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    • Thank you both. My defence was as vague as their Claim. 1. I am the defendant in this claim and litigant in person. All allegations made by the claimant are denied. 2. The defendant does not recognise the alleged agreement xxxxxxxxxxx as mentioned in the particulars of claim therefore it is denied that any such agreement exists. 3. The defendant has requested copies of the alleged agreement under Data Subject Access Request, Consumer Credit act 1974 s.77/8 and Civil Procedure Rules 31.4 but to date the claimant has failed to provide a copy of this document. 4.The defendant has also requested copies of the default and termination notice for the alleged account xxxxxxxxx as required to legally enforce the alleged debt, but again the claimant has failed to provide either. 5. In addition the defendant has requested copies of statements for the alleged account xxxxxxx showing the amount of monies allegedly owed to the claimant. To Date these have not been provided. 6. The defendants view is that this claim is vexatious and an abuse of process as the claimant has failed to provide any documentation to support their claim and respectfully requests that the said claim be struck out.   As an aside, I noticed that the 'statement' they did provide had a different figure on it to what they are claiming, so I will hopefully be able to flesh out quite a bit in my skeleton argument.   Spam 
    • 80% refund sounds like a very good deal* as they are entitled by law to deduct an amount from the refund to reflect the use you have had of the item over the 12 months it has been working.   So you could argue that a deduction of 20% for one year indicates that they expect it to last for at least five years, and probably longer.     * Think about it this way - would you pay 80% of the value of a brand new iPad to buy a second-hand one that somebody else has been using for over a year, or would you expect to get it cheaper than that?
    • Hi WoodDD.. Neither Case was cited in the VSC WS... however, MR D form VCS threw in VCS v Ward & Idle for the Judge to consider during the hearing. The Judge did not have time to review this. I believe he may have had a quick scan but decided it wasn't relevant at the time.. By not relevant, he didn't elaborate if it was not admissible or anything else..   Hope this helps..   Regards Tom     
    • Can I  ask what you mean by "... they recommended a firm... "?   I ask because I'm a bit surprised that Social Services are even allowed to do that.  (I may be mistaken and that this is common practice, but it seems a bit odd to me).   If they did do so and the work has turned out to be sub-standard and unsatisfactory, I would have no hesitation in making a formal complaint to the council and also to my (or your friend's) local councillor(s).  You acted on the council's recommendation and you should have a reasonable expectation that the firm recommended should be reliable and professional.  I would also insist that trading standards be asked to investigate this firm.  (Where I live our local county council trading standards department runs an approved trader database).   A complaint to the council might not directly assist you but it might help to prevent others being taken in by this firm.
    • Hello Susan, welcome to CAG.   Hopefully Paul Walton will see this message and reply to you, but it would also be a good idea to start a new thread of your own so we can advise on anything else connected with your refund.   Best, HB
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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im on a dmp with cccs and my uncle buck payday loan was i thought paid off but only £100 had been which was the amount i borrowed and now uncle bucks has sold the debt to mmf

 

according to mmf i owe £210 which also includes the £100 i paid the rest is intrest and fees

i am now getting phone calls emails and letters saying they are going to do a home visit

 

i did not recive any letter to tell me the debt was sold untill i said i have not been given any notice of it being sold

they then sent me a letter about 3 months after they brought it

 

what can i do ???

 

thanks

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Ignore the interest and fee's. You only owe the amount stated when it went to a DMP. MMF are a terrible DCA and will do anything they can to hike up debts, or force people to pay debts that are unenforceable.

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

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thanks that what i thought

they keep on ringing emailing ect and threatening a home visit

i have told them that they are not allowed to enter my property and if they do i will have the person arrested for trespass but they say that they can take pics of my standard of living from the road

 

what im worried about is i live in a block of flats on the ground floor and im worried that they will try and take pics throu my window and i have 2 kids here

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Send them the telephone harassment letter and read the Doorstep collectors thread.

