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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Motormile recording PDL defaults as MAIL ORDER accounts

drob

By drob
in Motormile Finance UK Ltd/Lantern

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renegadeimp

renegadeimp

Posted
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Then demand they prove it. They are the ones chasing you, its up to them to prove the debt exists and its yours.

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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drob

drob

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Re: Default

 

I have just noticed that my credit report states:

 

Account Date Start: 08/05/2009

Date of Default: 29/05/2009

 

If as MMF claim that this was a payday loan debt then the loan would have been repayable in, for example 1 month, however the period between the account start date and the default date is only 21 days

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
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Re: Default

 

I have just noticed that my credit report states:

 

Account Date Start: 08/05/2009

Date of Default: 29/05/2009

 

If as MMF claim that this was a payday loan debt then the loan would have been repayable in, for example 1 month, however the period between the account start date and the default date is only 21 days

 

 

As MMF have not supplied an agreement the debt cannot be enforced via the courts.

 

 

You could inform Mr Neil Petty the MD at MMF of this fact or just ignore MMFs threats.

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fkofilee

fkofilee

Posted
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As MMF have not supplied an agreement the debt cannot be enforced via the courts.

 

 

You could inform Mr Neil Petty the MD at MMF of this fact or just ignore MMFs threats.

 

Brigadier is right here. However they can try and still start court action.

As for you default date, i bet that was your wage day because it wasn't paid they defaulted it there and then.

In my opinion, chasing after DCAs is a waste of time but with MMF, you need to get them to show their hand. Demand to see the Consumer Credit Agreement and not one of their "Verification Notices"

 

We could do with some help from you.

 

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drob

drob

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I emailed MMF yesterday requesting them to provide evidence of my liability and I have just received a reply ..

 

Dear drob

 

Good afternoon.

 

Please find attached a copy of your CCA.

 

This is signed by yourself. Pounds Till Payday have confirmed the bank account was in your name. As were the previous 30 loans, obtained.

 

As previously stated, if you believe somebody has taken out 31 loans in your name, paid back 30 of them and failed to pay back the 31st all without you knowing then I urge you to contact the police and obtain a crime reference number as I believe your personal information may be at jeopardy.

 

As far as we are concerned we have proven this debt to be yours. I do not feel we have acted in an irresponsible and unprofessional way. If you choose to contact the FOS or the FCA then I shall eagerly await their correspondence

 

Regards

drob

 

I have attached the CCA and blanked out my personal details and hand on my heart I can not recall ever taking out a Payday loan with Pounds till Payday.

 

I have also noticed in the reply from MMf that they quote "Pounds Till Payday have confirmed the bank account was in your name. As were the previous 30 loans, obtained" where on earth have they got this information from? I have NOT had 30 loans!!!

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drob

drob

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Wait , you havent told us how much is owing... and 31 loans?????

WOW!

 

YES 31 loans!!!! where have they magically produce this statistic from? I know 'Dynamo' has just finished his last TV series, i wonder if he is now working for MMF?

 

MMF are claiming that the current balance is £513.93

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fkofilee

fkofilee

Posted
Posted

Is the bank account they are referring to in your name?

Get them to provide a full list of the 31 loan's payment dates to the account in question

 

We could do with some help from you.

 

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

 

**Fko-Filee**

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drob

drob

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Is the bank account they are referring to in your name?

Get them to provide a full list of the 31 loan's payment dates to the account in question

 

MMF haven't supplied any bank account information that they are referring to ...

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fkofilee

fkofilee

Posted
Posted

Hmmmm... Ive never ever suggested this before however, I think you need to SAR P2P...

Something smells royally. Also request the information from MMF about the bank account it was paid into

 

We could do with some help from you.

 

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

 

**Fko-Filee**

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drob

drob

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Hmmmm... Ive never ever suggested this before however, I think you need to SAR P2P...

Something smells royally. Also request the information from MMF about the bank account it was paid into

 

Yes, something does smell ..

 

I think sending a SAR to Pounds till Payday will be a waste of time as their address is Sliema, Malta.

 

I am bemused, bewildered and angry at the response from MMF stating ""Pounds Till Payday have confirmed the bank account was in your name. as were the previous 30 loans, obtained"

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Yes, something does smell ..

 

I think sending a SAR to Pounds till Payday will be a waste of time as their address is Sliema, Malta.

 

I am bemused, bewildered and angry at the response from MMF stating ""Pounds Till Payday have confirmed the bank account was in your name. as were the previous 30 loans, obtained"

 

 

Unless MMF disclose the bank account details you cannot confirm or deny liability.

 

 

So tell Mr Neil Petty's bunch of bandits that their " proof" i.e. third party unconfirmed minimal account data is totally rejected.

Without full details of the alleged "account" you consider the matter closed.

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!

