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    • Good afternoon,    I am writing in reference to the retail dispute number ****, between myself and Newton Autos concerning the sale of a Toyota Avensis which has been found to have serious mechanical faults.    As explained previously the car was found to be faulty just six days after purchase. The car had numerous fault codes that appeared on the dash board and went into limp mode. This required assistance from the AA and this evidence has already been provided. The car continues to exhibit these faults and has been diagnosed as having faults with the fuel injectors which will require major mechanical investigation and repairs.    Newton Autos did not make me aware of any faults upon purchase of the vehicle and sold it as being in good condition.    Newton Autos have also refused to honour their responsibilities under The Consumer Rights Act 2015 which requires them to refund the customer if the goods are found to be faulty and not fit for purpose within 30 days of purchase.    Newton Autos also refused to accept my rejection of the vehicle and refused to refund the car and accept the return of the vehicle.    It is clear to me that the car is not fit for purpose as these mechanical faults occurred so soon after purchase and have been shown to be present by both the AA and an independent mechanic.   Kind regards
    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
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2 new defaults after almost 6 years?


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So after a routine check of my credit file this morning I found 2 new entries from motor mile finance, extremely surprised as I have been regularly checking my credit file for the last 6 years. They are supposedly 2 defaults from 2008, I have no idea who this company is or have I ever received any correspondence from them. I cleared all my debt in 2009 and worked on rebuilding my credit, I got a mortgage in 2012 and now have a good credit score. I contacted Experian to query this and await a response. Both entries are listed on the same day in 2008 but I have absolutely no idea what they are for or have ever heard of this company. What do I do? Experian say the defaults will be removed next month but where does this leave me?

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Hi

Unfortunately, MMF seem to think they have carte blanche to do what they like with credit records. Why they have added these defaults to your file is unknown.

 

Creditors have a duty to keep data records up to date so there may be a possibility that the original creditor defaulted you but failed to record it on your file so MMF have now done so. If you negotiated a Full and Final settlement with any of your creditors without getting confirmation that the remaining amount is not passed on, this may explain why.

 

It may be an error and MMF have recorded the data on your name rather than the real debtor.

 

The bigger question is: Do you really want to bother with this as the default will fall off next month. If you need to get more credit in the next month then it will be a problem but if not, then let it go.

 

You can write to MMF and demand an explanation but don't expect a sensible answer. This company come across as bully boys.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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The default is due to fall off on the 7th august so not long, I have never received any letters or calls from them so after this date am I right in thinking not to worry about anything?

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Only another 10 days then, Once they have fallen off, it should be as if nothing has happened.

 

As you have contacted Experian, they should give some response. To be on the safe side, you would be wise to check the other CRAs as well just to make sure the dates are the same.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Ojo!!! (OR Watch Out)

 

MMF can and WILL mess about with things they are not supposed to... So it makes me wonder if itll be on longer than just "10 Days"

Watch your credit file... Lets see what happens...

 

We could do with some help from you.

 

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  • 1 month later...

so the defaults have dropped off my credit file as expected however...they have now written to me saying I owe them 2 separate amounts. Surely as now the defaults have passed the are statue barred? Also I have no idea where they've come from.

 

 

Do I ignore or should I send them a statue barred letter?

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You could do either. With MMF, you could quite easily ignore them but they are quite determined to get their pound of flesh so to stop them you could send an SB letter. No doubt when you do, they will write back saying it isn't but don't supply the necessary proof.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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If you ceased payment prior to the time the default was registered originally in 2008, then I would think that the debts are statute barred.

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So after a routine check of my credit file this morning I found 2 new entries from motor mile finance, extremely surprised as I have been regularly checking my credit file for the last 6 years. They are supposedly 2 defaults from 2008, I have no idea who this company is or have I ever received any correspondence from them. I cleared all my debt in 2009 and worked on rebuilding my credit, I got a mortgage in 2012 and now have a good credit score. I contacted Experian to query this and await a response. Both entries are listed on the same day in 2008 but I have absolutely no idea what they are for or have ever heard of this company. What do I do? Experian say the defaults will be removed next month but where does this leave me?

 

 

In the credit file entry there is usually an explanation as to who the original creditor is or the type of account e.g. Loan/credit card.

 

 

What date in 2008 were these accounts defaulted.

 

 

It most certainly not safe to ignore MMF.

I have seen 2 cases recently where court action has been started when debtors have ignored MMF

 

 

Send a statute barred letter to Mr Neil Petty the MD of MMF use signed for post and check delivery.

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

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