McKenzie Hall

Geek106

I took a payday loan with Mini Credit for about £230, which i defaulted on the full payment. Mini Credit were then taking payments out of my account, which i have now added up nad they total £720.

However they have passed the debt onto McKenzie Hall, and they want me to pay over £200 -can anbyone give me some advice on what i can do? Seems unfair to be charged over £400.

DCFC79

Geek106 wrote: »

I took a payday loan with Mini Credit for about £230, which i defaulted on the full payment. Mini Credit were then taking payments out of my account, which i have now added up nad they total £720.

However they have passed the debt onto McKenzie Hall, and they want me to pay over £200 -can anbyone give me some advice on what i can do? Seems unfair to be charged over £400.

To be fair you defaulted on the original loan of £230. Can you not pair what you owe ?

whodini

I got a letter claiming I owed x amount a month or so ago. I had debts years and years ago - but I know my credit is now clean as I have bought various things that needed credit checks.

Letter no 1 said: Plse contact us regarding a personal matter.

Letter 2 said the same thing

Letter 3 said: I have a debt with some credit company I had never heard of and i had x amount of days to pay.

After letter one I came on here to check them out. Not heard from them since.

I ignored all 3 letters from advice taken on here. If the debt is old they cannot touch you - 6 years. If it's a new then I don;t know. But from reading here they are trying it on - Ive reported them to trading standards.

I find it fishy that the debt is a lot bigger than it was. Talk to trading standards or consumer direct or maybe a lawyer first; but don't call these chancers - once you tell them it;s your debt they've got you.

What !!!!es me off in this world every organisation from religion to politics to debt collectors use scare tactics to control us. Damn B*******!!

pvt

whodini wrote: »

but I know my credit is now clean

I find it fishy that the debt is a lot bigger than it was. !!!!

Those two bits don't quite add up?

pvt

PS - You should really have started your own thread on this rather than bolting it onto an old one.

RobertoMoir

whodini wrote: »

I got a letter claiming I owed x amount a month or so ago. I had debts years and years ago - but I know my credit is now clean as I have bought various things that needed credit checks.

Letter no 1 said: Plse contact us regarding a personal matter.

Letter 2 said the same thing

Letter 3 said: I have a debt with some credit company I had never heard of and i had x amount of days to pay.

After letter one I came on here to check them out. Not heard from them since.

I ignored all 3 letters from advice taken on here. If the debt is old they cannot touch you - 6 years. If it's a new then I don;t know. But from reading here they are trying it on - Ive reported them to trading standards.

I'm not sure if you're trying to post to help the OP or asking for clarification of your own issues, but assuming the former: Either you've had poor advice from here or you've missed out a lot of important information.

No one competent would tell you to ignore a debt, at least not without any further context. Please don't go around blindly suggesting that to others because 99% of the time it will not help them.

If its not yours then you wouldn't want it associated with you. The correct course of action would be to ask them to prove it was yours (Remember, its up to DCAs to prove you owe a debt, not for you to prove that you do not).

And the rules about debt being "old" aren't quite what you think. As I recall, its pretty much as follows:

• IF the creditor has not taken court action against you, eg CCJ, AND
• You have not made any payments on the debt over the last 6 years,AND
• During the years, you haven't written to the creditor acknowledging that owe them money.

Then the debt is statute barred. This means they cannot pursue the debt through the courts.

I find it fishy that the debt is a lot bigger than it was. Talk to trading standards or consumer direct or maybe a lawyer first; but don't call these chancers - once you tell them it;s your debt they've got you.

The OP's debt will be a lot bigger than it was because its a pay day loan. The interest rates on those rack up very quickly when they're not repaid on time. That's why the regulars on here tend to advise against using them. Having said that, however, I'd certainly be asking for a breakdown of the account in their position.

I agree with not phoning the DCA, I would only ever deal with people like that in writing. But just as another minor point once a debt has become statute barred (not that I think it applies here but its what you were talking about) then it cannot become "un-statute barred" by acknowledging it.