Jump to content


  • Tweets

  • Posts

    • So Guys, After sending the last letter as everyone else  here I got a reply from Moriartylaw with a statement that ADCB instructed them to act on their behalf and a copy of all my credit card bank statements. Not sure what to do now. They want me to respond and supply them with a list of asset and liabilities.    please the attachment of the letter. moriartylaw.jpeg.pdf
    • Okay, let me start again. In terms of planning, is it not enough to say they don't have it since it's not shown on the council site? If not, if I ring Stockport planning would they put in writing that there's no planning?   I could contact the land registry to find out who the land owner is. If I contact them directly maybe they'll tell me if they have a contract in place. If they ignore my request too then should I be doing other things to find this out?
    • I'm trying to work through this step-by-step as I read the story again. There was a dispute over a will in respect of your grandfather's house but the dispute was eventually abandoned and it seems that the house was apportioned to your mother and her brother who presumably were the only two children. The will was unsigned and so we could say that the house passed to the two of them under the rules of intestacy. You then decided to buy the house for £50,000 and presumably the money you paid was divided between your mother and your uncle – you are the owners of the house. This was in 1999. We talking about 30 years ago here and so in respect of most legal questions I would have thought that some limitation period applied. (However the issue of the trust has been raised – and this wouldn't be affected by limitation) However, presumably the house was bought at a proper value given the market at the time and any work that it needed doing. Presumably the house was properly conveyed. Although a lot of things have passed – including home improvements, tenancies et cetera, from the store you have told us, neither your parents nor your uncle have been involved in this at all. Now you have received a letter from your parents saying that the house is really theirs and that you have simply been holding it on trust for them and they now want it back. Is this a reasonable summary of what has happened?   Although you have written a fair bit about bills, tenancies, and that you have lived in your parents home for some of this 30 years, I'm not sure what relevance that has to the problem. I have to say that your explanation is very unclear. A bit rambling in fact. If you think that part of the story is relevant then maybe you'd like to express it all a little more clearly and say in what way you think it is relevant to the problem. You are much more familiar with the story then I am but I don't see that those factors are terribly important on the brief understanding that I have. if if any money is owed to your parents because of you having lived with them et cetera then it seems to me that that is a separate matter and has nothing to do with your ownership of the property. You say that you have received a letter from solicitors claiming first of all that there is a constructive trust or that you might be subject to a proprietary estoppel. In terms of the estoppel, that doctrine is only available in very particular circumstances and could not be used to attack you in any event. Estoppel, whether it is proprietary or promissory can only be used as a defence. So the question of estoppel in this situation is completely irrelevant, in my view, although I don't see any basis for one in any event. So what remains is the possibility of a constructive trust. It seems to me to be highly unlikely that there is such a trust and I think that the first question needs to be asked is on what basis they consider that there is a constructive trust. Secondly, of course, even if there was a constructive trust, on the basis of what you have told us, it wouldn't only be your mother who was the beneficiary, it would also be your uncle. Furthermore, if you were a constructive trustee then at the very least you would be entitled to recover all of the expenses that you had laid out over 30 years – including the cost of the property plus interest – less any financial benefit that you had accrued from renting it out and so forth. I'm not sure how good this analysis is. This is well out of my experience – but I would suggest that you consider it and see whether any of it rings true. I would also start making a very detailed account of all the money which you have spent over the years on the property and also a detailed account of all the benefits you have accrued from it. I would supply this to their solicitor that if you end up having to instruct your own lawyer then I'm sure that you may be asked for this if there is any suspicion that a constructive trust may exist. Frankly it sounds like a load of rubbish to me that we will be very interested if you will keep us up to date. So there you have it. No particular answers. Just a few unsupported and unqualified opinions    
    • Hello and welcome to CAG.   I agree with dx, hiring a lawyer is unlikely to help as most of them don't understand fare matters, so you end up paying for their learning curve.   Your idea about involving your GP is a good one, it sounds as if you need their input with how you're feeling. And if they would write a supporting letter that could help too. Hopefully your medical information will be through in time.   HB
    • In the very first claim thread it mentions contacting the claimant is encouraged by the court etc. I was thinking about contacting them and asking about a Tomlin order to put an end to all this, at least I'd be able to stop worrying and maybe get some sleep (currently 4.52am) 😴
  • Our picks

lasek22uk

MMF adding £328 to the alleged Mr Lender debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 703 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello CAG Members,

 

I hope you can help.. I just returned home while being away for few weeks and I received 3 letters from mml and moriaritylaw.

It looks like to me mml and moriaritylaw work together and this is in relation to the same debt.

 

So 1st letter is from mmf - dated 27/06/2017 demanding payment for their client 405.00

 

Then 2nd letter - dated also 27/06/2017 demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50

 

Then 3rd letter - dated 13/07/2017 - Final demand before proceedings, demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50

 

Long time ago i toke a Pay Day Loan with Mr Lender and I paid it off however i was late and I think by one month.

I pulled out my recent credit file and Mr Lender is there and status of account is 'Closed'.

