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    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
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MMF - statute barred?

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Hi all.

I've received a lovely email & statement from MMF which reads as follows:

 

CUSTOMER REFERENCE: XXXXX

CURRENT OUTSTANDING BALANCE: £360.00

 

Dear Xxxx

 

We have been attempting to contact you and secure a solution to repay the above account for some time and have been un-successful so far.

 

In light of this and as the matter remains unresolved, we will now instruct our solicitors to commence recovery action.

 

If you prefer to speak with us and resolve this matter before this next step, our offer of help in finding the right solution still stands but you must act quickly to prevent this course of action by calling us today on 0113 887 6876.

 

If you prefer you can email us at customerservice@mmile.com.

 

If you are experiencing financial difficulties please be assured that our specialist team will be able to assist you.

 

Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future.

 

Please find attached your statement of account.

 

If we do not hear from you within the next 7 days we will be left with no alternative but to refer your account to Moriarty Law Limited.

 

Yours sincerely

 

Motormile Finance UK Limited (MMF)

 

Now as you will see from the attached statement the debt relates to 2010 & a company I've never heard of.

On the statement it also has a date of 24/11/2010 - Default Fee.

 

So that means the account defaulted 6 years ago - does this mean it's now statute barred?

 

Should I write back to them stating this, and that any further perusal will result in harassment etc etc?

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Send the prove it letter. Theyve already been reprimanded for this sort of thing.

 

If you dont know the company, dont send the SB, send the prove it letter. If they ignore it, then theyve messed up. Or you could send a prove it letter and say you dont know the debt, and if it was yours it would be SB anyway.


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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sorry forgot the attachment (wont let me edit post)

 

Who are Northway?

Screenshot_20170115-191541.jpg

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send them bugger all

its a phishing email for mugs.

 

as long as the OC was aware of your CURRENT address

 

theres no need for you to do anything.


..

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Sorry for renewing an old post..

email received from BPO "BPO Collections ("BPO") have been instructed by Motormile Finance to recover the outstanding balance of this account"

 

This is a joke, for a start MMF do actually have it on record to write to postal address - so is it a wait till postal receipt, or SB letter?

 

The email was actually sent to my shortened Christian name & surname - not what I'd use for official documents.

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what are a subsidurary of lowells DCA doing chasing an old MMF owned PDL debt?

doesn't made sense

who are BPO's client on their letter?

Lowell don't touch these ever as they are toxic debts....


..

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Customer is MMF

This is some of the email:

Our Client: Motormile Finance

BPO Reference No: xxxxxxxx

Original Account No: xxxxxxxx

Outstanding Balance: £360.00

21/09/2017

 

Important information regarding your Motormile Finance account - Please Do Not Ignore

 

Dear xxxxxxxx

BPO Collections ("BPO") have been instructed by Motormile Finance to recover the outstanding balance of this account which currently stands at £360.00. Motormile Finance have purchased this account from Northway. BPO can help you clear this balance and would like to speak with you to discuss your options. It is important to note that clearing your balance may help to improve your credit rating. Our client, Motormile Finance, has agreed that we can make the following exclusive offer to help you clear your account while making a substantial saving:

 

50% Discount offer. Subject to affordability, if you are able to pay £180.00, we will discount the remainder, meaning you will save £180.00. If you are unable to pay this as a one off payment please contact BPO to discuss your options, as we may be able to accept this settlement over a number of instalments, based on your individual financial situation.

 

 

Bottom of email says its from:

Graham Rankin (Signature)

Graham Rankin

Managing Director

BPO Collections Ltd

 

The reference number on here relates to what MMF purchased from Northway.

Looking on my archived Credit Reports, an Experian one (Ran 01/06/2014) appears the Default Entry for this debt by MMF, for £527 (£167 of charges) that has the account start date of 28/10/2010 and a Default Date of 26/11/2010. Default date coincides with the Default fee that appears in the statement (post #3)

 

By 01/09/2014 the entry has been removed.

 

Is it best to ignore or send the SB letter / email.

 

 

I think why this has reared it's head is due to myself contacting MMF relating to another debt (CFO) that they are incorrectly reporting.

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oh well must be hard up

pers i'd ignore them

its statute barred


..

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Thanks will do.

If I get anything through the actual post (or changes to CRA) to my home address then I'll act.

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