Jump to content


  • Tweets

  • Posts

    • I phoned their solicitor and requested a tomlin order. They said they’re open to it, how much was I offering and on what amount. I said the full amount without interest. She said I had to fill in an income and expenditure form and then she’d mention it to npower and see what they said , but she said they’d be unlikely to agree to the amount less interest and at a low figure, which I don’t know what kind of figure they’d be looking at but it’s limited how much I can offer at the moment.  Am I right to fill in the i and e form? And was I right to offer without interest or should I have agreed to pay that as well?
    • Ah, I just checked my original MCOL claim form which states County Court Business Centre, so this would be a part 7 money only order, and would be issued to defendant's court.   So therefore:   Top of the form I would write: "In the (my local CC) and send it to defendant's court.   Thanks Andy  
    • County court name of which your submitting the N349...which would be your local county court ...your the litigant.   What do I have to do to apply for an order? You must complete form N349 (Application for a third party debt order). You can obtain a copy of the form from hmctsformfinder.justice.gov.uk If your claim is a Part 7 money only claim and was issued in the County Court Business Centre (CCBC) or County Court Money Claims Centre (CCMCC) you should, make your application to the court which covers the defendant’s home address. You can find this online at courttribunalfinder.service.gov.uk   Speak to your LCC for details of payment.   https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/726426/ex325-eng.pdf   https://www.gov.uk/government/publications/form-n349-application-for-third-party-debt-order   Andy
    • Hospital car parks are no place to employ sharks, at least in Wales Hospital parking is free, and PPCs verboten.
    • Update:   A couple of weeks further along, and the charge has now been cancelled. In that regard alone the outcome is acceptable.   In the interim ...  There have been additional demands from CPP/PE in the most glorious and laughable obfuscated prose/legalese I have pressured PALS I have chased past correspondence I have contacted other Execs I have involved my MP who has now acted I had primed the local newspaper who was planning a piece this week   However ...   - PALS didn't respond until I complained in person after almost 2 silent weeks; then promised to help and a couple of days after that advised that the Hosp had said thye had no authority over the Parking Co. I told them the hosp had told them wrong, explained why and pressed them to go back ... since when I have heard nothing despite chasing them. - UHCW Trust Estates & Facilities Dir. is yet to respond, though contact was *only* a week ago. - UHCW CEO/Chief Administrator has never acknowledged/replied-to any of my letters/chases. - UHCW CEO/Chief Admin reacted immediately to MP letter however by passing it and my correspondence to Estates and Facilities Dir to deal with, who in turn replied to MP with cancellation, who yesterday copied that to me for confirmation received this morning.   Passing thoughts ...   - People who could/should have been dealing with it for the injured party elected not to. - PALS has good intentions but is useless if they don't have a leaflet on it - will follow the Hosp line on everything else without questioning their words. - The Trust's Administration is not approach-friendly, in this instance stating "... car parking managed by a Private Finance Initiative Service Provider"  and that therefore  ".. Trust has no power ...  in the processes applied by CPP .." Oh, really?!  - Trust accepted CPP's word that the equip't was not faulty as claimed, not the rather more reliable word of a visitor having been put to considerable inconvenience at 5 a.m.and who went to some length with staff to deal with it instead of buggering off home. - CPP "have agreed (to cancel) as a gesture of good will." WHAT?! THEIR good will? THEY are willing to let MY failings pass and kindly make allowances? Couldn't be more self-delusionarily wrong!   Sadly, I can guarantee that what is actually important in all of this will not get any attention   - providing an alternative payment method for patients/visitors for when the equipment malfunctions ... at any time not just the wee-hours ...  and tell staff ...  and put notices up. - UHCW taking any notice of their culpability in CPP's unlawful breaching of GDPR in accessing keeper details now that it has been brought to their attention. Head In Sand.       All of this comes of course from pulling-up the drawbridge and deny, deny, deny. It is the knee-jerk response of almost all large organisations, but one for which there should be no place in a Hospital Trust that should strongly want to distance itself from uncaring attitudes and irresponsible practises.   Anyway ...   Anyone finding this because of a similar issue of their own, my strongest advice is to heed the advice given to you on this forum - it put me straight on to the right path and got rid of some nervous uncertainties which makes all the difference to peace of mind, something that CPP relies on to add pressure for those who aren't aware of what's what.   My thanks again to all who kindly helped.            
  • Our picks

dorabellaboo

MMF chasing QQ debt subject to iressponsible lending claim from dec 2010

style="text-align:center;"> Please note that this topic has not had any new posts for the last 538 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Dear all

 

I wonder if you can help?

