Mackenzie Hall - Who has seen it through with them?

[Heropanda]

Has Muckys sold the account to this lot or are they collecting on behalf of?

 

Just had a confirmation letter this morning to confirm that Mucky's have sold the debt on to them. Surely this makes them in control of the credit entry, they didn't seem to think so though

[RoyalIrish]

Hi,

 

We have all been there!

 

I have fought Mucky Hall off on several occassions, they are total vermin who thrive on our ignorance and our anxiety when we receive their threatograms and phone calls.

 

I nearly passed out when I got my first 'debt collection' letter and seen the words 'County Court', I now know better thanks to my fellow caggers!

 

Firstly, you should establish if Mucky Hall or these other cowboys are actually ENTITLED to be chasing you for this debt.

 

Have you even done a CCA request?

 

You seem VERY concerned about the default that has been registered against you and from what I feel from your previous posts you would like them to remove it if you pay them a full and final settlement.

 

In my opinion this is NOT going to happen.

 

You need to accept this, the CRA's are totally in bed with the DCA's, and will take their side virtually every time.

 

Getting defaults removed is extremely difficult and practically impossible unless a genuine error.

 

A default is a historical record of your abilty to pay or not pay for your credit.

 

If you did indeed default on the payments which you have through no fault of your own, then you will have to grin and bear it, just like the rest of us.

 

 

Assume you have a Default marked on your credit file and continue to have a problem settling the debt because of lack of money.

Most companies in this situation will accept a lesser offer, perhaps 60p in the pound (ie. £600 is used to settle a debt of £1,000).

If you pay this money in full and final settlement the Default will now be marked 'satisfied'.

One would now think the matter is now over, the default will be removed and your credit file will be clean.

WRONG!, this is not the case as most people don't realise that a 'satisfied' default is viewed just as badly as a plain default by future creditors.

 

By discussing 'full and final settlements' with these parasitic monkeys you are actually telling them that you CAN afford to pay them money and you are unwittingly encouraging them to harrass you for more and more.

 

This is the game that they play!

 

Offering them £350 to settle this has basically informed them that you 'have' money and you are 'thinking' of paying them.

 

It is their policy to get as much as they can by any means, fair or foul, in their eyes, if you can afford £350 then they know your good for more.

 

If you can afford to give them money in an attempt to settle this debt then it is your business but please understand that your credit file will still be tarnished, Mucky Hall monkeys will get their commission and you and yours will have to go without.

 

Paying them will not remove the 'default' from your file, the damage has been done.

 

Mucky Hall are well known for buying up debts for mere pennies that are considered to be next to impossible to 'legally' collect.

 

This is why they frighten and intimidate unwitting people into payment, this is how they make their money!

 

Mackenzie Hall would literally take the food from your children's mouths, they do not care at all about your financial situation.

 

If it were me, I would tell to **** OFF!, what can they do realistically? you are on state benefits!

 

The damage has been done!

 

 

1. Find out if they are legally entitled to ask you for money, make sure their paperwork is 100% accurate and correct!

 

2. Cease all payments until you are 100% satisfied that they are entitled to receive any payment at all (see above).

 

3. Inform them that you will only communicate in writing!

 

4. Send the 'doorstep visit' letter and make sure you forward a copy to Alan Stewart.

 

5. Send the 'telephone harrassment' letter and make sure you forward a copy to Alan Stewart.

 

6. LOG everything and keep a record of calls and letters.

 

 

I apologise if I sound harsh but I speak from the heart!

 

Good luck!

 

RI

 

(I must say, I am quite surprised at the response you got from Alan Stewart)

Edited June 17, 2011 by RoyalIrish

[Heropanda]

RoyalIrish -

 

Thanks for taking the time with that response, really appreciated.Just following up on your points i emphasised that any money for a full and final settlement would have to come from a third party as i don't have any funds in my own name.

 

If they were to pressure me on this basis then I believe they would further be in breach of the OFT guidelines around encouraging you to take on additional borrowing to pay their debt.

 

My approach was really brought out of frustration and i saw the new owners of the debt as being an opportunity. I have a commercial mentality that says that if these clowns are the legal owners of the debt, the debt is murky and unenforceable then i could make them a worthwhile offer.

 

I'm trying to understand how simple it is to remove the entry from a credit file because if it was me in the situation and i had the options of banging your head against a brick wall and trying to threaten money out of someone or take a hassle free lump sum payment far in excess of what they would have bought the debt for with their only action being to remove the reporting from a credit file then i don't see why they wouldn't go through that.

 

Its not like they are emotionally involved in the borrowing, this whole scene is a business is it not? So to confirm i'm trying to get it removed but trying to incentivise from the DCA end rather than complain on the grounds of technicalities through the CRA end.

 

It just eats me up inside that due to a mixture of my own poor judgements and the financial climate that i'm going to be unlikely to be able to get a mortgage for a house for at least another 6/7 years and thats what is really driving this agenda.

 

I'm largely on the right track of sorting things now but anything i can do to ease the situation i will certainly try!

