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    • County court name of which your submitting the N349...which would be your local county court ...your the litigant.   What do I have to do to apply for an order? You must complete form N349 (Application for a third party debt order). You can obtain a copy of the form from hmctsformfinder.justice.gov.uk If your claim is a Part 7 money only claim and was issued in the County Court Business Centre (CCBC) or County Court Money Claims Centre (CCMCC) you should, make your application to the court which covers the defendant’s home address. You can find this online at courttribunalfinder.service.gov.uk   Speak to your LCC for details of payment.   https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/726426/ex325-eng.pdf   https://www.gov.uk/government/publications/form-n349-application-for-third-party-debt-order   Andy
    • Hospital car parks are no place to employ sharks, at least in Wales Hospital parking is free, and PPCs verboten.
    • Update:   A couple of weeks further along, and the charge has now been cancelled. In that regard alone the outcome is acceptable.   In the interim ...  There have been additional demands from CPP/PE in the most glorious and laughable obfuscated prose/legalese I have pressured PALS I have chased past correspondence I have contacted other Execs I have involved my MP who has now acted I had primed the local newspaper who was planning a piece this week   However ...   - PALS didn't respond until I complained in person after almost 2 silent weeks; then promised to help and a couple of days after that advised that the Hosp had said thye had no authority over the Parking Co. I told them the hosp had told them wrong, explained why and pressed them to go back ... since when I have heard nothing despite chasing them. - UHCW Trust Estates & Facilities Dir. is yet to respond, though contact was *only* a week ago. - UHCW CEO/Chief Administrator has never acknowledged/replied-to any of my letters/chases. - UHCW CEO/Chief Admin reacted immediately to MP letter however by passing it and my correspondence to Estates and Facilities Dir to deal with, who in turn replied to MP with cancellation, who yesterday copied that to me for confirmation received this morning.   Passing thoughts ...   - People who could/should have been dealing with it for the injured party elected not to. - PALS has good intentions but is useless if they don't have a leaflet on it - will follow the Hosp line on everything else without questioning their words. - The Trust's Administration is not approach-friendly, in this instance stating "... car parking managed by a Private Finance Initiative Service Provider"  and that therefore  ".. Trust has no power ...  in the processes applied by CPP .." Oh, really?!  - Trust accepted CPP's word that the equip't was not faulty as claimed, not the rather more reliable word of a visitor having been put to considerable inconvenience at 5 a.m.and who went to some length with staff to deal with it instead of buggering off home. - CPP "have agreed (to cancel) as a gesture of good will." WHAT?! THEIR good will? THEY are willing to let MY failings pass and kindly make allowances? Couldn't be more self-delusionarily wrong!   Sadly, I can guarantee that what is actually important in all of this will not get any attention   - providing an alternative payment method for patients/visitors for when the equipment malfunctions ... at any time not just the wee-hours ...  and tell staff ...  and put notices up. - UHCW taking any notice of their culpability in CPP's unlawful breaching of GDPR in accessing keeper details now that it has been brought to their attention. Head In Sand.       All of this comes of course from pulling-up the drawbridge and deny, deny, deny. It is the knee-jerk response of almost all large organisations, but one for which there should be no place in a Hospital Trust that should strongly want to distance itself from uncaring attitudes and irresponsible practises.   Anyway ...   Anyone finding this because of a similar issue of their own, my strongest advice is to heed the advice given to you on this forum - it put me straight on to the right path and got rid of some nervous uncertainties which makes all the difference to peace of mind, something that CPP relies on to add pressure for those who aren't aware of what's what.   My thanks again to all who kindly helped.            
    • At the investigation yes, they are seeing if they can build a case.   Like the police interview you before deciding if you are going to be charged. Not everyone is charged as some people have done nothing wrong!   If you tell people what the investigation is about before they go in, a proportion will use that knowledge to prepare really good lies. That's why companies don't do it.   I would have a read up on the ACAS site of guidelines for both investigations and disciplinaries.    https://www.acas.org.uk/index.aspx?articleid=1874
    • So they've back-tracked on their original statement that his insurance has been voided. If it's not been voided and was in force at the time of the accident there is no role for MIB. MIB gets involved if a driver was uninsured at the time of the accident, but 1st Central are now telling you he was insured. In the response you have had from MIB that is what they say, he was not uninsured. Whoever it was who told you that the policy had been voided was, by the sound of it, telling you something that simply wasn't true.   I've never heard of 1st Central but from their website it's clear they are an insurance broker not the actual insurance company https://www.1stcentralinsurance.com/who-we-are  As a broker they are acting for their client, the driver, and have no duty to be impartial in considering whose fault it was.   So looks like you have no option now other than to start a small claims court action against the driver.
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obiter dictum

letter from Motor Mile Finance

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1600 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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I have been contacted by a debt collecting company called Motor Mile Finance. I received a rather threatening letter from their solicitor called Neal Chatrath which I was not happy with. It was a carefully worded letter to cause maximum distress.

 

From reading postings on this company, I realised the threats were hollow. I sent this solicitor Neal Chatrath a suitable response and placed the account into official dispute. This alleged debt is in reference to a payday loan taken out in 2009. On checking my credit file Motor Mile Finance have defaulted this account 1/12/2012.

 

I have never taken out a payday loan.

 

Today I received a response from a Mr Barry Ellarshaw saying this account has been placed on hold and to expect a response within 4 weeks.

 

I am enclosing a copy of the first page of their complaints procedure enclosed with the letter from Barry Ellershaw for consideration

 

 

[ATTACH=CONFIG]48304[/ATTACH]

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Send the prove it letter too

 

usual empty threats from pretend solicitors.

