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This is an interesting one....


I have an outstanding default from MMF (now lantern – ROFL) for a payday loan last paid in feb 2012 (the loan was paid 10 fold over this was the point i said no more). The default was registered in May so its just due to be dropped off my credit file and statute barred, so I thought it prudent to down load a copy to keep on file.


To be honest I haven’t really paid much attention to this one as i had bigger dragons to slay but on printing out the report I have noticed a discrepancy in the reporting with a payment of £1 showing , then disappearing, then showing in Jan , feb and march 2016


2016 138 139 138 :-x138 138 138 138 138 138 138 138 138

2015 139 139 139 139 139 139 139 139 139 139 139


I have learnt a lot of lessons along the way so I am a meticulous record keeper at NO POINT Have I contacted them about this debt, put in a cca request or made any payments. This is blatant false reporting and also means at first glance that i have paid towards the debt, thereby acknowledging it which means it is not statute barred.


I know I should let sleeping dogs lie as they have yet to action this but part of me wants to take action as it is just WRONG - is there anything I can do such as reporting them to the ICO.


They are bottom feeders and use tricks like this to make so many peoples lives so miserable - i want to fight back.

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credit files are NOTHING to do with the SB date.


moved to the MMFforum

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, DCA;s -  would collapse overnight.


DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.



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dont worry,

they have to prove that YOU paid the £1 towards the debt if they want to try and convince anyone it is still alive.

they could report a balance of a groat or a million quid if they wished it wouldnt alter anything.


You can request that the CRA add a short statement to this to reflect the true status or you can instruct MMF to stop reporting but they will probably argue back.


it is well known that creditors are finding ways of false reporting to keep things on people credit files longer.

banks like to not default on current accounts for about 5 years in the vain hope that it will leave a bad mark for the tme after that.

The FCA is wise to this and it doesnt change the law on SB of debts

Edited by dx100uk
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