Edited June 17, 2011 by alfwithhair
formatting fault

[Heropanda]

And apologies for all my posts ending up as one paragraph, don't know why they come out that way because i don't write them in that fashion!

[alfwithhair]

And apologies for all my posts ending up as one paragraph, don't know why they come out that way because i don't write them in that fashion!

 

Its sorted

[RoyalIrish]

I can see your point but to be frank there really is no satisfaction from trying to negotiate with these sewer rats.

 

As far a 'removing' defaults I found this handy:-

 

http://www.learnmoney.co.uk/credit-file/remove_default_notice.html

 

Please understand, these 'forth division' DCA's have only one agenda, getting your cash, without exception.

 

They are liars, cheats and in mine and many others eyes, literally criminals.

 

Having to live without the prospect of a mortgage or credit is one of the hardest things that I've had to deal with but we all have to 'suck it up' and get on with it.

 

If you are determined to fight this black mark on your credit file then 'paying them off' to remove it frankly isn't the way to go.

 

If Mackenzie Hall et al tell you that if you settle the debt they will remove the default I will guarantee 100% that they won't.

 

As I said, 'defaults' are a record of how the account was handled.

 

You can compare it to a criminal record because that is the way 'us' defaulters are now seen.

 

Follow the advice given by the lads and lasses on here, they are only too willing to help you and they are very experienced.

 

Good luck!

 

RI

[flipper71]

Just ignore them ...They will go away eventually...... They are **** who have NO legal rights ...

[Heropanda]

I'll start off by saying that i fully admit my financial mistakes of the past and the advice i'm after here is sought after in the spirit of changing my life for the better and not to repeat the same errors.

 

Essentially i had a payday loan with Quickquid in 2009 which ended up in a default balance of more than £500,

this was then sold on to McKenzie Hall where a default is registered currently for the total value.

 

McKenzie Hall sold my debt on to Motormile Finance who have recently it seems sold this debt on to Toothfairy finance (i was not informed of the sale or transfer).

I have not responded to emails or correspondence on this subject apart from to withdraw their permission to visit me at my house.

 

I just used noddle today and can see that while the McKenzie Hall default remains on my credit file from 2009,

a new account has been created from Toothfairy finance for the exact same outstanding amount and its current status is U/C.

 

I would expect that with no intervention from me this account will go towards a default so i will essentially be defaulted for the same debt twice.

From reading the forums i suspect that i would be able to have this second default removed (especially as it has different dates) from my file.

 

My question however is what if i come to an arrangement with toothfairy finance and settle before it comes to a default and have them mark it as settled?

Can i have the default from McKenzie Hall removed as they must have legally sold the debt on to someone else?

 

Managing to get rid of this default would be a massive thing for me so i would appreciate your advice on if this is an opportunity here.

[BRIGADIER2JCS]

Hi, There can be only one default date and

entry on any date, what exactly does the

MH entry the date should be exactly the same

as on the new entry??

[Heropanda]

These are the entries...

 

Mackenzie Hall

£ 675

Last Updated - 01/10/2011 Default

Account type Mail Order

Account number

Account start date 23/12/2009

Opening balance £ 675

Repayment frequency Monthly

Date of default 25/06/2010

Default balance £ 675

 

and then Toothfairy Finance entry which is 'Up to Date'

 

Toothfairy Finance

£ 675

01/11/2011 Up to date

Account type Advance Against Income

Account number

Account start date 26/09/2011

Payment start date 26/09/2011

Repayment frequency Periodically

[BRIGADIER2JCS]

Odd this, I was not aware of Toothfairy

buying debts, are you sure that this is the same debt?

As this seems to a totally new account which is

not in default.

I'll see if anyone else has any ideas.

[Heropanda]

Am 100% positive its the same debt, the only error could be with noddle reporting it. I have never used or entered into an agreement with toothfairy finance.

[BRIGADIER2JCS]

Lets see what the team come up with,

we are unlkely to resolve it before Christmas.

[Heropanda]

Thats great, i really appreciate the help. Don't worry, i'm expecting the long game rather than a quick resolution.

 

I'm pretty sure i can easily quash this second record, if theres anyway though i can clear the first one and settle the second one then i just can't get across how important that would be!

[BRIGADIER2JCS]

Was there any notice given that the debt

had been sold or assigned to Toothfairy???

[Heropanda]

No notice given at the time, received this nice festive email from a company called NDR (Northern Debt Recoveries - a part of Toothfairy) this week though:-

 

 

15/12/2011

 

Dear Mr X

 

Re loan ref: xxx

 

We have been passed your file by our client Quick Quid t/a Quick Quid. You took a loan with them on 26.09.11. They have made numerous attempts to contact you to arrange repayment and have offered to put you on a more flexible and affordable payment plan. As you have ignored all calls, emails, letters and sms your file has now been passed on to ourselves as well as solicitors.

 

If you ignore this letter and do not make contact within 5 working days on 0843 381 0843 we will be left no option but to send our Recovery Agents to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaising with solicitors who are in the process of obtaining a County Court Judgement against you. Once this is secured we will return with a Warrant of Exe cution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

 

Legal and Recovery fees have been added to your file. Below is a breakdown of what you owe

 

Loan and Interest £675

Legal Fees £150

Recovery Fees £200

Repayments todate £0

Total £675 (Sic)

 

These fees may be reduced if contact is made immediately.

