Opos Limited/DERS/Mucky Hall/QuickQuid

[Feebee_71]

MRS really think they can scare and bully me - this time I've had a letter and an email a few days apart saying the exact same thing about the same account - and with lots of red ink all over the place. They obviously have no intention of asking Mucky Hall about the letter sent to them last year and think that sending letters will scare me.

 

Well, until such time as Mucky Hall tell me that they have assigned the debt to their former staff under a new name and, those staff are honest about being a common or garden (with apologies to commons and gardens) DCA rather than being a litigation specialist company that they told me they are, I'm happy to let them write to me and email me - they don't have (and won't get) a phone number from me so can't hassle me by phone - and even if they did I never use the landline and don't have a mobile phone in my name if they decided to search for one!!

 

Feebee_71

[Feebee_71]

Haha, well these Muppets (with apologies to Muppets for detriment this likening might cause) have now bared their teeth and shown themselves to be totally toothless!!

 

They have sent yet another email to me today

offering me a goodwill gesture to bring the account to resolution and a discount of 70% no the amount allegedly owed!! So, in other words, their threats to immediately proceed to court and have a ccj issued against of, are all hot air!! Oh, but I've only got until close of business yesterday to respond and accept!!

 

Now there's a surprise!!

 

Feebee_71

[Bazooka Boo]

There you have it. You've won and they have backed down.

 

That is the last piece of effort they are willing to exert before they flog this on to another clown who will attempt their best fleecing techniques.

 

Discount = Nothing enforceable..

[Feebee_71]

Thanks Bazooka Boo,

 

The funny thing is, Mucky Hall also made an offer to me a while ago whereby they would give me a substantial discount on the balance if I paid up there and then!!! And that discount was less than this current one!!!

 

Because of that previous offer I knew there must be something kooky about the account (a pdl) that they really don't want to take it to court!!!

 

Oh well, life is boring again, wonder what and when they'll next email/write to me? Actually that's a funny thing about this discount offer - it came as an email but hasn't been followed up by a hard copy letter unlike previous correspondence I wonder why?

 

Feebee_71

[Feebee_71]

Another week and another offer from MRS................

 

Here it is in all it's glory (except the figures which are ficticious)

 

"

We have recently written to you to inform you of our involvement in the recovery process of the account listed above.

In order to draw an amicable conclusion to this matter, our clients are willing to offer you this opportunity to agree a repayment value that is 70% less than the balance owing on the provision that paying this sum will exonerate you from any further liability.

Your Account Balance: £500.00

Offer of Termination: £150.00

Offer Expiry Date: 31 August 2012"

Funnily enough, it's the same offer they made me earlier in the month but with the bit about exonerating me from any further liability!!

My position hasn't changed though!!

Feebee_71

[Bazooka Boo]

Dear oh dear, clutching at straws, how very very sad.

 

Add that to the ignore pile and forget about them.

[Feebee_71]

Hi all,

 

How 'toothed' (or, more to the point, toothless) are this outfit?

 

A debt I've been receiving letters about from a variety of companies has been passed to them by Mucky Hall - it's even been sent in an envelope identical to those sent out by Mucky Hall!! In the past there have been threats of legal action with the usual might's, maybe's and could's; there have even been offers of substantial reduction in the amount owed if paid off as a lump sum!!

 

Now I've received a letter from this lot offering me a final opportunity to pay up or be taken to court (or words to that effect).

 

For reference, the debt is a pay day loan that was defaulted almost 2 years ago due to unemployment. I think it is now owned by Mucky Hall but can't be certain (though they are listed as the client in this most recent letter!) And, when MH first wrote to me about it at least 18 months ago, I offered £1/pcm but that letter was never acknowledged by them!!

 

Advice gratefully welcomed,

 

Feebee_71

[renegadeimp]

First piece of advice.... Complain to the OFT.

 

Second... Get that CCA request out.

 

Also, discount offers are a sure sign of the debt being unenforceable in some way. Especially since nobodies really been doing anything for 2 years.

[Feebee_71]

Thanks renegadeimp,

 

Who do I CCA? Would that be MH or HL?

 

Feebee_71

[renegadeimp]

You'd CCA whoever is chasing you. If they cant produce a reconstituted agreement that meets requirements, then they cant enforce it. However, the rules are very lax, so they might be able to produce something.

 

It;s always worth checking. You can also negotiate payment with them, but since discounts have been offered, you need to find out why, so it might be a good idea to SAR the OC.

[dx100uk]

do you really thing a fake/tame DCA soicitor is going to go ANYWHERE near a court

about a payday loan EVER again...

 

i think not!!

 

dx

[Feebee_71]

Thanks guys, think I was just getting twitchy because I'd read that MH were more likely to issue claims against debtors following the departure of some of their directors over the last few months!!

 

Is there likely to be any issue with the agreement given that, being a PDL, it was all conducted over t'internet??

 

Feebee_71

[BRIGADIER2JCS]

Get a credit report!!!

[Feebee_71]

It was on these last time I looked at it but I can't remember who it was showing as owning the debt. I'm not home for the next day or so as I'm off to my aunts with my sister and her children but will look at on credit report when I'm on the laptop next time!!

 

Feebee_71

[Feebee_71]

And, once again I've had contact from Muck Hell!! Obviously think that I'm going to suddenly be scared by the words they use as seen below........

 

"Unless payment is made on your loan by xx August 2013 it may be sold to a third party collection agency.

 

To help you prevent this transfer your defaulted loan balance has been referred to the QuickQuid Final Resolution Department.

 

QuickQuid will accept a re-payment plan over n/a months. Based on your outstanding balance of n/a this would be a monthly payment of n/a. Please contact our Final Resolution Department between 08:00 and 21:00 Mon - Fri at 0800 016 3114 to accept this offer or to learn about other options available. It is important to provide dates of payment when replying to this e-mail as the arrangement is incomplete without dates of payment.

 

Once a payment plan is in place, collections activities will stop as long as payments are made on time. The only forms of payment accepted for this offer are Debit Card or Direct Debit Mandate. If your account information has changed please inform our agents so they can update your information.

 

QuickQuid Final Resolution

escalation@quickquid.co.uk

0800 016 3114

www.QuickQuid.co.uk"

 

Anyone notice the subtle errors? I'll give you a hand - the only thing not as written in the email is the date by which they expect resolution!!

 

Feebee_71

[Bombaymix]

^ lol.

 

You're not alone in receiving that email... I think every single previous and existing customer of QQ received the same email and then another one apologising about that email on the same day.

[Feebee_71]

Thanks, just read about others getting the same email. Interestingly, I haven't had a second email!!

 

Feebee_71

[renegadeimp]

Report it to the OFT and then ignore.

[Feebee_71]

Thanks renegadeimp,

 

That's what I plan to do and have maintained that stance ever since my initial letter offering a small monthly sum while out of work that was ignored!!

 

Feebee_71

[turkwyfe4lyfe]

You know if you want to stop all this, you could email either png @ quickquid dot co do uk, or even higher than him..... ddirzo @ quickquid .co.uk for a better resolution.

[turkwyfe4lyfe]

The only forms of payment accepted for this offer are Debit Card or direct debit

 

 

 

This is also lies. When dealing with the final resolutions team or higher, they will let you repay by however you want to pay. I managed to get a standing order plan with them...

[renegadeimp]

As well as lies its a breach of uk law. They are not allowed to refuse any payment towards a debt.

[turkwyfe4lyfe]

Thats very true but they still do it.... Thats why you have to go higher than the collections department.

[renegadeimp]

They do it because people dont report them.