Jump to content


  • Tweets

  • Posts

    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Motormile Finance Harrassment - New thread


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4049 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

This company has sent me three texts from three different numbers, and I've had a pre-recorded message asking me to ring them.

 

I've rung them (I know I shouldn't but I love to wind them up) and they can't identify me due to the wrong address they have (an address I moved out of nearly 4 years ago!).

 

The debt they are chasing must either be nearing statute barring (as was a previous debt they gave up on) or a mistake as I know I haven't had any loans in over four years.

 

It is the text messages (3 in under 24 hours, and the phone call) that I am annoyed about, I've asked for a copy of their complaints procedure and will be following it up.

 

When you phone them on 01138876876 you are told they can 'offer various solutions including a substantial discount, loan or payday loan (oh yes, they state this clearly) to help pay for the debt. - Major breach of OFT Guidelines here.

 

Just as well I am a seasoned CAGGER and able to get their poor phone jockey to tell me off as she can't control the call herself and I refuse to give out my previous address.

 

Shows that they do NOT employ proper tracing methods otherwise a cross check of their own system would have found me easily here - I last had dealings with them in November and they ran away then!

 

Complaint to the OFT coming up as soon as I have complained to them first!

Edited by citizenB
Link to post
Share on other sites

  • Replies 51
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Or just ignore them as nothing has been put formally in writing. Just be glad you're not dealing with PDL's anymore. SOme of them are texting and phoning up to a dozen times a day total.

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

Link to post
Share on other sites

Having same problem, automated text messages at work for all to hear, very embarrassing and certainly harassment. Asked them to stop but no effect.

 

Can you take action through the courts to stop them on grounds of harassment and breach of DPA? If so what form is it?

 

Thanks

IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

Link to post
Share on other sites

1Yes, here is the history to date - never a mention of a company I have actually dealt with.

 

First contact by text 10.45 on 21/02 (last Thursday)

Second contact by text 13.10 on 21/02

 

That was when I telephoned them...... and they could not identify me from my current address where I have been for four years.

 

Recorded telephone message at 11.53 - spoke to Charlotte and asked for copy of complaints procedure

Further text received 11.56 on 22/02 stating it is very important to contact them

 

Recorded telephone message at 10.55 on 26/02 - again spoke to person and said complaints procedure requested and stop calling

Text message received 26/02 - tried replying telling them to stop but message rejected

 

"You have chosen not to respond" text message received today at 16.43

Recorded telephone message 16.42 today - again spoke to them and told them to stop - again Charlotte couldn't identify me from current address

 

I think by now they must be really having a laugh - I have told them my situation and they haven't got a hope in hell of me letting in one of their 'representatives'

 

Does anyone else think this is excessive contact especially as they cannot link the address to me.

Link to post
Share on other sites

Think something is very funny about their Phone - Doorstep - Legal details, most of the legal stuff they could not do without somebody first defaulting on a CCJ

 

http://www.mmile.com/collection.html

 

I've used the details on the site to lodge an email complaint to them and told them on the phone their conduct is going on the internet.

Link to post
Share on other sites

A previous compliance manager from Mackenzie Hall is now with Motormile ! This sounds all very familiar with Muckies way of doing things.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Yes it appears Rob Sands is compliance director.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

A previous compliance manager from Mackenzie Hall is now with Motormile ! This sounds all very familiar with Muckies way of doing things.

 

That wouldn't be the same former compliance manager of Mucky Hall that is also a director of MRS (Mercantile Recovery Solutions) now would it??

 

Funnily enough I find his new company are just as guilty of behaving in the same manner as I wrote to him about from Mucky Hall. Obviously they don't think people will complain about them as they are a new company!!

 

Feebee_71

Link to post
Share on other sites

Be warned, it may no longer be Rob Sands - he now signs the letters that were arriving at my address from a company called Mercantile Recovery Solutions!!

 

Perhaps he got fed up with dealing with people's (justified) complaints about the behaviour of Mucky Hall!!

 

Feebee_71

Link to post
Share on other sites

Well, after the last lot of harrassment I haven't had a copy of their Complaints Procedure - no surprise there.

 

Don't know if it was them but I received a rather suspect text yesterday from a mobile number

 

Your credit records show that you still have an outstanding debt and we will need to write off at least 70%, for us to do this ASAP reply DEBT.

 

Of course I did not text back DEBT to that just in case the idiots took it as acknowledgement of alleged debt!

 

I reported the email to my phone provider (02, on their spam text service 7726) so hopefully they can do something.

 

If anything comes in the post today I will report back and scan in a copy.

Link to post
Share on other sites

No complaints procedure letter received but phone call and text received

 

Phone call was pre-recorded "We need to arrange a home visit by one of our representatives. Please call us urgently on x quoting reference x" at 11.51

 

Text received "You have chosen not to respond to us (I have - you are chosing to ignore me!) Please call us urgently on x , MMF, quoting reference x" received 11.55

 

How I wish I could call and text them every half hour with "I have responded, you cannot connect me to alleged debt so leave me alone".

