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

    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.


  2. #22
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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!


  3. #23
    Basic Account Holder lasek22uk Novitiate



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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


  4. #24
    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

    Well done!!

    Ruddy MMF placing fake defaults needs reporting to the ICOicon


  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

    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.


  6. #26
    Basic Account Holder lasek22uk Novitiate



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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


  7. #27
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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.


  8. #28
    Basic Account Holder lasek22uk Novitiate



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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?


  9. #29
    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

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


  10. #30
    Basic Account Holder lasek22uk Novitiate



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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?


  11. #31
    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


  12. #32
    Basic Account Holder lasek22uk Novitiate



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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


  13. #33
    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

    Well done!!
    An inspiration


  14. #34
    Basic Account Holder lasek22uk Novitiate



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

    Thanks folks

    Still no news on CFO Loan - CCA sent back in August (21st) , still no reply. Outstanding 405. This is now week 7th.


  15. #35
    Basic Account Holder lasek22uk Novitiate



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

    Hello all, 2 weeks later and still no news (11 weeks now in total since request was made for CCA).
    What should I do in this case now. Still no CCA on CFO Loan.

    Thank you!


  16. #36
    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

    well till they do they get nothing.
    is it defaulted?


  17. #37
    Basic Account Holder lasek22uk Novitiate



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

    Quote Originally Posted by dx100uk View Post
    well till they do they get nothing.
    is it defaulted?
    Hi dx100uk

    Yes it is defaulted


  18. #38
    Basic Account Holder lasek22uk Novitiate



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

    Hello Folks, 1 week later and 5 days later... still nothing.. so its now 12 weeks +


  19. #39
    Basic Account Holder lasek22uk Novitiate



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

    I complained yesterday to MMF and here is their response:

    Thank you for your email xxxx

    I have reviewed the matter and can see that you have previously asked for a copy of the consumer crediticon Agreement.

    I can see that we have previously acknowledged receipt of your request but cannot see that the information has been provided.

    Your letter that was received on 29 August 2017 and was not deal with through our complaints procedure.

    This was because this was a request for information and we identified no dissatisfaction within your letter.

    I will chase up your request today to find out why this has not been provided and will get back to you as soon as possible.

    Kind Regards


  20. #40
    Basic Account Holder lasek22uk Novitiate



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

    And still no reply from MMF



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