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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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MMF Advice - payday loan, Mr. Lender


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I've received a letter dated 04/01/13 which states I owe £620 to MMF (Motormile Finance UK Ltd).

 

It states it has been passed to the home visit division.

 

They advise I can set up a standing order to pay them, I was going to set up a DMP with CCCS and still plan on doing so in the next fortnight. It asks me to contact them via e-mail or telephone to discuss repayment terms.

 

Any hints on what I should say/avoid saying to them?

 

Thanks,

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Hi

 

When you say ages ago roughly how long was last payment to each?

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Keep off the phone if you want to start repayments get it all in writting.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Had a text today from a mobile saying This is notice I will arrive unannounced within 4 days. Mike - MMF Agent. Call the office if you wish to make an appointment. 0800 996 1103 and reference number.

 

What should I say to this, should I ring him or the office, not making an appointment, the little radgie isn't coming into mine like!

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if he turns up unannounced just tell him to go and play with the traffic

he has no right of entry not a bailiff and has less right than a snail to be on your property

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Ok I think you must reply to the text saying.;

 

In reference to the threat of a visit from Mike allgedly an agent of MMF please not I will not discuss any financial matters with itinerant persons who arrive unannounced at my home,should any agent of MMF make such a visit he /she ot it will be invited to leave immediately, failure to do so will result in the removal of any agent using all ''reasonable'' force.

 

Then send a written copy of this and a transcript of the text to Mr. Robert Sands, Compliance Diirector MMF marked Private and Confidential. send to Protection House address.

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

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Ok I think you must reply to the text saying.;

 

In reference to the threat of a visit from Mike allgedly an agent of MMF please not I will not discuss any financial matters with itinerant persons who arrive unannounced at my home,should any agent of MMF make such a visit he /she ot it will be invited to leave immediately, failure to do so will result in the removal of any agent using all ''reasonable'' force.

 

Then send a written copy of this and a transcript of the text to Mr. Robert Sands, Compliance Diirector MMF marked Private and Confidential. send to Protection House address.

 

That's perfect ,mate, cheers much appreciated.

 

What is Protection House though?

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Hi

 

Send mmf the following letter recorded delivery type your name do not sign this will get them off your back and look for this video on you tube very informative

 

 

UK DEBT COLLECTION - how and why they lie to you Part 1

 

Dear Sir or Madam,

 

Account Ref:Your ref

 

Please be advised that I will only communicate with you in writing. I havenoted your repeated attempts to contact me by telephone/Text over the past fewweeks and these have been duly logged by time and date.

 

Furthermore, should it be your intention to arrange a “doorstep call”, pleasebe advised that under OFT rules, you can only visit me at my home if you makean appointment and I have no wish to make such an appointment with you.

 

There is only an implied license under English Common Law for people to be ableto visit me on my property without express permission; the postman and peopleasking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB384. per Lord Evershed M.R.). Therefore take note that I revoke license underCommon Law for you, or your representatives to visit me at my property and, ifyou do so, you will be liable to damages for a tort of trespass and action willbe taken, including but not limited to, police attendance.

 

 

 

Yours Faithfully

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Hi

 

Protection House is where Motormiles Head Office and Accounts is located:

 

Motormile Finance Uk Ltd

Head Office and Accounts

Protection House

83 Bradford Road

Leeds

LS28 6AT

 

Hope this helps

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Letters should be a ddressed to Mr. Robert Sands, Compliance Director.

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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Hi

 

Send mmf the following letter recorded delivery type your name do not sign this will get them off your back and look for this video on you tube very informative

 

 

UK DEBT COLLECTION - how and why they lie to you Part 1

 

Dear Sir or Madam,

 

Account Ref:Your ref

 

Please be advised that I will only communicate with you in writing. I havenoted your repeated attempts to contact me by telephone/Text over the past fewweeks and these have been duly logged by time and date.

 

Furthermore, should it be your intention to arrange a “doorstep call”, pleasebe advised that under OFT rules, you can only visit me at my home if you makean appointment and I have no wish to make such an appointment with you.

 

There is only an implied license under English Common Law for people to be ableto visit me on my property without express permission; the postman and peopleasking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB384. per Lord Evershed M.R.). Therefore take note that I revoke license underCommon Law for you, or your representatives to visit me at my property and, ifyou do so, you will be liable to damages for a tort of trespass and action willbe taken, including but not limited to, police attendance.

 

 

 

Yours Faithfully

 

There is very little to gain from the last para in that letter, a simple statement that no visits or phone calls are to be made has far more impact.

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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surely while the last paragraph may be unnecessary it lays down what the likely consequences are. Just a personal opinion.

 

In general short sharp non "template" style letters are more efficient and can demonstrate to both the company and if needed a judge that you know what you are talking about.

Any idiot can pull a template letter from the internet.

Any opinion I give is from personal experience .

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