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    • he may be using a different name but cars and vans/vans and cars it’s all the same Gerard Bird/Gerry Bird/G Bird aka Gurdip Singh Virdi He is still doing the same thing, operating from the same premises at 101a Longford, I’m guessing during Covid they got the great idea to rip people off remotely and charge people for the pleasure. they now deliver cars that are shocking quality and refuse to even accept the issues you find. Then Gaslight you into thinking your the problem and call you an idiot for buying a used car instead of a new one. Buyers beware this thread is vitally important     
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    • The only way to verify whether there is any financial reward for the management is seeing the agreement. That would be required during disclosure IF court proceedings went ahead... Unless you could bring pressure to bear and get a copy?
    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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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.

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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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