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MMF/Moriarty - Does a complaint stop a DCA persuing a debt?

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Hi,

 

Just wondering if I make a complaint about irresponsible lending will that halt any action being taken on a debt?

 

Had 3 letters from Moriarty Law re Motormile for old payday loans with Northway Broker Ltd to my ex's mums house. This was in June!

 

Have only just been told by ex's mum that she opened these letters and that she told them I dont live there anymore.

 

The letter states 'In the event we do not hear from you within the next 14 days we have been instructed to issue proceedings without further reference to yourself.'

 

Now as I say this was in June. They havent been in touch since but worried about them going to another previous address and trying to do a ccj there.

 

There are three separate loans -£286.47 £218.75 and £318.96

 

Not sure how to move forward with them any ideas would be great thank you.

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They would have to issue a court claim to the last address you provided. So if you don't want a court claim to go to an old address, you need to provide your new address to them.

 

If you submit a complaint, then yes they should respond to that, before they can chase the debt further or issue a court claim.

 

How old are these loans ?


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moved to the MMF forum


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Im not entirely sure tbh, round about 2012-2013 I think. I stopped paying them all years ago to leave the PDL cycle but seems a few are starting to catch up with me now :oops:

 

Im trying to pull my head out of the sand and get them all dealt with before they all turn into CCJs. And hoping for a few refunds in the process.

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A complaint about the DCA's behaviour (on its own) won't stop them persuing.

 

A complaint about the original lender's behaviour that might lead the alleged debt to be for an incorrect sum (such as irresponsible lending) should stop them : there is a real dispute as to if the sum (or any!) is owed.

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yes have you put in an IR complaint to peachy was it?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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They would have to issue a court claim to the last address you provided. So if you don't want a court claim to go to an old address, you need to provide your new address to them.

 

If you submit a complaint, then yes they should respond to that, before they can chase the debt further or issue a court claim.

 

How old are these loans ?

 

Mmmm not sure about that UB.

 

Andy


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Sorry I never came back to this was without internet and quite ill with kidney issues :(

 

Thanks for the advice given so far.

 

Im trying to tackle all payday loan debts before I have another CCJ to deal with.

 

This one wasnt peachy original lender was swift sterling.

 

I have not heard from them again since they were told I dont live at the address ..

.. Not sure what to do about them.

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irresponsible lending complaint


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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It was swift sterling ... does that make a difference DX? As they were based in Malta ...

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I had a couple of emails from MMF advising that they would be pursuing an outstanding Lending Stream debt and register a default asap. As I have started Irresponsible Lending complaints with Lending Stream and another 16 Payday loan providers, I emailed them and they replied that they would suspend all action for 30 days. After 30 days, they require an update on the progress of the complaints for the debts they are chasing for.

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I had a couple of emails from MMF advising that they would be pursuing an outstanding Lending Stream debt and register a default asap. As I have started Irresponsible Lending complaints with Lending Stream and another 16 Payday loan providers, I emailed them and they replied that they would suspend all action for 30 days. After 30 days, they require an update on the progress of the complaints for the debts they are chasing for.

 

Thanks for the info. I havent heard from them since but thinking maybe I should get in touch with them. As worried about back door CCJ happening. Only problem is I dont actually have an address at the moment ...

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care of address?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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