Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

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Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Hi,
    It's been a while, haven’t been well for some time due to issues that occurred in a previous (recent) thread of mine,
    but after a year I’m starting to come to terms with what happened although I have been left in a financial rut.
    (I am not entitled to compensation so I thought about selling my story but don’t know how to go about it)

    Recently Wonga, and two MMF entries have now disappeared from my report

    I decided to check my Exp report and see how I really do stand financially since the "Great Advantage Finance Escapade" and forking out 3,500 for legal fees last year.

    My Current Credit Score 620 – This was below 400 last year
    The total balance of the defaulted accounts is 5,742. – This was nearly 9k last year
    This is made up of 2 x Mobile Phone companies – Will drop off in less than 6mths,
    1 x Catalogue – Going through a PPIicon claim (it’s a hell of a lot more than the default ) and the following that I have concerns / require advice on:

    1) Instant Cash Loans Ltd T/A Payday UK:
    Account Started: 25/10/2010; Default Balance: 425; Current Balance: 0
    Default Date: 01/04/2011; Last Updated: 08/09/2013
    Debt Assigned to CAIS Member: Start date 01/02/2013

    2) Lending Stream:
    Account Started: 28/01/2011; Default Balance: 788; Current Balance: 0
    Default Date: 21/11/2011; Last Updated: 15/06/2014;
    Default Satisfaction Date: 13/02/2014

    3) PRA Group: **This Debt relates to the above Lending Stream Entry**
    Account Started: 28/01/2011; Default Balance: 808; Current Balance: 808;
    Default Date: 05/01/2012; Last Updated: 02/11/2014

    4) CashChoice:
    Account Started: 29/09/2010; Default Balance: 880;
    Current Balance: 1,480; Default Date: 26/02/2011;
    Last Updated: 25/09/2011

    5) CFO Lending Ltd:
    Account Started: 01/03/2011; Default Balance: 940; Current Balance: 930
    Default Date: 11/07/2011; Last Updated: 22/03/2015

    item (1): I have no idea who these are or who the Assigned CAIS Member is (what is one?)
    I suppose I don’t realy have to worry about this one as the balance say’s 0 and the last update is 08/09/2013.
    I would love to know more details about this but I’m worried that it might open a can of worms if I do.

    Item (2) & (3): I have my SARicon from PRA Group
    – it relates to Lending Stream and MEM.


    I’m not fussed about the MEM bit as it’s not on the report & they do not have any grounds to chase as no default issued or notice of assignment. (only the Agreement & a crappy excel statement)

    As for the Lending Stream bit the agreement states the value of the loan was 315.
    Of which further into the SAR it states 95.50 has already been paid (94.50 was taken from my account the other 1 for the agreement) & the Default Balance is 808.00, yet the Credit Report says 788.

    The Default notice stated 347.00 is now due, this is the loan amount + 32 of charges. Surely the default value would have been the loan repayment amount of 409.50?

    The letter regarding notice of assignment from Lending Stream to PRA Group show’s the contact details on the right hand side as, this is normally Lending Streams – is this a dodgy put together job?.

    Surely the Lending Stream entry should no longer be on my report as PRA Group are reporting?
    There has been no Credit search by Lending stream to see if I was acceptable for a loan.

    Attached is the SAR from PRA Group – notice the Call Times despite me stating no Telephone contact – early in the morning very late at night. By their own admission they’ve proven harassment.

    Item (4) & (5):

    I did originally have a thread here: http://www.consumeractiongroup.co.uk...amp-CashChoice
    That related to Cash Choice & CFO but got moved all into the CFO section.

    I have’nt heard from any of these since the posts in the thread above.
    The SAR’s for both are attached, though CFO’s is less than helpful.

    Cash Choice – Loan Value 400 yet they are claiming I owe 1,480 nearly 4 times of original Value
    CFO – Loan Value 375 yet they are claiming I owe 930 nearly 3 times of original Value

    I cannot see the CFO entry being paid in on my statement for the dates of the agreement (only previous settle loans entries appear).

    With CashChoice I did speak to a DMC and had been paying them to deal with my debtors.. but I cut all ties with them when balances did not seem to reduce greatly.

