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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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fkofilee

Finally.... MMF Appears...

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Guys

 

I'm a little concerned, I've been delaing with MMF for quite some time now and last November they "Lost" my letter which had proof to close these accounts... Now ive just logged online to Experian for the first time...

 

MOTORMILE FINANCE ...

Pay Day Loans

Default £168 06/04/2014

MOTORMILE FINANCE ...

Account Updated to: 06/04/2014

 

 

Date of Birth:

Account Type: Pay Day Loans

Started: 02/02/2012

Current Balance: £168

Default Date: 16/02/2012

Default Balance: £138

View Account Status Details:

Account Status Details

(1-12 months):

 

Last Updated 06/04/2014

 

£168

 

 

To give you some idea, they started reporting it in April this year,

 

The account listed was fraudulent along with the other 2 accounts they hold.

I don't know what to do anymore with MMF, I want the account/s removed... But I know MMF wont listen...

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ICO, FCA and FOS complaint. Especially as theyve listed the default as april this year. You need to report it to everyone. The more publicity MMF get about their unlawful practices, the faster theyll get shut down.


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Not according to what you posted it isnt. It says it at the bottom, but at the top it says 2014. Could just be me, but i would still get the regulators involved as they refuse to remove an entry that is clearly invalid. Infact, i would demand compensation too as it is clearly fraudulent but they refuse to listen.


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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I think it is just poorly worded, but it is confusing and may be misinterpreted as being a default in 2014 (which is I think the date MMF acquired the debt).

 

 

Do you have all the data on the fraud matter?


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I see your point Brig... It can be take as defaulted this year...

Although further down it says the default date. Anyhow... Yes i do have all of the paperwork etc.

 

Im tempted to send another copy of the letter, but im worried they will "Misplace" it again. I have no trust of any DCA but MMF are a nightmare

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I see your point Brig... It can be take as defaulted this year...

Although further down it says the default date. Anyhow... Yes i do have all of the paperwork etc.

 

Im tempted to send another copy of the letter, but im worried they will "Misplace" it again. I have no trust of any DCA but MMF are a nightmare

 

 

That entry is defamatory imo, a letter before action would be my next step.

 

 

Dealing with a similar matter elsewhere I suggested sending an LBA by a courier service to confirmed delivery proof a small cost in relation to the damage caused I think.


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The information on the credit file is crystal clear. The default date is 16 February 2012. It was last update by MMF on 6 April 2014. Can't see any ambiguity whatsoever. Funny............I thought this couldn't happen according to the 'experts' on here.

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I brought up the dates because you said that the date of default could be interpeted as 2014 when that is clearly the date of update. Date of update and default date are entirely seperate. I am not being disrespectful by pointing out the fact that these dates are two entirely seperate things. Fkofilee - you say we have all seen what MMF can do, have we? Why do people on this forum keep saying that it doesn't happen then? Saying it doesn't happen so you don't have to admit you are wrong doesn't help anyone. It is happening whether people say it is or not.

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Thread tidied.


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Surely if this account is fraudulent then it doesn't matter what the credit file says as the OP should be proactive in getting the fraudulent account removed anyway?


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Surely if this account is fraudulent then it doesn't matter what the credit file says as the OP should be proactive in getting the fraudulent account removed anyway?

 

Exactly IMS, in a previous thread about this, i Spoke to actionfraud again and registered yet another case with them.

I even sent a letter to them with distinct proof from the bank in question advising the account was fraudulent and the transaction were not my issue.

MMF signed for that letter on the 15th November last year. I spoke to Barry 7 days later... What did i get?

 

"Weve never received it" , yet when supplied with proof they had done from Royal Mails website (Recorded Delivery... Im not that silly), they say they couldnt find it... It was directed to Barry himself!!!!!

Signed for at protection house... :sigh:

 

Ive tried everything, I even emailed the team at MMF and Barry last week, when i found this account, he catorgorically promised the account would NOT be put on my CRF and the accounts would remain on permanent hold. Last week they will still on hold but no response from Barry.