 

I'm nit sure what to do next. There is no default on credit record, account status closed - settled.

Please help :(

 

I looked carefully through letters and it looks like those are for 2 debts..

So 1st letter (debt) is from mmf - dated 27/06/2017 demanding payment for their client 405.00 owned to CFO Lending.

 

Then 2nd letter - dated also 27/06/2017 demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50

 

Then 3rd letter - dated 13/07/2017 - Final demand before proceedings, demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50

 

Looking into my credit report I have only entry from Mr L and as closed / settled.

Nothing on CFO Lending.

 

I think I might have this loan but then stopped paying as I was rolling loans to cover other loans...

help please... :(

 

Apologies, here now in one multipage pdf.

Letters.pdf

Share this post


Link to post
Share on other sites

smack of irresponsible lending to me.

 

 

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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thank you dx, so what would you suggest? next steps? thank you...

Share this post


Link to post
Share on other sites

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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thank you dx, so their program ended in February and I never received letter or email from them. I was looking on CAG for redress package but I can't find it :(

Share this post


Link to post
Share on other sites

really not sure why my autolink posted about vodaphone...

 

 

 

 

CAG Guide To PDL Reclaims


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thank you dx, so will read it and I will start ball rolling :)

Share this post


Link to post
Share on other sites

Hi,

Can MMF add extra costs? They bought debt from Mr Lender, then sold it to Moriarity Law.

The debt is for 450 but they are asking for almost £780?

It look like DCA added extra £328 to the alleged debt... :( can they do this?

Share this post


Link to post
Share on other sites

Nope. They cant. Wont stop them trying though. Theyve already been reprimanded for it and had most of their powers stripped from them.

 

But MMF are the shadiest dca their is. They'll keep doing it.


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

Share this post


Link to post
Share on other sites

Thank you for prompt response renegadeimp, is there polite letter I can shoot or shall I speak with FCA authority and complaint to them?

Share this post


Link to post
Share on other sites

Just tell them straight ( they wont listen anyway), and inform the FCA.

 

 

I bet you when theyre caught out, theyll say it was an admin error. Thats their usual trick, and many debtors simply bend over and accept it.

 

btw, MMF rarely chase legit debts. They normally chase PDL debts. Time to do your homework.


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

Share this post


Link to post
Share on other sites

The alternative is to ignore it.

 

 

The more they add on unlawful charges the less chance there is they will take you to Court.

And more important the greater the chance they will lose in Court as if the amount claimed is wrong the whole case is thrown out.

 

I f you do want to complain then go the FCA route.

Do not waste any time or money on MMF.

 

 

You would be telling them something they already know and don't care about.

 

 

Also the first thing they will know about it is when the FCA contact them.

That gives them less time to cover their tracks or find excuses.

Share this post


Link to post
Share on other sites

Thanks lookinforinfo. I'm slowly getting there. Now I have reponse from Mr Lender saying that loan was for £450, I paid back £157 so that in total £293, HOWEVER they added charges extra costs etc, so in fact DCA added not £328 but £485.

 

Mr Lender own words:

 

You borrowed £450.00 and have only repaid Mr Lender £157.50 back, due to non payment your account would have incurred missed interest and late fees on to the balance.

 

The interest applied to your account was in line with the regulations at the time they were approved. Furthermore, all interest and charges were disclosed at the point of application and available on your Consumer Credit Agreement which you would have signed, agreed to and were emailed to you for your reference. All fees and charges were clearly detailed in your Consumer Credit Agreement. This would have included the circumstances of which you could incur any additional charges and at what cost.

 

We hope the above give you a clearer view on your account. If you wish to raise any further concerns, we would be happy to assist you.

Edited by lasek22uk
correction

Share this post


Link to post
Share on other sites

moved to the MMF forum and re titled.

 

 

are they aware of your correct address

have you moved since taking this PDL out?


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

yes they are and I moved place some time ago. Did standard post redirect. have never had anything back from them

Share this post


Link to post
Share on other sites

Dont ignore it. Do your homework. MMF have a nasty of habit of going to court if they think they can get a judgment by default against a confused debtor.


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

Share this post


Link to post
Share on other sites

send them a CCA request

simply for the fact that they will then have your correct address

and not get for a backdoor CCJ.

same with any others


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ok I won't ignore this, I already started conversation with them via emails.

They are saying that they are working on my request.

MMF replied back on 08/08/2017 as:

 

Dear xyz

 

Thank you for your email.

 

I have requested a copy of a statement of account from our Customer Support team and this documentation should arrive with you in due course.

 

____ END ___

 

I guess, once they provide some info and not in full it will me me sending CCA request and £1 payment

 

thank you..

Edited by lasek22uk
correction

Share this post


Link to post
Share on other sites

CCA request

stop emails


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

agree with dx. Get the CCA off and they cant ignore it. You think you are doign the right thing. MMF and every other DCA couldnt care less about you or the law. They will do anything to try and get money from you.

 

Play things by the book and not what you think is the right thing to do.


