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. #21
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    agree with dx. Get the CCA off and they cant ignore it. You think you are doign the right thing. MMF and every other DCAicon couldnt care less about you or the law. They will do anything to try and get money from you.

    Play things by the book and not what you think is the right thing to do.


  2. #22
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Thanks all, I will print those for all those accounts MMF 'kindly' provided me this morning claiming they responded a week ago.. anyway this is whole set of bugs..

    - Mr Lender, payday loanicon - MMF ref: xyz date of default: uknown
    original amount owe 450.00
    current outstanding 787.50

    Date Description Credit Debit Account Balance
    04/06/2013 InitialLoan 450.00 450.00
    04/06/2013 InitialFee -10.00 440.00
    04/06/2013 InitialFee -7.00 433.00
    04/06/2013 InitialFee -17.00 450.00
    04/06/2013 Interest -157.00 607.50
    24/06/2013 Payment -157.50 450.00
    24/06/2013 Interest -157.50 607.50
    25/07/2013 Fee -20.00 627.50
    26/07/2013 Fee -20.00 647.50
    31/07/2013 Fee -20.00 667.50
    27/08/2013 Interest -212.62 880.12
    17/03/2015 AdjustmentDebtADTEC -92.62 787.50


    - CFO Lending, payday loan - MMF ref: xyz
    date of default: uknown
    original amount owe 405.00
    current outstanding 405.00

    Date Description Credit Debit Account Balance
    02/07/2013 Principal 405.00 405.00
    02/07/2013 Interest 145.80 550.80
    22/04/2016 RedressWriteDown 40.00 510.80
    20/05/2017 AdjustmentDebtNoAAdjustme nt 105.80 405.00



    MMF as well provided those as well..


    - Quick Quid, payday loan - MMF ref: xyz
    date of default: uknown
    original amount owe 650.00
    current outstanding 987.00


    Date Description Credit Debit Account Balance
    31/10/2008 Principal 650.00 650.00
    31/10/2008 Interest 325.00 325.00


    - Northway - Pounds Till Payday, paydayloan - MMF ref: yxz
    date of default: uknown
    original amount owe 450.00
    current outstanding 212.82


    Date Description Credit Debit Account Balance
    01/05/2008 Principal 450.00 450.00
    01/05/2008 Interest 134.91 584.91
    01/05/2008 Fees 59.00 643.91
    07/05/2014 TotalPaymentmadetoorigina llender 431.09 212.82


    - Speed Loan - paydayloan - MMF ref: xyz
    date of default: uknown
    original amount owe 900.00
    current outstanding: 984.00

    Date Description Credit Debit Account Balance
    10/09/2009 Principal 900.00 900.00
    10/09/2009 Interest 684.00 1548.00
    13/08/2017 TotalpaymentsmadetoMMF 600.00 948.00

    Final word.. I feel so stupid and shame on me that I put myself in spin of PDL. But I was taking selfishly one to cover other one etc etc..

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  3. #23
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Morning all, letters out via recorded delivery.


  4. #24
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Hello all,
    As I as well complaint to Mr Lender after doing my homework an email has arrived today directly from Mr Lender with details as follows:

    - Mr Lender, payday loanicon- MMF ref: xyz date of default: uknown
    original amount owe 450.00
    current outstanding 787.50

    Date Description Credit Debit Account Balance
    04/06/2013 InitialLoan 450.00 450.00
    04/06/2013 InitialFee -10.00 440.00
    04/06/2013 InitialFee -7.00 433.00
    04/06/2013 InitialFee -17.00 450.00
    04/06/2013 Interest -157.00 607.50
    24/06/2013 Payment -157.50 450.00
    24/06/2013 Interest -157.50 607.50
    25/07/2013 Fee -20.00 627.50
    26/07/2013 Fee -20.00 647.50
    31/07/2013 Fee -20.00 667.50
    27/08/2013 Interest -212.62 880.12
    17/03/2015 AdjustmentDebtADTEC -92.62 787.50


    _________________________ ______________________
    Dear Mr yxz,

    Thank you for your email and sorry about the delay in responding to you, we have been waiting on MMF to advise the information on your account.

    They have confirmed the below;

    Outstanding balance: 787.50
    Payments: No
    Adjustments: 92.62

    If you are stating that the loan was unaffordable, as a gesture of goodwillicon Mr Lender are able to support you by requesting for MMF to reduce your balance to the capital remaining left to pay of 292.50. This will mean you wont pay any interest on your loan.

    Once the balance has been settled then we can also remove any adverse information from your credit file as a further gesture of goodwillicon.

    If you wish to accept this offer, in order for us to close your complaint and take the appropriate steps to discount your balance, please confirm to the following;

    You are satisfied with the resolution of this complaint and deem it fair and reasonable
    You accept that this is a Full and finalicon offer
    Following your acceptance of this offer you understand that this complaint has now been resolved and no further action is required

    ---------------------- END ----------------------------

    BTW - still waiting for CCA from MMF about account.


  5. #25
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    Follow Real_CAG on Twitter
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    how does that sound to you?


    as it stands your credit file now shows 292.50
    and is most probably stuffed full of other defaults anyway
    so this is not harming you more


    when/IF MMF provide the CCA and its enforceable
    pay it off?


    dx


  6. #26
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    Follow Real_CAG on Twitter
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    And there we go. The oldest trick in the book. Throw on bogus charges and interest and hope people blindly pay. Then when called out on It, remove it all and make it look like you're doing them.a.favour.

    Mmf were reprimanded for this before. Looks like Mr lender and mmf are in it together.

