Jump to content


  • Tweets

  • Posts

    • 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.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Motormile recording PDL defaults as MAIL ORDER accounts


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3547 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 144
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

If i were in your shoes, i would ignore them completely. Do they have any addresses for you in the UK, or have they been communicating solely by email?

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

Link to post
Share on other sites

as far as im aware, no post. or if there was my parents will have returned it back to them. I just got another email, subject County Court Action and message saying you have chosen not to contact MMF your account is being assesed for legal action.

 

Not sure what to do now, really dont want the CCJ. I still think im on the electoral role though, even though i live abroad as ive only been away a year or so. And a year before that, but was on no visa's as i was living in egypt.

 

Shall i email them a copy of my visa here? stating im a resident of UAE? although as its a new company ive just joined its only dated back to last monh.

 

Really starting to worry now, these guys are animals :(

Link to post
Share on other sites

Could send them a letter stating that you live abroad. This would pretty much screw them out of getting a ccj

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

Link to post
Share on other sites

How is this?

 

Dear Motor Mile Finance,

 

This is an old account, of which I have only just opened. I have received no formal letters to my previous address whilst in UK, and nothing on my old phone line.

 

I am very surprised to have seen all of your messages.

 

Please be aware, I am not longer a British resident, and I have been living abroad for the last 2 years.

 

I am now a resident of United Arab Emirates - Dubai.

 

Any outstanding payment I may have unforeseen whilst away, I will settle direct with the company.

 

If you need copies of my UAE Residency/work contracts/apartment contract please let me know.

 

Warm regards,

 

Gina.

Link to post
Share on other sites

Don't tell them where you are now resident as that may cause a lot of problems for you, debt is a criminal offence in the UAE (as far as I know - could be wrong here).

 

You should NOT offer them proof of where you are resident, they should offer you proof of where the debt originates from and positive proof that it was paid into a bank account which belonged to you.

 

BrigaderJCS is the person to write a letter or email for you - I would hold on until he chips in otherwise there could be an unwanted knock on effect.

Link to post
Share on other sites

Oh crap i already replied.Yes debt is criminal in UAE but only for UAE debts. They may not even read it. apparantly they dont as it was sent from the main email address.

 

Dear Motor Mile Finance,

 

This is an old account, of which I have only just opened. I have received no formal letters to my previous UK address, and nothing on my old phone line.

 

I am very surprised to have seen all of your messages.

 

Please be aware, I am not longer a British resident, and I have been living abroad for the last 2 years.

 

I am now a resident of United Arab Emirates - Dubai, previously a resident of Egypt.

 

Any outstanding payment I may have unforeseen whilst away, I will settle direct with the company.

 

If you need copies of my UAE Residency/work contracts/apartment contract please let me know.

 

Warm regards,

 

Gina.

Link to post
Share on other sites

According to http://www.companiesintheuk.co.uk/ MMF's address might be a Mail Forwarding Service as 523 other companies share the same address.

 

I wonder if this is the reason that MMF take so long to reply to letters that are sent to them or do MMF operate a Mail Forwarding Service as a side line?

Link to post
Share on other sites

It is my understanding that Companies House require them to have their Registered/Head office address on their letter headings and Website.

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

Link to post
Share on other sites

THESE GUYS ARE IDIOTS! Even though i replied (shown above), they sent me this email - can someone please please draft me an email i can send back, with a direct email address, stating that i did reply and im no longer living in the UK etc. Please.

 

Despite attempting to contact you on numerous occasions we have, as yet, not received a response and are now reviewing this case for further action.

 

We are considering whether to sanction a visit by one of our Field Agents to your property, with a view to discussing this matter in person and reaching an mutually beneficial repayment arrangement.

 

Alternatively we may decide to pass this account to our in-house solicitor with a view to issuing a claim against you in your local court.

 

We must advise you that should any legal claim prove successful the balance of the debt will be increased to include any legal fees and court cost we incur and that your name will be entered in the Register of Judgements, Orders and Fines.

 

We would also look to enforce any successful judgement granted, by way of an Attachment of Earnings (AOE) order (wh ere applicable). This may result in your employer being contacted by your local County Court.

 

This email should be taken as formal notice that we have attempted to agree a mutually acceptable appointment and have been unable to do so through your lack of response. This fact will be later relied upon at court on the question of legal costs, should legal action prove necessary.

 

Yours faithfully,

 

MotorMile Finance UK Ltd.

