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.

£6.99



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 MMF and moriarity law re: PDL Finance Ltd t/a MR Lender debt

    Hello CAGicon Members,

    I hope you can help.. I just returned home while being away for few weeks and I received 3 letters from mml and moriaritylaw.
    It looks like to me mml and moriaritylaw work together and this is in relation to the same debt.

    So 1st letter is from mmf - dated 27/06/2017 demanding payment for their client 405.00

    Then 2nd letter - dated also 27/06/2017 demanding payment for their client PDL Finance Ltd t/a MR Lender 787.50

    Then 3rd letter - dated 13/07/2017 - Final demand before proceedings, demanding payment for their client PDL Finance Ltd t/a MR Lender 787.50

    Long time ago i toke a pay day loanicon with Mr Lender and I paid it off however i was late and I think by one month.
    I pulled out my recent credit file and Mr Lender is there and status of account is 'Closed'.

    I'm nit sure what to do next. There is no default on credit record, account status closed - settled.
    Please help

    I looked carefully through letters and it looks like those are for 2 debts..
    So 1st letter (debt) is from mmf - dated 27/06/2017 demanding payment for their client 405.00 owned to CFO Lending.

    Then 2nd letter - dated also 27/06/2017 demanding payment for their client PDL Finance Ltd t/a MR Lender 787.50

    Then 3rd letter - dated 13/07/2017 - Final demand before proceedings, demanding payment for their client PDL Finance Ltd t/a MR Lender 787.50

    Looking into my credit report I have only entry from Mr L and as closed / settled.
    Nothing on CFO Lending.

    I think I might have this loan but then stopped paying as I was rolling loans to cover other loans...
    help please...

    Apologies, here now in one multipage PDFicon.

    Attached Files

  2. #2
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    Default Re: MMF and moriarity law re: PDL Finance Ltd t/a MR Lender debt

    smack of irresponsible lending to me.


    dx


  3. #3
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF and moriarity law re: PDL Finance Ltd t/a MR Lender debt

    Thank you dx, so what would you suggest? next steps? thank you...


  4. #4
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  5. #5
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF and moriarity law re: PDL Finance Ltd t/a MR Lender debt

    Thank you dx, so their program ended in February and I never received letter or email from them. I was looking on CAGicon for redress package but I can't find it


  6. #6
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    Default Re: MMF and moriarity law re: PDL Finance Ltd t/a MR Lender debt

    really not sure why my autolink posted about vodaphone...




    CAG Guide To PDL Reclaims


  7. #7
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF and moriarity law re: PDL Finance Ltd t/a MR Lender debt

    Thank you dx, so will read it and I will start ball rolling


  8. #8
    Basic Account Holder lasek22uk Novitiate



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    Default MMF adding 328 to the alleged Mr Lender debt

    Hi,
    Can MMF add extra costs? They bought debt from Mr Lender, then sold it to Moriarity Law.
    The debt is for 450 but they are asking for almost 780?
    It look like DCAicon added extra 328 to the alleged debt... can they do this?


  9. #9
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    Default Re: Extra costs? DCA added extra 328 to the alleged debt

    Nope. They cant. Wont stop them trying though. Theyve already been reprimanded for it and had most of their powers stripped from them.

    But MMF are the shadiest DCAicon their is. They'll keep doing it.


  10. #10
    Basic Account Holder lasek22uk Novitiate



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    Default Re: Extra costs? DCA added extra 328 to the alleged debt

    Thank you for prompt response renegadeimp, is there polite letter I can shoot or shall I speak with FCA authority and complaint to them?


  11. #11
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    Default Re: Extra costs? DCA added extra 328 to the alleged debt

    Just tell them straight ( they wont listen anyway), and inform the FCA.


    I bet you when theyre caught out, theyll say it was an adminicon error. Thats their usual trick, and many debtors simply bend over and accept it.

    btw, MMF rarely chase legit debts. They normally chase PDL debts. Time to do your homework.


  12. #12
    Basic Account Holder lasek22uk Novitiate



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    Default Re: Extra costs? DCA added extra 328 to the alleged debt

    renegadeimp, thanks! will do now!


  13. #13
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    Default Re: Extra costs? DCA added extra 328 to the alleged debt

    The alternative is to ignore it.


    The more they add on unlawful charges the less chance there is they will take you to Court.
    And more important the greater the chance they will lose in Court as if the amount claimed is wrong the whole case is thrown out.

    I f you do want to complain then go the FCA route.
    Do not waste any time or money on MMF.


    You would be telling them something they already know and don't care about.


    Also the first thing they will know about it is when the FCA contact them.
    That gives them less time to cover their tracks or find excuses.


  14. #14
    Basic Account Holder lasek22uk Novitiate



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    Default Re: Extra costs? DCA added extra 328 to the alleged debt

    Thanks lookinforinfo. I'm slowly getting there. Now I have reponse from Mr Lender saying that loan was for 450, I paid back 157 so that in total 293, HOWEVER they added charges extra costs etc, so in fact DCAicon added not 328 but 485.

    Mr Lender own words:

    You borrowed 450.00 and have only repaid Mr Lender 157.50 back, due to non payment your account would have incurred missed interest and late fees on to the balance.

    The interest applied to your account was in line with the regulations at the time they were approved. Furthermore, all interest and charges were disclosed at the point of application and available on your consumer crediticon Agreement which you would have signed, agreed to and were emailed to you for your reference. All fees and charges were clearly detailed in your Consumer Credit Agreement. This would have included the circumstances of which you could incur any additional charges and at what cost.

    We hope the above give you a clearer view on your account. If you wish to raise any further concerns, we would be happy to assist you.

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  15. #15
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    moved to the MMF forum and re titled.


    are they aware of your correct address
    have you moved since taking this PDL out?


  16. #16
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    yes they are and I moved place some time ago. Did standard post redirect. have never had anything back from them


  17. #17
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Dont ignore it. Do your homework. MMF have a nasty of habit of going to court if they think they can get a judgment by default against a confused debtor.


  18. #18
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    send them a CCA Requesticon
    simply for the fact that they will then have your correct address
    and not get for a backdoor CCJ.
    same with any others


  19. #19
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Ok I won't ignore this, I already started conversation with them via emails.
    They are saying that they are working on my request.
    MMF replied back on 08/08/2017 as:

    Dear xyz

    Thank you for your email.

    I have requested a copy of a statement of account from our Customer Support team and this documentation should arrive with you in due course.

    ____ END ___

    I guess, once they provide some info and not in full it will me me sending CCA Requesticon and 1 payment

    thank you..

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  20. #20
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    CCA Requesticon
    stop emails



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