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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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home visit from MMF?


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I have recieved a text from a Karl Barton stating that he has been instructed to visit me and if I do not call and make an appointment then he will arrive unannounced

 

can they do this? or can I state that I do not agree to a home visit?

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No, I am assuming you mean Motrmile Finance? Send them the following:To whom it may concern:You have text my mobile phone recently regarding one of your agents visiting my home address, without prior agreement or an appointment.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 only 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.Yours faithfully,

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Watch em though I sent that letter 3 times to them and they still threatened to call I faught this and in the end they agreed to put the account on hold until I looked into this. I have offered a f&F settlement of 30p in the £ stating that I fwelt it was acceptable due to the OFT breakages and continua lharrasement via E Mail I willupdate you with the conclusion in a few days as I am on themove and wont even be here for the next few days (sorry for the keyboard but it is shot)

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having pretty much the same with these, so following with interest ,they threatened to make lists of my assets for possible seizure after i sent them the doorstep letter, so i sent a letter stating that as i have small children any strange person on my property without permission and especially peering through windows into rooms where the children could possibly be would be reported to the police without prior challenge. photographic evidence would also be taken

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well thanks to an incompitant intern at our buyers sols mucking up our moving dates and mixed us up with another house (must be a split couple as they wanted to retain half the money) LOL we are still here until friday. but MMF refused my F&F saying they are only allowed to knock 25% off (me thinks that her target is low) but I am adamant I am not paying thier inflated figures the little madam there e mailed me and told me if I wanted installments 46 per month and I am unemployed but that makes no odds these people seem to think that we can magic money from anywhere we wish . the ironic thing is she told me if I paid online then I would get a much reduced figure went to look and still over the odds. Went in the next day and it had doubled so they can whistle. when I am settled at the new house I shall pay my 30p in the £ and no more if I were you report them to the OFT for "pretending to be Bailiffs" I know I am

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WHere are you getting the 30p in the pound figure? Not sure why you would suggest that, it is recommended by most on this website to offer the original amount + 1 months interest.

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WHere are you getting the 30p in the pound figure? Not sure why you would suggest that, it is recommended by most on this website to offer the original amount + 1 months interest.

 

As i understand it was being offered as a full and final settlement as this is now a DCA who probably bought the outstanding for as little as 10p in the pound so if you can clear it for as little as possible why not ?

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basically cos MMF baught the debt 10p in the £ they have threatened me ignored me treated me like **** refused to set up an agreement other than what they wanted sorry for ranty but I refuse to fund these morons for the continued use of thier threats

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Hi toofiegap,

 

I had a DCA chasing me for money and I had a doorstep visit unannounced. The caller stated that he was a Bailiff but had no paperwork. I reported him to the police who arrested and charged him with Fraud and Deception. If this company are trying the same and do not hold the "Warrant of Execution" then I would get the police involved

 

Hello Grandam_jules,

 

here is the website link to MMF

 

http://www.mmile.com/company.html

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  • 3 weeks later...

yay finally back online after moving took their time lol. MMF are still at it despite sending 6 yes 6 letters and e mails revoking the doorstep rights one of thier numpties even left thier mobile number so he could go to my old address and to call him boy did I he got a real mouthful from me only for the MD to mail me stating that I am reporterd for being abusive and told me to seek legal representation (ooooooooooooooooooooooo im scared) this outfit on several occasions have been told I am not working and if indeed it was to go to court then thry would only get 1.00 per month but they seem to think that they are the law and can assess me seek me out and promise to do all sorts of dca ish things to me anyone here ever had MMF take them to court and win?????

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