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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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Default from Motor Mile Finance - please help!


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Afternoon all Desperately after some help if anyone can please..

 

. Myself and boyfriend are just about to apply for a mortgage.

 

He has had pretty poor credit in the past,

2 years ago I paid off a default which I found from Three and everything else looked fine..

 

.I have just checked his credit file and there is now a default from Motor Mile finance.

I have looked in to it and it seems to relate to a Mr Lender loan back in 2013

- on Noddle there was a 1 for 2 months in an orange circle and then a green UC -

I have wrongly assumed it was paid off as the account end date states 30/09/2013.

 

He is adamant that the loan was repaid.

I have now checked to see if I can find any correspondence and he has been receiving emails from them, but they have gone straight in to spam.

 

I have just put my flat on the market as we have been offered a house as part of an estate,

so stand to lose a lot of money if I pull out as it's shared ownership.

 

Does anyone know if there is anything at all I can do about this?

 

Our dream home looks like its rapidly disappearing :-(

 

Surely it can't be right that a default wasn't registered by Mr Lender?

And this is so long afterwards!

 

 

Edit - apologies for poor formatting making post hard to read,

I have tried to amend but it doesn't seem to be working!

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the original creditor would have defaulted the loan upon sale.

 

 

MMF would have simply had their name replaced by the account when they purchased the debt.

 

 

so it must have been there under the OC on previous searches?

 

 

as for the other debts..

there no good wasting money paying a defaulted debt

it will not improve your rating

nor remove the default.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dv100uk

There is no default against the Mr Lender loan

- Mr Lender is under closed accounts,

 

 

it states the account end date as September 2013.

There was absolutely nothing related to Motormile on his credit file until now

- I checked Noddle last month and there was nothing there, and there is now a default registered in April 2016.

 

 

Surely it's not right to register a default that late, if he even owes the money?

 

 

The Three default was paid as we were advised by a mortgage broker that the lender would want it settled before considering a mortgage.

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oh well you got had on the 3 debt if there was a default...

 

anyhow

 

right good on the Mr Lender one then.

 

copy the relevant CRA parts

 

write to MMF

enclose a copy of the Mr Lender entry

and theirs.

 

give them 14 days to remove the default

or you will be complaining to the ICO and will seek compensation too

 

they cant do that only the OC can default a debt

 

quite typical of MMF sadly

and as you've prob read already

they've been told off for doing this before

 

go get 'em!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 6 months later...

Sadly, back to square one!

 

I didn't get a response from MMF, so I went to the Ombudsman.

 

Long story short,

a copy of the default letter was sent over to the Ombudsman.

Despite pointing out that we had never received any written correspondence so it appeared odd that this had been sent by post and not email (i.e I don't believe it was sent!), the Ombudsman has accepted it.

 

MMF apparently changed their systems so cannot provide any copies of letters or emails sent prior to the default notice, so they have provided examples similar to what would have been sent (!!!)

 

Ombudsman has agreed that they should backdate the default to 2013 when the debt actually defaulted. Mr Lender apparently registered a default but then removed it once they realised they had not sent a default notice.

 

I've been told we have 2 choices, as a lender does not have to report to credit agencies, keep the default as 2016, or back date to 2013, so when we look at mortgages it looks as though it's been ignored for 4 years.

 

I guess the second option is the better of 2 evils...

 

I'm astounded at how slow the Ombudsman are!

And very disappointed that they agree with MMF despite the fact they cannot provide copies of correspondence and do not report to credit agencies.

Apologies - formatting appears off yet again!

Edited by lolavix
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No that's correct

 

And what should happened that's what the ICO should have done

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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