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About baggies2016

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  1. I emailed their previous response to Mandy bent asking if if she was for real... Default now removed! Dear Mr XXXXXX Thank you for your email in relation to your historic account with MYJAR. As MYJAR’s Group Compliance Officer, I am responding to the further communication you sent to our complaints team today and cc’d Mandy Bent. I have looked at your complaint and the response we have provided, below is additional information, which I hope will clearly articulate the outcome of the complaints team investigation. During the first half of 2014, MYJAR started using Credit Reference Agency (CRA) services for the first time. As part of the boarding requirements with the CRA we were required to share all account status data from that point and also to share all historical data. This is quite normal, to extract data from a CRA the lender must also share data with them. This forms parts of the reciprocal agreement terms creditors hold with Credit Reference Agencies. Before MYJAR provided the CRA with the information to registered the default entry on your credit report, we were required to send you a default notice to give you the opportunity to remedy the original breach of the agreement. This was sent to you on the XX July 2014, the earliest opportunity prior to boarding with the CRA services. Before that time, we did not use CRA services, (as explained) and therefore there was no requirement to issue you a default notice. There is however a requirement to keep a customer up to date with the status of an account, this was done so in the form of email and SMS communications when your original contractual payment was not received. As we didn’t hear back from you after we sent you the default notice by email to xxx@xxx.co.uk we carried out our obligations with the CRA and shared your account status data with them. The requirement we have is to ensure the data recorded is a reflection of the true history of your account and after checking I can confirm that the information is accurate. Since MYJAR issued the final response to your complaint, I can confirm the default entry is no longer showing on Call Credit’s records, this is due to the date in which the agreement was opened, having passed 6 years. The Equifax entry is still showing despite the 6 years passing. I have today arranged for this entry to be removed, as it should have been at the same time Call Credit removed theirs and updated your records. I do hope the explanations set out above and the request to remove the entry from Equifax satisfies your original complaint. However, if you are still not satisfied you are able to take your complaint to the Financial Ombudsman Service as explained in our final notice, sent on 09 Feb 2017. This is our final communication on the matter.
  2. Look at this response from Myjar, 2010 loan defaulted 4 years late. We write to advise you that we are now in a position to provide you with our final response. We take all complaints very seriously and we are grateful to you for having taken the trouble to raise this matter with us. We will use the information you have provided to try and prevent similar issues arising in the future. As you are not contacting us from your registered email address, please let us know if you wish us to update your account with this new email address. If you do not wish to update your email details, please note that we would need to ask you security details every time you contact us from an unregistered email address. Relevant facts Your complaint relates to MYJAR entry on your credit file. You have explained that you discovered our entry on your credit file and are concerned that the date of the entry is incorrect. As a resolution to your complaint, you have requested us to either amend the date of the credit file entry or to remove it entirely. Investigation You took out your last loan with us in February 2010. You have claimed that you settled the last loan you had with MYJAR. Please note that according to our records, you have not made any payments towards the balance and as such a default notice was sent to the email address you signed up with on 15 July 2014. Since no repayment was received within the given timeframe, a default was registered against you. We note that on 17 May 2016, the loan was set aside due to the age of the debt and the credit file entry was updated to Satisfied. Please note that at the time your loan defaulted, MYJAR did not share data with any credit reference agencies. As we only started sharing data with credit reference agencies in 2014, it was not possible for us to have issued the default notice before. Nevertheless, we can confirm that the registered default date reflects the date of the action of the default and the date when the loan was marked as Satisfied reflect the date when it was set aside. Due to reciprocity agreements between us and the credit reference agencies, we are obliged to provide them with accurate information regarding all of our customers’ accounts. Decision In light of above, despite our empathy, we are unable to uphold you complaint. Due to the age of the debt, it has been set aside, meaning that you do not have any financial obligations towards MYJAR. Please note that we are unable to remove the loan entry registered against you as we believe that all creditors need visibility of true account behaviours and how their accounts have been managed, removing them would only put the client at greater risk. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. You can find information about how to do this on the Financial Ombudsman Service website: http://www.financial-ombudsman.org.uk. There is helpful information about how to complain in the leaflet Your complaint and the Ombudsman which you can find at: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm. Kind regards,
  3. 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.....
  4. 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............
  5. I would like her MMF email address If anyone has it
  6. 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.
  7. 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.
  8. 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 customerservice@mmile.com 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: pat.lee@mmile.com Web: www.mmile.com
  9. sent it to the address on the website, the Nottingham, address for head office.
  10. good luck Cruz, KPI is a key performance indicator, basically a target that sets level of bonus pay
  11. I just drafted a standard letter, I stated that I would wait 14 days then I would go on moneyclaim and start county court action. I also said that I wanted to avoid another FOS complaint and it was better for us both to avoid the costs of court. 14 days passed and I had no response, I phoned them to clarify if it was accepted or rejected and stated that I wouldn't discuss anything other than this. They said it was with the short settlement team and the woman was on holiday. They told me to email the letter to DCA@CATTLES.CO.UK. Within 24 hours I had settlement approved just had to get the wording right. Maybe the KPI's for the staff have been to recover cash at an higher rate....
  12. Just to update my thread. I sent Welcome another complaint about my account, I listed the 4k of charges and complained of irresponsible lending on the first re-write (the re-write I was aware of) on the basis that they shouldn't have increased my credit when I had been missing payments. The balance on my secured account is just under 14K, I also had an HP agreement with added PPI, charges etc with a balance of 16K. They cannot supply CCA's for either account. In my letter I made a Goodwill offer of 4K to clear both accounts and the removal of the secured Charge. I had a letter refusing the grounds of the complaint but accepting the offer providing I sign to say that I will not claim PPI or charges in the future. I made certain the short settlement agreement contained written evidence that they would remove the charge. I had to speak to them a few times to get the wording right as they would send it over with a very vague terminology. I must say that having dealt with Welcome for many years I was shocked, they really seemed to want to cooperate to get this sorted and were actually very nice . They put in writing everything I requested. Paid the 4k and within days Land registry have removed the charge, Welcome must have done this electronically. I might have been able to have challenged this without paying 4K but I can now sell my house and get on with my life. Big thanks to DX and good luck Cruz.......... Ps must be stoklholm syndrome for me to say they was being nice
  13. 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
  14. 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.
  15. 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
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