    In May 2013 I received an email stating reduce settlement offer: Balance: 3985.59
    REDUCED SETTLEMENT OFFER - 996!!!

    I did try to resolve the original balance with them (noted in the SAR) and asked to contact a number of times but no one ever came back to me. Also no letters were ever received from Cash Choice.

    Is CFO going the same way as Wonga over their handling of accounts?
    Both companies have not conducted any form of Credit Search to see if I was acceptable for a loan of any kind
    – trust me I would not have been.

    The SAR's

    Attached Files

  2. #2
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Cash choice... They rang your place of work!?!?!!?! Form the SARicon it looks like it.
    I think you could probably have them on that as they have proven it through their Notes! Im currently reading the rest.


  3. #3
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    As for the other part from PRA and lending stream, you do know that you DPA is required, regardless.
    As for CFO Lending... Well, I dunno about them right now, Supposedly they have either preparing to go into administration or they are being probed by the FCA.


  4. #4
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Quote Originally Posted by fkofilee View Post
    As for the other part from PRA and lending stream, you do know that you DPA is required, regardless.
    As for CFO Lending... Well, I dunno about them right now, Supposedly they have either preparing to go into administration or they are being probed by the FCA.
    DPA is required?

    That is everything that came across from PRA.
    I know I can tell them to go and jump as the values are over inflated, but lending stream took 94.5 out of account (few years ago now) but there was no loan actually paid in as far as I can see.


  5. #5
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    Default

    I've looked through the SARicon's again and notice that only the PRA/LendingStream one contains a default notice, as for the others there is no mention of any.

    CFO only sent through a contract not an agreement.

    Due to the age of my requestscore CFO & Cashchoice should I resubmit a full SAR request or send a follow-up letter, stating they haven't included a Default notice OR is that providing the a chance to make one up as it's not noted.

    As they all relate to online applications, surly they must supply the IP addresses of which the agreements were signed on?


  6. #6
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Not nesecarily... IP addresses are unreliable when it comes to logging stuff.

    Think about it, you apply at work. A corporate network could have a thousand users. Each of those would have that WAN IP address.
    If they have not supplied you EVERYTHING, you will need to tell them in writing, or you then send them a lbaicon and take it to the courts as they havent fully complied.


  7. #7
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Update -
    as of today CFO has disappeared from ALL 3 of my credit reports No emails, no letters as to why - it's just gone.

    all I have left of the PDL's is Cash Choice & PRA (Lending Stream).

    They both have 4 more working days to respond to my last letter then it's off to the fosicon as it will be 8wks.
    Lets see them explain why the debt is so high and where the proof the payments were made.

    People out there DONT GIVE UP - DONT GET BULLIED - STAND YOUR GROUND & SEEK HELP FROM CAGicon!!!


  8. #8
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Thanks for keeping us updated ads. It's much appreciated and shows that problems can.be solved


  9. #9
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Hi all.
    Sorry for bringing the post back alive - but unfortunately both CFO & PRA are back at it with their letters & phone callsicon.

    CFO rang a couple of weeks ago
    "We've tried to get in touch but you've failed to comply"
    told them I have not received any letters from themselves
    - to which they reply we only sent via email, we dont send letters

    --- after telling them I no longer have the email that they have on file & refusing to pass on my new one I was referred to a "Manager".

    He told me that I now owed 511.25 and that he will confirm in writing..
    . letter came 23/12/16 - no date on the letter.

    it just states "Thank you for contacting CFO Lending.
    Your current outstanding balance is 511.25.
    We would like to discuss setting up an affordable repayment arrangement with you."
    Of course I havent replied to it - but have received 3 calls this week but left them unanswered.

    PRA sent through dated 20/01/17 two letters one a statement of account for the period of 20/01/2016 to 19/01/2017 (Balance still 808.50)
    The second letter attached (sorry - broken scanner) states on it "Information only and is not a demand for payment".

