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    • Welcome to the real world. What year of university are you in? What university? And what are you studying? What is the name of the agent? And what is the name of the landlord? The business of holding deposits should be affected by the Consumer Rights Act 2015 and that means that they should be subject to terms relating to fairness. It seems to me that if you pull out of an agreement to take the property then the agent or landlord should only be entitled to hold on to sufficient funds to cover any administrative losses which they have suffered as a result of your change of decision. In practice many agents will simply take the opportunity to cream off a bit of extra profit. I suppose you just paid the money over without any kind of written agreement or recording or any evidence. Certainly, if you paid over a holding deposit on the basis of a particular contractual promise – that there would be a break clause and then subsequently there was no break clause then it would be a simple matter to argue that it was the agent of the landlord who had gone into the breach of contract in which case you would be entitled to recover all of your money. However do you have evidence of this? Similarly, if you pay the holding deposit and were only told afterwards that it was not refundable then it is arguable – although not cut and dried – that they had introduced a new term into an existing contract and so once again, you would be entitled to recover all of your money. However, once again – do you have any evidence of this? It will be interesting to know whether the agent is acting of their own initiative here or whether they are really exercising the will of the landlord. Please address the questions which I've put above
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    • Hi  I genuinely have not received this BUT I am not saying that it hasnt been sent as I am sure it will have been.   As i said, my son has the same name as me and I am sure if he had seen one of these, he will have let me know as he did when he opened the second letter. 
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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.


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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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..

 

 

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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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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Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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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

:D

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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

:D

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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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