They are a dca debt buyer

Only the OC can default a debt

Might be time to send CG an sar

Let's find the truth

Wouldn't hurt to send mmf a CCA request

But that won't resolve the default.... Yet.

so I have a good chance of removal DX, its just going to take some time..... thank you as always for your advice

I don't know

But I don't agree with the ICO

Let's get all the info first

I can't see how a debt buyer can place an account on a credit file when the OC didn't and how they can register a default either when the OC didn't

Sorry DX I have confused you, when I said I had called them I meant motormile, its them that said they could register it being the legal owner

Baggies

Maybe i can be of some help. CG are in the process of shutting down , but i do remember that they may have already gone possibly. A SAR to CG may not work at this time as I think they have been fully dissolved now.

Stay off the phone to Motormouth... They will say anything to get you to pay as you are well aware although they have been clipped recently.

Speak to the ICO, and i am inclined to agree with DX that something doesnt sound right with them defaulting you.

They can only take over the debt reporting. They are not in a position to issue a default notice etc in their name as CG were the original creditor.

Thank you fkofilee, I will be patient and await a response from the ICO. I wont phone motormouth again, they said they wouldn't remove the default even if I paid in full. Thanks for the info on CG, saves wasting the £10 if I don't get anything back.

I will speak with the ICO at 9am and ask them what their stance on it is and update on here.

Hi Baggie,

Did you speak with the ICO? I'd be interested to hear what they said as I am in a similar situation as you and have submitted a complaint in writing which is currently being processed.

I did speak to the ICO. They said they cannot comment on "if a DCA was allowed to register a default", all they could say is that if the data was incorrect I had a right to it being reported accurately.

They said that a case worker will be in touch to obtain further details.

Hopefully if 10% of the people that have complained on various forums also complain to the ICO then this shower of..... will get what they deserve.

regards

Baggies

more tripe by email:

Dear Mr #######,

Thank you for your recent email.

We can confirm that the information confirmed within our response is correct and MMF hold the right to register the default as we are legal owners of the account.

The information provided in our previous email was our final response and if you still remain unhappy, you now have the right to raise this complaint with the Financial Ombudsman Service.

Alternatively, please feel free to contact our customer service department via [email protected] or call us on 0113 887 6876 to discuss repayment options.

Kind Regards

Pat Lee

Customer Relations Officer

Motormile Finance UK Ltd (MMF)

Freephone:

0800 996 1103

Email:

[email protected]

Web:

www.mmile.com

Arh good old Pat Lee... Still making Complaints seem pointless.

I am really inpatient with these Muppets now, can any one help me with a particulars of claim and ill start a money claim online.

Just had the FOS on the phone, they are gathering information. They have stated that MMF can issue a default notice if the OC didn't enter one however the date of default should be within 6 months of the account being overdue and not nearly 3 years later.

they have asked for my bank statements for Nov 2013 when the claimed payday loan was issued and my full credit file in PDF, it cannot be a screen shot, must be full credit file. I find this a little strange.

Did you get any further with the ICO?

Interesting thread as I'm in a nearly identical situation with these muppets,

except that Cash Genie DID default me (for interest which occurred purely because of their practice of breaking their own T&C's by rolling over loans without customer request or consent).

The default mysteriously vanished from my file about 7 months ago.

Meanwhile MMF have added another one... I'll be watching this with interest!

Meanwhile,

is it just me,

or is there something extremely odd about a DCA paying a liquidated company for high-cost debts???

Sounds as bent as a £3-note to me...

Hi Everyone,

whilst waiting for the ICO & FOS to get involved I lost patience and started a money claim online.

I started the claim for £300 and this cost me £25.

The ICO was just too busy to pick up and the FOS was asking random questions that IMO didn't seem relevant.

The FOS did say that they should change the date of the default to within 6 months of my last missed payment.

They would not agree that they couldn't issue a default, stating that if the owned the debt they had the right, I disagree.

I emailed the CEO of MMF and explained the background, I requested we come to a mutual agreement. I offered to pay what they believed I owed (£300), and also to cancel the ICO, FOS & money claim action.

They emailed back accepting the offer,

I paid the £300,

closed the complaints and 14 days later the default was removed.

They was actually very helpful once they knew I was serious.

Good luck everyone,

ps, when I closed the FOS case I asked him to quickly Google MMF default notice,

he did and although he said he had stay objective, he did say it was very interesting............

SO you fell for their tricks then baggies. Big time.

I don't think so renegadimp, ok so they default me in june 2016.

The FOS & ICO are both pretty much useless,

both claiming that they can issue a default notice.

The ICO after 45 days still stating that they are too busy..

. At no stage would they agree to remove the default.

The FOS was going to ask them to change the date by 12 months, not really much use.

Currently in the process of selling my house and a June 2016 default kills my mortgage outlook.

I decided to create as much noise and go for "its best all round " tactic,

cost me £300, £25 on moneyclaim.

Default removed,

credit score jumped from 470 to just over 800.

yes I believe they are wrong,

I would have like to have taken it all the way but at what cost,

not being able to move house.....

glad you got it resolved

£300 is p'haps a small price to pay to resolve this esp regarding mortgages etc.

and it might turn out that you could get this back

if things keep going south for MMF

re the recent find and refunds.

http://www.consumeractiongroup.co.uk/forum/showthread.php?471360-Motormile-write-off-£414m-debt-for-500-000-customers(3-Viewing)-nbsp