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nortellini

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  1. Hi I have been getting harassed nonstop by MMF - regarding a debt which I settled via MacKenzie Hall for a Wageday Advance debt. The debt was paid off 2 years ago - incurred due to moving house and new bank card / account etc - and eventually the debt for a payday loan was cleared with MacKenzie Hall. I have a screenshot and emails to substantiate this. MMF are now chasing me for additional charges on top of this it seems...........of over £120! I have asked them to substantiate the debt and all they have done is provide some numbers - which does refer to the sum that I paid, but these are just typed into the letter, and that there are costs outstanding. There is no copy of the original credit agreement, no copy of anything with reference to the additional costs incurred, which have never been advised to me. Can anyone advise what I should do next? Is there an email address that I can contact at MMF - as their generic one never responds to me, and I have emailed Wageday Advance to confirm payment of this and they are also now ignoring me!!! Strange how they respond to emails when you are after money or repaying them back!!! Many thanks in advance
  2. They have also changed solicitors - from their own in house representative/debt manager to a solicitor. What does this mean??
  3. Hi all I firstly wanted to say thank you so much for all your kind advice. I have had a problem in that my laptop literally blew up and have only just managed to get a new one sorted! So, am back on here right away. But seriously, thank you very very much. I appreciate you all taking the time to write - you didnt need to and I appreciate it. So then, update - filled in the form, submitted it with payment, and managed to get an Application to set aside hearing. This is within days. But not all good for me it seems.... The DCA have since sent a copy of their credit agreement - AND a copy of all the payment transactions to date at high level. It would APPEAR that the account was NOT closed. And that having looked at this - it ALSO appears that an old account which I was paying some bills with, still continued to pay a small monthly amount by standing order for several years afterwards!! It was an old bank account that I didnt even realise still did it - I have checked this out, and indeed this is the case. So........it would appear as if things are NOT what I expected. But, no annual statements sent by the DCA, no copy of the default notice by the DCA, & I was told by the Court when I handed my N244 in that they had not yet received an individual copy of the claim as I had asked when I submitted my Application form! So, the details that I have received back - it would appear as if the account was NOT closed. And it would appear that there is a sum outstanding - however..................and I would have no problem in paying anything that is owed legally, if I had been made aware, and given the opportunity to look into it! However, they have made some statements which have made me puzzled: 1) They contest that I have not been served correctly at my last known, correct address. I did not receive the claim pack - and they are adamant that they have given me notice that the debt had been assigned! I never received a letter, nor did I receive the Claim Pack!! They claim they wrote to me once, and the court issued a Claim about a debt I didnt know I still had! Seems incredibly unreasonable. 2) The consequence of this, is that I now have an extra £1,000 of costs etc for a debt I had no idea about, and probably will have costs on top of this to follow. 3) Is there any point in my attending the hearing - is it still too late for them to withdraw the application, and I negotiate reasonably/rationally like grown ups!? The risks of a CJJ against me in my profession are such that it genuinely could affect my job....... 4) In view of the impending date of the hearing - with this new information to hand, am I entitled to ask for the meeting to be put back to seek further advice? As an aside, they still persist in spelling my Christian name wrong - as the name that the judgement was passed against. Is there grounds for rejection of the Agreement based upon this?! Would really appreciate any advice that is going folks. Thank you again in advance. It's great to know the world still has decent people.
  4. Sorry folks - can anyone give me even any further advice what to do? Any advice really will be appreciated.
  5. Firstly, my congratulations on having a cancel button so near to the post button..........hence, an hour of typing lost down the drain. AAAAARGH!!!! Hee hee. Ok, so thanks Debbs. The address on the literature from the court was apparently correct. So, no contest against that - even though I couldn't get through to Northampton County Court as the phones were either unanswered or engaged. However, I took a lot of advice from the National Debtline who were really helpful. I spoke to them before and after speaking to Robinson Way who were reasonably professional but didn't seem to have a clue or were willing to discuss this. They have subbed my stuff to a company called IND. What was interestign was that Robinson Way did NOT have my address details against this debt. They had my old address which I vacated about 18 months ago.......is this grounds enough for me to contest and complain, as they have been clearly writing to an old address for months. IND, when I called them, confirmed it was a debt for an old credit card that I am sure I cleared back in 2005/06. What is interesting to note is that when I asked them to suspend the action, or hold off, as I did not believe that the debt was valid, and that I wanted to contest it, IND were absolutely useless. I asked them for some information, and then to suspend all of this while this is looked at - hopefully offline. They said, "Er, can you call back next Wednesday" as their manager would need time to deal with this...??? Is this normal?? I have since tried several times over the last few days but no-one has answered the phones, worryingly. Anyway, in the meantime I now have an Attachment of Earnings Order Application Form sent by the court and I am officially s____g myself!!! I am going to apply for a N244 as I believe the debt to not exist, and even if it does (it was about the time and ex and I were splitting costs in a rather messy breakup), I am sure that it is statute barred. I would welcome any advice: 1) Am I best going to the County Court for an N244 form or calling them? What will be quicker for me in terms of getting something done and things halted, as I have had the Attachment of Earnings forms since Wednesday? 2) The Attachment of Earnings Form - ; what do I do in terms of putting in appropriate figures against my expenses that will not get challenged? I don't want to take the p__s, but also I do not want to put down draconian numbers - if things go pear shaped - & find myself paying this debt over 3 months or something! If I do have to pay back, and I hope this is not the case, I do not want to pay back via a horrendous amount that will make my life absolutely horrendous. 3) I am absolutely petrified of my work finding out - there is a section at the foot of the form, Section 10 with reference to "Offer of payment" - that says that I can offer to pay voluntarily, what will allow me to lean in my favour someone adjudicating that my employer does not need to find out? 4) Should I even submit the Attachment of Earnings Form if I intend to submit a N244? I am sorry to ask more questions, I am just in a bit of a tizzy and it is helpful to maybe take advice from people who maybe have been in the same situation. Many thanks in advance nortellini
  6. Hi there Yes, it has come direct from the Court; so I should ask the Court to send these out. Ok, many thanks for that! nortellini
  7. Hi all First time on here. Have had a few ups and downs with my finances in previous years but have been trying to get on track for some time now. Haven't felt the need to unburden myself - but I have a massive problem, and I am just in a state of shock, and would welcome any advice that may be forthcoming. I have received today, dated the 25th July, a Judgement for Claimant form in Northampton County Court. The debt is for £2,469.35 for debt, £155 costs, and to be honest I don't even know what it is for! There is no detail. There is no explanation, and I have no idea what this debt is for. I have also received a letter dated 29th July stating that the claim is to be transferred to Nottingham County Court for enforcement. Of interest is that I do not even have my date of birth given - so do they not know it?? - and also they have slightly spelt my christian name wrong. In short, I would welcome any help or advice. I do not even know what this debt is for, I have had no letters from Robinson Way, and by reading about them on here very quickly today, it looks like there is a lot of negative publicity about how they do business! Who do I write to? What are my options?? If I have incurred a debt, or there is debt outstanding, then fine. I will face up to my responsibilities - but I cannot understand how anyone can do this without some form of interaction, & potentially impose something upon me that could potentially ruin my medium term future. My job could be at risk, and any credit I seek now is completely out of the question for years. Sorry for the sob story - but any help will genuinely help someone new to this. Thank you for taking the time to read this.
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