 

If they take pics like that, then they will be very very sorry. I bet they told you that on the phone and not in a letter right?

 

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

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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ive just recived this email

 

Original Lender: Uncle Buck Payday Loans - Debt Assigned to Motormile Finance UK Ltd

 

EASTER HOLIDAY - SPECIAL OFFER!

 

Take advantage of this Easter Holiday Special Offer from MMF. Save up to 40% on your account with one of the 3 offers below:-

 

It's really simple. Just follow these steps to benefit from a massive saving:

 

1. Choose one of the fantastic offers below

2. Call us on 01138 876 876 quoting your reference number

3. Give our advisor the Promo code Offer 1,2 or 3!

 

 

Current Balance: £210

 

Offer 1: £126 to clear your account! Enjoy a massive saving of 40% if you call and clear your account. A one off payment of £126 using Credit or Debit card by 28th March will close your account and reflect on your credit file.*

 

 

Offer 2: Two instalments of £78.75 clear your account!

Take advantage and Save 25%. Make two payments of £78.75, one by 29th March 2013 and one by 30th April 2013, use your credit or debit card and your account will be closed.*

 

 

Offer 3: Five instalments of £35.7 clear your account! Set up a five stage payment plan and save 15%. Make the agreed monthly payments of £35.7 from March to July 2013 by Credit or Debit card and we will close your account.*

 

 

 

is this even legal ???

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The regular advise here is if discounts are offered by DCAs then there's a big problem with the debt. Afterall why would these fleecers take less money when if enforceable they could rightfully get the full amount owed to them?

 

I'd say to send them a letter from the library about telephone harassment and also the doorstep threat letter.

 

It's worth baring in mind that these clowns do actually follow their threats through and have previously turned up at people's property. Of course, they have no rights or powers.... They knock your door, you tell them to foxtrot Oscar, if they fail to leave, phone the police, record them on you're camera phone.

 

Sending the doorstep letter should stop them from turning up unannounced.

 

Can you not get in touch with your DMP and tell them this is a debt that you had forgotten about and see if they'll add it (minus the unenforceable charges and fees) to your DMP?

It never rains but it pours...

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100% lemon debt. You just need to find out why.

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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bombaymix the £100 debt got paid off and the other £110 is charges and intrest

 

 

as for coming round they can as im 6ft 1 and weigh 18 stone :-) so i dont think i would have any problems removing them lol

 

thanks for your help i think il just ignore them

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Report them to the FOS and OFT, that offer letter shows that they have very little hope of getting the alleged amount they claim is owed.

 

I've got my complaint in, two texts after eachother every other day, followed by a telephone call -- for a debt which was repaid in 2008! They also cannot get me past 'security' as the address they have is over 6 years old.

 

They also failed to send a copy of their complaints procedure when requested and continue to ring and text.

 

Luckily the only email they have for me is very old and I haven't used it in over a year - so I don't get these threats.

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Hi

 

Ive also had this email!! large reductions on the loan. For an Uncle b loan Debt o/s is now £95. UB sold the debt to MMf having already taken interest and charges off, the balance being £115. I don't really have an issue with this as the loan was £150 and defaulted on!! However I have found the amount of calls and text messages over the top. the brig is building up a complaints file against them.

 

It will be interesting to see how they respond.....

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Got a partial response off Uncle Buck, I HAD repaid the loan and they incorrectly passed it on - so I am now chasing UB for financial compensation - if I don't get a reply back on Tuesday I will start charging them at the rate they would charge me.... 17 texts at £25 per text, plus phone calls, plus emails etc all mounts up.

 

Going for a reasonable £150 off them and then £350 off MMF as they deserve to be hammered.