Ive been as proactive as i possibly can...

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So you have stopped at MMF?

 

Have you not sent all of the evidence that this is a fraudulent account to the ICO for example?


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Also, please link to your other thread on this issue as it may well be better for them to be merged so that all of the history is in once place.


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Thread tidied.

What needed "tidying" ims???

 

 

My post remove Ocelots left in place very strange.


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Hi IMS

 

Ive been through and found it, sorry for creating a new thread.

 

 

 

Also, why do i need to go to the ICO... I shouldn't have too in the first place, but im considering it right now.

 

 

Please remember i was also asked by Bazza to leave CAG...

Edited by ims21

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Hi IMS

 

Ive been through and found it, sorry for creating a new thread.

 

Ah ok got you...I have edited your post for obvious reasons.

 

Also, why do i need to go to the ICO... I shouldn't have too in the first place, but im considering it right now.

 

Well if you want it resolved and MMF are not doing anything then you need to get the appropriate bodies involved.

 

Please remember i was also asked by Bazza to leave CAG... Eh? Maybe you ought to PM me on this

 

See above in blue


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So my issue with MMF is STILL ongoing. This has been an ongoing saga for the last year and 3 months. It has no sign of stopping.

I have had more accounts appear on my CRF for Cash Genie and the same from before. All of these accounts are Fraudulent and i gave MMF everything they needed. But STILL Nothing.

 

They advised they had conducted their own "Investigations" in which they decided that they are still going to pursue me for these regardless.

As this has been going on for nearly 15 months and Im still pursuing them. Have i lost my right to refer this to the Ombudsman?

 

Pat and Barry @ MMF Say "Yes you have"

Im thinking "No I Havent"

 

FYI Accounts are listed below;

 

Original Creditor: Cash Genie

Current Balance: £1,643.00

 

Motormile Reference: M1081430

Original Creditor: Quid 24

Current Balance: £375

 

Original Creditor: Cheque Centres

Current Balance: £167.81

 

Original Creditor: Cheque Centres

Current Balance: £167.81

 

Original Creditor: Wage Day Advance

Current Balance: £139.20

 

Whats interesting, When checking with the Cheque Centres, they confirmed that it was just one loan... Not 2 :/

 

Im struggling here.... I need help and Im now not sure where to turn to.

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Get the FCA and FOS involved here. Get complaints into everyone and stop worrying. Ignore what the PDL's say about their own investigations. They are likely to be sat in an office and say " This guy says these accounts are ID theft." Second guy simply says " Ignore him and chase him. he'll probably pay up anyway".


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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Get the FCA and FOS involved here. Get complaints into everyone and stop worrying. Ignore what the PDL's say about their own investigations. They are likely to be sat in an office and say " This guy says these accounts are ID theft." Second guy simply says " Ignore him and chase him. he'll probably pay up anyway".

 

Its not the PDL that say that... Its MMF that say that.... And they now own these debts, not administer them.

They have now asked for Bank statements... Do i entertain this as i really dont want too... This would involve me sending statements for an account that has nothing to do with this situation as these loans were apparently paid into a fraudulent account for Cash Genie etc and the other loans were taken out F2F.

I have an issue because around that time my passport was stolen and only had a few months left on it. It was taken by the individual that caused this and then disappeared off the face of the earth.

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MMF pay as well be a PDL. However the response will still be the same. You know how MMF operate, this shouldnt be a surprise. The guys behind it do not care about the law/regulation. They are in it purely to make money and they dont care how they get it as long as they do.


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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MMF pay as well be a PDL. However the response will still be the same. You know how MMF operate, this shouldnt be a surprise. The guys behind it do not care about the law/regulation. They are in it purely to make money and they dont care how they get it as long as they do.

 

Yeah i know. Im just stuck on this one. Im frightened that the FOS wont help as this has been going on for so long.

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Fos can help at any time. The only pre-requisite is that you exhaust the companies own complaints procedures first. If you have proof its id theft, then get action fraud involved, and get the crime number. FOS and MMF cannot shrug it off then.


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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