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    • I spoke to a pro-bono entity this afternoon.  They advise I must initiate a claim in the court v the receiver if I want to then file an application for an order for sale.  I must have a claim/ proceedings to be able to force a sale. The judge in the current proceedings  has told me that I cannot force the lender to sell and the lender cannot interfere either.   If the receiver isn't acting correctly and isn't selling - this means I must make a claim against the receiver
    • Thanks Dave It's not too far away, about 8 or 9 miles, so I will probably venture over on my bike if I can't think of a good reason to drive there again! I'll have a chat with Mrs GB_Joe tomorrow and see which shops they visited, I know M&S was on the list (had to try on multiple sets of trousers!) and they are actually in that bit of retail park. The uniform shop is across the way in the Meridian Centre, so probably not helpful to get them involved.
    • As they have failed to deliver their original PCN you will need to send them an SAR where they should provide that PCN. It should show the address they used . If it is not your current one that would explain the non delivery. If it was correct then perhaps the Post office messed up. A more cynical view would be that UKPC didn't send it so that you couldn't claim the reduction. It appears that UKPC have been there for some time  but I have been unable to find any pictures of their Notices.The leisure park itself is pretty big so while some parts maybe give 5 hours free parking other parts may have restrictions like permits. I haven't been there for years -I went  to Nandos and the bowling centre . I am surprised that they are now infested with UKPC as the place is plenty big enough not to require their dubious services. If you live not to far away it would help if you could get some legible pictures of their signs. Be carful to park in an area that doesn't require a permit and take photos of the entrance signs, the five hour sign and the permit only sign as well as any other signs that are different from the previous signs. Also if their is a payment machine could you please photograph that.
    • This other entity doesn't know what's going on.  To be clear I had huge equity.  No-one would ever expect a lender to erode all my equity.  The question is - if anyone knows the legal answer - on the basis they have a charging order - could they make an application for an order for sale?  
    • Is this place near to you? I ask for two reasons. If you can easily go back, then get photos of the signs.  On GM and Parkopedia there are various comments about the signs being pants. Also go back to the school uniform shop and ask the manager there for contact details for the retail park (which I've Googled & Googled and got nowhere).  The school uniform shop will just be tenants of the retail park, they won't be able to do anything.  It will be the retail park that called EPC in, and we've seen loads of cases where the organ grinder has intervened and called off the monkey.  As for EPC, aye, ignore them until LoC stage.
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Scared of home visit


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Hi

I got a voicemail message left on my mobile yesterday from a man who gave his name and said he was calling from Motormile Finance UK Ltd 'doorstep department'. The message said they had been trying to contact me and now they were going to do a home visit in the next few days, (they did not specify date or time). The message asked me to contact them using the automated reference number that suddenly came on. I also got a txt message on my phone with a number to ring and the same reference number. Unfortunately I have few payday loan debts and not sure which loan is being asked for. I have no choice but to work something out with National debt line. I have also moved address but the creditors were not informed, which means they may have been trying to get me on the old address. The issue for me is that if they turn up at my current address which I share with landlord and two students, and speak to my landlord, i could end up being given notice to quit by the landlord and in my current financial mess, homeless. I work.:-(

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Have a read of http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

 

Send them a letter with the info in that link, and if ANYONE comes to your house, tell them to sod off or you'll call the police. If they discuss ANYTHING with your landlord, they will be breaching the DPA ( for which you can sue them, especially if it results in you being homeless).

 

You MUST cover your back by sending that letter first thing in the morning. Send it by recorded delivery.

 

It is very unlikely these muppets will ever turn up, but if they should, you need to know your rights and how to deal with them. Remember, they have absolutely NO legal authority to come to your home or even speak to you without an invitiation, and im guessing you wont be inviting them any time soon.

 

Also, since they are threatening things, yet they havent stated what they are calling about, send them the following letter in the same envelope as the doorstep one. http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

 

Now you have all that information, take a deep breath, have a cup of tea, and go get a good nights sleep. These idiots arent worth thinking about. We've dealt with them so much they even have their own subforum on this site!

 

One absolute key thing you must do as well, is to make a formal complaint with the OFT about this company. This way, they can be investigated for breaches of regulation.

 

 

Hope that helps you a little and eases your mind. Don't hesitate to post back if you need more info.

Edited by renegadeimp

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Wow! Renegadeimp!

 

Many thanks for the information... what a relief to know!...and you are not asking any money for this!!!!

I will post the letters in the morning by recorded delivery or at least give one of the letters to the door visiting person in the morning, should I not get the chance to reach the post office first!

Many thanks again!

.

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Send both letters and keep a copy of the doorstep one just incase they do turn up.

If they turn up push the letter under the door to them or through the letter box and walk off. DO NOT GET INTO A CONVERSATION WITH THEM.

 

Remember, the collectors are commision based and only get paid if they get money from you. They will say and do anything to get money from you.

 

Their commision is usually around 20% so you can see why they bully and threaten people into paying. once you know how they work and more importantly your rights, they just seem laughable at best. they rely on your ignorance in order to exist.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

Just an update, I sent recorded delivery letters as advised.

I received the following email yesterday:

Hi (My First Name)

 

We're contacting you about a financial matter related to Think Finance (UK) Ltd t/a 1 MONTH LOAN (debt assigned to Motormile Finance UK Ltd) and reference ( the reference number that they used before).

 

You may have already been contacted about this in the past, but it is possible that your situation or the terms being offered have changed.

 

[EDIT]

 

[EDIT]

I am still not sure of the loan they are asking for and have not heard of 'Think Finance (UK) Ltd' when I go into the suggested link [EDIT] it asks me to put in my postcode to verify who I am. white-corner-bottom-left.gifwhite-corner-bottom-right.gifcontent-block-footer-shadow.gif1x1.jpg?c=id-6zgq-7e-h824

Edited by ims21
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  • 2 weeks later...

Ignore it. Theyve pretty much admitted its a bad debt. Also, edit the link out if you are still around. It links direct to your account.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Bottom right of the post you want to change.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You might just not have enough posts to do it. I'll grab an admin to come help.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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