Boyfriend just had to pay >£1000 - help!!

saffronflowers

Could you transfer balance the Vanquis to the 0% as their interest rates are nortoriously horrendous.

Anyways welldone for the action plan - why dont you put up your SOA and we can all take a look and help you budget from now till the 0% card

SFx

emma_lewis84

I honestly can't tell you how much of a difference it makes being able to come onto this site and chat about money problems - it makes them all feel so much more beatable and for being debt free to actually be achievable!

By July, I want to be in the position whereby we are actually saving a significant amount of money each month - so if any unforseen costs come our way it doesn't totally floor us...

I'm well up for moneysaving, just hope the BF is too!!

I'd never thought of tranferring the Vanquis budget to 0% card...BF get's paid on the 25th, so he can pay Vanquis off in full then anyway - it was a necessary evil at the time, but BF is not the best at dealing with money and got carried away - MEN!! ... Xox

emma_lewis84

rayday2 wrote: »

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Just read the above and MH contravined every guideline provided by the Office of Fair Trading!! What is not clear though is who I should contact to make a complaint about MH?

I will also check with Trading Standards...
E Xox

RAS

List if contacts for complaints

You need the TS local to the MH office which wrote to you.

Office of Fair Trading, Contact page: http://www.oft.gov.uk/advice_and_res...ase/legal/cca/

The Information Commissioners Office, Complaints page: http://www.ico.gov.uk/complaints.aspx
(note: I chose to complete and download the .pdf form on Data Protection, which I am also sending to the other offices, with an accompanying letter)

Trading Standards, Central office homepage: http://www.tradingstandards.gov.uk/
-Please note, you can search by inserting the postcode in the top right hand corner, remember to use the postcode of the DCA rather than your own-

Consumer Credit Association, enquiries page: http://www.ccauk.org/consenquiries.htm

the Financial Ombudsman Service, Contacts page: http://www.financial-ombudsman.org/contact/index.html

Members of parliament list, (as provided by RAS): http://www.parliament.uk/directories/hciolists/clomps.cfm

rayday2

RAS you are a star I was hoping someone would be able to help and was frantically searching the net!

emma_lewis84

you guys are my heroes!! I'm going to write to my MP, Hazel Blears, and also get BF to contact The Ombusmand for advice. the OFT seems to only deal with mass complaints, and not individual cases.

Will try trading standards...
I'm not prepared to take this lying down

RAS

Emma

Rog2 made a very valid comnet in response to your entry on another MH thread yesterday.

Under the statute barred rules, the debt still exists, but once you tell the DCA you are not paying, they are not allowed to pursue the debt. If they contact you and you pay, you are stuffed.

Under the Consumer Credit Act, a DCA can only collect a debt if they have the required paperwork. This applies to all debts, whether they are 2 years or 20 years old. And if they cannot provide the paperwork, you can, if really persistant, reclaim the money. Now it is hard work but we have at least one poster on here who has succeeded.

So you may want to send MH a CCA request. They have 12working days +2 days befor ethey default and another 30 before you can pursue them. You might want to contact weller711 by PM and ask her for advice.





Quote:
Originally Posted by emma_lewis84
hi all
I've just found this thread...sadly I've found it a week after my BF has paid Mackensie Hall £1300 of out hard earned money for a debt he had in 2000, they wrote threatening letters and told him they could reposess the house and take us to court...so he panicked and paid it on creditcard, now I don't suppose there is anything we can do...gutted

It is difficult, emma, but not necessarily impossible. If your BF makes a cca request, to MH, and they are unable to provide a true copy of the original signed cca, then he can request them to refund any money that he has paid. However, he would need to be prepared to go 'all the way', including, if necessary, taking MH to court. There are some posters who have, successfully, had money repaid from debt collection agencies, but don't hold your breath.

RAS

Ray,

If you ever need the list, search for "pip's list". It is the one Pipk62 firmed up from my original list of suggestions a while back.

rayday2

I will do that and bookmark it now just in case I am trying to keep a list of bookmarks you know forearmed is forewarned or something like that!

fermi

The poster who got their money refunded like that was weller74 I think.

Although as far as I remember that was as a result of sheer cheek and determination in pursuing it rather than any fundamental legal basis for reclaiming what has been paid.

Lack of a proper agreement (like a "statute barred" debt) can prevent the creditor or DCA pursuing and enforcing the debt through the courts, but it doesn't stop it being owed. They are still entitled to ask nicely for payment, and if you do pay then that is up to you. Once you have made the payment, as far as I know it is not then recoverable even through the courts on the grounds that there is no agreement produced.

But as weller74 proved I think, if you don't try then they won't volunteer the money back.