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      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Motormile Finance UK RE:Mr Lender payday loan.

rippedoff15
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renegadeimp

renegadeimp

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

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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rippedoff15

rippedoff15

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Well no shock after sending letters by recorded delivery confirming they signed for the letter, and yes thy still keep rings my mobile 5 times this morning, 3 texts stating MIKE WILL BE ATTENDING YOUR PROPERTY UNANOUNCED, if he turns up I will ask him for letter giving him consent to visit my house get any letter as proof slam the door and start hasserment claim.

 

Totally wrong the why this company operates we all should help to get them closed down

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

Bear in mind that even if signed for the complaints may not have been opened and read yet, and if they have the recipient may not have sufficient knowledge or authority to act.:!:

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

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rippedoff15

rippedoff15

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Don't think they have any knowledge :lol: , however did get a call last night from a withheld number and it was a job offer starting Monday so not all bad news. just not giving up regarding MMF Ltd. I have emailed an offer of repayment 3 times and they refuse to even reply and just keep demanding the amount of £623.56. So the fun continues.

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Don't think they have any knowledge :lol: , however did get a call last night from a withheld number and it was a job offer starting Monday so not all bad news. just not giving up regarding MMF Ltd. I have emailed an offer of repayment 3 times and they refuse to even reply and just keep demanding the amount of £623.56. So the fun continues.

Hi Ro,

Congratulations on the job!!! Good Luck.

 

I'll do all I can to assist with MMF.

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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rippedoff15

rippedoff15

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Well just had letter today confirming my complaint, the copy letter is so poor its a joke, they state they will look into the issue and will reply within 56 days.

 

 

Note it states on the bottom of the letter

 

MMF are a trading division of Motormile finance UK Ltd 006637307

 

regards .

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renegadeimp

renegadeimp

Posted
Posted

Well, at least they got the time limit correct.

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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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Well just had letter today confirming my complaint, the copy letter is so poor its a joke, they state they will look into the issue and will reply within 56 days.

 

 

Note it states on the bottom of the letter

 

MMF are a trading division of Motormile finance UK Ltd 006637307

 

regards .

Who signed the letter RO?

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

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
It was signed by Barry Ellershaw customer Relations Manager ????? very poor copy letter / photo copy

 

A badly typed and formatted letter, hand written envelope with childlike writing?

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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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

well since the letter I have had NIL ZERO calls or texts from MMF, I bet its calm before the storm

 

Maybe someone has taken a look at CAG:lol:

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DT&FE

DT&FE

Posted
Posted

Brigadier

 

This is the content of one of their numerous emails, can they legally add or even threaten to add 'default interest'?

 

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.

 

Surely they should, at least, be telling victims how much interest they will be charging, it must be a hell of a lot as they say it will significantly increase the alledged debt.

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renegadeimp

renegadeimp

Posted
Posted

They cant add on ANYTHING unless the original agreement allows them to.

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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renegadeimp

renegadeimp

Posted
Posted

Actually, it is very rare for an original agreement to specifically state that if the debt is sold that the new owner can levy whatever they like.

 

MMF know they are not allowed and use it as a scare tactic.

 

Remember, this company is possibly the worse DCA in existence at the moment and are bordering on criminal activity.

 

I wouldn't put anything past them.

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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rippedoff15

rippedoff15

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Nothing for the last few days, and today this email has been sent, can they issue default when the amount is incorrect.

 

 

Dear Mr

Notice of Instalment Default

Our Ref:

Account Details: Mr Lender payday loan

Debt Value: £623.56

It is noted with rergret that despite a number of attempts to contact you, you have failed to bring your instalment arrangement up to date.

 

Unless you contact us within 5 days to bring your account up to date or to reschedule your arrangement, then we will have no option than to place your account in DEFAULT.

Once in default, your account will be returned to our Collections Department and thereafter onto the Home Visit Schedule.

Please act now to contact us and resolve this matter before it is too late. Our operators are ready to help.

 

We look forward to hearing from you.

 

Yours faithfully,

MotorMile Finance UK Ltd

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renegadeimp

renegadeimp

Posted
Posted

Its a threat letter designed to mislead you.

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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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Nothing for the last few days, and today this email has been sent, can they issue default when the amount is incorrect.

 

 

Dear Mr

Notice of Instalment Default

Our Ref:

Account Details: Mr Lender payday loan

Debt Value: £623.56

It is noted with rergret that despite a number of attempts to contact you, you have failed to bring your instalment arrangement up to date.

 

Unless you contact us within 5 days to bring your account up to date or to reschedule your arrangement, then we will have no option than to place your account in DEFAULT.

Once in default, your account will be returned to our Collections Department and thereafter onto the Home Visit Schedule.

Please act now to contact us and resolve this matter before it is too late. Our operators are ready to help.

 

We look forward to hearing from you.

 

Yours faithfully,

MotorMile Finance UK Ltd

 

I suggest that MMF Ltd is purely trying to deceive here the account was properly defaulted by the original creditor, misleading you into believing that this 'imaginary' default is a serious matter, which of course it is not.

 

Send the following by return e-mail:

 

FAO Mr. Rob Sands

Director of Compliance

MMF Ltd.

 

Dear Mr Sands

 

I refer to an e-mail dated xx xx xxxx in regard to an account with Mr Lender.

 

I note that MMF Ltd now claims it will place the account ''in default'' an odd statement considering the account was defaulted by the original creditor on xx xx xxxx, meaning that no further default can be placed on this account, this would appear to be a deliberate attempt to mislead me into believing an action will be taken which in fact cannot happen, a breach of OFT Guidance.

 

I notice that MMF Ltd also claims that the account will ''be added to the home visit schedule'' please take careful not I will not deal with any financial matters with any agent, representative or employee of MMF Ltd, also I have no desire to make an appointment for any such person to visit my property and all permissions implied or explicit to visit my property are withdrawn

 

I am aware that MMF Ltd have stated in the past that the 'restrictions' set out above do not apply to it, I

am sure that MMF Ltd realises that that proposition is nonsense.

 

Any such visit will lead to the 'visitor'' being invited to leave the property or be removed.

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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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Top marks Brig, do you know the email address for Mr Sands ? have got few but they are the monkeys

Hello Ro, To get a result with this personally I would recommend using RM recorded delivery e-mails

are ignored more often than not:

Never sure if e-mails get to the named recipient or just into a general pile marked ignore:madgrin:

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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DT&FE

DT&FE

Posted
Posted

I wrote to Mr Sands regarding telephone harrassment and the fact that MMF rang my work a

nd told the switchboard operator I was in debt and that was why they were trying to contact me

and could they pass on to me that 'Mike' (the phantom collector) was going to be calling at my house!

 

Mr Sands wrote back to say he would review my complaint and would replywithin 50 days. That was 138 days ago!!!

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renegadeimp

renegadeimp

Posted
Posted

Hope you have informed the OFT. This company has gone downhill fast since Mr Sands gained employment there.

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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