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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Default from MMF but have no idea why???


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According to what legislation?

 

Dx MY thread on what debt? I am trying to clarify a point in general here as I don't think this is correct. This happens a lot and the ICO have no issue with it, neither do the CRAs. I don't know why you're so upset about someone asking a question about a point that might be useful to the OP and other CAG users generally? I thought that was the point of these forums?

 

If the information recorded is factually accurate and the DCA own the debt and therefore has the same rights as the OC once had, I can't see a breach of the DPA.

 

The OC might not have exercised their right to record the account with the CRAs but assuming they had one in the first place, which 99.9% do, once the DCA owns it then they can record it if they wish. What's to stop them?

 

Though obviously I agree with a DCA not being able to issue / record a default if it doesn't own the account.

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  • 1 month later...

Hi All

 

Sorry for huge delay getting back to everyone.

Sent the above letter.

Got standard crappy response about taking 4 weeks to reply... no reply.

so just about to send the below:

 

I am writing in response to a letter dated 11/6/14, from 'Pat Lee', relating to a previous letter sent from me dated 4/6/14 regarding an account you claim I have with yourselves. I still refute any involvement with yourselves and do not under any circumstances acknowledge this Default Notice.

 

In the letter, you informed me that:

'We anticipate being in a position to answer your complaint, fully, within the next 4 weeks. However, should this not be possible we will send you a further letter advising why we require further time to investigate and when we believe we will be in a position to fully answer your complaint'.

 

As of today, I still have not been notified in any form by yourselves as to whether you have investigated it or found an answer as to your unlawful behaviour.

 

My initial complaint was regarding the unauthorised and illegal Default Notice that you have served on my credit file to an account I have no knowledge of from yourselves.

 

I would like to stress as well however you have to date failed to supply a signed credit agreement under the Consumer Credit Act 1974 so i respectfully request that you supply this documentation to allow me to view the terms i am alleged to have breached.

 

I enclose £1 for a return envelope towards myself, and will allow up to 14 calendar days for this to come into my possession from yourselves as given in the Consumer Credit Act 1974.

 

If this is not received within the 14days, I must insist that the Default Notice is removed from my credit file as previously requested due to your failure to comply with the Consumer Credit Act 1974, and failure to provide a lawful and truthful Default Notice in its full form as described in the Consumer Credit Act 1974.

 

If this letter is ignored and not responded to in the correct manner, I will be forced to begin legal proceedings against you.

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If you send that letter then mark it clearly in big black or red letters. .. notice of formal complaint.

 

Youve already asked why and theyve refused to comply. Next step is full complaint.

 

Address it fao compliance manager and mark it private and confidential.

 

Anything else will simply be passed to their collections department

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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This is not a default notice it is the record of a default being placed on an account.

MMF will not have placed the default, this was done by the original creditor. No reason for MMF to supply with a CRA request.

What company shows on the CRA files as the original creditor.

 

 

The default is not illegal but could possibly be unlawful.

 

 

The time scale laid down in CCA 1974 (as amended) for a CCA request is 12 + 2 Working Days (excludes weekends and bank hols).

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Hi Brigadier

 

The default was never on my credit file until MMF posted it. So i have no record of who it is with or anything, as all i got from them was an account number and an amount due.

I dont have the CRA file so i cant tell you who is on it as the orginal creditor.

 

I will make the amendments you have suggested though :)

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It's very likely the default was recorded by the oc the same day of sale, or very close to it. It seems to be a regular occurrence with debts MMF buy.

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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Hi Brigadier

 

The default was never on my credit file until MMF posted it. So i have no record of who it is with or anything, as all i got from them was an account number and an amount due.

I dont have the CRA file so i cant tell you who is on it as the orginal creditor.

 

I will make the amendments you have suggested though :)

 

 

Ok I think it would be a good idea to get a credit check done try " Noddle" from Call Credit it's free.

 

 

MMF is currently pursuing large numbers of 'payday loan' debts have you used any one of the many available?

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Hi Guys

 

Right, been on Noddle.

Cash on Go LTD registered a Default on there on the 1/8/2012, yet have never spoken to me? And has a balance of £265?

MMF registered a default on CreditExpert on 14/7/2012, and has a balance of £1457.

 

So.....now i appear to know where its origins come from....

why have i never been sent something from CoG LTD, how are the values so different and how can MMF change the date to before COG Ltd?

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Hi Guys

 

Right, been on Noddle.

Cash on Go LTD registered a Default on there on the 1/8/2012, yet have never spoken to me? And has a balance of £265?

MMF registered a default on CreditExpert on 14/7/2012, and has a balance of £1457.

