Found MMF Moriarty CCJ for a Mr Lender PDL i never had - susdpect ID Fraud

[ehp_kotf]

Good evening, 

I have recently checked my credit report due to finally being settled after years of on and off homelessness and wanting to see where my finances are at and wanting to move forward with my life.

I discovered a CCJ on my file for £353, which was entered on the 8th August 2018.

I contacted Northampton Court about this as on the register it appears assigned to a MS which immediately set alarm bells ringing as I am MR .

 

They informed me the judgement was from a solicitors firm called Moriarity Law who had purchased the debt from Motormile Finance who had bought it from the original company PDL Finance who were trading as Mr Lender.

The person i spoke to on the phone from Northampton Court then told me he could email me across the judgment information which he did.

It states:

Quote

 

Claimant MOTORMILE FINANCE UK LTD (MMF)
Claimant Solicitors MORIARTY LAW, phone 0203 126 4544, reference 

Particulars of Claim

THE DEFENDANT OWES THE CLAIMANT £237.50 UNDER A REGULATED LOAN AGREEMENT WITH PDL FINANCE LTD T/A MR LENDER DATED 04/09/2013 AND WHICH WAS ASSIGNED TO THE CLAIMANT ON 11/12/2013 AND NOTICE OF WHICH WAS GIVEN TO THE DEFENDANT ON THE 11/12/2013 (DEBT).

 

DESPITE FORMAL DEMAND FOR PAYMENT OF THE DEBT THE DEFENDANT HAS FAILED TO PAY

 

AND THE CLAIMANT CLAIMS £237.50 AND FURTHER CLAIMS INTEREST THEREON PURSUANT TO SECTION 69 OF THE COUNTY COURT ACT 1984 LIMITED TO ONE YEAR TO THE DATE HEREOF AT THE RATE OF 8.00% PER ANNUM AMOUNTING TO £19.00

 

Now, I dont recall ever having had a payday loan from this company, infact the only time i have ever had a payday loan was from a company called QuickQuid which was repaid and i swore never to use one of these companies again.

 

I must mention at this point that I have been a victim of impersonisation in the form of a current account and overdraft being opened online in my name.

I discovered this at the same time as the CCJ but the bank in question (Nationwide) were brilliant and immediately launched a full investigation which concluded that the account had indeed been fraudulently opened in my name and have closed the account and informed the relevant CRA of this in order for it to be removed form my file.

I am concerned this payday loan may be linked to this as I have never even heard of this company I have supposedly had an agreement with.

What is my best course of action?

I would like this information struck from my credit file as had i received the court forms (they were sent to an address I had been temporarily living at whilst homeless but had left 9 months prior to the judgement date and was living elsewhere and registered on the electoral roll form the March before the judgement)

I am at my wits end in regards to this as I have no idea what to do about it and am highly concerned that either bailiffs will turn up at my home or that they will get an attachment of earnings or similar. I have not contacted Moriarity Law about this and am unsure if i should?

Any advice would be greatly appreciated, sorry for the rambling and somewhat chaotic situation!

[dx100uk]

can you prove you were living elsewhere sept 2013?

 

stop fretting about bailiffs

they have zero rights of entry on consumer credit CCJ.

 

MMF now Lantern and moriarty were specialists at getting backdoor or fraudulent CCJ's for old PDL debt

[ehp_kotf]

Only through the information the electoral register could I prove I was living elsewhere at this time I think, I was living in a council house in 2013 so could potentially contact them to see if they still have evidence that proves when my tenancy was held with them

[dx100uk]

great that's brilliant

give their Council Tax unit a call tomorrow

get them to email you by PDF some sort of bill or proof of payment to them for the time the Loan was taken out.

 

when you have that, it should be an easy job for us to persuade Lantern to remove this CCJ by mutual consent free of charge to you.

 

thread title updated to better reflect your issue

[ehp_kotf]

Awesome, thanks for the adivce! Ive also just remembered that my address history with the DVLA should also reflect this! 