Link to post
Share on other sites

Just tell them to bugger off as they are clearly inept and cannot understand english. Theres nothing they can do to 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

Link to post
Share on other sites

This email should be taken as formal notice that we have attempted to agree a mutually acceptable appointment and have been unable to do so through your lack of response. This fact will be later relied upon at court on the question of legal costs, should legal action prove necessary.

 

That is funny as all hell. They just havent got a clue.

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

Link to post
Share on other sites

okay how is this for a response -

 

Dear MotorMile,

 

Please be aware i did in fact contact you on the 15th August.

 

All corrospondance has been kept on my side and is now with the OFT.

 

As I explained to you previously, I am not a UK resident. I have been living abroad now for 2 years. And any forgotten payments in this time, I am settling DIRECT.

 

You have no right to "turn up on my doorstep" without an appointment being booked with myself. So by "considering" this you are wasting your time.

 

A CCJ will not be issued, as I explained, I am no longer a UK resident.

 

Any address you have for me is old, as like i said, I am no longer a UK resident.

 

I have recieved no phone calls, or post. Therefore office notice has not been given, as an email is official.

 

Before you send any more mails, please check first that your client has actually replied or not. This is a huge waste of time on your side, and totally against OFT standards.

 

Like I said, within the week the debt will be settled DIRECT, so i hope not to see any more emails from you.

 

Warm Regards,

 

Gina

Link to post
Share on other sites

To be completely honest, i would stop playing letter tennis and issue a simple formal complaint to Robert Sands who is their complaince officer. Then simply ignore them.

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

Link to post
Share on other sites

Send it by recorded delivery. Not email. MMF completely ignore pretty much all emails.

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

Link to post
Share on other sites

  • 1 year later...

Motormile - Pounds til Payday - Doorstep Collection

 

Motormile have purchased an alleged debt from Pounds til Payday. The alleged debt was from 2009 and I have genuinely no recollection of the alleged debt. I wrote to MMF and asked for proof of my liability to the alleged debt and request that they do not send a doorstep collector to my home address.

 

 

I have today received a response from MMF ....

 

Dear drob

 

a) Please find enclosed a copy of the loan agreement with Pounds til Payday (NO agreement was enclosed)

 

b) In your relation to your revocation of the doorstep licence regarding our intention to send an agent to your home to discuss the debt.

 

YOU are not correct in your assertion that , under FCA rules (or OFT rules - be advised they are no longer our regulator), 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 visit.

 

When you took out this loan, you impliedly agreed that the creditor could communicate with you to discuss payment. You do not have the contractual right to revoke that agreement until the loan has been replied. Yet you have frustrated our attempts to discuss the matter either by letter or telephone.

 

Regards

MMF

 

Can anyone offer any advice as to a response to MMF?

Link to post
Share on other sites

afaik, there would be no contractual licence (even implied), that circumvents the law of trespass? and, in any event, any such a contractual licence wld ordinarily need to be express. and for eg be re the recovery of specific goods supplied re a commercial contract.

yes, they can communicate with you, in writing. :)

see what others say though.

Link to post
Share on other sites

Ignore it and report it so the FCA can add it to their ever growing evidence list.

 

It is a standard letter from MMF that breaches their credit licence. The FCA are well aware of 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

:D

Link to post
Share on other sites

Pounds Till Payday have never recorded a default regarding the alleged account, however I have checked my credit file this morning and MMF have added a default dated May 2009.

 

MMF claim that they have purchased the alleged account, however I have never received anything from Pounds till Payday regarding the notice of assignment.

 

MMF have stated "When you took out this loan, you impliedly agreed that the creditor could communicate with you to discuss payment. You do not have the contractual right to revoke that agreement until the loan has been replied" If I had taken out any loan with Pounds till Payday then any agreement would have been between myself and them. If a default had been issued by Pounds till Payday then wouldn't the agreement had been terminated and that NO contract between myself and MMF would exist?

Link to post
Share on other sites

If MMF bought the debt then they purchased all rights and obligations to that account. Please don't get drawn into any freeman arguments regarding sales of accounts/contracts etc.

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

Link to post
Share on other sites

If MMF bought the debt then they purchased all rights and obligations to that account. Please don't get drawn into any freeman arguments regarding sales of accounts/contracts etc.

 

Maybe I am jumping too far ahead, MMF stll haven'r proved the alleged account belongs to me

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...