DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

[Noushki]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

I appreciate that. I gave them the last chance to correct the balance and renegotiate the repayment. But it seems that they are not bothered. They prefer to continue wasting money on paper No probs, I've got time....alll 6 years!

[mr.ton]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Yes..still waiting for my visit from Meritfarce from so many years ago now.

[teaboy2]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Noushkis send them the CCA request, i can gaurantee since its Quick Quid it will be unenforceable anyway, as what they do when people fail to repay is change the original loan agreements loan period from i.e. 1 month to cover 2 months (therefore making it a non true copy of originally executed agreement) Also they will set up a second loan agreement as a result of the unofficial loan extension as a completely new loan agreement covering the period after the original loan period was due to end, for the same amount on money - i.e. a completely seperate loan agreement, that was fruaduently applied to your account in which they will have entered your name in the signiture area to, though any claim on the second loan account would be unenforceable to as for that to be enforceable they will have had to have paid the money into your account for it on top of the money from the first original loan.

So they will never take this to court, and best way to get rid of them is to send a CCA request then send a reply once you receive the CCA outlining the above that i have mentioned. Also make clear that if you have not received a Default Notice from Quick Quid themselves, which you probably haven't then that means Quick Quid unlawfully terminated the loan agreement and as they have sold it the failure of the Default Notice can not be rectify, and therefore the loan can not be enforce due to the lack of any Default Notice from Quick Quid.

Then send them a section 10 notice under the Data Protection Act for good measure.

[Curlyben]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Actually Teaboy I disagree with the CCA course of action, especially when dealing with Mucky Hall.

Save the lawful requests for a real DCA and not bottom feeders like this.

If they fail to respond to a simple Prove It then a more formal request will gain nothing.

There's little to be gained in papering all DCA's with CCA requests when a more simple approach often gets better results.

Also I don't believe that CCA covers payday loans due to there limited nature ie repayable in one go within a month.

[CleverClogs]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

There's little to be gained in papering all DCA's with CCA requests when a more simple approach often gets better results.

Such as referring them to the case of Arkell v Pressdram?

[ODC]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

I know those guys have no rights to come inside my house, so my boyfriend and I agreed that when someone comes asking for me, he will announce we split up and I do not live here anymore

!

You do not have to tell them that.

Just tell them to Feck Off. Its that simple. These muppets have absolutely NO LEGAL POWERS WHATSOEVER

Should the fail to leave your premises when asked you do have the right to use minimum force to remove them but a much more fun tactic is to use your mobile phone to video him and make a note of his registration number. Post it on You tube.

[CleverClogs]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

You do not have to tell them that.

Just tell them to Feck Off. Its that simple. These muppets have absolutely NO LEGAL POWERS WHATSOEVER

Should the fail to leave your premises when asked you do have the right to use minimum force to remove them but a much more fun tactic is to use your mobile phone to video him and make a note of his registration number. Post it on You tube.

Whilst squirting a water pistol in the oaf's face?

[alsagerman]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Whilst squirting a water pistol in the oaf's face?

Whilst that action may be very tempting and fun, it would actually be common assult and leave you liable to arrest. You need do nothing more than to instruct them to go away, if they refuse you can then set the police on them. Far better for you to keep on the right side of the law.

[teaboy2]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Whilst that action may be very tempting and fun, it would actually be common assult and leave you liable to arrest. You need do nothing more than to instruct them to go away, if they refuse you can then set the police on them. Far better for you to keep on the right side of the law.

Yes but if they are committing tort of trespass, and refusing to leave then you can use reasonable force to eject them from the property.

[CleverClogs]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Yes but if they are committing tort of trespass, and refusing to leave then you can use reasonable force to eject them from the property.

Exactly - and I doubt that the use of a water pistol containing water would be considered more than "reasonable force".

It would be more serious were one to fill it with O-isopropyl methylphosphonofluoridate, but so few pharmacies stock it these days.

[alsagerman]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Yes but if they are committing tort of trespass, and refusing to leave then you can use reasonable force to eject them from the property.

You are absolutely correct re: reasonble force. However how, exactly, do you think skirting a water pistol at them would contstitute reasonble force? I understand the temptation (wish it was legal to pour boiling oil on them) but think before you act. How will it benifit your cause to get yourself arrested?

Additionally, if you point a "weapon" at someone, how is that person to know, or claim they know, it's not a real gun. Is it really worth the hassle that might come your way?

[CleverClogs]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

You are absolutely correct re: reasonble force. However how, exactly, do you think skirting a water pistol at them would contstitute reasonble force?

"Leave my property at once, or I will squirt this water pistol in your face until you do."

Or do you consider that "reasonable force" is just threatening to fart in their approximate direction?

I understand the temptation (wish it was legal to pour boiling oil on them) but think before you act. How will it benifit your cause to get yourself arrested?

So who would arrest the householder - the trespasser who had refused to leave when instructed?

[ODC]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Much better to accidentally soak th with your garden hose whilst watering your plants

[Crispybacon]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Easier way round it, get out a hosepipe and water the pot plants by your front door.

If the 'doorstep collector' happened to get in the way it'd be an accident wouldn't it?

No 'unreasonable force' arguement required. Plod wouldn't be interested as its a 'civil matter'.

[CleverClogs]

Re: DOORSTEP VISIT THREAT - MacKenzie Hall threat letter

Additionally, if you point a "weapon" at someone, how is that person to know, or claim they know, it's not a real gun. Is it really worth the hassle that might come your way?

I expect that they might get something of a clue when water issued from the "barrel" rather than a bullet.