Motormile and yet another false default

[obiter dictum]

Motormile Finance Uk Limited

 

£ 390

01/01/2015

Default

 

Name

Mr xxxx xxx

 

Address

Date of birth

 

xx/xx/xxxx4

 

Account type

Student Loan

Account number

***xxx

 

Account start date

16/06/2009

Opening balance

£ 390

Repayment frequency

Monthly

 

Date of default

01/12/2012

 

Default balance

£ 390

 

 

Now i know this was an old payday loan from 2009. Notice they have defaulted it from when Motor Mile purchased the account 1/12/2012.

 

This should be off my credit file in a few months but for that default date.

 

They also have it down as a "Student Loan"

 

Suggestions please people as this is the only nasty left on my credit file now

[dx100uk]

cca request

 

 

dx

[obiter dictum]

I have just been notified my new noddle credit report is ready

 

on inspection all reference to Motormile and this default has now been removed with no explanation

 

Interesting??

[Heropanda]

I came on here today because i had two defaults registered by Motormile Finance from payday loan lenders in 2010 which have just disappeared off my credit file with experian also... has this happened to any others?

[dx100uk]

but why post on someone elses thread?

 

 

anyway.

 

 

we have it via a little spy that MMF have been recently told to correct 'wrong data'

entered on people files when they purchase a debt.

 

 

dx

[Heropanda]

Because the chap i was responding to noted that he'd just had accounts removed today also so i thought it could be linked.

 

When you say 'correct' that sounds like a temporary measure, how long till things are re-instated?

[dx100uk]

a little birdy tells us that MMF have been told to stop reporting accounts as defaulted.

or changing the defaulted date

 

 

 

a debt 'buyer' cannot issue a default notice

only the original creditor can do that.

 

 

dx

[Heropanda]

Thanks for this information, i hope its true and it holds up. If it does then it changes my life for the better massively, hope this also applies to others!

[obiter dictum]

Thanks DX100uk for the update

[obiter dictum]

Now this is a blast from the past, Motormouth have just sent me an email with a fantastic offer, yeah right. For some reason ended up in my spam box

 

Our Ref: M

 

Original Creditor: Pay day company

 

Balance: £550.00

 

Dear Mr

We are pleased to inform you that your account(s) have been selected to receive a sizeable discount.

 

Not only are your account(s) eligible for the discount, we can spread the reduced balance into affordable repayment amounts for you based on your financial circumstances.

 

If you have more than one account with us, our customer service agents will be able to discuss the options on all your eligible accounts.

 

The offer is as follows:

 

Repayment timeBalance Discount Immediate repayment 50% Spread the instalments over a period of month in line with your financial circumstances and what you can afford.35%

This is a great offer with the following advantages:

 

 

• Paying back less
  
• Paying an affordable and sustainable amount
  
• Paying over a flexible amount of time that suits your circumstance
  

 

Please contact us on 0113 887 6876 and our friendly customer service agents will be more than happy to talk you through the options and assist you in setting up your plan.

 

Alternatively, you can arrange a call back or discuss the matter generally by emailing us on [email protected].

 

This offer is valid until Tuesday 7th July 2015 so we look forward to hearing from you soon.

 

Yours sincerely

 

Motormile Finance UK Ltd

 

Now all notifications to motormouth as to defaults were removed from my credit file two months ago and have not been put back on. Still wondering why but they did have bogus default dates and were listed as student loans

 

These go back to 2009 so are probably all statute barred anyway

 

What is going on with Motormouth??

[obiter dictum]

Another email from motormouth

 

This time they are rather civil

 

"We are unaware of any issues with this account but if there is a dispute or query please let us know and we will work to resolve the matter as quickly as possible".

 

"The purpose of our communication is to firstly discuss any changes made to your accounts as previously advised and to reach an affordable solution with you".

 

Shame it is now statute Barred, i will have to do the unthinkable thing and phone them, better still email and put them out of their misery:madgrin:

[Conniff]

I have just been notified my new noddle credit report is ready

 

on inspection all reference to Motormile and this default has now been removed with no explanation

 

Interesting??

 

Have a go at Experian, you get a free 30 day trial, but be sure to cancel as soon as you have received your report or the next month they will collect £16.

 

Ok, forget that, I see you have an Experian report.

[obiter dictum]

I had three defaults with motormouth, all payday loans taken in 2009. All of them disappeared in April off my file even though they still had 3-4 months left to run before becoming statute barred. never did find the reason. Even the name motormouth was removed

[Conniff]

Another email from motormouth

 

This time they are rather civil

 

"We are unaware of any issues with this account but if there is a dispute or query please let us know and we will work to resolve the matter as quickly as possible".

 

"The purpose of our communication is to firstly discuss any changes made to your accounts as previously advised and to reach an affordable solution with you".

 

Shame it is now statute Barred, i will have to do the unthinkable thing and phone them, better still email and put them out of their misery:madgrin:

 

You don't have to phone them unless you want to give them a piece of your mind and laugh at their attempts to bull poo you. Send them the SB letter in our library http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-**Update-21st-April-2014**

[obiter dictum]

I think i might, i have played with them enough

 

Not once did i make contact in any way in three years with these chancers

[obiter dictum]

Well 12 months down the line and another email from Motormouth still chasing this statute barred payday loan. Gettling on for 8 years old now. No threats

 

OUR REFERENCE:

ORIGINAL CREDITOR:

CURRENT OUTSTANDING BALANCE:

 

Dear Mr

 

Unfortunately, despite our efforts to contact you we have been unable to do so.

It is still our intention to set the correct plan with you to clear this amount based on your circumstances all we ask is that you pay what you can afford. For example we have many customers paying as little as £5 per month.

You can set up a payment plan by calling us on 0113 887 6876 or by emailing us at [email protected] if you prefer not to speak to an agent.

If you are experiencing financial difficulties we have a team of specialist agents who are equipped to understand and deal with your situation. Alternatively free debt advice is available which provides confidential and impartial advice from one of the organisations listed on our website, www.mmile.com.

We look forward to hearing from you.

Yours sincerely