DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

[Noushki]

Re: Doorstep Agents Visit From Motormile

Celestine
Where do I find NOTICE OF REMOVAL OF IMPLIED RIGHT OF ACCESS, so I can atatch it to the letter as mentioned above?

Thank you. Nx

Re: Doorstep Agents Visit From Motormile

Hi
They can only seek repayment of monies due under the orriginal agreement, unless you made arrangments to enter into subsequent borrowing.

Have they itemised your alleged debt on any of their correspondence.

Peter

[Noushki]

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

[Noushki]

Re: Doorstep Agents Visit From Motormile

Thank you. Although it is a similar story, but debt is not 8 years old. I have taken it 2 years ago and I have paid off some of it. When I struggled financially I have offered them to pay £60 monthly, but they refused. In addition they were extremely rude to me, so I stopped answering calls or responding to their letters.

Shall I use some of the examples of letters and post one to them,so they can bugger off?

[Celestine]

Re: Doorstep Agents Visit From Motormile

Well found Charity, I was just hunting for that letter!!!


"Dear Sirs,

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged.

Furthermore, should it be your intention to arrange a “doorstep visit”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.
I have also attached a NOTICE OF REMOVAL OF IMPLIED RIGHT OF ACCESS to this letter for you to read at your leisure, also! a copy of this notice is now displayed on my property.


Yours faithfully,




(name in print)

Re: Doorstep Agents Visit From Motormile

Hi
We will go into more detail later but briefly.
They have no right in law to visit you at your home if you do not want them to. If they do call you can just tell them to go away and shut the door in their face. If they do not leave you can phone the police they are committing trespass.
You need to keep a record of all contact with these people, dates times and what was said.
Make it clear that you will only communicate with them in writing. If they ring refuse to answer their security questions, they are then unable to talk further about the debt.

Do you have details of the initial loan and any correspondence that shows how they derived the amount owed.
Peter

[charitynjw]

Re: Doorstep Agents Visit From Motormile

This should be of interest - esp post#39

http://www.legalbeagles.info/forums/...d.php?p=229736

[Noushki]

Doorstep Agents Visit From Motormile

Good Morning,
On Friday I have received an envelope hand delivered to my home address including the attached letter.

It is regarding a loan I took with Quick Quid. Depsite several letters to QQ and later to McKenzie Hall that took over that debt, they seem to ignore an important fact I have repaid a part if this loan. Also, I originally offered £60 per month repayment plan, but again they ignored me demanding a full amount.

Not only they demand incorrect amount which I think is illegal, but they threaten with home visits. I did give QQ and McKenzie Hall a chance to come up with a reasonable repayment plan, but they never responded to my offer. Instead they harrased me with phone calls and letters.

Now, McKenzie Hall has given up and sold the debt to Motormile Finance that is trying to scare me with home visits and legal actions.

Can anyone tell me few following things:
- do they have a right to such visits
- what they can do when they arrive at my doorstep
- what are my rights
- what would be their next move if i do not respond to their letter
- shall I post them copies of all letters I sent to McKenzie Hall

I will much appreciate your kind advice.

Thank you so much.

N

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

One really does wonder if those oafs have ever read the relevant laws - in this case, section 87 of the Consumer Credit Act 1974 (link)

[postggj]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

QQ would have sold this debt to mucky hall who would have then sold it to MM.

that explains things

does not matter though

hell would freeze over befor i contacted this lot

------------------------------- merged -------------------------------
QQ would have sold this debt to mucky hall who would have then sold it to MM.

that explains things, thanks

hel would freeze over before i contacted this lot

[teaboy2]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

just curious on this

getting email from motormile finance ref a wage day advance pay day loan that has been assigned to motormile finance, ime sure i paid it off so i will look into that later but

the email is addressed qq@mmile,com

qq is quick quid, so my questions are

1/ is quick quid this motormile finance
2/ has muckyhall got anything to do with this outfit

and, have a nose at this statement from them in the email

The file is now being prepared for a Notice of Default to be issued and then for a Doorstep Agent visit to your property to assess your living standards and financial position.

ime so scared, my door step has allrady been sold, no right of access and tort of trespass will see them off not to mention i left that address three years ago. thats why the keep bombarding me with emails.

well they can still wait, emails just get filed.