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Place the debt in dispute, and address all correspondance to Rob sands complaince officer. Everything else will either go ignored, be replied with a bunch of whitewash, or theyll send more threats.


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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moved to the mmf forum

 

plenty to read here

 

dx


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Single Premium PPI Q&A Read Here

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Use the letter as Tissue paper for when you sneeze ^__^ :)

When i spoke to Barry he wasnt just Customer Relations Manager, He also did compliance now.

 

Im just wondering hoe big and how many staff this outfit has...

On your credit file does it show a default with MMF? You mentioned about your credit file.

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Send the prove it letter too

 

usual empty threats from pretend solicitors.

 

Chatrath is a qualified and properly registered solicitor wholly employed by MMF and they are indeed starting to use the courts.


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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I have been doing some digging on these payday loans from forum members. For the record i have never taken one out. My question is on Default notices.

 

It appears no default notice will be needed on a payday loan as they have to be paid back after 30 days. In my case, this fraud took place in 2009, yet the default registered with the credit agencies december 2012. That is three years after the account was closed.

 

Confused.com

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It has been stated that these are only thirty day loans, they terminate after 30 days so no credit agreement is left to default.

 

The default date registered with the credit agencies and start of this loan are correct

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It is correct a formal demand for payment which if not met results in the account being defaulted.

 

If the 'fraudulent' account was just closed as often happens in this sort of situation without being defaulted immediately the PDL will default immediately prior to selling the debt.

 

The way forward in the situation of a 'fraudulent' account is a formal complaint to the data controller at the PDL demanding that the entry be removed.


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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Since this solicitor

Neal Chatrath

stated he has passed my official complaint onto their complaints Dept ( Barry Ellershaw) six weeks ago,

 

i have received no response.

 

I did receive a notification from experian about the addition of deleation of an account by MMF.

 

There has been nothing previous on my credit file from MMF, and still nothing

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MMF have probably vanished their.... threatogram machine, as soon as a threat to their authority is seen all goes quiet let sleeping rats lay.


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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I have just received a letter from Mr Barry Ellershaw.

 

He has stated that if i consider this to be ID fraud then i need to get a crime reference number,

and send in a copy of my bank statement .

 

He then goes on about making a payment arrangement to clear this debt

 

What is even more shocking is that he has sent a put together credit agreement which is so bad my 8 year old son can do better.

it is stated as an electronically signed agreement.

 

Barry Ellershaw states in his opening paragraph that the loan was from june 2009 and purchased june 2012,

yet the agreement from them is dated october 2008.

 

I have stated that this is nothing to do with me yet they still send this so called credit agreement

 

You cannot make this up it is so preposterous

 

How are these cowboys allowed to continue to operate with their blatant disregard for the law

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Sounds typical MMF stupidity!! Try the following.

 

 

Private & Confidential

 

 

Mr Rob Sands

Director of Compliance

MMF Ltd

 

 

Date:

 

 

Ref: use theirs:

 

 

 

 

Dear Mr Sands,

 

 

I refer to a letter from Barry Ellershaw dated xx.xx.xxxx (copy enclosed for clarity), Mr Elllershaw clearly states the account relating to this alleged debt was opened in JUNE 2009.

 

 

The childish attempt a producing a " reconstituted" agreement is dated OCTOBER 2008 as this is clearly a fabrication the "reconstituted " agreement is totally refuted and it does not satisfy my request made under sections 77/78 of CCA 1974.

 

 

I am sending a copy of Mr Ellershaws letter and the alleged agreement to the OFT/FCA with a formal complaint regarding the conduct of MMF Ltd.

 

 

I do not acknowledge any debt to MMF Ltd., and I know consider the matter closed.

 

 

Send by recorded signed for post.


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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Succinct and straight to the point

 

Thank you

Happy to help.


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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I am completely baffled as to why MMF are getting away with all this, they must know they have a very sour lemon of an alleged debt portfolio.

 

My main problem from my bad PDL days is now phone calls from another company - but they have been reported to the OFT, FOS, ICO etc and I am waiting replies from those organisations.

 

The whole PDL debt collecting side of the so-called industry seems to be as poor as the business practices in general - but luckily sites like this exist to inform people of their rights, rather than the 'implied rights' the DCAs seem to think they have.

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Theyre already under investigation. Sadly though, people rarely complain. I still really hope they pick up my sb debts though. Theyre with arrow/restons atm and theyre not doing much.


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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Well it has been 12 months and Motormile have started their thetograms again. It went straight into my spam box for some reason

 

 

Not only is this not my debt by all accounts, it is from 2007 and statute barred anyway

 

 

I will let them continue into my spam box and ignore for the time being

 

 

 

 

 

 

Dear Mr xxx xxxx

 

Our Ref: xxxx xxx

 

Original Creditor: Think Finance (UK) Ltd t/a 1 MONTH LOAN (debt assigned to Motormile Finance UK Ltd)

 

Original Outstanding Balance: £570

 

New Outstanding Balance: £525

 

We write to advise that in an effort to ensure that your account has a fair and reasonable balance, we have voluntarily reduced the amount outstanding to £525

 

If you wish to discuss this reduction or speak to a Customer Service Representative, then please call us on 0113 887 6876. Alternatively, you can arrange a call back or discuss the matter generally by emailing us on customerservice@mmile.com

 

If you are already in an instalment plan, your repayment will remain the same. However, if you wish to repay this account, or vary your existing arrangement, then one of our representatives will gladly discuss this with you in order to agree a reasonable and affordable plan that suits your needs.

 

Yours sincerely

 

Motormile Finance UK Ltd

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