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    • So I just found a couple abandoned traffic cones locally by some bins.   A bit squished but free!  So have placed them on the land.  Will wait to see if the cones get moved and signs ignored again this week before I consider rocks/ boulders.
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    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
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Motormile Finance UK RE:Mr Lender payday loan.


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Phishing letter. Ignore it.

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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Well this is the email from MMF regarding the QQ debt they claim to own, it was own by Gothia who marked the defaulted mark on my credit file as satisfied, as Gothia list the account as default on 06/04/2010 can MMF list another default ? but as yet their is nothing on my credit file relating to MMF

 

 

Dear Mr

Reference:

We are attempting to contact the above named person regarding a personal matter. We have been provided this email address as being the possible address for our subject.

Therefore if you are the person named above, then please contact our office immediatly on telephone number 0844 770 9583 quoting the reference number , where upon detailed information can be provided.

If, however, you are not the person named above and/or have any information regarding the persons whereabouts, then please contact our investigation team, in confidence, on the alternative telephone number or email address below.

Telephone: 0800 054 2043

Email: [email protected]

We look forward to hearing from you as soon as possible.

 

Yours faithfully,

MotorMile Finance UK Ltd.

I think that is an exact copy of a letter that Mackenzie Hall used when Rob Sands was compliance manager there!!

 

Originality is not MMFs strong point.!!!

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Jesus Rippedoff youe been through hell with these guys

 

It took me a full few hours to read this through. Im sorry to hear about the issues you've been having with MMF but thats what these thugs do best. Bully you.

 

Brig, how many complaints do you have about MMF>?

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Well just checked my credit file to find a company called Express finance ltd have listed an account ( 252.00 ) their is no address listed, also Gothia have listed a default and marked the account satisfied this is the debt Motormile claim to own.

 

Is Express finance Motormile ????????????

 

 

OK.

 

Private & Confidential

For the Personal Attention of:

Mr Rob Sands

Director of Compliance

MMF Ltd.,

 

Date:

 

Ref: use theirs:

 

Dear Mr Sands,

 

Formal Complaint:

 

I have been receiving contact regarding an alleged debt for £xxx.xx allegedly originating from an account with a company known as Express Loans a company that I have NEVER had any dealings with and I do not acknowledge any liability to MMDf Lt., or Express Loans.

 

Having checked my credit reference files I find entries for this alleged account made by Gothia and marked satisfied and a further default entry from Express Loans for the same spurious account.

 

The obvious conclusion to draw here is that there is some confusion or deliberate manipulation of credit file data occurring here (enclose a screen print of the entries if poss RO) a copy of the entries is attached.

 

As I have never been a customer of the alleged creditor I do not acknowledge any liability for any such debt and will not enter into further correspondence or any other form of contact in regard to this matter.

 

Nor will I permit any 'home visits' by any agent, representative or employee of MMF at any time, being aware that MMF mistakenly like to claim such prohibitions do not apply to it, any such 'visitor' will be invited to leave failure to do so will result in the persons removal with police assistance if needed.

This is my final response.

 

recorded/signed for post and check delivery.

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Well I have checked my credit file again only to find that the file has been update as follows:

 

The Debt from Gothia RIDGEWORTH HOUSE, LIVERPOOL GARDENS, BN11 1RS ( £1004.00 ) is marked as satisfied . They did marked on 06/04/2010 a default

 

And new entry Express Finance Ltd 4TH FLOOR, NORTHSIDE HOUSE, 69 TWEEDY ROAD, BROMLEY, BR1 3WA ( £252.00 ) is marked as Satisfactory ?

 

Their is no reference on my credit file relating to MMF, so getting I bit stressed is Express another trading name for MMF ? and if the debt from Gothia is marked as satisfied do I have to repay MMF as they claim to own this debt, but their is no detail on the credit file, I have wrote to MMF regarding this matter but had no reply

 

cheers

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Payday Express by any other name. PDLC.

 

Mico Lending

Edited by BRIGADIER2JCS

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This appears to be an entirely separate PDL company different registered offices and no shared executive.

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This appears to be an entirely separate PDL company different registered offices and no shared executive.

 

I have never taken out any loan from Express Finance Ltd, so looks like I need to write a letter to them requesting information.

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I have never taken out any loan from Express Finance Ltd, so looks like I need to write a letter to them requesting information.

 

Tis odd,perhaps make it a complaint that they are unknown to you and require proof of their authority to place CRA entries, without of course admitting any liability to them.

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I have a nasty suspicion growing on me here, more underhand dealings Express is a PDL company MMF purchase delinquent PDL accounts, this 'Express Account' shows up on a CRA file with a 'satisfactory' conduct tag on it another way of manipulating the 'collectability' of these accounts??

 

Thoughts please!!

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I have a nasty suspicion growing on me here, more underhand dealings Express is a PDL company MMF purchase delinquent PDL accounts, this 'Express Account' shows up on a CRA file with a 'satisfactory' conduct tag on it another way of manipulating the 'collectability' of these accounts??

 

Thoughts please!!

 

Agree.! It's fishy... I'm going to make a phone call to them later and ask about it... Of course they don't have my number so they won't know who it is...

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I have a nasty suspicion growing on me here, more underhand dealings Express is a PDL company MMF purchase delinquent PDL accounts, this 'Express Account' shows up on a CRA file with a 'satisfactory' conduct tag on it another way of manipulating the 'collectability' of these accounts??

 

Thoughts please!!

 

I don't see the relevance of a cra file has to do with assignment of a debt.

 

I would also leave out allegations of manipulation of data from any correspondence as it could be libellous.

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I don't see the relevance of a cra file has to do with assignment of a debt.

 

I would also leave out allegations of manipulation of data from any correspondence as it could be libellous.

 

The debt concerned here has been marked as 'satisfied' by GOTHIA and has been in the hands of MMF which pursued it it now appears under 'Express Loans' of BROMLEY KENT a PDL company, which is why there is something very suspicious about this.

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A bit of on the oft register shows that express finance is a trading name of igroup2 ltd who are also black and white loans and purple loans Their CCL is 0457887 .They are based in watford and nothing to do with express finance (bromley) ltd. As far as I can see there is no connection with mmf.

They are run by 2936073 F N secretary ltd and Barry Duncan.

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Cross checking my report:

 

MEM Consumer Finance have listed debt of £225.00 dated 12/01/12 marking it 2 payments late, strange as according to my records the debt was cleared in full and they have never sent any letters or demands. I have wrote but get no replies

 

EE Trading as Orange have marked a default on 24/07/2011 and I have never had a contract with orange and can not this removed

 

Gothis Ltd listed default on 06/04/2010 which was an old QQ loan this is marked as satisfied on my credit file, but this is the account MMF claim to own now

 

Express Finance Ltd enter on 25/08/2012 a debt of 252.00 it is marked as satisfactory, however I have not had any loans from this company nor had any letters emails nothing, should I call express

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Hi Ro,

 

I cogitate on this and see what I can come up with to send them, this gets more and more confusing.

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!

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