    In an earlier post I included the SARicon for PRA (they was originally perusing the debt of two) you can see all the alleged documents that Lending Stream had supposed to have sent me. The debt was a payday loanicon for 315 over 6mths total repay 6
    Default Date 21/11/2011 (Still on credit report but as 0 & Settled) yet PRA are stating on credit report 05/01/2012 for 808

    I would love just to send them something based on the SAR to get them to remove the entry off my credit report as the remaining accounts wont disappear til July / Jan 18 & Feb 18 (500 default due to the Shop Direct Saga - see other threads)

    PDFicon Views: 0 Size: 2.42 MB">PRA_LendingStream_&_MEM.PDFicon

    Attached Images

  10. #10
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    Default

    Default notice applied to credit report from CFO!!!
    It's dated 30/01/17..
    It has the loan amount quoted as 375 and the default balance as 521.25

    Now I was already issued a default notice by CFO and this appeared on previous Credit reports, with the default date of 11/07/2011 for a balance of 940

    They did originally remove the default from the file, as stated previously in this thread.

    Can a company do this? Issue two default notices on the same account 5yrs and 6mths apart??

    It seems a bit of a joke that it would of been statute barredicon on 11/07/2011 but now will be on my file until 2023 for a disputed accounticon from 2010/2011


  11. #11
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Welcome back to CAGicon.

    Well this might be one for the ICOicon who makes rules about data and how its recorded etc.
    While there are no rules in concrete about default dates, I think that in reality you shouldnt be punished for this.
    Have you complained to CFO about the late default date? If not... DO IT. Then pass onto fosicon if they reject & ICO.


  12. #12
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    God knows what's going on - CFO removed from credit report as of today - again...

    On my Experian report (Noddle & Clear Score have shown a MyJar for 600 - but the default date is 14/06/2011), Catalogue entry has been reduced by the value of the PPIicon claim, unfortunately I was incorrect on my calculations and a balance still remains

    1) Instant Cash Loans Ltd T/A Payday UK:
    Account Started: 25/10/2010; Default Balance: 425; Current Balance: 0
    Default Date: 01/04/2011; Last Updated: 08/09/2013
    Debt Assigned to CAIS Member: Start date 01/02/2013

    2) Lowell (Catalogue JD Williams)
    Account Started: 22/03/2010, Default Balance: 1098; Current Balance: 987 *Figures amended based on PPI redress.
    Default Date: 03/09/2013; Last Updated: 19/02/2017

    3) Lending Stream:
    Account Started: 28/01/2011; Default Balance: 788; Current Balance: 0
    Default Date: 21/11/2011; Last Updated: 15/06/2014;
    Default Satisfaction Date: 13/02/2014

    4) PRA Group: **This Debt relates to the above Lending Stream Entry**
    Account Started: 28/01/2011; Default Balance: 808; Current Balance: 808;
    Default Date: 05/01/2012; Last Updated: 02/11/2014

    I am paying Lowell 5.00pcm, and have thought about making an offer of F&F settlement based on the length of time left x 5pcm + 100, and request they remove the entry
    - Do you know if this in a viable option?

    I will not be paying out anymore than 5pcm, as this is the original figure the accepted.

    As for Lending Stream & PRA Group, I'm a little annoyed / disappointed as I lodged a complaint with Experian stating that the details were incorrect:

    1) Duplicate Entry - both Lending Stream & PRA Group reporting on the same debt, yet Notice of assignment from LS to PRA is dated 20/02/2014 but assigned 30/12/2013.

    2) Incorrect Balances quoted - Loan amount 350, total payable as per CCA 693. LS stated 788, PRA state 808.50, this includes: LS Arrears Letter Fee 12, Default Letter Fee 10 & a debt collectionicon fee of 40 (PRA state they do not / have not charged a fee - see attached)

    3) Incorrect Default Dates - LS Default Notice is dated 02/05/2011, LS entry on CRAicon is 21/11/2011, PRA entry on CRAicon 05/01/2012

    I've emailed (and had a read receipt) PRA back regarding this but no reply, just their letters stating I still owe 808.50

    Am I correct in saying based upon the credit agreement and the PDL rules that came into effect the balance should be no more than 630 (double the original amount) and that the info I outlined above is correct..

    Sorry for the long post - thought I'd update you - it's kind of a one last push to get the CRA's clear.

