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    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
    • @Whyisitthisthank you very much for asking. I am still feeling anxious, especially when someone rings the doorbell, or when I receive a letter I feel a it paranoid. I stopped going to the shops unless I really have to. I shop online now. When I see security I feel paralised. 
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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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