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    • Thanks DX - I wondered about the blacked out bits. That's their doing not mine obviously.   Attached is the exhibits part of the bundle. Sorry about this, no matter what I compressed the whole thing down to I got the oversize message, even if the filesize on my computer was showing as well under 4.8mb   The_exhibits-compressed.pdf
    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known. I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
    • Thanks.   I've managed to reduce the file size and deleted from this copy all of the pages of photos and copies of the signs. Just their witness statement and the photos of the car parked up remain.   They say "My company relies on Parking Eye v Beavis (2015) in which it was accepted as an established principle that a valid contract can be made by an offer in the form of the terms and conditions set out on the sign and accepted by the driver's actions as prescribed therein"   Is there a refutation to this case anywhere? Or do I not argue that  and just refer back to EB's earlier post and focus on the signs?   "What you are writing is roughly your side of events and referring to the evidence you can provide so that will include their signage, any evidence or lack of authority for them to offer anything, their paperwork if that doesn't create a liability, the POFA where the vital phrases have been missed by the parking co or the timescales missed.   then you pick holes in the wording and substance fo their claim, for example, contractual sum or breach of contract - they are different. are they claiming from you as driver or keeper, cant assume they are one and the same.   What about the amount claimed? it will invariably include unicorn food tax so if they are saying keeper ia liable they are limited to asking for the amount shown on the NTK and you should make this clear as it helps damage their assertion that driver and keeper liability are the same thing   As they havent responded to your CPR request for documents you can start off with that but it isnt a golden bullet, "   thanks Bundle_the_approved,_signed_statement_with_the_exhibits-_Reduced.pdf
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Checked my Noddle credit report, and there is an entry by MMF for a "Student loan"

 

First up, I do not recognise the account or the balance, and secondly I have never taken a student loan.

 

What is my course of action? Do I send a formal complaint to MMF instructing them to remove this entry from my credit files? Advice please. Image attached...

 

[ATTACH=CONFIG]52501[/ATTACH]

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It's likely a PDL or a catalogue card or similar. MMF seem to think they can mark a debt however they feel like and even change default dates and amounts for their own gain.

 

You could add a notice of correction to it on the CRA, while getting a full complaint to the compliance manager at MMF ( if they even have one). The CRA will then ask MMF to explain and give more details.


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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Would a leter such as this be sufficient?

 

FORMAL COMPLAINT

 

This notice is with regard to a default entry made to my credit files. The entry is as follows:

 

Motormile Finance Uk Limited Balance: £ 578 Updated: 01/04/2014 Status: Default

Name *************

Address *************

Date of birth*************

Account type Student Loan

Account number ****6751 0

Account start date 18/06/2012

Opening balance £ 578

Repayment frequency Monthly

Date of default 13/07/2012

Default balance £ 578

 

 

I do not recognise this account in any way. It is my belief that this entry is fraudulent, and as a result, requires IMMEDIATE REMOVAL from my credit files.

 

PLEASE NOTE: This is not an acknowledgement of any debt, and the onus is on yourself to prove without doubt this debt is mine. This is not a SAR request, therefore there will not be a £10 fee for this service.

 

A copy of this letter will be forwarded to the FCA under the heading CREDIT FITNESS, along with copies of your correspondence.

 

 

Yours faithfully,

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Would a leter such as this be sufficient?

 

FORMAL COMPLAINT

 

This notice is with regard to a default entry made to my credit files. The entry is as follows:

 

Motormile Finance Uk Limited Balance: £ 578 Updated: 01/04/2014 Status: Default

Name *************

Address *************

Date of birth*************

Account type Student Loan

Account number ****6751 0

Account start date 18/06/2012

Opening balance £ 578

Repayment frequency Monthly

Date of default 13/07/2012

Default balance £ 578

 

 

I do not recognise this account in any way. It is my belief that this entry is fraudulent, and as a result, requires IMMEDIATE REMOVAL from my credit files.

 

PLEASE NOTE: This is not an acknowledgement of any debt, and the onus is on yourself to prove without doubt this debt is mine. This is not a SAR request, therefore there will not be a £10 fee for this service.

 

A copy of this letter will be forwarded to the FCA under the heading CREDIT FITNESS, along with copies of your correspondence.

