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    • Thanks for the clear info. about how the estate and parking is organised.   Considering most letters drafted here are a load of abuse directed at the private parking companies, I thought the language was very restrained!  There's not an insult in there 🤣  More seriously, all the legal points in the letter are correct and I think it's good to go.  The agency "should" act and get the ticket withdrawn, but on the other hand they might well not have a clue about the law and refuse to cooperate, even if that would be worse for both you and them.  Still, it's only a stamp and nothing ventured ...   Do you know the history of the industry?  Once upon a time there was only one trade association, the BPA, with a half-decent appeals body POPLA, which often found in favour of the motorist.  This situation was unbearable for the more crooked of the PPCs like UKCPM who trotted off to a new rival association where the IPC association, its appeals body the IAS, and the firm of solicitors who most usually take on these cases ... are all run by the same people!  No conflict of interest there!  The IAS twist everything to always find in favour of the PPC.  The best analogy I can think of is the Mafia.  The Mafia no doubt have their own internal logic about oaths, what amount of protection money it is reasonable to demand, what you can to someone who cooperates with the police - none of which has any connection to the law of the country.  That's how the IAS operate.  Motorists who appeal just encourage the PPC by showing respect for their crooked "procedures", and are at risk of throwing their legal protection under the POFA away by outing themselves as the driver.   If you look in our PPC Successes thread at the top of the page (starting from the most recent cases), concentrating on cases that went to court, you'll see that in their Witness Statements the fleecers do indeed often say the motorist "should" have appealed.  I can't remember one case where the judge was the slightest bit interested in that argument.   It'll be somewhere in the POFA, Schedule 4.          
    • make sure your PDF is lees than 4.8Mb's.   why wont it upload what is the error?   dx  
    • Thanks for all the help, folks, in terms of whether to reply or allege harassment - well being harassed itself it is advised anyway not to respond to them in the first instance. So as Fruit Salad and DX says ignore until letter of claim and not confirm ID which is what I will do.   As I said I note it here as part of the timeline, and just keep records of it for later if necessary. Not intending to do anything with it just yet.  
    • The Financial Ombudsman Service [FOS] has finally come back to me with its thoughts on a long-standing complaint about mis-sold PPI.   The policy was sold to me in April 1997, which, as I appreciate, is before policies became regulated by the FCA on January 14, 2005.   The policy was sold to me by Cofidis which at the time of the sale was not covered by any of the schemes which were applicable before the FCA regulated the sale of PPI policies so the FOS has asserted that my complaint cannot be pursued there.   However, I was already aware of this and my complaint to the FOS was not against Cofidis but the company that provided the cover for the PPI policy, Chubb European Group SE / ACE Insurance S.A. [‘Chubb’] which, at the time of the sale, was covered by one of the schemes that existed before 14.01.05.   The FOS acknowledges this but has said: “There does not appear to have been any direct connection between Cofidis and Chubb at the time of the sale. So the only way Chubb would be responsible is if we can establish that Cofidis was acting as an agent of Chubb when selling the PPI.”   It is the above with which I struggle to agree, but would appreciate the thoughts of those with more expertise than me in these matters.   Firstly, it seems to me there was a direct connection between Cofidis and Chubb. I have supplied the FOS with a copy of the original terms & conditions of the policy [attached here], which is titled ‘Cofidis Limited Protection Plan’ and refers throughout to Chubb. Moreover, it also states that should you wish to cancel the cover at any time you must do so not by writing directly to Chubb but to Cofidis.   This being the case, it seems clear to me that, contrary to the FOS’s assertion, there was ‘a direct connection between Cofidis and Chubb at the time of the sale’ and, what is more, it is entirely conceivable that there was an agency relationship between the two.   The FOS goes on to make the point that it contacted Chubb which advised that it ‘did not have an agency relationship with Cofidis’. Of course, they would say that wouldn’t they! More to the point, when I complained to Chubb, contrary to what they subsequently told the FOS, they said: “Unfortunately, due to the passage of time we no longer hold any information to confirm the relationship between Cofidis Insurance and Chubb when the policy was sold.’   In these circumstances, it is my belief that as a member of the Association of British Insurers, Chubb had an obligation to act in accordance with ABI guidelines and take measures to ensure that any third party, such as Cofidis, selling PPI policies on its behalf did so in accordance with the industry codes of good practice.   Any thoughts gratefully received.   Thanks in anticipation Fred Funk   Cofidis Limited Protection Plan-1-merged_compressed (1).pdf
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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Hi, I wonder if somebody can help me with this. I took out a payday loan early last year, rolled it over once,n repaid it completely and thought nothing more of it. Back in October I started to get a barrage of calls, texts and letters from MMF claiming that I still owed money and the debt had been passed on to them. I got a lot of reassurance from this site and the sort of text/voicemail I was receiving was in line with what others on this forum have been getting so I was content to ignore them completely.

 

Today however I received the following email and a quick search of the forum hasn't revealed anything similar. Does anybody have any suggestions as to what I should do now? Should I keep ignoring them or start fighting back?

