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    • yes only court...   can I confirm this was settled via Barclaycard and chargeback as it was a debit card, rather than section 75 via a creditcard?  
    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
    • Most guarantees are not transferable anyway to the new owner so why a solicitor should request it is pointless.The quotes should suffice to prove the work was carried out.   Andy
    • Apologies for the prolonged radio silence!   To cut a very long story short, I went back to Barclaycard (because I bought the car with my VISA card) and they offered to repair the car at a cost of £2500.   We accepted the offer because we were advised that even if we went to court and won the case, there was no guarantee that the dealer would give us our money back anyway or would end up paying us £10 a week for the next umpteen years.   The decision to have the car repaired was also made in the light of the fact that apart from the gearbox issue the rest of the car was in good nick. It is running fine after nearly 4 months now, so even if our friend gets a few more years out of it it will have been worth it.   Now that it is all settled I can reveal the name of the dealer - it was Thatcham Motor Company, in Thatcham, Berks. Very pleasant to deal with at first whilst everything was ok but boy oh boy, beware if anything goes wrong!   Similarly Momentum Warranties who provided the 6 months "warranty". On paper this warranty apparently covers practically every conceivable fault that the car might develop until you try to make a claim!   It seems that only if a component physically breaks that any cover is provided, otherwise they will hide behind the "fair wear and tear" get-out clause. Can an ECU unit be subject to wear and tear?   I would not touch either of these outfits again with the proverbial barge pole. Buyer beware!   One further thing I forgot to mention. We ran up considerable expenses trying to sort all the issues - the engineer's reports, travel costs etc.   Is it too late to try to claim these back from the dealer now? I just ran out of energy by the time Barclaycard agreed to pay for the repair but now the dust has settled I am up for it again!   Would this have to be done via the Small Claims Court?
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Tomo1987

Motormile Finance Legal Threats: Please help?

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Rob sands must have something to do with this. Mucky hall used to do a similar thing and since Mr sands left, theyve gone pretty quiet, or should i say, more quiet than they used to be, while MMF have increased. Also, if he doesnt have anything to do with it, then he's a very VERY poor compliance director.


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..

 

 

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Hellix contacted me by telephone again today, unlike with MMF and the previous companies I have been dealing with, upon hanging up they simply call again and leave a message. This message was utterly scandalous, it told me I had been booked in for a home visit and it even quoted the names of the other people who live in my house and for me to inform them. I wasn't having this and despite there already being a letter winging it's way to Hellix today I called them back and told them my situation and that I was explicitly unhappy with these threats, briefly explained my situation and told them I'd contacted them by post.

 

The man I spoke to was quite rude and aggressive to begin with but when met with my situation and my legal knowledge he started to twist and turn. He admitted that they were a 'sister company' of MMF and worked under the umbrella company, OPOS Limited, who they purchase the debt off. He couldn't tell me anything about the debt other than it's from a company called Minicredit and in the end he suggested I contacted OPOS, he gave me a telephone number and an address.

 

I've contacted them where I spoke to a woman who got more and more nervous as the conversation went on, she couldn't provide me with any more information either and when I requested the address and the name of the accounts manager she had to go and get another member of staff to check the spelling of the name.:| The more this conversation went on the clearer their lies and illicit behaviour became, I'm not convinced the person I have written too even exists and the moment I started to dispute the debt with a plausible story both Hellix and OPOS, but especially OPOS, became quite nervous and started to try and kick communication back to the other company.

 

Given upon researching both of these companies online and people's experiences seem to be that they are nasty, threatening anything-goes bully-boys, I found that if you are certain of your side of events and your legal rights that they start to panic and very quickly back down. Hellix have also broken OFT guidelines where fair practices are concerned as they have imitated legal standing to attempt to mislead of confuse an alleged debtor. The message is from a man claiming to be a debt enforcer who will be visiting my address and I am to inform the other people living here, the man I actually spoke too says this person is an adviser and can book me in for a home visit (which we all know probably won't happen). They've also sent me a letter which makes legal threats they couldn't possibly follow through on. I should also add the umbrella company OPOS have never contacted me. Isn't it quite odd that this is where the debt was supposedly purchased from because presumably that company couldn't reach a settlement with me, yet I have never received any communication from that company? First I've heard of them occurred today when I spoke to Hellix.:!:

 

What it seems is that these companies who are all presumably joint-owned, or at least in partnership, kick old and fraudulent debts between one another, use different approaches and tactics and do most of their business by phone in order to just try and get someone at the address and phone number they have to make a payment. All the many months and all the threats under the sun and I am yet to receive one of the following three things:

 

- Written proof of the debt including the full balance and breakdown, the account details and proof of the transaction and contract

- A visit from these so-called doorstep collectors.

- A CCJ or any other actual legal action against my name

 

I can't understand why, if this debt was genuine and they had fail-proof evidence, they haven't just taken me to court. They'd win, right? And I'd end up paying. I've never encountered such dodgy business practices in my life, their websites are a joke too, half of the services they claim to offer are unlawful and who would go to a backwater company like this when you could employ a reputable solicitor? But then I've probably answered my own question there, backwater companies!

Edited by Tomo1987

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Rob sands must have something to do with this. Mucky hall used to do a similar thing and since Mr sands left, theyve gone pretty quiet, or should i say, more quiet than they used to be, while MMF have increased. Also, if he doesnt have anything to do with it, then he's a very VERY poor compliance director.

