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    • Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court and ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all. So you really want to exhaust every possibility of avoiding them if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
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MMF Cash Genie Default appears **RESOLVED**


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They are a dca debt buyer

Only the OC can default a debt

 

Might be time to send CG an sar

Let's find the truth

Wouldn't hurt to send mmf a CCA request

But that won't resolve the default.... Yet.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I don't know

But I don't agree with the ICO

 

Let's get all the info first

I can't see how a debt buyer can place an account on a credit file when the OC didn't and how they can register a default either when the OC didn't

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Baggies

 

Maybe i can be of some help. CG are in the process of shutting down , but i do remember that they may have already gone possibly. A SAR to CG may not work at this time as I think they have been fully dissolved now.

Stay off the phone to Motormouth... They will say anything to get you to pay as you are well aware although they have been clipped recently.

 

Speak to the ICO, and i am inclined to agree with DX that something doesnt sound right with them defaulting you.

 

They can only take over the debt reporting. They are not in a position to issue a default notice etc in their name as CG were the original creditor.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thank you fkofilee, I will be patient and await a response from the ICO. I wont phone motormouth again, they said they wouldn't remove the default even if I paid in full. Thanks for the info on CG, saves wasting the £10 if I don't get anything back.

 

 

I will speak with the ICO at 9am and ask them what their stance on it is and update on here.

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I did speak to the ICO. They said they cannot comment on "if a DCA was allowed to register a default", all they could say is that if the data was incorrect I had a right to it being reported accurately.

 

They said that a case worker will be in touch to obtain further details.

 

Hopefully if 10% of the people that have complained on various forums also complain to the ICO then this shower of..... will get what they deserve.

 

regards

 

Baggies

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more tripe by email:

 

 

Dear Mr #######,

Thank you for your recent email.

We can confirm that the information confirmed within our response is correct and MMF hold the right to register the default as we are legal owners of the account.

The information provided in our previous email was our final response and if you still remain unhappy, you now have the right to raise this complaint with the Financial Ombudsman Service.

Alternatively, please feel free to contact our customer service department via [email protected] or call us on 0113 887 6876 to discuss repayment options.

Kind Regards

Pat Lee

Customer Relations Officer

Motormile Finance UK Ltd (MMF)

Freephone:

0800 996 1103

Email:

[email protected]

Web:

www.mmile.com

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  • 2 weeks later...

Just had the FOS on the phone, they are gathering information. They have stated that MMF can issue a default notice if the OC didn't enter one however the date of default should be within 6 months of the account being overdue and not nearly 3 years later.

 

 

they have asked for my bank statements for Nov 2013 when the claimed payday loan was issued and my full credit file in PDF, it cannot be a screen shot, must be full credit file. I find this a little strange.

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  • 3 weeks later...

Interesting thread as I'm in a nearly identical situation with these muppets,

except that Cash Genie DID default me (for interest which occurred purely because of their practice of breaking their own T&C's by rolling over loans without customer request or consent).

 

 

The default mysteriously vanished from my file about 7 months ago.

Meanwhile MMF have added another one... I'll be watching this with interest!

 

Meanwhile,

is it just me,

or is there something extremely odd about a DCA paying a liquidated company for high-cost debts???

Sounds as bent as a £3-note to me...

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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  • 2 weeks later...

Hi Everyone,

whilst waiting for the ICO & FOS to get involved I lost patience and started a money claim online.

I started the claim for £300 and this cost me £25.

The ICO was just too busy to pick up and the FOS was asking random questions that IMO didn't seem relevant.

 

 

The FOS did say that they should change the date of the default to within 6 months of my last missed payment.

They would not agree that they couldn't issue a default, stating that if the owned the debt they had the right, I disagree.

 

I emailed the CEO of MMF and explained the background, I requested we come to a mutual agreement. I offered to pay what they believed I owed (£300), and also to cancel the ICO, FOS & money claim action.

 

They emailed back accepting the offer,

I paid the £300,

closed the complaints and 14 days later the default was removed.

They was actually very helpful once they knew I was serious.

 

Good luck everyone,

 

ps, when I closed the FOS case I asked him to quickly Google MMF default notice,

he did and although he said he had stay objective, he did say it was very interesting............

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SO you fell for their tricks then baggies. Big time.

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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I don't think so renegadimp, ok so they default me in june 2016.

The FOS & ICO are both pretty much useless,

both claiming that they can issue a default notice.

 

 

The ICO after 45 days still stating that they are too busy..

. At no stage would they agree to remove the default.

The FOS was going to ask them to change the date by 12 months, not really much use.

 

Currently in the process of selling my house and a June 2016 default kills my mortgage outlook.

I decided to create as much noise and go for "its best all round " tactic,

cost me £300, £25 on moneyclaim.

Default removed,

credit score jumped from 470 to just over 800.

 

yes I believe they are wrong,

I would have like to have taken it all the way but at what cost,

not being able to move house.....

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glad you got it resolved

£300 is p'haps a small price to pay to resolve this esp regarding mortgages etc.

 

 

and it might turn out that you could get this back

if things keep going south for MMF

re the recent find and refunds.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?471360-Motormile-write-off-£414m-debt-for-500-000-customers(3-Viewing)-nbsp

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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