Mackenzie Hall - Any advice gratefully received.

[Jinks]

Hi all,

i would like go ask for advice on a situation I find myself in - I recently took out a small loan from Quick Quid for the value of £900. Unfortunately due to financial issues I was unable to repay the debt and it was "sold" onto Mackenzie Hall. Now I have been paying £105 per month on an arrangement with Mackenzie Hall for the last 7 months, I have never missed a repayment from day one of Mackenzie Hall taking on the debt and I now have 2 payments remaining. However I have checked my credit file and Mackenzie Hall have registered a default against me - I would like to know what my options are regarding this, are they able to register a default against me despite me not missing any repayments whilst they have had the debt? I have no recollection of a default notice from them as like previously stated I haven't missed any of my repayments with Mckenzie Hall. Quick Quid having registered a default against me and there original loan company, can MH register a default on there behalf?.. Really frustrated as I'm trying to repair my credit file/score and ensured I hadn't missed any repayments with MH and they still do this to me.

They seem a real bunch of crooks to me who are preying on people's misfortunes.

Thanks in advance

Sean

[miliitant]

Re: Mackenzie Hall - Any advice gratefully received.

quick quid and muck hall, only one of those can register the default.

quick quid first, then when it is sold to muck hall, the quick quid default is replaced with the muck hall one

end result

just one default notice#

i would be demanding a copy of the default and termination, plus the assignment notice from quick quid

[Jinks]

Re: Mackenzie Hall - Any advice gratefully received.

Hi - thanks for your reply,

im assuming any requests are better off done via recorded correspondence rather that telephony??

also are there any letter templates you could recommend for requesting the default notice and assignment???

thank you

[miliitant]

Re: Mackenzie Hall - Any advice gratefully received.

Send recorded delivery and request alll information via a subject access request;

[ODC]

Re: Mackenzie Hall - Any advice gratefully received.

NEVER speak to Muck Hall on the phone

[Jinks]

Re: Mackenzie Hall - Any advice gratefully received.

Hi all,

I have found this template online and was hoping someone would be good enough to advise if this would be appropriate for requesting the default notice and also the assignment notice from QQ.

Many thanks again

[Your full address]
[Phone number]
[The date]

[Name and address of the organisation]


Dear Sir or Madam
Subject access request
[Your full name and address and any other details to help identify you and the information you want.]
Please supply the information about me I am entitled to under the Data Protection Act 1998 relating to: [give specific details of the information you want, for example

• your personnel file;
• emails between ‘A’ and ‘B’ (between 1/6/11 and 1/9/11);
• your medical records (between 2006 & 2009) held by Dr ‘C’ at ‘D’ hospital;
• CCTV camera situated at (‘E’ location) on 23/5/12 between 11am and 5pm;
• copies of statements (between 2006 & 2009) held in account number xxxxx).]

If you need any more information from me, or a fee, please let me know as soon as possible.
It may be helpful for you to know that a request for information under the Data Protection Act 1998 should be responded to within 40 days.
If you do not normally deal with these requests, please pass this letter to your Data Protection Officer. If you need advice on dealing with this request, the Information Commissioner’s Office can assist you and can be contacted on 0303 123 1113 or at www.ico.gov.uk



Yours faithfully
[Signature]

[bluebottle]

Re: Mackenzie Hall - Any advice gratefully received.

Hi all,

I have found this template online and was hoping someone would be good enough to advise if this would be appropriate for requesting the default notice and also the assignment notice from QQ.

Many thanks again

[Your full address]
[Phone number]
[The date]

[Name and address of the organisation]


Dear Sir or Madam
Subject Access Request under Section 7, Data Protection Act 1998
Re.: [Your full name and address and any other details to help identify you and the information you want.]

This is a formal request for all information held about me by your company, in both electronic and manual form.

The information you are required to provide is as follows -

[Give specific details of the information you want, for example

• your personnel file;
• emails between ‘A’ and ‘B’ (between 1/6/11 and 1/9/11);
• your medical records (between 2006 & 2009) held by Dr ‘C’ at ‘D’ hospital;
• CCTV camera situated at (‘E’ location) on 23/5/12 between 11am and 5pm;
• copies of statements (between 2006 & 2009) held in account number xxxxx).]

If you require any further information from me, including a fee, the statutory maximum for which is £10, please let me know as soon as possible.

You are reminded that it is a legal requirement that a Subject Access Request under Section 7, Data Protection Act 1997 must be responded to within 40 calendar days from your company's receipt of the request.

If you do not normally deal with these requests, please pass this letter to your Data Protection Compliance Officer. If you need advice on dealing with this request, the Information Commissioner’s Office can assist you and can be contacted on 0303 123 1113 or at www.ico.gov.uk



Yours faithfully
[Signature]

Made a few amendments to tidy it up and formalise it.

[Jinks]

Re: Mackenzie Hall - Any advice gratefully received.

Thanks bluebottle - i really appreciate your help.

[bluebottle]

Re: Mackenzie Hall - Any advice gratefully received.

You're welcome.