DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

[Steppest]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Thank you very much guys, I will get right on to this
Steppest

[bluebottle]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

"2. They have called as someone else, claiming that thy are a postal sorting place in Scotland and that they have undelivered mail for me"

This to me is a misrepresention designed to deceive, it is also an offence to pose as another business entity........I would certainly make the OFT aware of this.
I'd make the Royal Mail aware of the fact that they are posing to be part of the Royal Mail organisation and service.
I know I would........ but as everyone knows my views are not allways the same as others and are only my own


Sparkie

Solid gold advice, Sparkie. Royal Mail Investigation Section are going to be well-chuffed not with Mucky Hall for using that tactic. And the ICO isn't exactly going to be enamoured with them either.

Steppest,

I am attaching some documents to this post so that you can report Mucky Hall to OFT Credit Fitness Team, who are not going to be best-pleased with them over this. Don't forget to copy the email to your local Trading Standards.

As far as the ICO goes, ring their telephone helpline first. I have found that the best approach.

[Sparkie1723]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

"2. They have called as someone else, claiming that thy are a postal sorting place in Scotland and that they have undelivered mail for me"

This to me is a misrepresention designed to deceive, it is also an offence to pose as another business entity........I would certainly make the OFT aware of this.
I'd make the Royal Mail aware of the fact that they are posing to be part of the Royal Mail organisation and service.
I know I would........ but as everyone knows my views are not allways the same as others and are only my own


Sparkie

[bluebottle]

Re: Doorstep Agents Visit From Motormile

Hi there,
ive been reading this thread and it's explained a lot about mucky halls MO. I would like to add a couple of tactics they have been using with me to try and obtain money/a new postal address.
1. They've called work, though work (mentioning no names but large supermarket where you can "taste the difference" have pointed out to them that unless this is business related they will not pass on any messages nor transfer any calls. Neither will they confirm nor deny that I work there due to their data protection policy
2. They have called as someone else, claiming that thy are a postal sorting place in Scotland and that they have undelivered mail for me. Once confirming my name I was then transferred to a Mucky hall agent. I told this agent not to call me at work (and this appears to have worked) Unfortunately I was so flustered at the time that I gave the agent my mobile number. I have subsequently ignored any unfamiliar numbers calling that number.
3. This morning at exactly 8 am I received a call from a number I did not recognise but which did have my local area code at the beginning. As I am on holiday at present I let it ring off (still happily dozing) and checked the voicemail message. Turned out to be a recorded message from Mucky hall!

I'm not requesting advice, just wanted to highlight to others the lengths this company will go to in bullying you into making a payment or handing your bank details over.

P.S. mentioned Mucky hall to a couple of ex bailiff friends of mine and the laughed and told me to ignore everything from them

Have you reported this to OFT Credit Fitness Team and Trading Standards yet? What you have described are clear and blatant breaches of OFT Debt Collection Guidelines on the part of Mucky Hall. There are also legal provisions by which a person can legally-restrain DCAs.

[Steppest]

Re: Doorstep Agents Visit From Motormile

Hi there,
ive been reading this thread and it's explained a lot about mucky halls MO. I would like to add a couple of tactics they have been using with me to try and obtain money/a new postal address.
1. They've called work, though work (mentioning no names but large supermarket where you can "taste the difference" have pointed out to them that unless this is business related they will not pass on any messages nor transfer any calls. Neither will they confirm nor deny that I work there due to their data protection policy
2. They have called as someone else, claiming that thy are a postal sorting place in Scotland and that they have undelivered mail for me. Once confirming my name I was then transferred to a Mucky hall agent. I told this agent not to call me at work (and this appears to have worked) Unfortunately I was so flustered at the time that I gave the agent my mobile number. I have subsequently ignored any unfamiliar numbers calling that number.
3. This morning at exactly 8 am I received a call from a number I did not recognise but which did have my local area code at the beginning. As I am on holiday at present I let it ring off (still happily dozing) and checked the voicemail message. Turned out to be a recorded message from Mucky hall!

I'm not requesting advice, just wanted to highlight to others the lengths this company will go to in bullying you into making a payment or handing your bank details over.

P.S. mentioned Mucky hall to a couple of ex bailiff friends of mine and the laughed and told me to ignore everything from them

[Celestine]

Re: Doorstep Agents Visit From Motormile

Well spotted Peter, I will merge the thread to keep all the info in one place.

Re: Doorstep Agents Visit From Motormile

hi


http://www.legalbeagles.info/forums/...893#post209893 ?

Have you been down this path before?

Perhaps if you found out what you legally owe you could sort this out once and for all.

Peter

[Noushki]

Re: Doorstep Agents Visit From Motormile

ha ha ha. I constructed 2 letters based on your fantastic suggestions - one to the doorstep agent and one to Barnaby. I will see what they say

Thank you all!

