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Motormile updated credit ref agencies with default date


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Motormile updated credit ref agencies with wrong default date - Motormile Finance UK Ltd/Lantern - Consumer Action Group

 

 

I have had exactly the same problem, my credit file today showed an entry from motormile finance created 2010 then says there was a default in December 2012?

 

Also I am now married and it is on my credit file in my maiden name?

 

Yet my credit file is my married name and has not financial connection with my married name so I don't understand how they have done this as they have made the entry to my married names credit file.

 

Please help, can I have his email and advice please

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Forgot too add this has only been but on my credit file today?

 

Originally Posted by karlosg:

Indeed it is. I have no idea if that means the entry will be totally deleted or just the default. But either way it's a good result so thanks to all on here who helped.

 

Plus I have robs direct email address now if needed.

 

I have had exactly the same problem, my credit file today showed an entry from motormile finance created sep 2010 then says there was a default ion 1st December 2012?

I took out a wage day advanced loan In 2010 which I defaulted on. I never heard anything after that. It was taken out in my maiden name, I was married in 2011.

Tis has been regstered today on my credit file in my maiden name? Yet my credit file is my married name and has no financial connection with my married name so I don't understand how they have done this as they have made the entry in my maiden name to my married names credit file. Also the default is 2012 which is not the case

 

Please help, can I have his email and advice please

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I can't reply as I haven't posted enough, Is yours still registered as a default on your credit file? It's lowering my score and don't know what to do, should I send this template below, what should I put?

 

 

 

 

 

Complaint re: Inaccurate Data Recorded on Credit Files:

 

Dear Mr. Sands,

 

I refer to recent correspondence from MMF Ltd regarding an alleged debt to Wage Day Advance in the sum of £292 please note I do not acknowledge ay debt to MMF or any company it may claim to represent.

 

I have in the course of reviewing my credit history check my credit files held by Equifax credit reference agency and have noticed that MMF have altered the default date on this account from February 2010 to December 2012 which is clearly wrong, it appears to me that MMF Ltd have deliberately altered the debt to that at the time it acquired the account. Also this debt is registered in the name of Xxxxxxxxxxx, yet you have registered under the namexxxxxxxxxxxxThis is also incorrect and highly illegal.

 

One has to wonder if this is done purely to extend the ''life'' of the default entry to the advantage of MMF Ltd or if it has been done through incompetence and the belief that a default can be ''restarted'' when a debt is purchased.

 

I now require MMF Ltd to correct the information on ALL credit reference agency files to which it has reported the inaccurate data and to inform me in writing that my instructions have been complied with, also MMF Ltd should seriously consider making financial redress for attempting to extend the ''life'' of the default by nearly 2 years.

 

 

On receiving MMFs reply I will consider what the content of my complaint to the Information Commissioner will be.

 

This letter is sent by RM recorded/signed for post and its receipt will be checked.

 

sorry to be a pain I just need help x

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Yes send the letter asap.

NOT BY e-mail!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Who is that? Somebody at motormile. So sorry to other you it's just I don't understand, the debt was in 2010 not 2012 like it has been recorded on car and its my registered on my married names profile?

 

Sorry if I sound dumb I just don't know what to do, please can you help? X

 

Sorry I more question, should I detail my current address and phone on the letter or not? As people have been saying motormile are a bit nasty? Sorry again for all the questions x

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Sorry my computer is playing up only half the post has got through yes send the letter to Sands but a copy as well separate envelope 2nd class to the Data Controller at MMF.

Often things go astray within MMF!!

 

NEVER GIVE YOUR PHONE NUMBER TO ANY DCA current address yes they can get it easily enough anyway.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Has any reason been given by motor mile finance as to why they are updating peoples credit files with a default status from December 2012, when the actual defaults with payday lenders were defaulted long before this date

 

some people have had their file updated with a mail order default from motor mile when they were a payday loan default

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Sorry last question s I promise x what do you think the outcome will be, will they remove it completely from cr file?

 

Have you any idea how they registered it under my married name when they it was took out in my maiden name and there are no financial connections?

 

Thank you so much for all your help I'm so very grateful I didn't know what to do. Thank god for people like you!! Xx

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That's the purpose of the letter, there are other inquiries being made into what MMF are doing that are not yet on the forum.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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There is quite a lot going on 'behind the scenes ' regarding MMFs conduct and CRA file so I would be optimistic!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes not sure it's my lappy or the site taking a long time on send/receive.

I'm compiling a folder on MMF conduct and would appreciate permission to use the data it will be anonymous.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It's the site brig. The host seems to be having a few issues.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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