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    • The "grief tech" firms helping users create talking avatars of their dead relatives.View the full article
    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
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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.

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