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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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MMF/Moriarty Law letters re old wage day advance PDL


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Hi, just looking for some advice,

 

about 4/5 years ago I got in a circle of getting pay day loans to pay off other payday loans.

 

Long story short, I paid off most of these about 18 months ago (after they had being passed on to debt collectors)

 

I have since being able to buy a property with a mortgage (even know my credit still isn’t the best).

 

I was shocked today to get a letter to my new address from a company called Moriarty Law acting on behalf of Motormile Finance.

 

They state they even sent me a letter last month (which they definitely did not) this is the first one I have ever received.

I don’t even know when this loan was how much it was for, nothing.

 

I’m a bit confused because I owed that many company’s money a few years ago the only way to know who I exactly owed money to was from looking at my credit report and going from there, this wasn’t (and still isn’t) on there is it had completely come out the blue

 

. I’m just looking for some general advice before I phone them?

 

Someone has mentioned the three letter process, I’ve looked that up, would that work for this? Thank you for any help you can give me.

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Never phone these companies. This is just a threat-o-gram and they may never issue a court claim. I am not sure they are even a separate legal firm and may just be a trading name used by MMF.

 

If you want to send them a letter to obtain the information, send them a CCA request, which is linked to. If you don't send recorded delivery, get proof of posting and remember to enclose a postal order for £1 postal order as the statutory fee due for such requestd.

We could do with some help from you.

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No Moriarty Law are a separate traded firm. Merligen Investments also use them.

They are a trading name of HK Legal - HKH Kenwright & Cox

 

In short of it they do issue claims... Ive found them to be quite litigious in many cases but nothing short of BW Legal...

Just keep an eye out if a claim does come through.

 

If a claim form comes through the door - Come straight back here - We can help you defend.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I can’t actually remember, I googled a few things and that come up, I registered on this forum though as I couldn’t get many answers from google, this site seemed the best way to get help.

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Forget the stupid freeman of the land 3 letter process

Absolute twaddle.

 

Please don't ring or pay powerless DCA's

They are not bailiffs

H

And have no such legal powers

 

Who was the original loan with?? Peachy??

 

Dx

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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Moved to the MMF forum

Loads of like threads here

I've removed that letter you put up

 

Can you pop it back up as a PDF please

Click upload

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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Hidden as ref numbers showing

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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I wouldn't sweat over it

 

Have gku moved since taking this and other credit now debt out that remains unpaid?

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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and ofcourse they are not aware of your correct address

as you've not legally informed them??

 

you are in danger of a backdoor CCJ that you'll know nowt about.

 

CCA request time

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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nope

read my post again

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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The owners of a debt are allowed to use the last known official address for a debtor, to send the court claim to.

This might be the previous address to any address they have traced you to and sent letters.

 

At the moment MMF/Moriarty have had no official confirmation you live at the address they have written to you at, because you have not responded.

Therefore they could have reason to issue a court claim to your previous address and you might not then be able to defend it, because you never received it.

 

dx suggests you send a CCA request to MMF confirming the address you are now living at.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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well mores the point - the CCA request will kill two birds with one stone.

 

 

dx

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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