Motormile updated credit ref agencies with wrong default date

[karlosg]

Hi I need some help. I defaulted on a payday loan with wageday advance back in feb 2010. They chased for a while then I heard no more until now from motormile finance. They seem to have bought the debt, but they have updated all the credit red agencies stating the default date was Dec 2012. This must have been around the date they bought the debt possibly ??

 

I have written to motormile finance and had no reply . I also registered a notice of correction with experian but they have not had a reply either yet . Even if experian remove it for no reply all the other agencies are still going to be showing the wrong info. I don't dispute the debt but I don't want the whole 6 years before it wiped starting again when it should be half way gone. Pls can anyone help ??

[BRIGADIER2JCS]

Hi Karslog looking in as requested.

 

Ok, this has to be challenged with wage day advance really, but I'll try to cut a corner by going straight for the throat of the compliance director at MotorMile.

 

So.

 

For the Personal Attention of:

 

Mr. Robert Sands

Compliance Manager

Motor Mile Finance Ltd

 

 

Ref: use the one their letters.

 

Complaint re: Inaccurate Data Recorded on Credit Files:

 

Dear Mr. Sands,

 

I refer to recent correspondence from MMF Ltd regarding an alleged debt to Wage Day Advance in the sum of £xxx .xx please note I do not acknowledge ay debt to MMF or any company it may claim to represent.

 

I have in the course of reviewing my credit history check my credit files held by xxxxxxxxxx credit reference agency and have noticed that MMF have altered the default date on this account from February 2010 to December 2012 which is clearly wrong, it appears to me that MMF Ltd have deliberately altered the debt to that at the time it acquired the account.

 

One has to wonder if this is done purely to extend the ''life'' of the default entry to the advantage of MMF Ltd or if it has been done through incompetence and the belief that a default can be ''restarted'' when a debt is purchased.

 

I now require MMF Ltd to correct the information on ALL credit reference agency files to which it has reported the inaccurate data and to inform me in writing that my instructions have been complied with, also MMF Ltd should seriously consider making financial redress for attempting to extend the ''life'' of the default by nearly 2 years.

 

On receiving MMFs reply I will consider what the content of my complaint to the Information Commissioner will be.

 

This letter is sent by RM recorded/signed for post and its receipt will be checked.

[karlosg]

Thanks very much I will get this sent off

[BRIGADIER2JCS]

Thanks very much I will get this sent off

 

Your'e welcome please keep us posted on the outcome.

[sillygirl1]

Motormile seem to be misbehaving badly, must be the influence of Mr Sands.

[BRIGADIER2JCS]

Motormile seem to be misbehaving badly, must be the influence of Mr Sands.

 

This very much surprises me, Rob Sands was one of the more understanding people in this business at one time.!!

[Sillyboywyn]

This very much surprises me, Rob Sands was one of the more understanding people in this business at one time.!!

 

And looking at his LinkedIn page he has worked for all the worst DCA's there are, and not one of them has improved.

[karlosg]

Rob was a great help !! Letter worked great too. Rob answered me by email personally and even offered to call me and gave me his direct number. As both original creditors can't supply a copy if the default letters rob said they will remove both defaults from my credit file!! I have it in writing and he couldn't have been more helpful . Lesson learned !!!

[BRIGADIER2JCS]

Sounds like a good result!!

[karlosg]

Indeed it is. I have no idea if that means the entry will be totally deleted or just the default. But either way it's a good result so thanks to all on here who helped.

 

Plus I have robs direct email address now if needed.