Link to post
Share on other sites

Still no Complaints Procedure but another recorded message to contact them to let a representative visit my home left today.

 

This lot need some serious re-training.

 

The home they want to visit I left over 4 1/2 years ago and the one before that is 7 years!

Link to post
Share on other sites

Be warned, it may no longer be Rob Sands - he now signs the letters that were arriving at my address from a company called Mercantile Recovery Solutions!!

 

Perhaps he got fed up with dealing with people's (justified) complaints about the behaviour of Mucky Hall!!

 

Feebee_71

 

Rob Sands left MH to set up MRS. He then left MRS and became compliance director at MMF who then bought MRS in Feb of this year.

All sounds a bit incestuous to me.

Any opinion I give is from personal experience .

Link to post
Share on other sites

Formal Complaint going out in post today (have to go to post office anyway) so I can get a proof of posting.

 

Idiots seem to think that they can help me by 'giving a generous discount, payday loan or other loan to help clear debt'.

 

Sorry but after being relatively loan and debt free (other than electricity bill - another story) I am not falling back onto the bandwagon.

 

Besides I am not sure of what part of 'I am unemployed, have no assets, and no money' they would like translated into a language they understand.

Link to post
Share on other sites

Rob Sands left MH to set up MRS. He then left MRS and became compliance director at MMF who then bought MRS in Feb of this year.

All sounds a bit incestuous to me.

 

Doesn't it just!!

 

Thanks for explaining it to me :-D

 

Now I'll just wait for MMF to write to me in the same way that MRS did once he'd moved away from MH last year - letters demanding money but nothing saying they'd acquired the account or been assigned to collect on either MH's (or for that matter the OC's) behalf!!

 

Feebee_71

Link to post
Share on other sites

Formal Complaint going out in post today (have to go to post office anyway) so I can get a proof of posting.

 

Idiots seem to think that they can help me by 'giving a generous discount, payday loan or other loan to help clear debt'.

 

Sorry but after being relatively loan and debt free (other than electricity bill - another story) I am not falling back onto the bandwagon.

 

Besides I am not sure of what part of 'I am unemployed, have no assets, and no money' they would like translated into a language they understand.

 

Ahh, but did you try writing it in crayon on that printer paper with holes along the edge a-la every infant school class in the 1970's??

 

If not, perhaps that's the language they understand!!

 

Feebee_71

Link to post
Share on other sites

Very tempted to print it out in that style, with, of course, the well hackneyed phrase "Valid even if not read by you!"

 

I've still got the voicemail left yesterday.

 

I did receive another text on Saturday from another mobile number, they are being forwarded to my phone providers spam number!

 

I wonder if it was them who sent the 'Your credit records show you still have an outstanding debt and we will need to write off at least 70%, for us to do this ASAP reply DEBT' message, that too was forwarded to the spam line.

Link to post
Share on other sites

Just received yet another "You have chosen not to respond" message from another mobile number at 8.41!

 

Their little ears must really be burning now.

 

I think it should be illegal for debt collecting companies to bombard you with messages when you HAVE responded and they cannot match you to the address they have.

Link to post
Share on other sites

Formal Complaint going out in post today (have to go to post office anyway) so I can get a proof of posting.

 

Idiots seem to think that they can help me by 'giving a generous discount, payday loan or other loan to help clear debt'.

 

Sorry but after being relatively loan and debt free (other than electricity bill - another story) I am not falling back onto the bandwagon.

 

Besides I am not sure of what part of 'I am unemployed, have no assets, and no money' they would like translated into a language they understand.

 

I can think of a few ways you could say it but I am not sure the site filters will let me type it lol you can always email it to [email protected] (barry Ellershaw) [email protected](neil petty) as well as post it.

 

I would email the CSA as well and bang in an email to the OFT fitness to hold a licence (won't do any good by itself as I am sure you know but.....)

From what i have seen there are good(as a dca can be) inept (such as Westcot ) and down right crap and unfit who ignore all regulations and guidance such as MMF

Link to post
Share on other sites

Jimmy99? What kind of investigation did the CSA undertake? As a trade body, i found them ineffective and pretty much agreed with what the DCA told them? Which, strangely enough when referred to FOS who upheld the complaint disagreed with the CSA and DCA??

Link to post
Share on other sites

Well in the case i know about they said that they were going to reiterate to MMF that they should be absolutely clear in what they say (they had said that they may apply for a CCJ and WHEN it was granted they would blah blah blah)

 

They also fluffed around the issue of doorstepsbut did say they wouldn't turn up without an appointment even after MMF had said they could turn up when they liked

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...