 

What's the betting Mucky Hall, MMF, Hellix, Capquest and OPOS are all one of the same company? And the actual name of the company isn't any one of those five?

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What's the betting Mucky Hall, MMF, Hellix, Capquest and OPOS are all one of the same company? And the actual name of the company isn't any one of those five?

Research before supposition!!


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Tommo Please edit in paragraphs the post in one block is difficult to read.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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What's the betting Mucky Hall, MMF, Hellix, Capquest and OPOS are all one of the same company? And the actual name of the company isn't any one of those five?

 

Thats too far fetched to be anywhere near the truth. Even for a conspiracy theory.


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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Thats too far fetched to be anywhere near the truth. Even for a conspiracy theory.

 

Why is it? Most PDL companies are owned by the same umbrella companies. You think DCAs who operate on their behalf wouldn't be the same? You'll note these pond-life DCAs rarely operate on behalf of national banks or reputable loan companies...

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Because we know a LOT about the backgrounds of most of the DCA's and sub companies. We even had various media and official investigations through government agencies into them. Lets just say we know how most of them are connected and yours.... arent.


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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Because we know a LOT about the backgrounds of most of the DCA's and sub companies. We even had various media and official investigations through government agencies into them. Lets just say we know how most of them are connected and yours.... arent.

 

Well that's interesting then because Hellix told me today that MMF are, and I quote, their "sister company." Also confirmed OPOS as their "umbrella company and MMF's." I'm quite happy for this to be a lie also. Nothing would remotely surprise me.

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Did they tell you in writing or by phone? DCA's will say anything on the phone as they dont care. The reps are simply told " heres the number, and info. Call them and do whatever it takes to get money from them". Now, if its in writing, thats a whole other ballgame.


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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Did they tell you in writing or by phone? DCA's will say anything on the phone as they dont care. The reps are simply told " heres the number, and info. Call them and do whatever it takes to get money from them". Now, if its in writing, thats a whole other ballgame.

 

Was over the phone unsurprisingly. Contact by any of these companies via letter is, shall we say, limited.

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Its limited for a reason. They are told to say anything to get a debtor to submit. They wont put anything in writing, and even if you record a call, they are known to try and say that it was a cleaner or an intern that wasnt authorised to make the call.


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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Its limited for a reason. They are told to say anything to get a debtor to submit. They wont put anything in writing, and even if you record a call, they are known to try and say that it was a cleaner or an intern that wasnt authorised to make the call.

 

Well thanks for that information, it opens my eyes to a whole new world of deceitfulness on top of the one I already knew exist. This is why I keep telling them I will only discuss matters with them in writing so that I have a record of everything sent. I won't deviate from this path, no matter how hard they try.

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And thats the way CAG recommends. it also creates a full paper trail as is your right when you are dealing with financial issues. It also stops the company trying to say they never agreed to something when you have it in writing that they did. if they refuse to put it in writing, then you know theyre pulling a fast one.


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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And thats the way CAG recommends. it also creates a full paper trail as is your right when you are dealing with financial issues. It also stops the company trying to say they never agreed to something when you have it in writing that they did. if they refuse to put it in writing, then you know theyre pulling a fast one.

 

These are precisely the reasons I am doing it. I know there is a good to excellent chance that I will receive nothing back from them in writing, which plays perfectly into my hands.

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I think what is happening here is an old and quite common situation many creditors/debt purchasers and DCAs have business 'relationships' (partners in the loosest sense, e.g. the DWP refers to the DCAs they use as "private sector partners") we know that many debt purchasers use a specific DCA for collecting and managing debts I've seen these relationships quoted many times in the past.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Well another quiet day so far from MMF since my letter writing campaign it's been nearly a week since Mike has last threatened to drop by for a cup of tea and a punch in the face.

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Just a quick tip when dealing with Motor Mouth, NEVER NEVER pay them using a debit or credit card, past experience has taught me to use standing orders only for these clowns. I had set up a standing order with MMF sometime ago before I knew what they were like and at the same time I made a one off card payment for the same amount as the standing order, so as they put to keep the account up to date.

 

However when checking my bank statements I noticed regular debit card payments and standing orders to these cowboys, I contacted them and the phone muppet stated I had authorised a regular payment to be taken from my debit card...an MMF LIE and it was my responsibility to cancel any such further payments, yet another lie. They did not refund my debit card payments but adjusted my outstanding balance with the extra payments.

 

Only use standing orders for these jokers, that way you are fully in control of the amount that they receive and when they receive it.

 

Don't trust them and NEVER believe a word their phone advisers tell you.

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Never use a credit/debit card for ANY DCA. SO is the ONLY method of payment unless they supply giro slips. regarding the amounts they debited, you do realise you can get them charged back as they were unauthorised/potentially fraudulant transactions 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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When I informed my bank about the transactions I was given the classic brush off, they informed me that they could not do anything as MMF had my card details. I was a little green and wet behind the ears then. A harsh lesson, will never happen again.

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Your bank is completely wrong. Get back in touch and get those amounts charged back, unless you want nothing further to do with 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

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I think it would be too late now as it was early last year, I just wanted to let others know how devious this bunch of crooks are.

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You can also see three possible employee's outside the office door having a crafty fag , or , these could be Mikes fan club gathering for a daily dose of DoorStepping ..

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