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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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Motormile Finance UK RE:Mr Lender payday loan.


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Cant do that. If you tell them to come round, then you have made an appointment. You need to play by the rules and let THEM make the mistakes.

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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Even if MMF do own the debt, they are obliged to carry ont he repayment plan and CANNOT add on extra interest or charges. No matter what they say or do.

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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No need to hope. Regulation is clear. MMF will try to claim otherwise, but there are huge con DCA that have complete disregard for law, regulation and pretty much everything.

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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All complaints on the conduct of MMF to Mr Rob Sands, Director of Compliance.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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well had 5 texts today from MMF asking me to call them urgently, and nothing from Mr Lender regarding the repayment plan which I have been paying. not sure what to do now should I keep sending my monthly payment to Mr Lender, as they have not told me in writing they have sold the debt.

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Mr Lender do not need to tell you . Ibelieve notification from the buyer of the debt is enough. However I think you are right to not pay. Maybe a call to Mr Lender and ask for it in writing or email.

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Have you had written confirmation from MMF that they have bought the debt, if not keep paying the original creditor.

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Only by email from what has been said and I do not think that would count under LPA

 

Did the e-mail require proof of delivery?

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The only detail from MMF is the following email

 

Dear Mr ,

NOTICE OF LEGAL ASSIGNMENT OF DEBT

Our Ref:

Mr Lender payday loan

Debt Value: £623.56

We hereby give you formal notice of legal assignment for the above debt.

Your debt has been assigned to MotorMile Finance UK Limited (MMF) from Mr Lender payday loan.

 

MMF is now the legal owner of the account.

 

All default interest and collection charges have been frozen from your account for 7 days. If the account remains unpaid after this time, we will add default interest to the balance which will significantly increase the debt.

 

Call NOW to benefit from this offer.

 

Please contact us as a matter of urgency to resolve this matter, where one of our operatives will be happy to assist in finding you a solution:

 

Tel 0800 996 1103

Please quote your reference

 

This matter is not going to go away and we need to discuss how to resolve the matter before your account is passed to our Home Visit Department.

 

We look forward to hearing from you.

 

Yours faithfully,

Doorstep Collections Dept

MotorMile Finance UK Ltd.

 

I did call them and they also state the debt was £623.56 as I they claim I have never made any payments, I was on repayment plan with Mr Lender repaying £430.00 from a loan taken out which was £250.00. And so far I have stuck to the plan and repaid £191.12 ie £47.78 each month.

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I Think this will be acceptable now, but you could check with the ICO.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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well 3rd email from MMF demanding £623.56 and unless I make payment they will send the collector to my home address and they don't reply to emails. so how can they demand money when clearly I have repaid 191.12 from the debt plan of 430.00 which was set up by Mr Lender.

 

Dear Mr ,

ACT NOW TO PRESERVE YOUR CREDIT RATING

Our Ref:

Mr Lender payday loan

Debt Value: £623.56

We note that you have not responded to our previous communications.

Your continued default will shortly be reported to all 3 major credit reference agencies and this will make it hard for you to obtain credit in the future.

 

The file is now being prepared for a notice of default to be issued and then for a Doorstep Agent visit to your property to try and resolve the matter.

 

 

If you wish to deal with this matter, please contact our office and one of our representatives will happily go through the matter with you to reach a repayment agreement.

 

PLEASE DO NOT IGNORE THIS MATTER AS COSTS AND INTEREST WILL SHORTLY START TO BE ADDED TO THE ACCOUNT BALANCE AND WILL GREATLY INCREASE THE AMOUNT YOU WILL HAVE TO PAY.

 

Please Contact us NOW on: 01138 876 876. Quoting referenceYours Faithfully,

 

Pre-Visit Collections Dept.

MotorMile Finance UK Ltd.

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I have emailed them today confirming my repayment plan, and stating they must put all replies in writing and they are not welcome at our house etc etc , somehow I think they will not reply and try to add more fees. I have emailed Mr Lender they have yet to reply.

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e-mailing MMF is pointless, recorded compliant to Rob Sands, mark the envelope private and confidential.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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well spoken to MMF and they have asked for the copy replay plan. to confirm the debt strange as she did state it was 623.56. hope see changes are turn when she sees I have in writing the plan. Do they have to accept the same plan ????

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Yes they believe that removal of rights does not apply to them, usual 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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You are letting yourself in for problems phoning MMF, any thing said in reply to your questions WILL be denied if you have to rely on it.

Yes they do have to honour the payment plan.

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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