Mackenzie Hall - Default Notice

Last_stand

I am sorry if this is the wrong place to post this, i am new to this forum,

On the 19th of september i received a letter from Mackenzie Hall debt purchase (the first letter I've had from the company), since the debt was sold on from QuickQuid, the letter states that i need to pay my outstanding debt (£531.41) by the 21st of september, 2 days after i received the letter, this is unfortunately not possible as i do not have that kind of money at this moment i am a student waiting for my next student loan and working part time.

I dont know what the best way to handle this is, so im looking for any sort of help anyone can give me on this matter.

Thank you for taking the time to read this, LS.

shedhead55

Impossible deadlines and threats of terrible things are a normal tactic used by debt collectors to try and get you to panic.

IMHO you should contact them in your own time, in writing only, and make an offer of a payment plan you can afford, you should point out your circumstances and be very clear that it is the best offer you can possibly make, if it is reasonable then they cannot lawfully refuse. You should also request their bank details to set up a standing order for the payments, resist the pressure they will put on you to set up a direct debit or continuous card payment as these payment methods give you less control and have in the past been misused by debt collectors.

It is best to avoid telephone contact with debt collectors as their agents are often intimidating and tend to have little knowledge of the guidelines to which they should be complying, furthermore any letters you send should only have your typed name rather than a signature.

The OFT guidelines are a useful guide to the limits on what debt collectors can insist on and it would be perhaps be helpful to give them a read.

ladybez

My daughter got a similar letter from McH, on behalf of Wonga, for a similar amount. She wrote to them saying due to a change in circumstances she could not pay the full amount and offered £10.00 per month also requesting details to set up standing order. A month has passed with no response, so we are presuming they have accepted the offer. Her next payment will be in the post tomorrow. Would suggest you do something similar. x