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drob

drob

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Unless MMF disclose the bank account details you cannot confirm or deny liability.

 

 

So tell Mr Neil Petty's bunch of bandits that their " proof" i.e. third party unconfirmed minimal account data is totally rejected.

Without full details of the alleged "account" you consider the matter closed.

 

I will send a letter on to MMF on Monday .... thanks Brigadier

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citizenB

citizenB

Posted
Posted

Have you sent them a Subject Access Request, drob.. the bank details should be on something.. !

 

I think you do need to make a complaint to the FOS and FCA about this..it is very scary.

 

I would be wanting some compensation for the CRA recording as well.

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drob

drob

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Have you sent them a Subject Access Request, drob.. the bank details should be on something.. !

 

I think you do need to make a complaint to the FOS and FCA about this..it is very scary.

 

I would be wanting some compensation for the CRA recording as well.

 

Hi citizenB

 

I think sending a SAR to Pounds till Payday will be a waste of time and money as their address is Sliema, Malta.

 

I have dealt with various DCA's over the years and NONE have made any references to bank accounts & how many loans I may or may not had, something is NOT right!

 

Pounds till Payday have never recorded any information on my credit files, however as soon as MMF purchased the alleged account they started to record data to the CRA's.

 

a) The Account Date Start is 08/05/2009

b) The duration of the alleged loan was 29 days however it was due for repayment on 29/05/2009 so that's 21 days and not 29 days

b) The default was issued on the due date for repayment 29/05/2009 (This would not allow me 14 days to rectify the default)

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citizenB

citizenB

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I think sending a SARlink3.gif to Pounds till Payday will be a waste of time and money as their address is Sliema, Malta

 

Are they not obliged to have a UK address ?

 

Yes, for sure I can see there is something decidedly dodgy going on - I really don't know what else to suggest. Other than to insist that until they provide you with the bank details that were supposedly used for these loans and also that until they do, they should stop reporting to the credit files.

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

Uploading documents to CAG ** Instructions **

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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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drob

drob

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Are they not obliged to have a UK address ?

 

Yes, for sure I can see there is something decidedly dodgy going on - I really don't know what else to suggest. Other than to insist that until they provide you with the bank details that were supposedly used for these loans and also that until they do, they should stop reporting to the credit files.

 

I have had a good look on the PTP website ant the only address I can find is.

 

PoundsTillPayday.co.uk is a trading name of Northway Financial Corporation Limited. Northway Financial Corporation Limited is regulated by the Malta Financial Services Authority.

Northway Financial Corporation Limited

PoundsTillPayday.co.uk

Level 5 Plaza Commercial Centre

Bisazza Street

Sliema SLM 1640 Malta

 

Is iData Protection Act 1998 - Section 10 applicable to MMF (If a DCA is chasing you for a debt and they have no paperwork, then they have no right to process your data)?

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citizenB

citizenB

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I would think so, drob.

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

Uploading documents to CAG ** Instructions **

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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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drob

drob

Posted
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Pounds Till Payday have confirmed the bank account was in your name. As were the previous 30 loans, obtained.

 

If this fact is true (which it is not) it would be interesting to find out if the alleged 30 loans were obtained from PTP or other lenders. Either way the allegation is absurd as it would indicate that I have had 30 Payday loans

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Pounds Till Payday have confirmed the bank account was in your name. As were the previous 30 loans, obtained.

 

If this fact is true (which it is not) it would be interesting to find out if the alleged 30 loans were obtained from PTP or other lenders. Either way the allegation is absurd as it would indicate that I have had 30 Payday loans

 

 

Sound "made up" to me.

A SAR to PTP could produce the information, OR as has happened before the loan provider will " not recognise" your ID and will not supply any info because of the DPA.

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!

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drob

drob

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Sound "made up" to me.

A SAR to PTP could produce the information, OR as has happened before the loan provider will " not recognise" your ID and will not supply any info because of the DPA.

 

The only address I can find for PTP on their website is in Malta so i think sending a SAR will be a waste of time & £10

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BRIGADIER2JCS

BRIGADIER2JCS

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The only address I can find for PTP on their website is in Malta so i think sending a SAR will be a waste of time & £10

I'll see what I can find drob.

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!

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Thank you

I have just had a word with a colleague who deals with PDL debt problems as part of her job, she tells me that PTP has responded to SARs when sent to the Malta address.

 

 

A little more, she has asked me if your loan was applied for via a broker/agent or direct from PTP?

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!

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fkofilee

fkofilee

Posted
Posted

I was about to say;

 

Northway Financial Corporation Limited

PoundsTillPayday.co.uk

Level 5 Plaza Commercial Centre

Bisazza Street

Sliema SLM 1640 Malta

 

 

That's the only thing I could find. And they would still have to comply because they operate in the UK.

 

As Brig will probably say, SAR them.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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