 

Thanks

 

Dear ***,

 

Reference: ***

Debt Balance: £424.50

Debt: Mr Lender Debt Assigned to Motormile Finance Uk Ltd

 

I am the Solicitor at MMF and have had your file passed to me, in relation to the outstanding balance on your account. I note that despite several attempts by my colleagues, this debt still remains unpaid.

 

Please be advised I have received instructions from the Directors of this company to pursue this matter through the courts to recover the outstanding balance. However, as a matter of courtesy, in order to save time and legal costs, I am writing to you to request that you make contact within the next 5 working days.

 

Could you therefore please make contact, without fail to come to an amicable arrangement, failing which I may have no alternative but to follow the legal route to recover the outstanding sums due. Please note that I am in a position to offer to you a significant reduction in the amount owed.

 

We therefore look forward to hearing from you shortly.

 

Kind regards,

 

 

Neal Chatrath

 

Solicitor

Motormile Finance UK Ltd (MMF)

 

Main: 0113 887 9888

Free Phone: 0800 996 1103

Web:

E-mail:

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Have you checked your credit file?

If not do so, and see if there is anything on there relating to this.

 

IMO I would continue to ignore, if you owe nothing then they will have a very hard job

getting you in court and ordering you to pay.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Did you send them a prove it letter? Chatrath is a solicitor, but he's just a muppet for hire, like the rest of 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

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So he;s threatening everything before he even knows that he;s found the right person, or even confirmed the email is valid? I feel a SRA complaint coming on.

Edited by renegadeimp

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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Personally i would ignore, and if he tried anything then you can report him. Especially as, like i said, he has no clue if that email is even in use.

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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Surely I'm not the only one entirely unconvinced by the format and content of these emails and letters from MMF's so-called solicitors? They sound like something a bright 12 year-old could write. If you have any actual, personal experience with solicitors over any other matter you know they are far more professional than this and the structure and processes used are full and very articulate. You'd usually get a wad of information from them regarding the matter they are pursuing as that's what they'd present to a court as evidence, these look like chain e-mails and that's exactly how they make their phone calls too, I wouldn't ignore it, I'd do what I did and write them a reply telling them to only contact you in writing, please state in full and with evidence the debt they claim you owe and inform them all their previous actions break OFT guidelines.

 

Why is it also that these claims of legal action appear to be in patches? You can go back through other forums and find months of MMF threads where nothing like this is ever threatened and then you can find five or six different people who have experienced it over the same time period. It's like MMF and such companies use different attack formats and just rotate them to see if one of their so-called 'debtors' will just make a payment to them. Same as they do rotating the Mike and Shane recorded voice messages, which, by the way, I've had confirmed to me by a police officer, is breaking the law. It's threatening an improper action with malice and false intent.

 

Like I say sgt_pancake, I'd reply and in writing asking for what I did (see my thread below your's) and nothing more and see what happens. I'm willing to bet big the trail soon goes cold dead.

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A few things that really stand out to me as highly suspicious:

 

- No break-down of costs within the debt, any finance solicitor would provide this before putting their name to such a contact

 

- No solicitor addresses or signs off as 'The Solicitor'. That's a typical scare tactic used by pond-life DCAs. It sounds like something off a movie poster.

 

- If a solicitor was taking you to court on behalf of a client for an unpaid debt they wouldn't be offering you a significantly-reduced deal after claiming to want to save on legal costs.

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Sadly chatrath IS a fully qualified solicitor. However, like bryan carter, he doesnt care about the rules, just about making money.

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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Then I would start to make some pretty strong complaints about this fool to all the agencies

employed to police this corrupt industry.

 

SRA, OFT, TS, FCA...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Sadly chatrath IS a fully qualified solicitor. However, like bryan carter, he doesnt care about the rules, just about making money.

 

He may well be but if he doesn't follow the law he isn't going to get very far with it when he tries to take people to court is he? Fly by night merchants, even those qualified in their trade, tend to get found out very quickly. Does anybody actually know anyone who has been successfully taken to court by MMF?

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Youd be very surprised tomo. MMF are ruthless in what they do and dont care about the law. if the debtor doesnt contest a court claim, then they go right for the jugular.

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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Youd be very surprised tomo. MMF are ruthless in what they do and dont care about the law. if the debtor doesnt contest a court claim, then they go right for the jugular.

 

Well hopefully as a company they are taken to rights by the OFT and Financial Ombudsman because it strikes me in some of their cases they haven't just not followed OFT guidelines, they've actually broken the law. I'm half-tempted now to speak to the Police again and actually report them directly, a crime number at the least could be very satisfying.

 

I've disputed my case for an unknown debt that hasn't been confirmed to me other than in a barrage of threatening texts and phone calls from a time when I suffered identity theft, they've started the early stages of threatening legal action (I had a one-line email which didn't even include my name!). I would hope that in any eventual court case any judge would be able to see their shocking and unlawful actions should anybody be unawares as to not dispute their claim.

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