 

WE STRONGLY RECOMMEND YOU CALL US IMMEDIATELY ON 0843 381 0843. We can in certain circumstances put you on a more affordable payment plan but this requires your cooperation. This will freeze the interest and allow you to repay the balance over a more convenient period of time.

 

We, in conjunction with the Solicitors and the County Court will be pursuing you for the monies that you owe. This debt will only increase the longer you ignore it as interest will carry on accruing and Court fees and Bailiff fees will ultimately be added.

 

If we do not hear from you within 5 working days you will be visited at all addresses by one of our agents. To stop this please call us today on 0843 381 0843.

 

If this debt has already been settled please contact us immediately so we can correct your file.

 

Yours sincerely,

 

DEBT MANAGER - Greg Campbell

NORTHERN DEBT RECOVERY

0843 381 0843

 

NOTICE: The contents of this e-mail are intended for the named addressee only.

 

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

Edited December 23, 2011 by Heropanda

[sillygirl1]

Report to the OFT, Toothfairy have been sanctioned by them and NDR are part of the unholy triangle of Toothfairy, NDR and Marshall Hoares Bailiffs (who are NOT bailiffs in collecting commercial debt).

 

Your complaint could be the one that gets this odious lot closed down - remember PDL companies are high profile with the OFT at the moment. If you do not complain then you are wasting time posting on the forum

 

http://www.consumerdirect.gov.uk for the Office of Fair Trading, remind them they have sanctioned Toothfairy, if they are buying debt that is against their OFT licence....

http://www.tradingstandards.gov.uk for Trading Standards

[sillygirl1]

They CANNOT seek goods at 9 times the value of the debt, the court would not allow them to do so, and they would not get judgement if you put in a defence. The fees mentioned are unlawful. They cannot visit all addresses they have for you on file either, that again is designed to scare you, and as for the 5 days, well that again is just waffle.

 

Get that email to the OFT immediately TODAY.

[Heropanda]

I take your point about reporting them, i reported Mackenzie Hall and then Motormile Finance when they continued threatening visits and emailing me on average every 2 days with threatening demands but what i received back was essentially 'so what, you owe money, what did you expect'.

 

I've had nothing of any use from either Alan Steward of East Ayrshire or the Trading Standards lot from my previous attempts to contact people.

[dx100uk]

also have a pop at the CRA lot

they should not be allowing the same debt to show twice

 

dx

[Heropanda]

The thing is that right now it doesn't make a difference whether it's one or two defaults as i'm not planning to apply for any finance, the important thing to me is to whether i can create a strategy from this situation where i can get rid of the muck hall default by settling the duplicate debt account

[BRIGADIER2JCS]

What is strange about this is that the''new'' entry

is not showing a s default so it doesn't breach the

1 debt one default rule, it basically shows a new

account which is up to date, also apart from the

fact the balances are the same it could well be

deemed on apperances that these are 2 seperate

accounts, this I think is what must be challenged.

 

The OP states in post1# that the MH entry is a MAIL ORDER ACCOUNT??

and that the Toothfairy Account is an advance against income??

Either I am totally loosing the plot or there are two individual accounts??

I think it's time to find out exactly what these accounts are before going

further.

[Heropanda]

They are certainly the same thing from my perspective, i remember thinking that the MuckHall label of 'mail order' was incorrect but i didn't think it was something worth challenging at the time as it was only the category that didn't correlate.

 

I've only just noticed something obvious to those who've read this fresh, the NDR letter suggests that i took that loan out on in September 2011 (which i didn't) sounds like the error might be on quickquids end and that they've sold the debt on again 2 years later or something with a filing error? Very confused now...

[BRIGADIER2JCS]

The MH default entry has no mention of an

original creditor, IMHO a simple request to

MH inquiring as to the ID of the OC onthis

account can do no harm, if your are

positive it is the same account.

[Heropanda]

I had about a million emails from MuckHall back in the day identifying quickquid as the original creditor and i also had this as part of a cca request (which i'm not sure where those papers are anymore), i had been dealing with Quickquid directly, failed to make an arrangement with them that satisfied and then it was transferred to muckhall who placed this default on there immediately. After Mucjhall it was Motormile finance and i assumed that motormile passed it on to NDR.

 

I'm now thinking that one of the following has happened:-

 

(1) Quickquid have had the debt returned as not collected and sold it on

(2) Quickquids systems have spit me back up in error and two different companies are chasing the same amount of money reported in two different places

(3) I'm a victim of id fraud and someone has opened up a new account with quickquid using my details and borrowed the same amount

 

Now i can't see it being (3) as they must have records with my details so i doubt they would offer to lend me a penny. If its (1) then does this mean that Muckhall has no legal ownership of that entry on my credit file and i can have it removed?

 

I'm sorry if i'm repeating the same things, i'm only just noticing some new elements to this that i hadn't realised before and i'm not sure how i can best impart the information that you guys need to know!