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    • It is important that you do the reading about this subject in the sub- forum. It's not complicated but you need to be in control and I don't think you are. For instance, much of the information you need and also the case transcripts that you're looking for are in the fixed topics at the top of this sub- forum but clearly you didn't know that. You will gain in confidence if you do the reading. Particularly as it now looks as if the mediation has not worked because EVRi have stayed you up and so you may now be going to trial. You need to understand thoroughly what you are doing. We will help you and you will find our support is unstinting but you have to do your part. Please spend a lot of time reading the stories on the sub- forum especially the pinned posts at the top of the sub- forum and then start preparing your court bundle. We have instructions here for everything
    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Motor mile finance default entry


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Hi Everyone

It's been a while since I've been on.

 

But I'm looking for some help with motormile. I was in trouble with payday loans but with your help I'm nearly sorted.

 

Except for wage day advance who sold my debt to motormile.

 

I was turned down for my finance

 

I checked my credit file and motormile have entered a default in December 2012

even though my debt was with wage day in 2011.

 

Is there anything I can do to remove it.

 

Any help will be greatly appreciated

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Agree there postggj. Somethings up with MMF and they seem to be inventing defaults.

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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I'll send brig a pm, see if he has time to advise 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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Hi, Looking in as requested,

 

Can you tell me when the PDLC actually defaulted the debt please?

My feeling is that MMF are using the old an totally wrong theory that

a new default can be placed on the debt from they acquire it, if this is the case

here once you can confirm the original default date we can challenge this with ease,

and add a further complaint to the regulators regarding the conduct of MMF Ltd.

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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The original debt was with Wage Dat Advance and it was in September 2011. Is there anything. I can do at the moment?

 

 

Ok I assume that Wage Day defaulted the account before off loading it to MMF.

 

Let's try this.

 

The Data Controller

MMF Ltd.

 

Ref: use theirs:

 

Misrepresentation of Credit File Data.

 

Sir/ Madam,

 

I have become aware that MMF Ltd is causing inaccurate and misleading data to be published by xxxx credit reference agencies, details below and attached screen print of file entry for your information.

 

1. I believe this account was defaulted September/October 2011 and not December 2012 as stated by MMF Ltd, I am aware that some companies claim that a ''new'' default can be placed when they acquire an account this theory is of course total nonsense as I am sure you are aware.

2. This account is listed a ''Mail Order'' account which I am sure you are aware is NOT the case. it is in fact a Payday Loan Account.

 

I am unable to perceive the reasons behind MMF Ltds actions in regard to this account which is now formally in dispute.

 

I am preparing a report on MMF Ltd and its conduct which will be sent to the OFT/FCA and the Information Commissioners Office.

 

I expect a prompt reply and written apology from MMF Ltd for its despicable and misleading misuse of the data.

 

Send RD/signed for, check delivery on line.

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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Removed on sale, WHICH leaves a debt purchaser free to update the files.

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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  • 1 month later...

Hi guys i came in yesterday to a letter from MMF and they say they say my file is no longer with them and they are no longer responsible for updating my credit file. The debt is now with BPO wuth an address in glasgow. Shall i send them the sane letter as above.

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Wait till someone contacts you first. Dont make the first move.

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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Wait for the change on the CRA file to BPO, they are just another tin pot DCA.

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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  • 3 weeks later...

Hi guys just an update. I havd had no contact from BPO at all. Just wondering what to do next as i have had confirmation of a job change bit of a promition and i need a newer more reliable car. I have a good deposit saved but need a bit of finance. I was turned down because of default by bank. Is there anything i can do?

Thanks as always

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Under a month so, update maybe in about a week some organisations only update monthly.

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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  • 3 weeks later...

Hi guys completely off key here. But I'm having problems asking a new question. I have been sorting ou old paperwork and came across a Barclay partnership finance agreement finished in may. It had gap on there can I reclaim that if so how do I do it. Only reason I ask is there was a negative equity part to the agreement and if I had needed to claim I would not have been successful due to negative equity.

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