick Quid' has defaulted.

 

Quick Quid have notified the relevant Credit Reference Agencies and a 'Default Status' has been applied to your Credit Rating.

 

Mackenzie Hall Ltd will now apply for a County Court Judgment on behalf of Mackenzie Hall Debt Purchase Ltd

unless the account is paid in full within the next 72 hours.

The proceedings will include additional claims for legal costs which will increase the amount you are required to pay.

 

In the event that judgement is obtained against you it will be entered in a public register, the Register of Judgements, Orders and Fines. The details will then be passed to credit reference agencies who will supply them to credit granters and others seeking information on your financial standing. This may make it even more difficult for you to obtain credit.

 

To prevent this happening contact *****, on 01563 556 544.

 

Do I have any power to get this default removed?

 

At the time I was 19 and very naive

- looking for any way to prevent my mistakes from paying a large amount of interest or worse not getting a mortgage.

 

Any advice is greatly appreciated.

 

Thanks

[dx100uk]

I think it might serve you purpose to SAR QQ.

 

it seems to me they might be correct

 

but without seeing the statements

and the relevant system notes and records of letters etc being sent.

 

its not possible to advise a course of action.

 

In the debt summary, it def says a defaulted date?

 

dx

[BRIGADIER2JCS]

Hi welcome to CAG,

 

Was the amount you paid off this debt the total that should have been paid?

 

It appears from what you have said so far that there may have been a residual balance left after you paid the £350, can you clarify please?

QuickQuid actually placed the default before selling the account to MH, what is the default date?

[hackett]

I think it might serve you purpose to SAR QQ.

 

it seems to me they might be correct

 

but without seeing the statements

and the relevant system notes and records of letters etc being sent.

 

its not possible to advise a course of action.

 

In the debt summary, it def says a defaulted date?

 

dx

 

So from what I have been reading - I understand a SAR would be a request of documentation? Would I SAR QQ or Mackenzie Hall as they are the ones who have the default against me at the moment. I have heard bad stuff about Mackenzie Hall...

 

The default date currently says 28/10/2009 on both equifax and experian.

[BRIGADIER2JCS]

Always the original creditor so SAR goes to QQ addressed to the Data Controller. You can make a CCA request to MH to see if they can provide a copy of the agreement.

[dx100uk]

So from what I have been reading - I understand a SAR would be a request of documentation? Would I SAR QQ or Mackenzie Hall as they are the ones who have the default against me at the moment. I have heard bad stuff about Mackenzie Hall...

 

The default date currently says 28/10/2009 on both equifax and experian.

 

SAR to QQ.

 

mucky hall will have had their name replace QQ on the cra when they bought the debt.

so QQ would hve defaulted you.

 

listen to the brig too.

knows more about this than me.

 

dx

[hackett]

Hi welcome to CAG,

 

Was the amount you paid off this debt the total that should have been paid?

 

It appears from what you have said so far that there may have been a residual balance left after you paid the £350, can you clarify please?

QuickQuid actually placed the default before selling the account to MH, what is the default date?

 

Thanks for the welcome! Looks like a place to find a lot of insight!

 

The original loan was £200.00 and I was supposed to pay back 375. I am not sure how much I paid back in the end.

 

I got the loan accepted on 28th Aug 2009. Default from MH says 28th/10/2009.

[hackett]

Shot of the default from experian.

 

[BRIGADIER2JCS]

Was there a shortfall after you had paid the £350.00??

[hackett]

I have no idea to be honest - it doesn't really make sense to me. Looks like I have massively over paid!

[hackett]

SAR to QQ.

 

mucky hall will have had their name replace QQ on the cra when they bought the debt.

so QQ would hve defaulted you.

 

listen to the brig too.

knows more about this than me.

 

dx

 

Thanks DX - I will look for a template to get that started.

[dx100uk]

click the SAR

 

dx

[BRIGADIER2JCS]

I have no idea to be honest - it doesn't really make sense to me. Looks like I have massively over paid!

 

Ok were you on an a with arrangement to pay? This may have been a small residual balance that has grown with the addition of interest and charges?

[hackett]

Customer # 1****

 

Thank you for contacting us to inquire about how to pay off your balance. Our records indicate your account has a default balance.

 

The payment plan we can offer is detailed below.

 

£____399,00______due 30/09/2009

 

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

 

Collection procedures will continue until an acceptable payment arrangement is made.

 

If you have any queries, our Collections Department is here to help.

 

 

This is what they offered me

[BRIGADIER2JCS]

I agree SAR away to QQ asap, send by recorded delivery check when they receive it the 40 days starts then, postal order or cheque for the £10 statutory fee, mark the cheque or PO for statutory fee only.

[hackett]

Perfect - I will get on it thanks guys. Will keep you updated! Does anyone have the right address for QQ by the way?

[hackett]

Just out of interest - what are the next steps after a SAR? Does that depend on the findings?

[BRIGADIER2JCS]

Customer # 1****

 

Thank you for contacting us to inquire about how to pay off your balance. Our records indicate your account has a default balance.

 

The payment plan we can offer is detailed below.

 

£____399,00______due 30/09/2009

 

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

 

Collection procedures will continue until an acceptable payment arrangement is made.

 

If you have any queries, our Collections Department is here to help.

 

 

This is what they offered me

Load of bowlarks it certainly seems you are being fleeced !! So ignore that.

[BRIGADIER2JCS]

Just out of interest - what are the next steps after a SAR? Does that depend on the findings?

 

Unwise to speculate lets get the data first and go from there, I for one am very suspicious of the amount MH are claiming.

[hackett]

Thanks Brigadier - I will come back once I have got news. Cheers

[BRIGADIER2JCS]

Thanks Brigadier - I will come back once I have got news. Cheers

 

Ok Hackett just give me a shout if you need further help.

[turkwyfe4lyfe]

You will need to use the green lanes london address.... I sent an SAR too, which they received on 3rd June so about 17/18 days in...They still havent cashed in my Postal Order according to post office so they obviously havent even got round to starting to comply with my SAR. I hope they give yo what you need.