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    • woe SLOWDOWN>   your defence is weeks away. (day 33) no there are no templates as each claim is unique. however, if you use our search top right. for say claimform card you'll see numerous versions people have adapted based upon our std holding/no paperwork defence , one of which, might well be suitable.   get CCA/CPR requests running monday and get AOS done now on mcol, you've already lost 10 of your 19days to do AOS   then get reading up as i detailed above the more you read here the stronger we become   dx      
    • Thanks   Is there any good templates that can be modified for the defence?
    • is this letter entitled letter of claim? and comes with a reply pack?   please scan up your original agreement to ONE multipage PDF read our upload guide carefully 
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • The agreement started 11/02/2019  for 47 monthly hire payments   Threat-o-gram : We are instructed on behalf of Hyundai Capital UK Limited T/a Hyundai Finance Contract Hire.  This is inaccurate, as on my hire agreement it says - Owner Santander Consumer (UK) plc trading as Volvo Car Financial Services. Hyundai must be who this other persons agreement is with.   The only will is: Should you fail to make payment of the outstanding bablnce of £5,000, or alternatively provide realistic payment proposals within the next 30 days, we are instructed to issue County Court proceedings against you for the balance outstanding. Such proceedings will also include claim for costs.   Yes I still have my agreement. 
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MMf chasing PDL debt subject to ID fraud - asking for very sensitive personal information

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I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream".

It was a lot of hassle at the time

( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up.


I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name.


"Let me just say that I have never ever applied or taken out any loan in my life other that a mortgage for our home that is now fully paid off".


back in June 2017 I started receiving letters from MMF motormile finance now Lantern, stating that I owed them £250 for another loan from what turns out to be taken at around the same time as the other loans in 2012!

I phoned them straight away and explained what had happened.

But all this did was for them to send demanding letters on a weekly basis!


I forwarded the police action fraud crime number from 2012 thinking that that would be the end of the matter.

But all they do is keep sending me more demanding letters.


Are these people above the law or what!

They keep asking for very personal details e.g bank statements from 2012,

my national insurance number,


photo id from a passport or driving licence.


I'm sure it would be reckless to send such sensitive information to a bad debt collecting company!


(Do they cover their costs by selling on this very useful and very accurate information to third parties?)

It would be very lucrative if they did as they would have all the information to take out a loan in my name!!


What's going to happen in another few years, Am I going to get demanding letters form another bad debt company??


As much I want to clear my name I am very sceptical about about how they would use that information.

I lay awake at night worrying myself to death, I am frightened about what they might do.


I have been to Citizens advice bureau who just say go to police action fraud! its bonkers.


If a company doesn't accept a police action fraud number and the evidence from the time of the identity fraud then they are surly acting above the law!

Edited by Ian-Do
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Firstly, they are nothing other than powerless bully boys who talk the talk but will never ever be able to walk the walk.


There is NOTHING they can do, so don't worry about their silly childish missives, begging for money and information they haven't got the slightest how to process.


You sent them the CRN, now let them hang themselves.


Keep a diary of events regarding their criminal offence of harassment.


Keep ALL of their dumb threat letters as evidence.


There is NOTHING they can do, because they have NO LEGAL authority whatsoever.


Has your credit file been reverted back to how it was prior to the ID fraud?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Moved to the MMF forum


Never ever ring a powerless DC A

They are not bailiff s and have zero legal powers


If this was 2012 cant be far from SB then??

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi many thanks for your reassuring reply.

I wouldn't know how to check a credit file, i really don't want to know.

I don't have credit card and only buy something if I can afford it.


They seem to invest a lot money into their letters delivered to my door.

I am very concerned that the " Nature of the beast is to collect bad debt and they have to earn money anyway they can so they can ply their misery."


With the sensitive information that's being requested they are very probably selling on these details to to third parties to provide some funding.

( You could get a passport with those details! )


What is SB?


Many thanks again, Ian

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if it's not your debt, and was taken out by a third party fraudulently, and they still continue to process your data as being the debtor after May 25th GDPR will be in effect and a complaint to the ICO regarding their breach and continuing processing of your data could well be woeful for them.

We could do with some help from you.



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


The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Ian - I have been through a case of ID Fraud... Its not nice.

The liability is not on yourself to prove your innocence.


Do you have any of their letters / emails?

If so can you post them up minus any personal information? We might be able to help.


We could do with some help from you.


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



Receptaculum Ignis


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I appreciate all your help. I thought I was on my own a few days ago. Many thanks, I have scanned the very first email from mmf in June 2017 last year. This was the first contact from what as a fraudulent loan taken out in my name from 2012.


P.s just found out I need ten posts on this forum until you are allowed to submit pictures!

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we don't want pictures

read upload


ideally you should have blocked the email ad and bounced everything since back

do it now

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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This is the first ever contact from mmf to me in june 2017 (below)

...Which turns out to a bad debt from 2012 ( Note I Have lived at the same address for over 20 yrs so I don't know why they state " previous communications ")


After receiving this letter through the door I called them immediately and explained that I have never taken out any loan in my life.

From that moment on all they are interested in is gaining as much personal information about you as possible inc, wage slips, bank statements, employers details for last six yrs, NI number, D.O.B, Photo id such as passport/driving licence.


As you can see that's an awful lot of sensitive info to give a company who collects bad debt.

That's why after continually receiving these letters I was very upset.

I have sent them explanations of what happened at the time and forwarded the crime ref number.


Dear Ian D Your balance £250


We write further to our previous communications and note that we have yet to receive a reply.

If you have more than one account with us you will find a breakdown enclosed.

Please note that we will not ask you to pay more than you can afford - we are keen to reach a solution with you in line with your finatial curcumstace.

Using our expertise we will help you assess your affordability however to do this we need to speak to you. Please contact us on 0113 887 6876.


Alternatively, if you prefer you can:


Email us with a payment proposal, register a dispute or request a call back on customerservice(at)mmile.com; or

Visit our website on mmile.com to make a payment, submit a financial statement and offer of payment.


Please treat this matter as urgent and take action today to prevent any continuous communication.


Information pertaining to this account may be registered with credit reference agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future.


we look forward to hearing from you within 7 days


your sincererl

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You have 3 options.


- Ignore - Wait for Claim and defend on the basis of Fraud with copies of the signed forms from the other companies.

- Raise to the Original Lender who Lanturn should now advise you off. They need to tell you. And dispute it with them. (There have been cases where the loan is sold to a DCA Portfolio and then gets recalled when xxx Lender know they gone messed up)

- Challenge Lanturn directly via their complaints process, and refer it to their CEO if you get no luck - Challenge with the FOS if they decline and watch them squirm when they realise that they have also gone messed up)


Who is the original lender in this case? I have suffered from a case of ID Theft and also had to deal with PDLs so hopefully i can offer some guidance.


We could do with some help from you.


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



Receptaculum Ignis


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