PLEASE DO NOT IGNORE THIS MATTER AS COSTS AND INTEREST WILL SHORTLY START TO BE ADDED TO THE ACCOUNT BALANCE AND WILL GREATLY INCREASE THE AMOUNT YOU WILL HAVE TO PAY.



on a 30 day loan, the agreement is terminated after 30 days but even so


they cant add costs and interests unless the original agreements allow it in the assignment


seems a complaint to the oft is in order with this lot

Lol Don't be scared of these muppets, i had dealings with them from a 2009 pay day loan with quick quid, which i have no records of ever having plus no default notice. I spoke to the owner of motormile, a Mr page i believe, and he didn't even know the legalisation regarding Default notices. So if this guy wants to claim that a DN is now being prepared, when by law it can only be valid and issued by the original creditor before it is assigned to a debt collector, then let them as it will be and invalid DN and unenforceable in court. I would print copies of the email they sent you and attached a letter advising that Default Notices can only be issued by the original creditor prior to the debt being assigned to the OFT, trading standards, watchdog and any other relevant authority of organisation you can think off. Plus uf any doorstep visitor comes tell them to F off as they are committing an act of tort of trepass if turning up without prior agreement or appointment with yourself.

QQ would have sold this debt to mucky hall who would have then sold it to MM.

[postggj]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

just curious on this

getting email from motormile finance ref a wage day advance pay day loan that has been assigned to motormile finance, ime sure i paid it off so i will look into that later but

the email is addressed qq@mmile,com

qq is quick quid, so my questions are

1/ is quick quid this motormile finance
2/ has muckyhall got anything to do with this outfit

and, have a nose at this statement from them in the email

The file is now being prepared for a Notice of Default to be issued and then for a Doorstep Agent visit to your property to assess your living standards and financial position.

ime so scared, my door step has allrady been sold, no right of access and tort of trespass will see them off not to mention i left that address three years ago. thats why the keep bombarding me with emails.

well they can still wait, emails just get filed.


PLEASE DO NOT IGNORE THIS MATTER AS COSTS AND INTEREST WILL SHORTLY START TO BE ADDED TO THE ACCOUNT BALANCE AND WILL GREATLY INCREASE THE AMOUNT YOU WILL HAVE TO PAY.



on a 30 day loan, the agreement is terminated after 30 days but even so


they cant add costs and interests unless the original agreements allow it in the assignment


seems a complaint to the oft is in order with this lot

[Jennie wren]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Hi

I had a loan from Quick Quid, but shortly after my husband got made redundant so could not afford to pay it back in full. They kept ringing me and I explained the situation & tried to make an offer. They would not consider any offer but sent me an email telling me that I should prioritise my debts & contact a DMC. The next time they rang I told them I am my own DMC, quoted what the email said about prioritising my debts and told them I had prioritised and they were at the very bottom. I told them only to contact me in writing and they kept saying "that is not possible & we will continue our collection procedure". I have just recently received a text message telling me to contact mackenzie hall & a letter from said mackenzie hall stating:

Dear Mr J.C (I AM A MRS!)

We write to give you formal notice that Quick Quid has legally assigned the rights to the above debt to Mackenzie Hall Debt Purchase Ltd. This means that Mackenzie Hall Debt Purchases Ltd now legally own the debt.

BLAH BLAH BLAH! with all the IN THE EVENT OF, MAYS, SHOULDS, ETC ETC.

Reading this thread has been of much use to me and I feel a little better now, so thank you.

Jennie

[teaboy2]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Since when have you known Mucky Hall - the St Jude of DCAs - only to do what they should?

I never have known them too - Thats why i said they should not be doing that, so then the Terry knows they shouldn't be doing it either - Just incase he didn't already know. The more who know that the more people we can get to complain about these pathetic little swamp creatures lol.

In fact, my letters to them in the past, were so dam good, that i heard they may be using them as training material of framing them on the walls as examples of what to expect from teaboy2. Though i doubt they understanding my letters, as the words in it contain mainly more than 4 letter words and i believe swamp creatures have difficulty making sense of words greater than 2 or 3 letters. In fact, they only understand the words "yes" "no" and "sir" - As for the words "3 bags full" well.. That bit goes straight over their heads lol

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Since when have you known Mucky Hall - the St Jude of DCAs - only to do what they should?