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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   2. The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974.   3.The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago   Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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mmfhater

uncle buck debt sold to mmf

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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

:D

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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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another email to the collection

 

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

 

ascent@mmile.com

04:56

Urgent Contact Message‏

 

ascent@mmile.com

10/04/2013

Home Visit appointment request‏

 

ascent@mmile.com

08/04/2013

Urgent Contact Message‏

 

ascent@mmile.com

05/04/2013

Call MMF - URGENT‏

 

ascent@mmile.com

29/03/2013

Urgent Contact Message‏

 

ascent@mmile.com

26/03/2013

DEFAULT NOTICE‏

 

ascent@mmile.com

20/03/2013

Account in Default - CALL NOW‏

 

ascent@mmile.com

15/03/2013

Urgent Contact Message‏

 

ascent@mmile.com

06/03/2013

Home Visit Appointment‏

 

ascent@mmile.com

06/03/2013

Home Visit Appointment‏

 

ascent@mmile.com

17/02/2013

TRANSFER TO HOME VISIT DEPARTMENT‏

 

ascent@mmile.com

16/02/2013

Home Visit Appointment‏

 

ascent@mmile.com

14/02/2013

HOME VISIT- Pre-Appointment Notice‏

 

ascent@mmile.com

11/02/2013

ACT NOW TO PRESERVE YOUR CREDIT RATING‏

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Report them to the FOS as I did, that way they can see this lot are not listening to their 'customers' but only doing what their client thinks is 'right' ie debt collection.

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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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yes as she said that she caught a glimpse of some paperwork on his clipboard and it had mff in blue letters

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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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Right, they won't listen to you, so get complaining to the regulators as it's clear they're not interested in adhering to rules and regulations.

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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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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:

 

Want a letter?


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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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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next time they park up by your house ring the police and tell them that a dodgy person in a car is selling drugs/or something

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