MMF/moriarty claimform - old Quid Quid PDL Debt

[bloodline67]

Thanks Andy, I’ve just a couple of questions.

Does it matter that MMF have not sent me a copy of the original creditors default notice and also that they never sent out a PAPDC (Pre Action Protocol) letter?

[dx100uk]

PAP not really?

But the DN can't be a fake no

 

So you know what they sent is not the OCs DN?

[AndyOrch]

Well PAPDC (Pre Action Protocol) is very important.......Default Notices not so.....most if not all never did retain copies of the actual default notice .....they may do now subject to age of the agreement but providing they can evidence from their systems a breach and issue of said notice...then most courts would accept that one was issued.

 

If you have the original then that gives you the upper hand......providing there are any errors.

[bloodline67]

Thank you, I was just weighing up the odds if it was worth going to court or agreeing something in the mediation. So apart from the DN would it be worth me going to court just on the fact that they didn’t supply me with a PAPDC?

[AndyOrch]

Well considering the value of the claim Im surprised the claimant has issued the claim...it will cost more than the debt to proceed to trial.

 

Moriarty do not do court and will issue a notice of none attendance and rely only on written evidence statement...(cheapest way of litigating).

 

See if they actually participate in mediation first...normally mediation does not happen ...so let it progress to allocation/directions and see how much the claimant is committed if they comply with the directions.

 

 

Andy

[bloodline67]

Sorry for the above post my copy and paste want working properly.

My question was, do you think that they won’t attend the mediation even though it’s booked for this Friday and if they do what should I do, see if they make a good offer or proceed to court.

I know you can’t really advice me on what to do but I just need to know if it would be worth proceeding to court or not.

[AndyOrch]

Already answered in my last post

[bloodline67]

Thank you for you time Andy I really appreciate it.

I’m sorry if you felt that you had already answered my question I’m just very worried about how to proceed and just wanted some clarity on the situation.

[AndyOrch]

Well I doubt mediation will happen as per my last post...If it does its your choice if you wish to make an offer and agree a settlement....and as for proceeding...as above...see if they comply with the courts directions as per your Notice of Allocation.

 

If a claimant fails to comply with directions...IE does not serve it witness statement and evidence on you by the stated dates its a good bet they wont proceed and issue a notice of discontinuance.

 

Moriarty do not attend court for any claim..they always rely on a statement in their absence

[bloodline67]

Just to let you know as I was going through the letters I received from moriarty law I found the PAPDC, don’t know how I missed it first time. Does that affect my case?

[AndyOrch]

Its not major they cant prove you did receive it.

[bloodline67]

Hi Andy, just thought I’d let you know how the mediation went today.

 

Surprisingly MMF actually attended the mediation,

the mediator was very good and helpful, and I felt under no pressure to agree to anything.

 

I decided after I had my questions answered and took all the information in that for me the best thing was to agree on a settlement.

 

I managed to get £190 taken off the total and the payments on my terms, so not a complete victory but one that was best for me.

Once again thank you all for your help.

[dx100uk]

So you paid for half of a free holiday for one of theMMF staff

 

Should have gone to court as they never turn up anyway

[bloodline67]

Hi dx, your comments aren’t really that helpful, offering advice like that after the event just makes me feel worse than I do already, this whole thing has been really stressful and was making me feel ill. By all means comment on my post but please think carefully about what you post and how it might affect the person involved.

[dx100uk]

Being stressed is no reason to blindly get mugged

Being scared of powerless DCA's is pointless

They are not bailiff s

 

For other readers too....

 

However you could have a bigger laugh at all of the if you go start some irresponsible lending complains BB

[bloodline67]

Are you purposely trying to make me feel worse or don’t you really care how your comments may come across?

[dx100uk]

No I am making sure readers of this thread understand that they never turn up and if you do..They lose by default

 

By the last laugh comment - that's for you big-time to have the last laugh over them - go do An IRL complaint against QQ and probably get paid back more than what you've just paid out

 

If you had other PDL's and or there were defaults or bad credit on your credit file at the time you took ANY PDL out -go read this

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?472423-CAG-PDL-Reclaim-Guide-Indepth-Step-By-Step(1-Viewing)-nbsp

[bloodline67]

Sometimes a post just like a text message can be taken the wrong way and my head is not in a good place at the moment. Sorry if I bit your head off.

 

I appreciate the link you’ve attached and once I feel able to digest its contents properly I will give it a good read, I have lots of old PDL and a few outstanding ones as well as 3 credit cards and provident loans as well So this could be very helpful.

[dx100uk]

BB it doesn't bother me in the least

wouldn't and doesn't make any difference if you were my worst enemy id still bend over to help

 

take the money away from DCA's is the name of the game period.

 

if everyone stopped paying DCA's tomorrow

the whole industry would collapse over night

[AndyOrch]

Hi Andy, just thought I’d let you know how the mediation went today.

 

Surprisingly MMF actually attended the mediation,

the mediator was very good and helpful, and I felt under no pressure to agree to anything.

 

I decided after I had my questions answered and took all the information in that for me the best thing was to agree on a settlement.

 

I managed to get £190 taken off the total and the payments on my terms, so not a complete victory but one that was best for me.

Once again thank you all for your help.

 

Well done

 

You have to do what you feel is correct for you and you are comfortable with....avoided a CCJ anyway and halfed the debt.

 

Regards

 

Andy

[brassnecked]

Well done

 

You have to do what you feel is correct for you and you are comfortable with....avoided a CCJ anyway and halfed the debt.

 

Regards

 

Andy

And still leaves the door open to go after QQ on irresponsible lending.