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    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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Motormile recording PDL defaults as MAIL ORDER accounts


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Hi drob,

My guess is MMF are snowed under with complaints, or they are so confused by their lies and deceptions they forgotten what they have reported.

 

What type of search was this?

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Hi BRIGADIER2JCS

 

The search was recorded as 'Debt Collection'

 

Have MMF made any searches prior to this one drob?

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No

 

I find that quite surprising it's usually one of the first thing I would expect a debt purchaser/DCA to do.

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I find that quite surprising it's usually one of the first thing I would expect a debt purchaser/DCA to do.

 

It is MMF we are talking about, so nothing should be surprise!!!

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It is MMF we are talking about, so nothing should be surprise!!!

True indeed drob but if MMF have the opportunity to bu**er up some ones credit file they usually take I.:!:

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I already have a thread regarding MMF and a default, however this is regarding another issue. MMF purchased an old QuickQuid debt and have been bombarded with the usual emails threatening doorstep visits so I sent them the usual template letter .

 

In response to my doorstep collection letter I have received the following reply from MMF.

 

 

"In relation to your notification of your revocation of the doorstep licence regarding our intention to send an agent to your home to discuss the debt. I can confirm that we are fully aware of this and we ensure that we fully comply with the OFT guidance regarding debt collection and home visits by agents. You are not correct in your assertion that, under OFT Rules, we can only call at your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked and we are giving you reasonable notice of the timing of the intended visit"

"In Law a creditor is in a different position to a postman or a member of the public asking for directions. When you took this loan you impliedly agreed that the creditor could communicate with you to discuss repayment. You do not have the contractual right to revoke that agreement until the loan has been repaid.

Barry Ellershaw

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Get it to the oft. Mmf break the law and regulation every chance they get.

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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"When you took this loan you impliedly agreed that the creditor could communicate with you to discuss repayment. You do not have the contractual right to revoke that agreement until the loan has been repaid"

 

If the loan had defaulted and then sold to MMF, wouldn't the original agreement have been terminated?

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Ignore it. They are 100% wrong

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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To make the matter even more ridiculous MMF didn't pay the correct postage and I ended up paying £1.09 for having the pleasure of MMF replying to me.... I might send them an invoice for £1.09

 

I would like to draft a letter to MMF pointing out what they have said is incorrect. Can anybody suggest point to raise in my response to MMF?

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Most of the time these people do not call. My son as had about twelve of these "were sending the home visit team" e_mails. Send a copy of their letter to the OFT it is a clear breach of the OFT,s guide lines. Next I would draft a letter of complaint to their compliance officer.The Brigardier as drafted many fine examples

It should be alone these lines

For The Attention of The Compliance Manager

Motormile Finance.

Ref: as on their letters/e-mails.

 

Please take note the letter sent by the operatives of Motormile dated xxxxxx have in my opinion clearly breached OFT guidelines on home visits. I have sent a copy of this document as part of a complaint against your company.

 

ALL contact MUST be made in writting and sent by Royal Mail, (proof of posting is no accepted as proof of delivery).

 

 

NO agent, representative of Motormile Finance is granted permission to visit my home, should such a visit occurr the person making the prohibited visit will be told to leave. I will also make a formal complaint to the police that you have ignored my letters and that your actions are be regarded as criminal harassment.

 

I will not discuss financial matter at my door nor with any strangers.

 

I refer you to my letter dated xx xx xxxx which I know you have received.

 

For Clarity I am fully aware of the OFT Guidance 2003/2011 and the sections regarding the conduct of debt collectionicon agencies and I have made a complaint to the Oft

 

your name etc

 

I think this will do the trick. If the letters about home visits do keep coming. Then do go to the Police and report their actions. Over the last year the police have begun to take more notice of these types of Harassment

and they are very easy to prove, a crime number and contact number for the police officer dealing with your complaint normally stops them

 

Best of luck, it took me a long while but you will win in the end

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Hello mr_mastiff

 

Thank you for your reply I will put a letter together over the weekend.