[Sparkie1723]

Re: Doorstep Agents Visit From Motormile

FRom my "QUICK" investigations:beagle:

QUICKQUID are trading style of a Yankee Company called Casheuro net UK LLC who have a CCA licence...........BUT it does not have the required category for debt collecting that's why they assigned it .....BUT by passing on on your info in the first bplace they committed a criminal offence because........they do not hold a DPA licence to process data.

Even though MOtormile have a DPA licence the initial info has been obtained by them unlawfully ........

Report all this to the OFT and the ICO as well as telling them all to go away in Short Sharp Jerky Movements.

Sparkie

Re: Doorstep Agents Visit From Motormile

What do you mean - itemised? They only mentioned the total amount given to them by McKenzie Hall. That's all.

I have just noticed somethign VERY INTERESTING - the notice of assignment was sent from the folowing email: qq@mmile.com, so it wasn't actually sent by Quick Quid company but Motormile Finance that created an email that sounds like Quick Quid. Therefore, can i request a proof that they own the debt like an agreement between Quick Quid and them?

Hi
You mention in post one that you took out a loan, if you have made payments presumably they have your bank details , so they will have sufficiant proof to show the existance of the loan
I think it unlikely that they will take you to court, but it as well to find out exactly what you owe if anything. Just in case.

You need an itemised detailed breakdown of how much is due to the loan ballance how much is charges, post default interest etc.

Peter

Peter

Re: Doorstep Agents Visit From Motormile

While you're at it, you could ask him for a copy of his companies Data Processing Policy and Privacy Policy, also the name of the Data Controller who is registered with the Information Commissioner's Office as if he fails to provide sufficient proof of his entitlement to collect this debt you may well want to report them to the ICO as the Data Controller is personally liable for any data processed by the company as a whole, and legal action can be taken against them personally, not the company.

In fact, a well worded letter to the aforementioned person, containing a lot (but not all) of the information that could be thrown at him, could well have him nipping down to his local supermarket for some Pampers with great speed!

[teaboy2]

Re: Doorstep Agents Visit From Motormile

Hi Celestine and Peterbard!
Thank you for your response.

I have received an email from apparently Quick Quid with a notice of assignment informing me the debt was assigned from McKenzie Hall to Motormile Finance and this company is now a legal owner of the debt.

I will send a letter regarding the doorstep visit. Thank you for the template.

What really ****es me off is that they do not acknowledge that I have repaid part of the debt and they still illegally claiming the full amount. Also, they never agreed to repayments and if they were bloody smart and took my offer by now it would probably be fully repaid. Idiots! Now I do not intend to make it easy for them.

Noushki

I doubt the email was from quick quid it was probably from QQ@mmile.com or similar. Put it this way Quick Quid will not know about the assignment from Mackenzie hall to Motormile as it does not involve Quick Quid and has not involved Quick Quid since they sold to Mackenzie hall.

Anyway, put an emailed complaint letter in to Banaby Page as hes the MD of Motormile, and when i had issues with him he didn't have a clue about consumer law let alone need for default notice (valid ones) prior to court action or that creating a new agreement is unlawful, which is what QQ do if you fail to repay within the original time limit on the original agreement and thats on top of the unlawful failed payment charges that resulted in their unlawful and abusive constant (i.e daily upto 2-3 times) attempts to collect payment form a debit card.

Heres his email address - barnaby@mmile.com and remind him of his email communications with teaboy2 earlier this year and that i am aware of his companies attempts to collect from you whilst ignoring OFT guidelines and your dispute, and remind him what i told him about the law and the OFT.

That should get his attention lol.

[Noushki]

Re: Doorstep Agents Visit From Motormile

Bloody good! Thank you Labman!

Re: Doorstep Agents Visit From Motormile

Noushki,

A notice of assignment should, by rights, come from the assignee now (EU consumer Credit Directives), so bizarrely they're one of the few to get it right.

There may be a Deed of Assignment, but it's not worth trying to get your hands on that unless you're willing to pursue it to court to get it under CPR31.

If it's unclear to you and you want proof, a simple Prove It letter is as effective as anything. Also, if you want to just be downright difficult and obstinate, the following is a good starter (plenty more to come if you want to be really difficult!):

Dear Sir/Madam

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I would point out that I have no knowledge of any such debt being owed to Motormile Finance.

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I look forward to your reply.

Yours faithfully,

[Noushki]

Re: Doorstep Agents Visit From Motormile

What do you mean - itemised? They only mentioned the total amount given to them by McKenzie Hall. That's all.

I have just noticed somethign VERY INTERESTING - the notice of assignment was sent from the folowing email: qq@mmile.com, so it wasn't actually sent by Quick Quid company but Motormile Finance that created an email that sounds like Quick Quid. Therefore, can i request a proof that they own the debt like an agreement between Quick Quid and them?