thank you for the response. we don't want to contest PDL and had included it in our figures. what we didn't realise was that there was a judgement registered by Moriarty have requested court docs from northants

Hi

as part of our research on outstanding debt to put together an income and expenditure form for StepChange, we requested a Noodle report and on it there was a CCJ which we have now discovered id Moriarty law for an Uncle Buck debt.

In the letter it states that an instalment plan had been offered to us which it hadn't and i assume that before a CCJ gets registered we should have received some communication from the court which we didn't.

Don't really know where to go from here as we are trying to pull together a plan but it's going to be blown out of the water if we are forced to make a lump sum repayment. any advice would help.

thank you ..

No

Hi

I have had an ongoing battle with Lantern (motormile) trying to chase for an alleged Lending Stream Debt.

I have provided them with a statement from Lending Stream showing a £0 balance outstanding which they have ignored and i am now receiving threat emails from Wilkin Chapman's "Lantern Team" saying they can't discuss by email due to data protection.

I have sent them the same statement i have sent to Lantern and i'm certainly not calling them.

Is there a templated response to an email?

This is what they sent me

"Good morning

Thank you for your e-mail, we can confirm that for Data Protection reasons we are unable to discuss details of the account by e-mail without verification that you are the account holder. Please contact us on 01472 253965 or please respond confirming your full name, the first line of your address, postcode and your date of birth for confirmation.

We apologise for any inconvenience caused and look forward to hearing from you within seven days.

Yours faithfully"

And here we go again this morning along with my response.

From: [email protected]

To: xxxxxxxxxx

Subject: Pre-Book Home Visit

Date: Wed, 5 Feb 2014 21:55:51 +0000

Please contact MMF office on 01138876876 to pre-book a Home Visit appointment, otherwise our doorstep agent may have to arrive unannounced. Ref :Mxxxxx

"I have today written to Rob Sands and the OFT regarding your continued harassment. I have no intention of arranging a home visit with you and the authorities have been notified in advance of any unauthorised attempt for you or any representative to trespass on my property.

all communications from yourselves have been logged and recorded and any further attempt to contact me in this manner will be treated as continued harassment and I will have no hesitation in taking further action against you".

I've just noticed that Rob sands came from McKenzie Hall. is it a coincidence then that a file that was being dealt with by them is now being dealt with by MMF? he hasn't taken a list of their files with him has he??

Yes. If you tell them not to call, they absolutely cannot come. They will be in breach of OFT guidance, the terms of their credit licence and potentially harassment laws.

 

Be warned, MMF have complete disregard for the law. Thats why you need to stay strong, stand your ground and tell THEM what is going to happen. Dont let them tell you.

thank you and I have written direct to Rob sands today.

Sent This response,

"If you decide to take this course of action then the police and OFT will be informed.

Please provide evidence that you have authority to pursue this alleged debt and evidence that it has been passed to you from MacKenzie Hall as this issue - in my opinion has been resolved - at the very least it is in dispute. This approach is evidence of harassment so please communicate with me by email only to resolve this matter.

I have no intention of making an appointment with you and any further threats of such a visit will be dealt with by the relevant authorities.

I have now issued a formal complaint to the OFT and to Rob Sands. This is Harassment and is not acceptable or legal. please deal with this issue in a legitimate fashion".

Received this one today. going to send the original response I sent above unless there is anything different I should be using??

Our Ref: Mxxxxxx

WageDayAdvance Payday Loan

Debt Value: £xxxxxxx

One of our Doorstep Agents will shortly be attending your property and this is a formal request for you to provide an agreed appointment time and date, failing which, our agent will have no option other than to arrive unannounced.

PLEASE DO NOT IGNORE THIS MATTER AS COSTS AND INTEREST WILL SHORLTY START TO BE ADDED TO THE ACCOUNT BALANCE AND WILL GREATLY INCREASE THE AMOUNT YOU WILL HAVE TO PAY.

Please contact us urgently on 01138 876 876 quoting reference Mxxxxxx.

Yours faithfully,

Doorstep Collections Dept.

MotorMile Finance UK Ltd.

Get that complaint going and block that number. If they use different numbers, get those numbers recorded and use it in a complaint. You can also take legal action for harassment as you have told them not to call, they ignored you, kept calling, and even used multiple numbers.

I've written the OFT complaint form and will send .... is it 100% that they cannot doorstep call - particularly after the emails expressly not wishing to make an appointment and offering email communication?

..... and yet another threatening text ... 3rd of today

Have checked credit reference files for this account? Try Noddle (Call Credit) the service if free).

 

 

If you do so you may find this debt listed as a 'Mail Order Account' or similar one of their quirks so look at the balance and compare to what they are claiming.

but am I not then going to be giving MORE personal information that the DCA will have access to by using the lists provided by these agencies? at least at the moment i'm not 100% sure they know which doorstep to go to by only communicating by email. I have had nothing at my home address from them in writing.

dx 100 has transferred the whole thread so don't worry.

 

 

We can certainly get this constant harassment stopped, it highly unlike to get passed back to WD if they have sold the debt.

 

 

Does MMF state that is acting on behalf of Wage Day at any point or have they said they now own the debt ( the approach needed will vary).

It doesn't state either way. this is the first email communication I received from them.

Dear Mr xxxxxxxxx,

Our Ref: Mxxxxxxx

WageDayAdvance Payday Loan

Debt Value: £1,062.00

We note that we have not heard from you in response to our earlier communications.

Your file is shortly scheduled to be transferred to one of our Home Visit Divisions.

We are happy to try to resolve this matter without conducting a Doorstep Visit and would ask you to contact us by telephone or email to discuss repayment terms.