    Attached Files

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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Letter received today from MMF whom have stated CFO have gone into administration and my account with CFO has been sold to MMF..

    There is no documentation from the administers confirming the sale..

    Am I right in saying not to take MMFs word without proof from administers.
    (A letter on CFO paper NOT signed by anyone states the sale to MMF - and it says yours Sincerely Paul Boyle on behalf of the Joint Adminstators)


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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    I question your decision in paying lowell anything on a debt like that.

    Also, MMF have had their wings severly clipped now to the point theyre almost toothless. They rarely issue any claims, and prefer to just threaten people.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Sorry in advance this one is going to be a little bit of a long one - This is in reference to Lending Stream & PRA Group as identified in post #12:
    In April I got a little fed up with none responses so, I raised a complaint with the FOS in regards to Lending Stream (LS) & PRA Group over the amounts (seeking redress) & that the letter from PRA group stating purchase of the debt looked like they created it themselves.

    Both LS & PRA acknowledge that the complaint was being investigated a few days later.

    On 24/04/2017 I received the following email from LS:
    Dear Mr. X,

    This is in reference to the letter received from the Financial Ombudsmanicon Service on your behalf (Ref Numbers quoted here).

    We reviewed your accounts and would like to share our findings. You borrowed three loans (agreement numbers: 1, 2 and 3) from Lending Stream, out of which loan accounts 1 and 2 were closed successfully and loan account 3 sold to Mackenzie Hall (can be contacted on 01563 556533) due to non-payments.

    We understand that you are concerned about the default being reported on your credit file.

    Please note that we sent an amendmenticon request for the loan account 3 to remove the default and late payments from your credit report. This may take 30-45 days to reflect changes on your credit file.

    However, if you have any other concern regarding the other loan accounts, please provide us with the copy of the credit file. So that we can investigate and assist you accordingly.

    We have attached the copy of original agreements for each loan along with this email (password would be your Date of Birth in DDMMYYYY format).

    Regards,
    Lending Stream Complaints Department
    The agreements were exactly what I had already in my possession and still verified the fact that they were having 100% more than the amount borrowed.
    As for the McKenzie Hall comment that raised the alarm bells, the letter I had within my SARicon from the PRA group (letter dated 20/02/2014) stated that PRA group were assigned the debt 30/12/2013! (see attached). Why would they say McKenzie Hall when they were purchased by PRA Group?

    I wrote back to LS (including PRA Group) the same day:
    Thank you for your response, however I would like some clarification.
    The agreements you had provided are as follows:

    Loan 1: 265.00 repayment of 583.50. Commencing on 26/11/2010, ending on 26/04/2011
    Date of Signature: 03/11/2010

    Loan 2: 95.00 repayment of 180.50. Commencing on 26/11/2010, ending on 25/02/2011
    Date of Signature: 05/11/2010

    Loan 3: 315.00 repayment of 693.00. Commencing on 28/01/2011, ending on 29/07/2011
    Date of Signature: 28/01/2011

    What checks were made for the adequately assessing affordability of the loans?

    You can see two loans were provided by yourselves within 2 days of each other at different terms concluding around the same time frame.
    The 3rd taken immediately before the previous loan had ended or on the actual day final payment was made
    – this can only mean that my credit worthiness was not bought into question OR that the 3 loans were “rolled over”.
    Which meant I was living outside of my own means.

    You are also aware that FCA states
    “The total cost cap will be 100% of the total amount borrowed, applying to all interest, fees and charges”, this means that Loan 1 is over by 80, Loan 2 is under by 9.50 and Loan 3 is over by 63.00.

    Your email then states “sold to Mackenzie Hall (can be contacted on 01563 556533) due to non-payments.”

    The Statement of Fixed Sum Agreements as on 27-02-2015 provided by yourselves to the PRA Group shows a payment was made 95.50.

    After this payment was made I contacted your company via email due to financial problems, of which you failed to respond.

    You then employed the services of Credit Resource Solutions Ltd & in June 2013 I made them aware of the financial problems, requested copies of the agreement (10/06/2013) and again 29/06/2013 to which they stated they were referring the case back to yourselves. No further communication was every received directly to myself from Lending Stream.