 

 

Yours faithfully,

 

 

Inaccurate for the following reasons not fraudulent!

Did you ever have student bank account and or credit card?

As this is a Noddle (2nd hand data) report you need to check Equifax and or Experian for more up to date information and the name of the original creditor, if you are going to challenge MMF you will need to be well informed.

A complaint to the FCA should e headed " Fitness to hold a Consumer Credit Licence".

 

 

Address Neil Petty the MD. Use signed for post, don't expect a rapid response.


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I have never been a student, therefore whatever it is these muppets have bought, they have described it incorrectly.

 

As MMF are renowned for buying PDL's, I am worried that something has been taken out in my name. This is why the word "fraudulent" is playing on my mind. I do not recognise the debt and sure enough do not want it soiling my credit record.

 

Any advice is welcome.

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send them a CCA request.

 

that will identify the debt

them if its not yours

you can act on it

 

and even sue for compensation

 

dx


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I have never been a student, therefore whatever it is these muppets have bought, they have described it incorrectly.

 

As MMF are renowned for buying PDL's, I am worried that something has been taken out in my name. This is why the word "fraudulent" is playing on my mind. I do not recognise the debt and sure enough do not want it soiling my credit record.

 

Any advice is welcome.

 

 

Any PDLs


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I have no outstanding PDL's so there is really no reason for this to arise. I guess the CCA request will be in order to find out just what this is all about.

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I have no outstanding PDL's so there is really no reason for this to arise. I guess the CCA request will be in order to find out just what this is all about.

Yes certainly send a CCA request address it to Neil Petty.use signed for post.

A postal order for £1.00 marked clearly " for statutory fee only" is best, don't listen to any crap about them having 40 days to comply it's 12 +2 Working days and no more.


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how about some blank lines and sentences

 

 

dx


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Bondageparaphillia I have popped some spacing into your post to make it easier to read.

 

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I thought I would try to find instances where Motormile Finance UK Limited have purchased debts

supposedly from pounds till pay day

which is actually the trading name of Northway Financial Limited

or Northway Financial Corporation Limited

part of the

Northway Group Head Office Malta Northway Group. Level 5, Plaza Commercial Center Bisazza Street Sliema SLM 1640.

 

They Motormile seem to operate in this way,

an supposedly outstanding debt of some age

perhaps 4 or 5 years ago from pounds till payday (Northway Financial),

which they state they purchased- suddenly appears as a default on your credit rating,

 

 

usually you have not checked this so

 

 

to give an example you receive a letter stating that an outstanding debt has been purchased

dated say July 2014 for a sum owing from 2010 say November,

 

 

you have not heard from them and of course believe that either you don't owe the money as you have already paid it or that it must be a mistake,

 

 

you check your credit rating (Noddle is best as it is free) and find that two or three months before the letters date they have defaulted you with every credit rating agent.

 

They may say you owe them £500,

you phone and arrange to pay because you don't want any more defaults,

 

 

however, inevitably you find that even after the debt is satisfied that they continue to default your accounts (just a mistake?).

 

 

Of course the original owner of the debt never defaulted you at all concerning the supposedly outstanding sum,

what do you do,

you complain to the Authorities Financial Ombudsman Services, Trading, CSA, Trading Standards.

 

Now if anyone replies to this post I will post the letters and information you need to get these defaults removed,

 

 

compensation/damages and the amount you paid back,

 

 

yes you will need a solicitor,

yes you will need to be patient and

you will need to pay because NO Legal Aid is available to deal with these people.

 

 

you don't need any sols

and you don't need to pay anyone anything.

inc MMF this supposed 'debt'

 

 

paying a debt does not remove any defaults

nor improve your credit rating one bit.

 

 

MMF [as with any debt buyer] CANNOT magically make an account [RE] appear on your CRA file

only the original creditor can default you

 

 

sorry but this sounds like a bit of a spoof or money making exercise.

 

 

dx


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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And there we have it. Just another mindless troll. At least make it entertaining. It is christmas after all :)


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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ho ho I guessed right

 

 

bye bye.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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And there we have it. Just another mindless troll. At least make it entertaining. It is christmas after all :)

 

Fancy him talking about his family that way, no respect. :)

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