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. #1
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    Default MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    Hi,

    Just wondering if I make a complaint about irresponsible lending will that halt any action being taken on a debt?

    Had 3 letters from Moriarty Law re Motormile for old payday loansicon with Northway Broker Ltd to my ex's mums house. This was in June!

    Have only just been told by ex's mum that she opened these letters and that she told them I dont live there anymore.

    The letter states 'In the event we do not hear from you within the next 14 days we have been instructed to issue proceedings without further reference to yourself.'

    Now as I say this was in June. They havent been in touch since but worried about them going to another previous address and trying to do a ccj there.

    There are three separate loans -286.47 218.75 and 318.96

    Not sure how to move forward with them any ideas would be great thank you.


  2. #2
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    Default Re: Does a complaint stop a DCA persuing a debt?

    They would have to issue a court claim to the last address you provided. So if you don't want a court claim to go to an old address, you need to provide your new address to them.

    If you submit a complaint, then yes they should respond to that, before they can chase the debt further or issue a court claim.

    How old are these loans ?


  3. #3
    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



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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    moved to the MMF forum


  4. #4
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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    Im not entirely sure tbh, round about 2012-2013 I think. I stopped paying them all years ago to leave the PDL cycle but seems a few are starting to catch up with me now

    Im trying to pull my head out of the sand and get them all dealt with before they all turn into CCJs. And hoping for a few refunds in the process.


  5. #5
    Basic Account Holder greyhotspot Novitiate



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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    Thank you both


  6. #6
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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    A complaint about the DCAicon's behaviour (on its own) won't stop them persuing.

    A complaint about the original lender's behaviour that might lead the alleged debt to be for an incorrect sum (such as irresponsible lending) should stop them : there is a real dispute as to if the sum (or any!) is owed.


  7. #7
    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



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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    yes have you put in an IR complaint to peachy was it?


  8. #8
    Site Team The Consumer Action Group Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch's Avatar



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    Default Re: Does a complaint stop a DCA persuing a debt?

    Quote Originally Posted by unclebulgaria67 View Post
    They would have to issue a court claim to the last address you provided. So if you don't want a court claim to go to an old address, you need to provide your new address to them.

    If you submit a complaint, then yes they should respond to that, before they can chase the debt further or issue a court claim.

    How old are these loans ?
    Mmmm not sure about that UB.

    Andy


  9. #9
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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    Sorry I never came back to this was without internet and quite ill with kidney issues

    Thanks for the advice given so far.

    Im trying to tackle all payday loanicon debts before I have another CCJ to deal with.

    This one wasnt peachy original lender was swift sterling.

    I have not heard from them again since they were told I dont live at the address ..
    .. Not sure what to do about them.


  10. #10
    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



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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    irresponsible lending complaint


  11. #11
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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    It was swift sterling ... does that make a difference DX? As they were based in Malta ...


  12. #12
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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?


  13. #13
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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    Thanks DX, will get on that this weekend.


  14. #14
    Basic Account Holder Houghtonguy Novitiate



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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    I had a couple of emails from MMF advising that they would be pursuing an outstanding Lending Stream debt and register a default asap. As I have started Irresponsible Lending complaints with Lending Stream and another 16 payday loanicon providers, I emailed them and they replied that they would suspend all action for 30 days. After 30 days, they require an update on the progress of the complaints for the debts they are chasing for.


  15. #15
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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    Quote Originally Posted by Houghtonguy View Post
    I had a couple of emails from MMF advising that they would be pursuing an outstanding Lending Stream debt and register a default asap. As I have started Irresponsible Lending complaints with Lending Stream and another 16 payday loanicon providers, I emailed them and they replied that they would suspend all action for 30 days. After 30 days, they require an update on the progress of the complaints for the debts they are chasing for.
    Thanks for the info. I havent heard from them since but thinking maybe I should get in touch with them. As worried about back door CCJ happening. Only problem is I dont actually have an address at the moment ...


  16. #16
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    Default Re: MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

    care of address?



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