Motormile recording PDL defaults as MAIL ORDER accounts

[renegadeimp]

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

[drob]

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

[BRIGADIER2JCS]

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.

[fkofilee]

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"

[drob]

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!!!

[fkofilee]

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

WOW!

[drob]

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

[fkofilee]

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

[drob]

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 ...

[fkofilee]

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

[drob]

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"

[BRIGADIER2JCS]

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.

[drob]

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

[citizenB]

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.

[drob]

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)

[citizenB]

I think sending a SAR 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.

[drob]

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)?

[citizenB]

I would think so, drob.

[drob]

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

[BRIGADIER2JCS]

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.

[drob]

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

[BRIGADIER2JCS]

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.

[drob]

I'll see what I can find drob.

 

Thank you

[BRIGADIER2JCS]

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?

[fkofilee]

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.