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    • FINAL UPDATE.  I have not posted as the defence were reading the thread.  An agreement was reached on the day of the hearing.   I am unable to go into detail but for those in this position the forum has been priceless support and advice so thank you all in the site team.   for those going through this, follow the process, ignore intimidating tactics and threats and get to the Judge.  They are very supporting of those self representing.   I note her name has gone from the heading of the thread.  Was this them ?  Thanks again.  
    • I'm not sure what the "appeal" system asked but he said he definitely didn't indicate he was the driver so I'm just going to have to take his word for it. Honestly, I don't think the hirer will contact them. I think my brother will tolerate it. I did have a similar experience with another company 6-7 years ago and sought advice on here then to which you guys told me to ignore, I got the exact same DRP letters and then a "Gladstones Solicitor" letter.  After that nothing happened and it died away. Based on my experience with that I assumed the same would happen here but only asked to see if perhaps anything had changed since then.    Hopefully it doesn't get to court but if it did, I feel like we have enough evidence to sway a judge who probably hates dealing with this type of nonsense anyway. Or maybe I'm too optimistic. 
    • Your attachment showing the cinema parking restrictions seems crystal clear. Let's see what the photos turn up.
    • Meter certification periods re given in The Meters (Certification) Regulations 1998, Schedule 4. From there you can check if they are correct about your specific meter .. https://www.legislation.gov.uk/uksi/1998/1566/schedule/4 If they're telling porkies then you have e clear grounds to tell them to take  hike. If they're correct or if you haven't been able to confirm then you have  few options. You could just keep fobbing them off. In general Octopus can't keep up with demand for smart meters. It took 9 months to get our. So they may not push too hard. Or ask if you can install your own choice of meter. The Electricity Act 1989 cover this in Schedule 7 (2) and (2A) https://www.legislation.gov.uk/ukpga/1989/29/schedule/7 Or fight the them and their enforcement. Or go off supply.
    • We received a copy of the completed Directions Questionnaire (N181) from the solicitors along with a draft copy of their directions. I am on a course today so can upload over the weekend if needed. By 4pm on 16th May both parties must each give standard disclosure of documents by way of list by category. By 4pm on 30th May any request for inspection or copies of docs must be made and compiled 14 days thereafter. I will provide more over the weekend.
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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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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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In oct 2010 I defaulted on a wonga loan

 

I asked for a repayment plan but they refused my offer.

 

I then moved house and forgot about it.

 

Arrow global sent me a few letters and marked my credit file.

 

Dec13 I moved house again.

 

Then the credit marker from AG dissapeard in Jan14.

 

Feb14 1st letter from MMF saying that they were dissapointed that I hadnt responded to thier previous comunication. (None was recieved)

 

then subsequently letters advising a home visit if I didnt contact them and offers of a discount

 

forward to today a "person" Arrived and handed a letter to my partner at my new address.

 

She had no idea about this loan.

 

They are asking for an appointment to visit

 

Iv never recieved a notice of assignment and I have never Acknowledged any of thier letters.

 

Do I

 

a) ignore them till they try a more serious approach or

 

b) write to them and ask for proof that they own the debt and and also tell them u have no intention of offering them a home visit

I can see from the threads that these vultures are particularly persistent any advice would be gratefully recieved

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What was this letter your partner was handed?

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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OK MMF is full of underhanded tricks.

This company is best met head on if they have old addresses the old DCA trick of sending a court claim to such an address could well be a problem.

 

 

So send the following letter by recorded /signed for post, and check delivery.

 

 

For the Personal Attention of:

 

 

Mr Rob Sands

Director of Compliance

MMF Ltd.

 

 

Date:

 

 

Ref: use the one on the letter.

 

 

Dear Mr Sands,

 

 

I refer you to a letter delivered to my home on xx/xx/xxxx in which MMF Ltd requests an appointment for a "home visit" please take note under no circumstance will I make any such appointment.

 

 

I will not discuss any matter with unknown persons visiting my home, any such visitor will be invited to leave immediately if they fail to comply they Will be removed with police help if needed.

 

 

I am aware that MMH likes to believe it does not have to comply with my wishes but of course this theory has no merit.

 

 

I have no knowledge of the assignment of any alleged debt to MMF and deny any liability to MMF.

 

 

I will not deal with this matter other than in writing, no e-mails, telephone calls, landline/mobile/ sms text messages will be answered.

 

 

I require unequivocal proof of any liability I may have for the alleged debt.

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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It was the letter inviting me to make an appointment for a home visit so they could discuss my outstanding wonga loan. With amount details etc on it.

 

In her own words he was an obnoxious speccy little prick with weegie (glaswegian) accent

 

Thanks for that letter brig. Ill send it off to them asap.

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It was the letter inviting me to make an appointment for a home visit so they could discuss my outstanding wonga loan. With amount details etc on it.

 

In her own words he was an obnoxious speccy little prick with weegie (glaswegian) accent

 

Thanks for that letter brig. Ill send it off to them asap.

What an excellent description of an MMF representative!!

 

 

Worthy of that company indeed.

Let me know how you get on please.

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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It made me chuckle

Will do

I'm still laughing it is so true of the sad individuals these companies use.

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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  • 4 weeks later...

Surprise surprise. 2 further letters threatening home visits have arrived. Im looking forward to the little oik turning up so that I can introduce him to my three dogs then remove him from my property using only reasonable force if necessary of course 💪

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Surprise surprise. Since I sent that off iv had two further letter threatening a hime visit. Im now looking forward to the little oik turning up so I csn introduce him properly to my three dogs. And then invite him to leave my property and if necessary use reasonable force to help him if he refuses to do so 😎

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posts moved to your own thread

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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