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

Share this post


Link to post
Share on other sites

Thanks all, I will print those for all those accounts MMF 'kindly' provided me this morning claiming they responded a week ago.. anyway this is whole set of bugs..

 

- Mr Lender, payday loan - MMF ref: xyz date of default: uknown

original amount owe £450.00

current outstanding £787.50

 

Date Description Credit Debit Account Balance

04/06/2013 InitialLoan £450.00 £450.00

04/06/2013 InitialFee -£10.00 £440.00

04/06/2013 InitialFee -£7.00 £433.00

04/06/2013 InitialFee -£17.00 £450.00

04/06/2013 Interest -£157.00 £607.50

24/06/2013 Payment -£157.50 £450.00

24/06/2013 Interest -£157.50 £607.50

25/07/2013 Fee -£20.00 £627.50

26/07/2013 Fee -£20.00 £647.50

31/07/2013 Fee -£20.00 £667.50

27/08/2013 Interest -£212.62 £880.12

17/03/2015 AdjustmentDebtADTEC -£92.62 £787.50

 

 

- CFO Lending, payday loan - MMF ref: xyz

date of default: uknown

original amount owe £405.00

current outstanding £405.00

 

Date Description Credit Debit Account Balance

02/07/2013 Principal £405.00 £405.00

02/07/2013 Interest £145.80 £550.80

22/04/2016 RedressWriteDown £40.00 £510.80

20/05/2017 AdjustmentDebtNoAAdjustment £105.80 £405.00

 

 

 

MMF as well provided those as well.. :(

 

 

- Quick Quid, payday loan - MMF ref: xyz

date of default: uknown

original amount owe £650.00

current outstanding £987.00

 

 

Date Description Credit Debit Account Balance

31/10/2008 Principal £650.00 £650.00

31/10/2008 Interest £325.00 £325.00

 

 

- Northway - Pounds Till Payday, paydayloan - MMF ref: yxz

date of default: uknown

original amount owe £450.00

current outstanding £212.82

 

 

Date Description Credit Debit Account Balance

01/05/2008 Principal £450.00 £450.00

01/05/2008 Interest £134.91 £584.91

01/05/2008 Fees £59.00 £643.91

07/05/2014 TotalPaymentmadetooriginallender £431.09 £212.82

 

 

- Speed Loan - paydayloan - MMF ref: xyz

date of default: uknown

original amount owe £900.00

current outstanding: £984.00

 

Date Description Credit Debit Account Balance

10/09/2009 Principal £900.00 £900.00

10/09/2009 Interest £684.00 £1548.00

13/08/2017 TotalpaymentsmadetoMMF £600.00 £948.00

 

Final word.. I feel so stupid and shame on me that I put myself in spin of PDL. But I was taking selfishly one to cover other one etc etc..

Edited by lasek22uk
correction

Share this post


Link to post
Share on other sites

Hello all,

As I as well complaint to Mr Lender after doing my homework an email has arrived today directly from Mr Lender with details as follows:

 

- Mr Lender, payday loan- MMF ref: xyz date of default: uknown

original amount owe £450.00

current outstanding £787.50

 

Date Description Credit Debit Account Balance

04/06/2013 InitialLoan £450.00 £450.00

04/06/2013 InitialFee -£10.00 £440.00

04/06/2013 InitialFee -£7.00 £433.00

04/06/2013 InitialFee -£17.00 £450.00

04/06/2013 Interest -£157.00 £607.50

24/06/2013 Payment -£157.50 £450.00

24/06/2013 Interest -£157.50 £607.50

25/07/2013 Fee -£20.00 £627.50

26/07/2013 Fee -£20.00 £647.50

31/07/2013 Fee -£20.00 £667.50

27/08/2013 Interest -£212.62 £880.12

17/03/2015 AdjustmentDebtADTEC -£92.62 £787.50

 

 

_______________________________________________

Dear Mr yxz,

 

Thank you for your email and sorry about the delay in responding to you, we have been waiting on MMF to advise the information on your account.

 

They have confirmed the below;

 

Outstanding balance: £787.50

Payments: No

Adjustments: £92.62

 

If you are stating that the loan was unaffordable, as a gesture of goodwill Mr Lender are able to support you by requesting for MMF to reduce your balance to the capital remaining left to pay of £292.50. This will mean you wont pay any interest on your loan.

 

Once the balance has been settled then we can also remove any adverse information from your credit file as a further gesture of goodwill.

 

If you wish to accept this offer, in order for us to close your complaint and take the appropriate steps to discount your balance, please confirm to the following;

 

You are satisfied with the resolution of this complaint and deem it fair and reasonable

You accept that this is a full and final offer

Following your acceptance of this offer you understand that this complaint has now been resolved and no further action is required

 

---------------------- END ----------------------------

 

BTW - still waiting for CCA from MMF about account.

Share this post


Link to post
Share on other sites

how does that sound to you?

 

 

as it stands your credit file now shows £292.50

and is most probably stuffed full of other defaults anyway

so this is not harming you more

 

 

when/IF MMF provide the CCA and its enforceable

pay it off?

 

 

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

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...