 

I will post back when I have this information! Thanks again for the help

[dx100uk]

ctax would be better,

dvla is not really proof.

 

dx

 

[ehp_kotf]

UPDATE: I have just spoken with Moriarity Law who said the entry of MS was just a type - fair one.

I have also asked them for all information relating to the account, they conveniently didnt have access to any of the information held for the account, they have informed me they have referred it back to the original creditor to gain more information such as credit agreeements, etc. 

I have also spoken with the original creditor - Mr Lender about this account.

They have categorically stated I do not nor never had have had a loan account with them!

Now, im not sure if this would be because the original account was taken out in 2013 so would no longer be showing on their systems but it has still added yet more confusion to this CCJ saga!

Am now just awaiting all information in relation to this account to be sent to myself.
 

[dx100uk]

we didn't say to ring ML yet.

 

1 hour ago, ehpoyntz88 said:

UPDATE: I have just spoken with Moriarity Law who said the entry of MS was just a type - fair one.

 

MS?

 

you need to prove you were not resident at the address at time of take out, ie it was ID fraud, then the rest is all pointless.

[ehp_kotf]

May have jumped the gun slightly on that, I have realised since my original post that I was at my mothers address from 2012 to mid 2014 so I wont be able to get any proof from council tax, I am awaiting a call back from the local housing authority to see if they can provide proof about when my name was removed from my tenancy aggrement with them.

[dx100uk]

well if you were there for that whole period it should be easy to provide proof of residency by various other official bills.

should be all you need to demand ML set things aside FOC to you and remove the CCJ>

 

dx

 

[ehp_kotf]

Brilliant, Im also in the process of getting information from HMRC as i was registered self employed at that time and was registered at my moms address too, trying to think of any other bills i may have had from that period too

[dx100uk]

the nationwide stuff should be useful too.

 

 

[ehp_kotf]

I have managed to gain access to a very old email address which has thrown up a number of different things I'm hoping i can use to prove where I was living.

 

So far I have a copies of these things that show my name and the address I was living at (mothers).

I have - a copy of a HMRC self assessment statement dated October 2012 and a proof of no claims bonus dated 17th December 2013.

 

Im also fairly sure I claimed jobseekers allowance around this time period but unfortuantely i dont think i can gain any proof of this - cant find how far back DWP hold this information for.

 

Any more advice for things to try and attain to help me with this?

[dx100uk]

have you the nationwide evidence still?

 

[ehp_kotf]

Im awaiting a letter from nationwide at the moment about it all, i requested it last week so hoping it should arrive on my doorstep any day now.

[ehp_kotf]

ML have now sent me over 3 documents, a statement of account from a company called lantern which states the period is from 22/07/2016 to the 15/06/2020, a dated NOA that looks to me as though it has just been freshly typed on Microsoft word and doesnt contain any address details dated 12/12/2013 and finally a CCA dated 04/09/2013. Not really much clue to as who it was obtained by as its pretty much seems to be a standard online loan CCA with digital signature.

 

Also in the email they have stated:

"Our client has also confirmed details of the bank account into which the original loan of £150.00 was paid (Ulster Bank Account No: ****5555)." This sets off alarm bells aswell as I have never even heard of Ulster bank let alone used them! Sounds like its a bank based in Northern Ireland to me.

 

They have also signed off the email by saying 

As you are aware, a Judgment was issued against you on 08/08/2018  and you have been ordered to pay £25.00 per month by the court.

 

We would be grateful therefore if you would contact us on 0203 126 4544 in order to discuss your payment proposals.

 

We look forward to hearing from you."

 

Any advice on what to do next?

 

 

[dx100uk]

Lantern are the new name for MMF

Good on the Ulster bank stuff too

You can easily prove you've never had an a/c with them

 

[ehp_kotf]

Just now, dx100uk said:

Lantern are the new name for MMF

 

 

 Ah okay, I didnt realise so thanks for that!

 

What should my next course of action be? Would it be a letter to ML outlining that I have been a victim of impersonisation? 

 

 

[dx100uk]

Collect all you info

Then submit an n244 to the court