    You have also stated that the debt was sold to Mackenzie Hall,
    “MACKENZIE HALL LIMITED (consumer crediticon Licence Number 544407),
    however I have been chased & also have a default notice registered against me by a company called PRA Group Ltd, they even included a letter on LENDINGSTREAM official letterhead stating that they are the legal owners of the account.
    (never originally received from Lending Stream – provided as per SAR request to PRA Group).

    This only shows me that PRA Group have fraudulently changed / copied an official lending stream document for their own financial gain.
    You can see this in the attached pdf labelled LS & PRA Letter, you can clearly see that this is Lending Stream documentation BUT for some reason PRA’s email is quoted instead of lending stream.

    I have included the FOS within this email

    Today I have received a letter from FOS stating LS have given their final response, so I check my email and see the following:
    This is in reference to the FOS complaint received on your behalf (FOS Ref. No XXXX, Our Ref. No: XXXXX). We apologize for the delayed response.
    We would like to address the queries raised by you in your last email.

    The agreements that have been sent to you are generated from our system database.
    Our loan application procedure has been set up online on our website.


    When our customers fill in the loan application form, we specifically ask them to check the box confirming that the information specified by them is true and to the best of their knowledge.


    You accepted by signing the agreement electronically confirming that the information specified by you was true and appropriate. We considered the information provided in the application and relied on that. Our customers do not require e-signature pads in order to sign their application electronically.

    We understand that as per the FCA guidelines, we are authorized to charge only 100% of the borrowed amount from our customers. However, no such clause was present in the laws governed by FCA during the period when we approved these loans to you.

    We would like to inform you that Mackenzie Hall Ltd. is the former name of PRA group. You have received the information about PRA group in the letterhead of Lending Stream at the time when we notified about the rights, title and interest of your account being sold to PRA Group.


    Please note that CRS (Credit Resource Solutions) is not a third party. It has been acting on behalf of Lending Stream to assist the customers who are facing financial difficulties.

    We would be unable to comment on the correspondences that you have received from PRA group or CRS late in 2013.


    However, we would like to inform you that these loans were approved in a procedural error. Therefore, we offer to refund the interest and charges paid by you towards the first two loans 1 and 2 amounting 405.20. We would add 8% statutory interest in the refundable amount.

    The last loan XXXX has been sold to PRA Group on 13th Feb'2014. Therefore, we would request you to get in touch with them regarding your complaint. They would deal with your query as per their Complaints Handling Procedure. Further, we have not received even the entire principal balance towards this loan while it was under our ownership. We would also remove any adverse information that has been reported on your credit file in reference to the three loans.

    We consider this as our final response to this matter.

    You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this email. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.
    So jobs a good un, they acknowledge they ballsed “loans were approved in a procedural error” and I’ll be getting a refund – I will write back accepting the refund VIA Cheque to myself.

    As for the 3rd loan, I’ll forward the above email from LS to the FOS so they can now investigate the complaint with the PRA Group.

    I am unsure what to say to them relating to this can you please advise if the following is acceptable:
    To FOS
    Based upon the attached email from Lending Stream, I will be writing back to themselves to accept their offer of 405.20 + 8% interest as settlement for the two loans.

    However only part of the complaint has been acted upon & settled by Lending Stream, leaving the 3rd loan issued by Lending Stream unresolved as this which was purchased by PRA Group.
    As I originally complained to PRA group, they failed to acknowledge my complaint, hence your involvement.
    Therefore I request your further involvement on dealing with PRA Group as I do not feel confident/comfortable liaising with them based upon previous experience.
    The email from Lending Stream they have acknowledged all the “loans were approved in a procedural error” but as the 3rd loan over inflated debt was sold to PRA Group, Lending Stream are unable to be involved any further.

    Paperwork originally supplied within the initial complaint, show the following information:
    Date: 25/02/2011
    Original Loan Amount: 315.00
    Total Amount Payable: 693.00
    Paid to Lending Stream: 95.50 (As 27/03/2011)
    Default Notice Date: 02/05/2011

    Total Amount assigned to PRA: 808.50 (30/12/2013) – Contains charges + Interest applied by Lending Stream Prior to assignment.
    Default Date quoted by PRA on Credit Reports: 05/01/2012 8 mths after Original Default Notice Date.

