Motormile providing questionable documents

[BRIGADIER2JCS]

Given the dates you have here even if a DN was sent there was no time to rectify.

 

 

I would send them a suitably redacted screen shot of the entry, but I would also reiterate that you have never had an SL so the entry must be removed immediately and you require confirmation of their compliance with your instruction.

[sillygirl1]

The more I look at this issue of 'defaults' the more I realise it favours nobody, as it is 'incorrect' in 99% of the cases I've chased up on.

 

The whole debt buying 'industry', AND the CRA's are no longer fit for purpose and should all be disbanded as soon as possible.

 

As its been stated time and time again, lenders have their own criteria now and do not necessarily go to the CRAs for information - so why are they storing blatantly wrong information and refusing to remove it.

[allen169]

I have no objection with sending them a screenshot, but lets look at it this way. They get paid to do this, I don't. I now have to take time out to get the screenshot, alter it, send it then spend hours arguing with them about it. I don't get the privilege of sending them a default charge for my time. Its just not fair. RE The CRAs they are a waste of time, but they will never get shut of them. Credit Expert is a waste of time too, it doesnt even show you a true reflection of your credit score..But that's a moan for another day.

[allen169]

This makes me laugh. The chap who's emailing me from MMF has a signature on all his emails. Its gone from Compliance Team, Customer Relations and finally collector... Wonder if he's related to Mike

 

I have asked them why the default was incorrectly labeled. Apparently they know that this was the case, but without seeing the screenshot they are unable to explain why it was incorrectly labeled.

 

Iv requested they look at the original notice of default that would have been sent out to me when they placed the default on my file, instead of sending a screenshot. Lets see if they come up with the goods.

Edited August 15, 2014 by allen169

[allen169]

Fed up of this now. Sent them the heavily blanked out screenshot, and now their reply is this.

 

By law, the original lender is to supply you with a Notice of Default, not ourselves.

 

 

 

I shall send a request to the 3 credit reference agencies to update this to payday loan as opposed to student loan.

 

[BRIGADIER2JCS]

The default notice should be sent by the creditor, but it Must allow time for the default to be rectified.

with PDLs some have stated that a DN is not needed for such a short term loan.

I think "Mike" et al are one lonely little chap with a big ego, probably works in a cupboard under the stairs.