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    • Beware using the word "mitigating". That is only if you're admitting it and asking them to be lenient because x,y,z or whatever.   You are not admitting it so there can't be anything to mitigate something you didn't do.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
    • Could you perhaps use the quote button so as to minimise confusion?  It's difficult to distinguish between what you quote and what you are saying.  (Actually it is quite easy to tell the difference).
    • Name Of Claimant - Lowell   Date of Claim - 11th nov 2019   What is the claim for – the reason they have issued the claim? 1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   What is the total value of the claim? £2247.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO   Did you inform the claimant of your change of address? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD   When did you enter into the original agreement before or after April 2007 ? NO   Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT HAS BEEN PASSED TO LOWELLS   Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL   Did you receive a Default Notice from the original creditor? I BELIEVE SO YES   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS   What was the date of your last payment? APPROX JAN 2015   Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%   Just to sum up what has happened through this thread: -       defaulted around May 2015 -       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA. -       lowells sent pap, replied, they sent again, replied again -       Court claim    
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zebedeepink

DCA left a message on my WORK answerphone - Motormile

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I am absolutely fuming. They left a very explicit message making it quite clear who they were on my work answerphone which is obviously a work phone as the message states the department and hospital. They are threatening to turn up on my doorstep (they have my old address) but nevertheless, I'm so angry I could spit. I have previously offered them monthly repayments which they turned down as they said it was too low (was £30 a month for a £500 debt).

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Hi

When leaving messages they shouldn't be too specific on what the issue is.

If they have said it was XXX debt collectors or made specific statements regarding any financial matter they could be in trouble. Is the message still there? Did anyone else hear it? can you physically copy the message? (play the message then record it on your phone)


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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If they have left a message which reveals any of your personal information you must make a complaint to the ICO & Trading Standards.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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What immature little clowns, calling your place of work IS psychological harassment, I wouldn't put up with that.

 

OFT&TS first port of call to complain too, then Ofcom, your local MP, BBC Watchdog, and local press, which foolish clown outfit was it?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It was Motormile Finance. They've left another message on my work phone today, despite me emailing them to tell them never to leave messages on my work phone. The message said "Hello this is XXX from Motormile Finance. We are due to carry out a doorstep visit at your property. To avoid the unnecessary embarrassment of us turning up unannounced, please telephone bla blah blah to make an appointment. Luckily, I was in the office on my own at the time but anybody could have heard the message and it is so obviously a debt collector. I am beyond furious with the scumbags

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You must complain to the ICO https://www.ico.gov.uk/Global/contact_us.aspx


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Thread moved to the Motormile forum.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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I am absolutely fuming. They left a very explicit message making it quite clear who they were on my work answerphone which is obviously a work phone as the message states the department and hospital. They are threatening to turn up on my doorstep (they have my old address) but nevertheless, I'm so angry I could spit. I have previously offered them monthly repayments which they turned down as they said it was too low (was £30 a month for a £500 debt).

 

Hi I'm working on a ''project'' regarding the conduct of MMF regarding another matter involving improper actions if you would like me to include your case in a group complaint to the OFT, please PM me the details, as full as you feel comfortable with divulging, I will happily add it to my report.

 

If you would like me to draft a letter for you initially to stop MMFs phone contact just let me know and I will do it straight away.

 

BRIGADIER2JCS

Site Team.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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