Please note that if we do not hear from you, then you will be visited to assess your personal circumstances with a view to passing your account to our Legal Department.

We would, lastly, advise that if you are able to make a lump sum settlement offer, then we would be willing to allow a 25% discount on the outstanding balance and to waive the default costs and interest that have not yet been added to your account balance.

Please contact us urgently on 01138 876 876 quoting reference Mxxxxxxxx

Unless we hear from you within 5 days, then your account will be prepared for transfer to the Home Visit Division.

Yours faithfully,

Doorstep Collections Dept.

MotorMile Finance UK Ltd.

thank you could you also move the reply with quote from brigadier2jcs?

thank you for the offer !! brig

TBH since my divorce 10 years ago rebuilding of my credit file is not a priority

so i'm really not concerned if they notify credit agencies.

I haven't used any form of credit for 4 years or more and don't intend to get caught up with it again.

I just want to get to a stage where they pass the file back to Wage Day

and I can make reasonable monthly payments

MH jumped on the case just at the point that i was negotiating repayments with WageDay

and the waters got so muddy with various letters and admin being generated automatically

and contradicting each other that I COULDN'T pay back

because MH had it in dispute and WD had it registered as out with a DCA for once nobody wanted to take my money !!

just want these aggressive guys at MMF off my case

as the tone of their correspondence and threats of visits continually day after day

is a major stress when i'm trying to keep it from the kids.

apologies for the spelling mistakes wether should be whether and wed should be owed ... just written quickly .....

I have been receiving texts and emails threatening an unannounced doorstep visit from MMF regarding an alleged debt with a payday firm from 4 years ago which remains in dispute (the amount not wether it is wed or not) I still have communication open with the original firm and no evidence that it has been passed to MMF.

this is the latest couple of emails along with my response. is there anything else I could be doing?

If you decide to take this course of action then the police and OFT will be informed.

Please provide evidence that you have authority to pursue this alleged debt and evidence that it has been passed to you from MacKenzie Hall as this issue - in my opinion has been resolved - at the very least it is in dispute. This approach is evidence of harassment so please communicate with me by email only to resolve this matter.

I have no intention of making an appointment with you and any further threats of such a visit will be dealt with by the relevant authorities.

From: [email protected]

Subject: Pre-Book Home Visit

Date: Fri, 31 Jan 2014 01:34:36 +0000

Please contact MMF office on 01138876876 to pre-book a Home Visit appointment, otherwise our doorstep agent may have to arrive unannounced. Ref :xxxxxxxxx

Dear Sirs,

Thank you for your correspondence. Firstly, this alleged debt has already been dealt with by McKenzie Hall so I would need evidence from Wageday or McKenzie Hall regarding any outstanding balance at all.

Secondly, I am happy to take correspondence by email to resolve this issue but as you will be aware, you need to make a formal appointment to visit my home address and I am not happy to do so.

Please provide by email a statement of outstanding (if any) sums along with the original loan agreement and an assurance from either Wageday or McKenzie Hall that you have their authority to contact me.

Kind regards

From: [email protected]

Subject: TRANSFER TO HOME VISIT DEPARTMENT

Date: Thu, 30 Jan 2014 00:16:45 +0000

Dear Mr xxxxxxxx,

Our Ref: xxxxxxxx

WageDayAdvance Payday Loan

Debt Value: xxxx

Your file has now been passed to the Home Visit Department and a Doorstep Collection Agent will shortly be instructed to attend your property.

The default will be registered with all 3 credit reference agencies in our month end report.

If you wish to prevent this registration, contact us to accept one of the following offers:

- Payment of the debt over monthly instalments.

- A substantially discounted payment in full and final settlement of the debt.

Contact us NOW before it is TOO LATE: 01138 876 876.

If we do not hear from you the default will be registered at Experian, Equifax and CallCredit and this will make it difficult for you to obtain c redit now and for 6 years.

Yours faithfully,

Doorstep Collections Dept

MotorMile Finance UK Ltd.

You could use the email address for Payday to start with....

Keyes Whitlock & Company is a trading name of MEM Consumer Finance Ltd.

At the moment i have agreed to them taking the vehicle and have asked for a settilement figure which they have given me of 1400 the value of the car is about 3000 and i have asked them to clarify that the balance will be returned to me

My vehicle is due to be repossessed as a result of default on an LBL loan. my fault and lesson learned but i do need to know what happens after the repossession in order that i get the balance of monies back to me after the sale of the vehicle at auction. what paperwork should the guy from DG give me when he takes the car and how will i know what it was sold for and the "true outstanding balance" on my account?

My vehicle is due to be repossessed as a result of default on an LBL loan. my fault and lesson learned but i do need to know what happens after the repossession in order that i get the balance of monies back to me after the sale of the vehicle at auction. what paperwork should the guy from DG give me when he takes the car and how will i know what it was sold for and the "true outstanding balance" on my account?

Okay lets get this clear.

 

You state that you have received an order from your county court for the production of a statement of means, is this correct?

 

I presume that a court claim was issued prior?

 

Please provide more information.

 

AC

although the paperwork was from the court, it wasn't sent by them but by IND Ltd. The Court do have a record of it though as coming from Northampton Bulk

thank you all. i have spoken with the court and they have suggested that i request a set aside but also to cca IND Ltd. i eventually got through to IND Ltd by phone and they are saying that its in relation to something from HSBC in 2005 so i am sending CCA. and have registered my query with the court. do i need to do anything else do you think? once again thanks for all your help guys.

that's great thank you. from the court point of view will it be sufficient to say that the account is in dispute while i find out what the hell it's about?