    As stated in my original complaint, despite contacting PRA Group pointing out their error with the Default date on the credit reports to this date it still appears, whereas the Notice of Default was confirmed in the paperwork as 02/05/2011 by rights should now be removed as it has passed the 6 year time frame.

    In addition to this I pointed out the inaccuracies in relation to the values they were claiming against me & the fact that I was wrongly sold the loan by Lending Stream. Again, like the default this has been ignored. I again raised this with the help of one of the credit reporting agencies (Experian) but again PRA Group dismissedicon this, despite all evidence being provided.

    Dealing with, or trying to deal with PRA Group has been extremely stressful as being ignored shows their lack of Customer Care, and the fact that Credit Reporting Agencies rely on the information supplied by the Reporter, if complaint is made against an entry, the Reporter can dismiss this and the entry still remains, which has been the case with PRA Group on all three of my report.

    As per my complaint, I would like PRA Group to do the following:
    Acknowledge their mistakes, just as Lending Stream have done.
    Remove all entries from all credit reports ASAP as the 6yr time frame has passed.
    Write off the value as a gesture of goodwill based upon:

    i) Lending Stream approved the loans “in a procedural error” pushing me further into debt;
    ii) Incorrect reporting since purchasing the debt;
    iii) Greatly over inflation of the initial loan amount to the claimed debt;
    iv) Failure to acknowledge, investigate & act upon my complaint raised via their own portal
    v) Failure to act upon my complaint via Experian despite evidence being provided.

    As PRA Group have their own in-house complaints procedure as well as per their credit license agreement, it is clear that my complaint was not acted upon in accordance with their own complaints procedure and that of the rules outline by the FOS, leaving myself as consumer having no alternative to contact yourselves at the FOS.


    Attached Files

  16. #16
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Maybe im missing this but let me get the general jist

    - Loans 1 & 2 written off...
    - Loan 3 was incorrect and they have sold it on...
    - They have told you that they have sold it on they are washing their hands of it?

    My view is that if they shouldn't have lent the loan to you then Lending Stream CANNOT revoke their responsibility and pass it on to PRA / DCAicon a nd say its them that has to deal with it...
    Even though its been sold they can still call the debt back and write it off...

    Honestly this is shocking...


  17. #17
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Loan 1 & 2 was repaid.
    Loan 3, went into default and then sold to McKenzie Hall / PRA Group.

    I can only forward the response to the fosicon & I can outline their response regarding washing their hands of the third loan, though that gets PRA Group out the brown sticky stuff with failure to act upon the initial complaints.


  18. #18
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Quote Originally Posted by ads_uk View Post
    Letter received today from MMF whom have stated CFO have gone into administration and my account with CFO has been sold to MMF..

    There is no documentation from the administers confirming the sale..

    Am I right in saying not to take MMFs word without proof from administers.
    (A letter on CFO paper NOT signed by anyone states the sale to MMF - and it says yours Sincerely Paul Boyle on behalf of the Joint Adminstators)
    Well. I've just had my Noddle report update and MMF have reported this debt as a default!!!!

    Account start date 2011 --- Default date 30/01/2017
    The account when it was in the hands of CFO had a default of 11/07/2011.

    surely this is not right?
    Does any one have the correct contact details for these muppets.. I've delt with them before in the past and had to get fosicon to intervene but they couldnt do anything for 2mths from MMF's last reply.


  19. #19
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    complain
    send them a copy of the old default
    give them 14 days to remove their
    else you'll raise a complaint with te ICOicon and seek compo

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  20. #20
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    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Quote Originally Posted by dx100uk View Post
    complain
    send them a copy of the old default
    give them 14 days to remove their
    else you'll raise a complaint with te ICOicon and seek compo
    That's the problem I have - although CFO recorded the Default on my file for sometime - there has never been a copy of the Default Notice actually received, it didn't even appear in a SARicon which the ICO was involved with a couple of years ago.

    The only thing I have from CFO relating to default was a letter dated 16/09/2013 Notice of intention to file a default - Despite copies of my credit report showing 11/07/2011



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