 

So.....now i appear to know where its origins come from....

why have i never been sent something from CoG LTD, how are the values so different and how can MMF change the date to before COG Ltd?

 

 

Do you recognise the debt?

 

 

With these PDLs the common process is to default then quickly sell off the debt.

 

 

Does the MMF entry show COG as the original creditor? My guess is that if this is the same debt charges and interest were added just prior to the sale of the debt to MMF.

 

 

Their reporting is sloppy to say the least again a guess the MMF date should be 14/08/2012.

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MOTORMILE FINANCE UK LIMITED Who's this?

Entry Number: C24 | Account Updated to: 04/05/2014

 

 

Account Type: Pay Day Loans

Started: 13/06/2012

Current Balance: £1,457

Default Date: 14/07/2012

Default Balance: £265

 

View Account Status Details:

Account Status Details

(1-12 months)

Last updated: 04/05/2014

Status Code:

 

Balance:

£1,457 £265

 

 

Thats all the information on the file from Experian (without my address lol)

 

I dont recognise the debt, as i paid off all my debts about 2 years ago (there were several).

 

So any advice moving forwards?

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Seems it is as I thought loaded with charges and interest just prior to sale.

Do you recall settling this?

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As far as i am aware i have paid all my debts off.

CoG LTD are Peachy, and i know i they were on the list to be paid and as far as im aware i have done.

 

So is there anything i can do with MMF? given there reporting is wrong/never sent me a breakdown of where fees/Default Notice doesnt tell me anything?

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As far as i am aware i have paid all my debts off.

CoG LTD are Peachy, and i know i they were on the list to be paid and as far as im aware i have done.

 

So is there anything i can do with MMF? given there reporting is wrong/never sent me a breakdown of where fees/Default Notice doesnt tell me anything?

 

 

Yes challenge MMF to prove the debt.

 

 

Along the line of;

 

 

Mr Neil Petty

Director MMF Ltd.,

 

 

 

 

Ref:

 

 

Dear Mr Petty,

 

 

I refer you the recent correspondence between myself and MMF Ltd., regarding an alleged debt for xxxx. xx allegedly arising from a loan account with xxxxxxxxxxx.

 

 

Please take note I do not acknowledge any debt to MMF Ltd.

 

 

Having reviewed my credit history I have concluded that no such debt exists and therefore I have no liability to MMF Ltd.

If MMF Ltd., still contends that a liability still subsists it must provide unequivocal proof of this within 7 working days, having already had more than sufficient time to investigate the validity of this alleged debt.

I require MMF Ltd., to remove all reference to the alleged debt from all CRA files to which it has reported.

 

 

Send by signed for post check delivery

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  • 3 weeks later...
Hi All

 

Right, the letter was posted as a signed delivery, and guess what, I've never received a response from them.

 

So, any suggestions what i can do now?

 

Cheers

 

 

The last thing one can expect from MMF is a prompt reply, this letter it seems was sent some time after July 13th perhaps just 2 weeks less weekends after sending.

 

 

Have you check if it has actually been signed for?

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Hi

 

Yes, it was sent on the 16th and received on the 17th, signed for and i have the electronic signature saved.

 

I still never received a response about their investigations that should take 4weeks maximum!

 

Cheers

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Hi

 

Yes, it was sent on the 16th and received on the 17th, signed for and i have the electronic signature saved.

 

I still never received a response about their investigations that should take 4weeks maximum!

 

Cheers

 

If you make a " Formal Complaint" the time scale to investigate and respond is 56 days (8 weeks).

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I sent the letter that you suggested writing, regarding requesting unequivocal proof of the debt within 7 working days?

 

 

Yes I realise that but MMF are slow, you can send

a reminder letter just get proof of posting.

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  • 4 weeks later...

Hi

 

So, got Experian involved and within 3 days, the Default issued by them had been removed. LOL is all i can do to that.

However, i have a balance still with them according to Experian.

Today, i received a letter from them saying 'we know its been over 8 weeks and we still havent replied, if you want take it to the Financial Ombudsman'.. or thats the summary of it anyway.

 

What are your thoughts? Still had nothing from them and i think they are just pratting about now

 

Thanks in advance

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get it to the fos. It doesnt cost you anything and costs MMF a small fortune.

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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Hi

 

So, got Experian involved and within 3 days, the Default issued by them had been removed. LOL is all i can do to that.

However, i have a balance still with them according to Experian.

Today, i received a letter from them saying 'we know its been over 8 weeks and we still havent replied, if you want take it to the Financial Ombudsman'.. or thats the summary of it anyway.

 

 

 

 

 

 

What are your thoughts? Still had nothing from them and i think they are just pratting about now

 

Thanks in advance

 

 

 

Take it to FOS.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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