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Rob3770

MMF & Swift Sterling Added a Default Each???

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Hi guys, first time poster and i must firstly say that i have looked through the site and found a few others in my situation.

 

I received a letter last month from Swift Sterling stating that a debt i know nothing about has been sold on.

 

This led me to use Noodle to check my credit score and there were 2 defaults placed on it!

 

I used Noddle to dispute them but have heard nothing back ( its only been a few weeks though).

 

Yesterday i received another letter from MMF stating that they have tried to contact me many times ( a lie ).

 

One default is for my previous address and the other for my current address.

 

I have scanned copies of both letters and of the Noodle screenshot.

 

Should i send each of them a 'Prove It' letter as i have no idea about these?

 

My mortgage is up for renewal in 1 year and we are scared witless about what this actually is.

 

PS. I love the site.

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Please scan up the letters removing all personal info etc

 

How much is the debt for? As you will have seen, MMF are a royal pain in the arse.

They threaten and bully and only are interested in £££££££££.

 

What does it say for default dates etc?

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who did swift (payday loaners) say it has been sold on to, presume mmf? they are 'pals' apparently.

also, check yr files with the main cra's.


IMO

:-):rant:

 

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[ATTACH=CONFIG]53399[/ATTACH]

 

Here are the 2 letters and 2 screenshots from my Noodle account.

 

Cheers

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[ATTACH=CONFIG]53399[/ATTACH]

 

Here are the 2 letters and 2 screenshots from my Noodle account.

 

Cheers

 

 

Ok the method of reporting to credit reference agencies changed sometime ago to show a more accurate picture of the conduct of accounts; this means that when a debt is sold the new owner places their name and the details of the account side by side with the original creditors entry. However the Default Date MUST remain the same as the OCs entry and the OCs entry should show " settled/satisfied" with a nil balance.

 

 

You don't have two defaults for one debt just a progression of the conduct of the account.


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Hi Brig

 

Sorry to be a pain but I disagree, have a look at the entries default dates and balance etc.... Shows a different picture...

I agree this is to separate accounts it would seem different account numbers and greatly varying default dates.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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so you have never had these 'loans'?

 

 

have you moved recently?

 

 

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

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so you have never had these 'loans'?

 

 

have you moved recently?

 

 

dx

 

I have never had any of these loans and moved house last November 1013.

What do i do now?

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I have never had any of these loans and moved house last November 1013.

What do i do now?

You make a forma complaint to Mr Neil Petty MD of MMF.

 

 

Stating clearly that you are not nor ever have been a client of the original creditor and you acknowledge no liability for the alleged debts and you put them to strict proof that you are the debtor it seeks.

 

 

Say no more at this stage to MMF.

 

 

Meanwhile place notices of dispute on ALL credit reference agency files to which the

alleged debts have been reported.

 

 

Use signed for post and check delivery date.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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IMHO you have had someone at your old address use your details?

 

 

did you advise all your creditors you had moved etc etc?

 

 

pers I'd be contacting actionfraud here

 

 

get a crime number and fwd that to MMF

demanding ALL details are removed?

 

 

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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Thanks for the advise...

 

So i write to MMF (Mr Neil Petty), do i use one of the templates from the library so that i get the correct wording?

 

What about the one from Swift Sterling?

 

Cheers in advance guys

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I'd contact actionfraud first.

 

 

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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I'd contact actionfraud first.

 

 

dx

 

ActionFraud have been contacted and i have received a reference number. They advised that i contact the 2 firms, give them the AF ref number and deny all knowledge of the debt.

 

Which template should i download to give more punch to my correspondence?

 

Cheers

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I'd contact actionfraud first.

 

 

dx

 

 

I agree get a case number first then you van quote to both sharks.

 

 

If you want help with letters come back and I will help you draft them.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I agree get a case number first then you van quote to both sharks.

 

 

If you want help with letters come back and I will help you draft them.

 

I would really love some help drafting the letters please.

 

Cheers

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ActionFraud have been contacted and i have received a reference number. They advised that i contact the 2 firms, give them the AF ref number and deny all knowledge of the debt.

 

Which template should i download to give more punch to my correspondence?

 

Cheers

 

 

Templates are not the answer to individual and unique circumstances.

 

 

This can be sent to both parties:

 

 

Ref: use theirs.

 

 

Formal Notice.

 

 

Denial of Liability

 

 

Sir/Madam ( for sterling) Dear Mr Petty for MMF)

 

 

I refer to correspondence from xxxxxx dated xx xx xxxx in regard to an alleged debt arising from an account with (name of creditor) in the sum of £xxx.xx.

 

 

Please Take Note:

 

 

I your name am not nor have I ever been a customer/borrower with xxxxxxxxxx and all liability is denied.

 

 

This matter has been reported to Action Fraud their reference is xxxxxxxxxxxx.

 

 

MMF/Swift Sterling has caused inaccurate and derogatory data to be displayed on my credit reference files with the credit reference agencies Equifax, Experian and Call Credit/Noddle I now demand that this inaccurate data is removed from All credit reference files to which it has been reported forthwith and MMF.SS will confirm writing that this instruction has been complied with.

 

 

If MMf/Swift Sterling fails to comply this matter will be reported to the ICO and FCA and if necessary to FOS without further recourse to MMF/SS.

Amend/edit to suit.

Use signed for post check delivery.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I would really love some help drafting the letters please.

 

Cheers

See post 19#.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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See post 19#.

 

Many thanks for all the help, i'll keep updating when/if i hear back

 

Cheers

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Many thanks for all the help, i'll keep updating when/if i hear back

 

Cheers

 

One more...

 

Do i put my address on the letter?

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One more...

 

Do i put my address on the letter?

 

I have just noticed that both letters have the same reference number but i have 2 defaults??

 

Do i still send 2 letters (1 to each) but with the same reference number on?

 

Sorry for all the questions

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