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  • 2 weeks later...

another email to the collection

 

ive told them the debt is denied but they wont leave it

 

[email protected]

04:56

Urgent Contact Message‏

 

[email protected]

10/04/2013

Home Visit appointment request‏

 

[email protected]

08/04/2013

Urgent Contact Message‏

 

[email protected]

05/04/2013

Call MMF - URGENT‏

 

[email protected]

29/03/2013

Urgent Contact Message‏

 

[email protected]

26/03/2013

DEFAULT NOTICE‏

 

[email protected]

20/03/2013

Account in Default - CALL NOW‏

 

[email protected]

15/03/2013

Urgent Contact Message‏

 

[email protected]

06/03/2013

Home Visit Appointment‏

 

[email protected]

06/03/2013

Home Visit Appointment‏

 

[email protected]

17/02/2013

TRANSFER TO HOME VISIT DEPARTMENT‏

 

[email protected]

16/02/2013

Home Visit Appointment‏

 

[email protected]

14/02/2013

HOME VISIT- Pre-Appointment Notice‏

 

[email protected]

11/02/2013

ACT NOW TO PRESERVE YOUR CREDIT RATING‏

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i have emailed mmf and told them i withdraw there right to visit my property but earlier her indoors said that while she was stood outside a fella with a clipboard entered the block of flats and knocked on my door are they allowed to do this ???

i have a good mind to ring them up and give them both barrels

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i have emailed mmf and told them i withdraw there right to visit my property but earlier her indoors said that while she was stood outside a fella with a clipboard entered the block of flats and knocked on my door are they allowed to do this ???

i have a good mind to ring them up and give them both barrels

 

 

Not sure ringing them is a good idea, stay off the phone so you have a written evidence chain and not what MMF interpret verbally. Are you sure it was MMF who knocked?

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You need to file a full complaint to their compliance manager and a full complaint to the oft.

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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another 2 emails and now the ****s are ringing my house phone dunno where they got the number from as im ex directory

so i rung them up and told them to either refer it back or take me to court they said they cant refer it back as they have brought the debt so once again i said take me to court as thats the only way they will get any money out of me

they then said they would send the doorstep collection team round so i told them to bring it on and if they step one foot on my property i will remove them with extreme force if necessary

i then got asked if it was a threat and i replied no its a promise i then got told the call was being recorded

 

all i can say now is **** em and if they come round il record me throwing them off my property

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They NEVER record calls. Or they wouldnt say what they say on the phone.

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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Action Needed: Formal Complaint re amount and frequency of calls/messages and any threatening or intimidating calls, list dates and times of all contact.

Send to: Mr. Robert Sands, Director of Compliance @MMF also send a copy FAO The Debt Collection Teak OFT.

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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  • 3 months later...

Hi,

I'm too running into issues with these guys once again. As with many of these situations its been brought from Uncle Buck. I have at the start of this was not aware of this forum and the deceitful these guys operate, foolishly talked to one of their friendly reps!!!. Anyway long story short it didn't get far I try to get the original loan amount but they would not give it, then I asked if I could setup payment plan, yes no problem so I asked if I could have their bank details, oh boy talk about hitting a raw nerve. The rep literally went off the deep end ultimately he said that it was company policy not to accept that and they promised that they would only take the amount agreed upon. I may have been naive then but allowing someone free access to my account and to take their word only that amount to be taken no way!!!. So I left with them to let me know if they want it. Obviously not. So to today had someone park opposite the house pretending to talk on phone whilst not to clever taking photos of the house next door. Anyway to cut long story short I have been having texts, emails etc sent to me with threats which as of yet nothing has happened, touch wood. Today I received a text with a warning that they will seek a ccj and also instruct a bayleaf to come round and take what they need and also include cars etc.. nice!!. Should I be worried about this or is it case of posturing since they have not got a rise out of me. Please advise the best way forward.

Regards

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:madgrin:H Yarrakid,

 

MMFs delusions of authority again no doubt assessing your 'life style', they have to get a CCJ first then you have to fail to meet the judgement time to let them know they've been spotted 'loitering with intent to be stupid!:madgrin:

 

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i sent them an email refusing them access to my property and i told them if they do enter i will remove them by force i then got an email from the head of compliance who said it did not apply to them but since then all calls have stopped

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