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    • Yes, my initial view is that @unclebulgaria67 is probably right and that because it was a magistrate's warrant, it would be the energy company that would have been in control of the situation directly. Unfortunately this will be much more difficult to deal with then dealing directly with Marston but anyway if you give us your details as requested, we can at least get Outlook from that direction as well. I'm also wondering about the position of your landlord in this. As you have taken up a tenancy in a particular property then I would have thought that one of the terms of the tenancy would be that you should be entitled to quiet enjoyment. Although the landlord may say that it is not their fault and it is down to the previous tenant, at the end of the day you have a contract with the landlord who has certain responsibilities. I think we may consider involving the landlord in this as well. You say that there have been letters addressed to the previous tenant. What have you done with those?
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    • they say in letter dated 20/01/20 that the agreement was terminated on 30 July 2017 and cannot be terminated twice, so your VT request is invalid. startline issued termination or Default notices on the following dates: letter: 30/03/2017 termination notice  liable for payment: arreaers to date : £365.38 the balance of: £10,586.50 total: £10,951.88 7 days notice else ROG+sums outstanding. ....................... Letter: 11/12/2017 Default Notice nature of breach: instalments of £211.73 due 30th each month. action to remedy: payment of arrears £449.23 by 30-12-17 other info: payments to date: £5226.91 outstanding: £9351.89 less rebate: £2251.41 Amount Due: £7100.48 if you act before 30-12-17 and have paid £7056.90 you can VT. ............ Letter: 27-07-2018 Default Notice refs a dn dated:31/05/2016 - there is no such DN in an SAR return. nature of breach: instalments of £211.73 on 30th each month. action to remedy: payment of arrears £226.73 by 15-08-2018 other info: on or after date 27-07-2018 we shall terminate,withdraw possesion and recoversums due upon termination. total paid: £6250.91 outstanding: £7647.28 less rebate: £1590.47 Amount Due: £6065.81 if you act before 15-08-18 and have paid £7056.90 you can VT. ........................  letter: 01-10-2018 termination notice  liable for payment: arreaers to date : £325.06 the balance of: £6079.75 total: £6404.81 7 days notice else ROG+sums outstanding. ……………………...     NEW ORDER STATEMENTS.pdf Doc1.pdf
    • thank you.   have you had issues paying credit before you took any of these out?   i'e were you keeping a good handle upon your credit file and it wasn't shot with any defaults or payment markers during the period when you applied and were successful in getting any of this additional credit?   my thoughts are ...should the above not be the case and your credit worthiness was good... so couldn't p'haps introduce some irresponsible lending complaints in association to them … it might be an idea to give all your creditors the heads up that times are hard and you wish them to help you, as they are duty bound to do, by freezing interest and any penalty fees to allow you to ride out this present financial hardship till things improve ...   how does that sound...   dx  
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lasek22uk

MMF adding £328 to the alleged Mr Lender debt

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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

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smack of irresponsible lending to me.

 

 

dx


..

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

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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 :(

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

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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?

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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

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

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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

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renegadeimp, thanks! will do now! :)

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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.

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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

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moved to the MMF forum and re titled.

 

 

are they aware of your correct address

have you moved since taking this PDL out?


..

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

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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

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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


..

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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

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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

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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

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Morning all, letters out via recorded delivery.

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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.

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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


..

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