    Something smells fishy


  7. #27
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    @ dx, so you think there are more charges added to this account? I sent out CCA Requesticon last week to MMF and I wan't to see what is in there. Its huge balance reduction from 787 to 292.
    well yes I think I will enter into agreement with MMF if this is still enforceable as I know, loans need to pay off.
    Again, I feel so stupid and shame on me that I put myself in spin of PDL. But I was taking selfishly one to cover other loans.

    @ renegadeimp, I agree and starting up complaints has resolved some of my issues, but you think there is some doggy business going here?


  8. #28
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    Follow Real_CAG on Twitter
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Its PDL's and MMF. Guarantee theres dodgy business going on. Why do you think theyve removed all the bogus stuff the second you challenged them on it.


  9. #29
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    Follow Real_CAG on Twitter
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    And just like that.

    If you are stating that the loan was unaffordable, as a gesture of goodwillicon Mr Lender are able to support you by requesting for MMF to reduce your balance to the capital remaining left to pay of 292.50. This will mean you wont pay any interest on your loan.
    They are not obliged to do this, but shows that they are in the wrong with this one. If they had concrete evidence to go on then this would have gone further by now!


  10. #30
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Hello Folks,

    Some latest updates. Mr Lender contacted me already and I had already left this update some time ago.
    Here is what they said.

    "Mr Lender are able to support you by requesting for MMF to reduce your balance to the capital remaining left to pay of 292.50. This will mean you wont pay any interest on your loan.
    Once the balance has been settled then we can also remove any adverse information from your credit file as a further gesture of goodwillicon"

    However I was chasing still MMF on accounts for: CFO Lending and other PDL as:
    Quick Quid
    Pounds Till Payday
    Speed Loan


    This morning MMF kindly replied to me:
    Mr....
    I have provided a response to your queries, individually, below:

    Pounds Till Payday
    Please accept our apologies, the default date should have read 30/05/2008.

    Quick Quid
    We can confirm that this debt is now statute barredicon under Limitation Act 1980, and as such, the remaining balance of 987.00 has been written off.

    Speed Loan
    We can confirm that when purchasing the debt from Speed Loan, we were not aware whether a default had been accurately registered on your credit file. MMF have therefore not reported any information about this with the Credit Reference Agencies.

    We have received your letter dated 29 August 2017 and can confirm that your request is currently being processed by our Customer Support Department. You should receive further information in due course. If you need to contact us in the meantime, please feel free to email.
    Kind Regards
    MMF



    So lets see responses from MMF as I emailed them back:

    Thank you for prompt response with regards to my concerns about Quick Quid as well with Pounds Till Payday.

    I also understand the Pounds Till Payday is now statute barred under Limitation Act 1980, as the default date according to yuor records is 30/08/2008 and as such, any of the remaining balance will be written off.
    Please confirm.

    I will look forward on more details about Speed Loan.


    Kind regards,
    xxxx


  11. #31
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    Follow Real_CAG on Twitter
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Well done!!

    Ruddy MMF placing fake defaults needs reporting to the ICOicon


  12. #32
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    Follow Real_CAG on Twitter
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    MMF got done for this a while ago, and had their wings severely clipped. As DX said, get it to the ICOicon and FCA, so it can be added to other complaints and shown they are totally ignoring things.


  13. #33
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Hello all,

    Previously I was given update as following by MMF people:

    I have provided a response to your queries, individually, below:
    Pounds Till Payday
    Please accept our apologies, the default date should have read 30/05/2008.

    Quick Quid
    We can confirm that this debt is now statute barredicon under Limitation Act 1980, and as such, the remaining balance of 987.00 has been written off.

    Speed Loan
    We can confirm that when purchasing the debt from Speed Loan, we were not aware whether a default had been accurately registered on your credit file. MMF have therefore not reported any information about this with the Credit Reference Agencies.


    This morning MMF kindly replied to me:
    Mr....

    Thank you for your email Mr xxxxx

    We can confirm that your loan with Pounds Till Payday is also statute barredicon under the Limitation Act 1980. The remaining balance of 212.82 has also now been written off.
    In relation to Speed Loan, please can you expand on what details you are looking for so that I can send this over to you?


    Kind Regards

    _________________________ __________

    So another PDL debt written off, however they were asking for payments. So I now need to ask them politely about SpeedLoan and my DCAicon request I have sent them.
    Not sure why they asking such a question in relation to SpeeLoan..

    Cheers,
    l


  14. #34
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    Follow Real_CAG on Twitter
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Keep that letter/email. Theyre known to sell it off, even though its SB.


  15. #35
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Hello all,
    More from MMF on SpeedLoan...

    We can confirm that the loan with Speed Loan was taken out on 10 September 2009 and was due to be paid by 10 March 2011.
    Unfortunately we are unable to confirm if Speed Loan ever defaulted your account with the Credit Reference Agencies.
    If you need any further information, please feel free to email.

    ___________________
    So they are chasing debt that is not defaulted?


  16. #36
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    Follow Real_CAG on Twitter
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    means nothing to SB date...why do they think that's important?


  17. #37
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Not so sure... do you think it can be said SpeedLoan is also SB?


  18. #38
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    dunno when did you last pay it?


    dx


  19. #39
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Hello all,
    More from MMF on SpeedLoan...

    Sorry for the delay in getting back to you.
    We can confirm that this account is also statute barredicon and the balance of 948.00 has also been written off.
    If you have any further queries, please feel free to email.
    Kind Regards
    MMF

    So only 2 accounts left at the moment.
    Mr Lender who 'kindly' reduced balance to 293
    and CFO Loan, where I have not heard back since I sent request for CCA already.

    Mr Lender - outstanding 293
    CFO Loan - CCA sent, still no reply. Outstanding 405

    Written off:
    Quick Quid
    Northway - Pounds Till Payday
    Speed Loan


  20. #40
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    Default Re: MMF adding 328 to the alleged Mr Lender debt

    Well done!!
    An inspiration



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