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    • Defence submitted. On my clear score report there doesn't seem to be any date of default noted, nor can I see where that might appear. When they responded to my CCA and CPR requests they didn't give me a default date either. So, what happens now? Is it likely that I'll actually have to go to court over this?
    • Hi Andy, thanks for the reply. I guess I will need to get copies of the agreement to check that, which may take some time.   What do you suggest I should I do in the interim, as I'm conscious the clock is ticking on needing to AOS?
    • Hi everyone    ive had a card in an envelope hand delivered today from Resolvecall asking me to contact them urgently.   i want to ignore it but I’m not sure that’s the best thing to do?   i had some issues some years ago which have now all been resolved to my knowledge. Anything that I may have overlooked will be way over 6 years, I now have a very healthy credit rating with nothing on any of my credit files.   I have no idea what these people want and this is the 1st contact.    can someone point me in the direction?   thanks    mike 
    • I've been reading up on cases, especially the HSBC vs. Carey. Am I missing something?  It appears to be the conclusion that the decisions in this case meant that regardless of what date  credit agreements were entered into, a claimant no longer needs to produce a signed copy - or even original copy.  It appears that a reconstituted copy of agreement is acceptable by a court and any judge that seems to be swaying towards using it as a reason to find against a claimant could easily be reminded or prompted by their solicitor.  How do I defend my case to be any different?  It will clearly be a case of :   It looks like you probably had a credit card. They've produced a copy of original agreement and added your name and address - so that's good to go. They've got a statement showing a balance outstanding. Therefore, game up - why are you even bothering to defend?     I am working on my "Formal defence"    Can I just ask for some "bullet points"   So far - my main arguments will be that the requested "credit agreement" is not a credit agreement - it is a barely legible application form - which does not bear any account numbers which correspond with the statements produced by the claimant nor match the agreement number included in the original claim (POC).  Secondly, as helpfully highlighted by DX, their WS is relying on a screenshot of "the claimant's predecessors system screen" to show that a default notice was issued on 08/06/2010; clearly there is no copy of said Default notice. Other items I have up my sleeve - should I include? - are the discrepancy in the amounts owing between the Assignment notices - Lloyds stating a figure in excess of £6k (dated 29/6/19) and a letter from Hoist informing me of this assignment but stating an outstanding amount of £4.5k (the amount of the claim).  Clearly, the lack of reference numbers - i.e. their claim does not match the 16 digit credit card number shown on the numerous statements they have included in their WS. And do not match a number shown on the blurry application form. Also, the application form is dated 1998, the first statement they provide is 2010 - can I use this gap/lack of evidence in my favour? I notice on my "illegible" application form there was a reference to "credit card payments insurance" (I assume this is PPI) - during my research, I'm sure I read that any t&c provided should also include this - I notice their seven added pages make no reference to PPI - which even if I didn't take it out would surely have been needed to be included?   So - just to summarise - is it the "poor quality credit agreement"; the fact that they haven't even declared that they are producing reconstituted copies of t&c and the lack of default notice having been issued - well lack of copy?   On the flip side - where do I stand in terms of the payments I was making - allegedly to this account - via Robinson Way? Is that a case of acting dumb/naive?   Thanks very much everyone.   Barafear.    
    • it sometimes takes a good while for all related entries to be removed.   dx
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Mexel

MMF/Moriarty Law letters re old wage day advance PDL

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Hi, just looking for some advice,

 

about 4/5 years ago I got in a circle of getting pay day loans to pay off other payday loans.

 

Long story short, I paid off most of these about 18 months ago (after they had being passed on to debt collectors)

 

I have since being able to buy a property with a mortgage (even know my credit still isn’t the best).

 

I was shocked today to get a letter to my new address from a company called Moriarty Law acting on behalf of Motormile Finance.

 

They state they even sent me a letter last month (which they definitely did not) this is the first one I have ever received.

I don’t even know when this loan was how much it was for, nothing.

 

I’m a bit confused because I owed that many company’s money a few years ago the only way to know who I exactly owed money to was from looking at my credit report and going from there, this wasn’t (and still isn’t) on there is it had completely come out the blue

 

. I’m just looking for some general advice before I phone them?

 

Someone has mentioned the three letter process, I’ve looked that up, would that work for this? Thank you for any help you can give me.

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Never phone these companies. This is just a threat-o-gram and they may never issue a court claim. I am not sure they are even a separate legal firm and may just be a trading name used by MMF.

 

If you want to send them a letter to obtain the information, send them a CCA request, which is linked to. If you don't send recorded delivery, get proof of posting and remember to enclose a postal order for £1 postal order as the statutory fee due for such requestd.


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No Moriarty Law are a separate traded firm. Merligen Investments also use them.

They are a trading name of HK Legal - HKH Kenwright & Cox

 

In short of it they do issue claims... Ive found them to be quite litigious in many cases but nothing short of BW Legal...

Just keep an eye out if a claim does come through.

 

If a claim form comes through the door - Come straight back here - We can help you defend.


**Fko-Filee**

Receptaculum Ignis

 

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So for now,

just ignore them?

 

Don’t do the 3 letter process?

 

I just don’t want a CCJ against me.

 

If I get a claim form through,

 

is it too late then,

 

l I get a CCJ?

Edited by Mexel

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Hello therre.

 

I don't think the three letter process is one we recommend, but please wait for others to comment.

 

HB


Illegitimi non carborundum

 

 

 

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Okay thank you!

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:)

 

Do you remember where you saw the three letter process please? Was is another website?

 

HB


Illegitimi non carborundum

 

 

 

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I can’t actually remember, I googled a few things and that come up, I registered on this forum though as I couldn’t get many answers from google, this site seemed the best way to get help.

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We think so. :)

 

I'm sure the guys will be along later to advise you further.

 

HB


Illegitimi non carborundum

 

 

 

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Forget the stupid freeman of the land 3 letter process

Absolute twaddle.

 

Please don't ring or pay powerless DCA's

They are not bailiffs

H

And have no such legal powers

 

Who was the original loan with?? Peachy??

 

Dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Moved to the MMF forum

Loads of like threads here

I've removed that letter you put up

 

Can you pop it back up as a PDF please

Click upload


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 

 

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The original loan was with wage day advance. Here is the PDF image of it (hope I’ve done it correctly)

PDF Photos 2017-08-18.pdf

Edited by Mexel

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Hidden as ref numbers showing


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 

 

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Does this mean I have to upload it again? Cheers

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I wouldn't sweat over it

 

Have gku moved since taking this and other credit now debt out that remains unpaid?


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 

 

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I moved house last year, the debt this is for would have been about 5 years ago in a different address.

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and ofcourse they are not aware of your correct address

as you've not legally informed them??

 

you are in danger of a backdoor CCJ that you'll know nowt about.

 

CCA request time


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 

 

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Yeah they have got my new address, some how! Thanks for the help, I’ll go ahead and ignore them if anymore contact is made until I get a claim form. Thanks for all the help so far :)

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nope

read my post again


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 

 

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I’m a little confused to be honest so I should make contact with them, but through the post? And request the credit agreement using the template in that post?

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The owners of a debt are allowed to use the last known official address for a debtor, to send the court claim to.

This might be the previous address to any address they have traced you to and sent letters.

 

At the moment MMF/Moriarty have had no official confirmation you live at the address they have written to you at, because you have not responded.

Therefore they could have reason to issue a court claim to your previous address and you might not then be able to defend it, because you never received it.

 

dx suggests you send a CCA request to MMF confirming the address you are now living at.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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well mores the point - the CCA request will kill two birds with one stone.

 

 

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 

 

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