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    • Agree it is not a modification that needs to be disclosed to Insurers as changing the seats has not changed the risk.  
    • Frpm David Frost and Robert Jenrick: 'Conservatives must show we respect the votes in 2016 and 2019 and not give the Opposition the chance to undo the benefits of leaving the EU'   Sweep away the Brexit gloom – or Labour will unravel a huge gain ARCHIVE.PH archived 22 Apr 2024 05:47:50 UTC  
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    • There's a thread somewhere about someone sending the baillifs against Wizzair that is quite hilarious. I would love to see someone do the same to Ryanair. Question is, should you be the one to take that role. You are entitled to the £220, if your flight was from the UK. If it was TO the UK I suppose it is more of a grey area... though the airlines I know have been using £220 as standard. Not that surprising for Ryanair, the worst cheapskates in the universe, to go for the lower amount, and if you forward this to the CEO he will probably have a jolly good laugh and give his accountants a verbal bonus. After all he's the one who said and I paraphrase "F*** our customers, they'll fly with us again anyway". While we would all love to see Ryanair get wooped in court again, I have to join my fellow posters in thinking it's not worth the hassle for (hypothetically) £7 and not sure it will expedite the payment either. It's already an achievement that you got them to accept to pay.
    • The US competition watchdog has taken legal action to stop Tapestry's $8.5bn takeover of rival Capri.View the full article
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi guys,

 

Hope your all good, been a while since I was advising here on CAG (been very busy). My friend got a letter from MMF (I've never dealt with them before) , after sending them a doorstep collection letter and as I have been out of this for a while I thought I would put it up on here to make sure I am still upto speed with current OFT guidelines etc.

 

The debt was with a payday loan company for 350. Anyway MMFhave sent a NOA and then about a million texts and phone calls. Now this letter he received today.

 

Dear Mr xxxxxx

 

Thank you for your letter dated xxxxxx regarding your account with us.

 

I understand that you have decided to revoke your doorstep licence.

 

In relation to your revocation of the doorstep licence regarding our intention to send an agent to you home to discuss the debt. I can confirm that we are fully aware of this an we ensure that we fully comply with OFT guidance regarding debt collection and visits by agents. You are not correct I you assertion that under OFT rules, we can only call at your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked, and we are giving you reasonable notice of he timing of the intended visit.

 

In law a creditor is in a different position to a postman or a member of the public asking directions. When you took this loan, you implied lay agreed that the creditor could communicate with you to discuss repayment. You do not have the contractual right to revoke that agreement until the loan has been repaid. Yet you have frustrated our attempts to discuss the matter with us either by letter or telephone.

 

We will not disregard any reasonable requests you make as to timing or method by which we have those discussions. Unless we hear further from you with such a request we therefore give you notice that our aent will be calling at your home address to discuss repay,ent of this loan.

 

Etc etc etc.

 

What do you guys think ???

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Stadard Crapola,

The OFT Gudance is that it is unfair to ignore a debtors reasonable request as to when where and how they are contacted.

 

Write to Neil Petty Director at MMF and tell the above and also mention you are sending a copy of the letter to the OFT.

 

I've done on a few of these MMF letters and they have backed down, your original letter is a little archaic now.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I'm not quite sure what letter he sent regarding doorstep collections to be honest. And as I guessed things had probably changed since I was regularly posting on CAG I thought I would check.

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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I'm not quite sure what letter he sent regarding doorstep collections to be honest. And as I guessed things had probably changed since I was regularly posting on CAG I thought I would check.

It,s best to keep the letter for this down just to a quote of the OFT Guidance as said in post 2#

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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have moved this to the MMF forum

 

al the info is here for you

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi CD, long time no speak, how's the HFO/roxboroug bashing going?

 

I think he said lending stream, but I'll check with him. They sent a NOA dated 11/12/2012 yet sent this letter 10 days later. Obviously previously they were collecting on behalf of the PDL company . I pointed out that as they only owned the debt door 10 days how could they have been frustrated in their attemps to contact him.

 

As they were previously collecting on behalf of the the PRL his responsibility was to them not MMF.

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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