 

Last week I received a letter from our friends at MMF chasing a quick quid loan and threatening a CCJ.

This made me take my head out of the sand and decide to do something

– but I fear I might be too late

 

I had 15 loans from QQ from December 2010 to the last one in (which was an extension of an existing loan taken out in Dec 2011) in March 2012, which I didn’t pay to break the cycle.

 

I have paid over £3k in interest.

I took a loan out every month which was an increase or an extension.

At the time they lent to me, whilst I was on a good salary,

due to mental health issues I was in total financial disarray.

 

I was on a DMP with debts of approx. £38k,

I had 8 defaults and also debts with Wonga (written off) and Payday UK (paid in full).

 

QQ never reported a default to any CRA

(although they did send me a default notice y email in june 2012)

to be honest with sorting out all the other messes I conveniently forgot about them until MMF kindly got in touch.

 

further to the MMF letter I wrote to QQ to complain about IL and had a standard template reply saying its past 6 years so we don’t have to do anything go to the FOS.

 

I also wrote to MMF informing them I didn’t acknowledge the debt,

that the account was in dispute and asking for the loan agreement.

They have agreed to put the account on hold for 30 days.

 

So my questions are

 

1) is it worth going to the FOS after all this time?

I have evidence of my financial state at the time as kept a couple of old Credit reports,

I could get bank statements (not sure if they will help my case due to my salary and borrowing) but cant do this until pay day,

 

2) have I now acknowledged the debt by putting the claim in thus resetting the clock

 

3) as I paid to extend the loan in march 2012 does this count as a new loan (asking as this would be under the 6 year mark?)

 

4) would it be worth just offering MMF a low FFS figure I really do want to avoid a CCJ or default or do they have to wait for the FOS complaint

 

I have worked so hard for the last 10 years to pull myself out of this mess and am nearly at the finishing line ,

I really don’t want to give up without a fight.

TBH i dont want any cash back just acknowledgement that the last loan is unenforceable

Share this post


Link to post
Share on other sites

moved to the MMF forum.

 

pers i'd ignore them

and no they cant put a default on your file if the one placed by QQ has already reached 6yrs and the loan is no longer showing.

 

which account number are MMF claiming you owe money on..

and when did you take it out?


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

Share this post


Link to post
Share on other sites

Thanks so much for taking the time to reply, it is very much appreciated:-)

 

just to clarify a default was never entered at any CRA for this debt but i did receive a notice of default.

 

I think they are referring to a QQ loan originally taken out in jan 12 which i continually rolled forward last payment was made in March 12, but the idiots have sent me the Credit agreement for a previous loan so i am waiting for a bank statement to prove that it was paid but i am guessing they will catch up!!

 

The last correspondence with QQ was in July 2012 when i tried to set up a payment plan - so that would, i guess, be the date from which the statute barred clock starts as the debt was acknowledge in writing - albeit email

 

is it worth going to the FOS for irresponsible lending and should i challenge QQ for the knock back as the last loan WAS taken out with in the 6 year period?

 

MMF have agreed to put my account on hold for 30 days

 

like i said i paid the loan back and well over £3k in interest - i really dont want to pay those cockroaches any more (sorry if i have offended any cockroaches)

Share this post


Link to post
Share on other sites

email does not reset SB.

 

i'd go with an IRL claim to QQ

and ignore the powerless MMF


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

Share this post


Link to post
Share on other sites

that is very useful to know - thank you

 

right onwards and upwards with the FOS

 

thank you for your help

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...