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    • To clear this up !This new ccj claim from cabot/Mortimer is  for  a bank i have no account with.And is obviously trying to make out my older debt is not statute barred.They think i will respond and start the six years all over again for a totally diferent debt. I have no debt with the bank they are claiming against me with. Do people not understand this?
    • The site has a drop down for different postal services, implying the exclusions are based on the service you use, yet when you select different services the exclusions appear to remain the same, and certainly in the case of Parcelforce do not tally with the cover included by Parcelforce.   My P2G account still shows the declaration I made.
    • Finally go  a little time to myself, so knocked the defence from your given examples. How does it look?   1.The claim is for the sum of £882.53 due by the Defendant under the CCA 1974 for a Shop Direct account with the account ref of ********************    2.The Defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the CCA 1974 which has not been complied with.   3.The debt was legally assigned to the claimant on 08/01/18, notice of which has been given to the defendant.   4.The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £70.60 - The claimant claims the sum of £953.13   #####Defence######   The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraph 1 is denied. Whilst it is admitted I have held various catalogue agreements in the past, I have no recollection of ever entering into an agreement with Shop Direct and do not recognise the specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request pursuant to The Consumer Credit Act 1974.   2. Paragraph 2 is denied I have not been served with a Default Notice pursuant to sec87(1) the Consumer Credit Act 1974. They have sent an alleged copy dated 28th Jan 2018 from my cpr31.14 request. this is the first time I have seen this letter.   3. Paragraph 3 is denied. I am unaware of a legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1)   4. On receipt of this claim form I, the Defendant, sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of the said request.   5. A further request made via CPR 31.14 to the claimant’s solicitor, requesting disclosure of documents on which the Claimant is basing their claim. The claimant has not complied.   6. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:   a) show how the Defendant has entered into an agreement and; b) show how the Defendant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87(1) of the Consumer Credit Act 1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim   7. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   If you think it's okay, I'll get it put in today.    Thank you for all your help on this. 
    • Is there a defence against the argument Royal Mail say there is no contract, and they are immune from tort and therefore cannot be sued?    
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lozzzy

Uncle Buck loan - Sold on.

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Afternoon,

 

I had an uncle buck loan approx 2 years ago which was repaid (i paid througha debt collectionlink3.gif agency).

 

Today a letter has arrived through the post explaining my debt for £65 has been sold to Motormile Finance and they are taking court action against me.

 

I can’t find the original doc's so panicking! any advice please?


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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I'm just putting together a letter to Motormile fianance.

 

Does anyone have an email address please. Also any suggestions i can put in the letter?


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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Who sent you the letter?

 

When you hear from MMF write back saying that you do not acknowledge any debt,that the original loan was repaid to x by date y. And you expect to receive absolute proof of any alleged debt.


Any opinion I give is from personal experience .

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MMF sent it! I'm a little nervous as i can't find any proof of the debt being repaid, but i know i did for certain.


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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Hi,

Does this sound ok? Is there anyone i can possibly report them to?

I havereceived a letter stating that I owe you £65 for an Uncle Buck loan.

I disputeand do not acknowledge and debt to uncle buck or Motormile Finance UK, as theloan was fully repaid to Uncle Buck on 29th June 2011 & 4thJuly 2011.

I expectto receive absolute proof of any alleged debt.


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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Does the letter say will or may take court action. I suspect it says may.


Any opinion I give is from personal experience .

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Surprise suprise it does!

 

I've emailed uncle buck with the dates and they have agreed its been paid and are stopping the action!

 

prob just tyring to [problem] some more cash!


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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Hi lozzy. MMF are a very shady company and have reverted back to their old ways. You can send a letter, but you MUST file a full and formal complaint to MMF and the OFT. Those complaints are vitally important.


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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Make sure you keep that email. Print it,save it,frame it lol


Any opinion I give is from personal experience .

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Hi lozzy. MMF are a very shady company and have reverted back to their old ways. You can send a letter, but you MUST file a full and formal complaint to MMF and the OFT. Those complaints are vitally important.

 

Those complaints should be addressed to ROB SANDS COMPLIANCE DIRECTOR MMF.


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

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I hate to stand up for MMF but Uncle Buck are the ones who parceled it up and sold it i imagine. Ok so there was no due diligence but i would be complaining about Uncle Buck.


Any opinion I give is from personal experience .

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The OFT needs to hear about UB, but the main issue is with MMF,a nd as brig said, the complaint needs to go to the compliance director. Any other person or address, it will go ignored.


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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I hate to stand up for MMF but Uncle Buck are the ones who parceled it up and sold it i imagine. Ok so there was no due diligence but i would be complaining about Uncle Buck.

Nonsense!!


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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Brigadier why is that statement nonsense.

You know full well i would happily watch motormouth burn in hell.

 

Why is the main issue with MMF?

They bought some debts and sent out a NOA with a we may take legal action on it. No we will or LBA, just we may. UB have failed in their accounting system and potentially commited fraud.


Any opinion I give is from personal experience .

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Still waiting for a reply, coherent and logical or otherwise.


Any opinion I give is from personal experience .

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