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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MacKenzie Hall just -tried- to ring. Preparation for the next phase.


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Was stupid and took out a Wonga loan to get through a dodgy month about 18 months ago; according to my credit file the original balance was £205. It defaulted at £450~. Wonga passed this on to Moorcroft whom sent a few letters, tried to ring, gave up and went quiet. (This was around 9 months ago)

 

Well, I've just had a missed call (or did at 0812) from a number that is registered as MacKenzie Hall. They've tried to leave a message but I know it's going to be a computer voice telling me to ring them, so I haven't even bothered listening to it yet. I'm fairly sure this is going to be about the above account though.

 

I've done a little research and can see these are unscrupulous turds. There's a thread in this very sub-forum for around 2 weeks ago where someone has uploaded their threat-o-gram, and I'm trying to get a feel for how MH work. I'm just musing at the moment but:

 

  1. Threatening to issue new defaults (and actually doing so)
    I wouldn't mind them doing this; as I'm not trying to gain any credit - and were they to try this I would fight to have it removed and would demand financial redress. Would also make a nice complaint to the OFT/ICO.
  2. Adding a whole lot of interest
    This is a bit of an issue; I don't mind paying what I originally borrowed (£200) - but I refuse to pay for any of their trumped up charges or fees.
  3. Using "Meritforce" (?) as a doorstep collector
    I know they have no powers, but living in a block of flats it not only has the potential to be embarassing - I also don't live alone, and refuse to allow them to subject anyone else to their idiocy.
  4. Harassing phonecalls
    Meh. At one point I was getting around 15+ phonecalls a day from 3 or 4 companies, this isn't anything I'm unable to ignore!

 

Considering this, after they make first contact proper, I assume it may be a good idea to inform them that:

  • All correspondence should be kept in writing (be it electronic or hard)
  • there is no convenient time for a doorstep collection, any attempt to send someone will be taken as a form of harassment and the police will be called

 

Now this very debt is my last one, and it's one I would love to see cleared off - even though it's been defaulted already and it's from a PDL; it would mean quite a lot to see the £0 on my credit file. However, I object to paying off their interest fees and other charges - I honestly do not mind paying off what I actually owed. (Even though it does leave a bad taste in my mouth knowing that even if I paid off what I owe that will be primarily be profit for these crooks - but if that's the price I pay for a £0 and some satisfaction then be it.) Is there anyway I can pre-empt their exuberant fees, bearing in mind this account has indeed defaulted 18 months previously?

 

Lastly, I'm also aware that they have a nasty penchant for refusing payment plans - I remember from previous dealings with another DCA (Cougar.) that simply quoting the OFT guidelines for the collection of debts, there was a good bit in there about accepting payments, and it got them to shut up. I'd be looking at £60-£75 p/month, which I think is actually a very good offer. Knowing they don't like to be told how much they can have though, am I right in saying that only a court can order a breakdown of incomings/outgoings? (Sneakily, when I paid Robinson Way £150 and told them they would have £75 the next month - for an account totaling £225, they asked me to complete paperwork to "ensure you are able to afford these payments".. ignored obviously.)

Now forgive the brain dump here; I'm just planning where to go next. Have I missed anything, or is there anything I should know about the pondlife who will be harassing me over the coming weeks? :madgrin:

Currently arguing with:

  • Vanquis (Fee's reclaim)
  • Capital One (Fee's reclaim)
  • JCP Training Provider: (Reported to the DWP and MPs)
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Regarding I&e forms, simply give them a simplified budget summary and not a fully comprehensive form. They have to accept it then.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Regarding I&e forms, simply give them a simplified budget summary and not a fully comprehensive form. They have to accept it then.

 

Do I have to provide them with anything though? If I make an offer to pay, and I think even a court would agree that if I pay £60+ a month it's a fair amount for a debt that is relatively small amount* at £400~, then surely they can't say "No, we wont accept that money until you give us an insight in to your personal finances."?

 

Essentially I'd be offering them payment that I can afford comfortably, will shift the debt off in a reasonable timeframe without any undue stress on my part. Whereas I fear I could give them more information and they could really push to cause me hassle, I guess in reality I just don't want to give them anything I don't have too - not just money, but information about myself.

 

*I say for a relatively small amount, but I'm still concerned that they're going to add lots of fees and interest on from what I've read about these guys. In fact, the more I've read the more I'm considering fighting them and seeing just what they have - they do seem like one of the ****miest DCA's around.

Currently arguing with:

  • Vanquis (Fee's reclaim)
  • Capital One (Fee's reclaim)
  • JCP Training Provider: (Reported to the DWP and MPs)
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You dont have to if you dont want to, but it goes a long way to showing your circumstances and willingness to pay what you can afford.

 

Watch out with mucky hall. They are well known for their tricks and ignorance of guidance and regulation. So much so, that their local trading standards has an officer that specifically deals with them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Do I have to provide them with anything though? If I make an offer to pay, and I think even a court would agree that if I pay £60+ a month it's a fair amount for a debt that is relatively small amount* at £400~, then surely they can't say "No, we wont accept that money until you give us an insight in to your personal finances."?

 

They have to accept the money you pay them towards the debt regardless if they agreed to the payment plan you suggested.

 

However, first you need to get them to give you a detailed breakdown of what you allegedly owe in writing, then you have to challenge each and every penny above what is actually owed and make it perfectly clear to them that they will not get a penny until the amount actually owed is confirmed in writing.

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