 

The bit that gets me is "In Law a creditor is in a different position to a postman or a member of the public asking for directions" i wonder where they dreamed that up from???

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Hello mr_mastiff

 

Thank you for your reply I will put a letter together over the weekend.

 

The bit that gets me is "In Law a creditor is in a different position to a postman or a member of the public asking for directions" i wonder where they dreamed that up from???

 

In law it is different. However, they seem to skip over the fact that When they turn up unannounced and without an appointment, there is no difference.

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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In law it is different. However, they seem to skip over the fact that When they turn up unannounced and without an appointment, there is no difference.

 

"In law it is different" ... Is it just the title 'creditor' that is different?

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What i meant was that they are a financial company that is owed a debt. They are allowed to come to your home to investigate or ask why you havent paid it.... but ONLY if they make an appointment first. That lst bit is the part they always ignore and leave out of any communication. They simply try and state that they can come and do as they please. Remember, the vast majority of people that owe money have no knowledge of their rights or what they, or the creditor, can and cannot do. They simply bury their head in the sand and let the creditor walk all over them. Thats why almost every single DCA in this country has turned their threat letters and harassment letters into full on genuine form letters. They think they can act and do as they please because they know that almost every single debtor will not issue formal complaints.

 

No complaints means no action by the regulators, which means the regulators think the DCA's are doing nothing wrong. The DCA's know this, so continue doing whatever they want.

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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To make the matter even more ridiculous MMF didn't pay the correct postage and I ended up paying £1.09 for having the pleasure of MMF replying to me.... I might send them an invoice for £1.09

 

 

 

 

 

This is something you must complain to the OFT about !

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hello mr_mastiff

 

Thank you for your reply I will put a letter together over the weekend.

 

The bit that gets me is "In Law a creditor is in a different position to a postman or a member of the public asking for directions" i wonder where they dreamed that up from???

 

So they admit they are nothing more than a Loan shark do they ? They used to believe they were "above the law", although to be fair, they did use to visit with baseball bats !!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You do not have the contractual right to revoke that agreement until the loan has been repaid

 

They are correct.

 

You do not have the contractual right, but you do have a statutory LEGAL right ;)

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 everyone. I need your help. Ive been receiving these emails every few days, the same message in each. I have had no calls, or letters, as i now live in Dubai. The address is my parents address, so very scared that people will turn up at there door. Is it best to just email them back stating im no longer living in the country? and i will deal with payday direct? Does an email even serve official notice!? they have never mentioned a ccj in any emails, and far as im aware recieved no post to mums address.

 

Dear Ms xxx,

 

NOTICE OF INTENDED ACTION

Our Ref: xxx

Debt Details: Express Finance (Bromley) Ltd t/a Payday Express

Debt Value: pound;3xxx

 

You have failed to reply to our earlier emails and as such your account is now being passed to the Home Visit Department.

 

That department may prepare for a Doorstep Visit at your residential address and, if necessary, a report on your living circumstances for our in-house solicitor.

 

If you wish to prevent a Doorstep Visit, please contact us immediately otherwise we may have no alternative, other that to ready this matter for legal proceedings.

 

If you do call us, you will find our operators ready and willing to discuss the matter with you.nbsp;

 

Yours faithfully,

 

MotorMile Finance UK Ltd.

Edited by honeybee13
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Dont email. Put it in writing. MMF completely ignore emails. If they try anything once they are aware you no longer live in the UK, they would be in deeper trouble than they are now.

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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I cannot put anything into writing as like i said i live overseas. Unless i send by DHL or something. Does anyone have an address? and a suitable template i can use? my fear is, by contacting them they know ive received there messages. Ive read that means ive accepted there notice, as its been read.

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Personally since youa re overseas i would ignore it. They cant do anything except register a CCJ. And even if they did so, if you have advised them previously that you no longer reside in the UK, then it would be easy to get the CCJ set aside. They wouldnt be able to restart the claim either as you arent resident in England or Wales.

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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