MMF/Moriarty claimform - old Northway [pounds till payday] PDL debt

[AZZAHS]

Morning All

I have just got back from a business trip (been away 6 weeks).

 

 

On opening my post I have come across a Claim Form (Northampton Court) filed by Moriarty for the Claimant (Motormile).

Debt is for 859.33 plus interest (928.07) plus court fee (60.00) plus legal rep's costs (70.00) - total 1058.07.

 

 

Can someone please help as to how I should respond because I believe as this was issued on 15 August I have very little time to do anything about it.

 

 

I had been getting letters from Motormile and then Moriarty for a while but have ignored all.

 

 

Worried!!!!

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**

 

 

please complete the above

 

 

numerous previous claims by these two here already

[AZZAHS]

Name of the Claimant ? Motormile Finance

 

Date of issue – 15 August 2017

 

What is the claim for –

 

 

1. The defendant owes the claimant £860 under a regulated loan agreement with Northway Broker Ltd dated 23/12/2011 and which was assigned to the claimant on 09/05/2014 and notice of which was given to the defendant on the 09/05/2014 (debt).

2.Despite formal demand for payment of the debt the defendant has failed to pay

and the claimant claims £860

and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 8.00% per annum amounting to £69

 

What is the value of the claim? total amount £1060 (including costs)

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? payday loan

 

When did you enter into the original agreement before or after 2007? the first loan was pre 2007. the last 23/12/2011. each month i paid the full amount and was then given a new loan the same day or day after

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. original creditor was pounds till payday and then passed to motormile

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? i remember receiving letters saying motormile now had control of the debt. do not recall a notice of assignment

 

Did you receive a Default Notice from the original creditor? not that i recall

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? not that i am aware

 

Why did you cease payments? became out of work for 3 months and could not pay back loan on date. debts then spiralled (other payday loans etc)

 

What was the date of your last payment? last payment to PTP was on 21/11/11 in full payment of previous loan

 

Was there a dispute with the original creditor that remains unresolved? only for the loan amount

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? during the time of unemployment i was involved in a plan with "money-managed", they were paying my payday loans an amount each month. i assume PTP was included in this.

i haven't found a list of the ones included but assume that PTP would have been

[dx100uk]

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx

[AZZAHS]

Thanks for your prompt reply.

 

I have just found a list of the creditors I was paying through Money Managed and PTP was definitely on there, although small amounts paid.

 

Looks as if I was making payments to Money Managed for approximately 1 year until they seem to have "dissolved".

 

Do you know of this firm (money-managed)?

Edited August 29, 2017 by AZZAHS
typo

[dx100uk]

fleecing fee charging DMP providers

99% of what you paid them went in their pockets via management fees.

[dx100uk]

looks like they were recommended by lending stream/poundstillpayday/ to many people too

[AZZAHS]

thanks. not surprised !

[AZZAHS]

Hi.

Not a good update on this probably my own naive fault.

 

I done all as advised - sent AOS, CCA and CPR 31:14.

Heard back from MMF with document within the 12 days.

Did not receive any documents back from Moriarty until 9/1/18.

Had a couple of letters in between from Moriarty about setting up payment before judgment is entered etc etc - which I chose to ignore.

 

I then received judgment from court on 15/2/18 and am ordered to pay the claimant the amount owing in instalments of £25.

 

I assumed (wrongly) that after sending the AOS and the letters that I did not have to do anything until/if I received this documents back.

 

Apparently I can now do nothing except pay the whole amount (to stop the judgment going on my credit history etc) or if I want to dispute the judgment it's going to cost me £250. Or obviously I just pay the £25 month and get a black mark on my credit.

Anything I can do?

Thanks

[dx100uk]

Doh!!

 

Shame you didn't read around and that sunk in...

 

You need to pay the whole amount within 28 days else ccj is their for 6yrs paid or not