Credit agreements

[Amethyst]

Re: Credit agreements

Yip that will be the notice of assignment Sounds like you have the goodbye from Mr Lender , as well as that Hello from MMF - do the facts on both match up okay?

Is Mr Lenders address on the one without a company header ?

[Midlandcb]

Re: Credit agreements

Hi thanks for reply not had one from Me Lender at the moment I have requested it tho. The other I've had from original creditors have no company headings on look like just been typed out.

[Debt Camel]

Re: Credit agreements

Ignoring all the stuff about CCA agreements and assignments (others can comment better than I can on those)...

I assume you did borrow from Mr Lender. You should read https://debtcamel.co.uk/payday-loan-refunds/ and consider making affordability complaints about your borrowing from Mr Lender. Also any other payday lenders! This can include previous loans from Mr L as well as the last defaulted one. that has been sold to MMF.

If you win a complaint, you get a refund for loans that have been repaid and interest removed from loans where there is a balance outstanding.

If you put in a complaint to Mr Lender, tell MMF that you are disputing the original debt and ask them to hold off on any enforcement action until your complaint is resolved.

Your complaint about Mr Lender loans goes to them, not MMF'.. It should cover ALL the loans you had from them including the last defaulted one. Don't let Mr L fob you off by saying talk to MMF about the last loan, repeat that your complaint is against them for irresponsible lending and send the whole complaint to the Ombudsman if they reject your complaint.

Mr L are one of the easier payday lenders to deal with. They read your complaint and are prepared to negotiate to get a reasonable agreement quite often. But if they reject it or make too low an offer, send the complaint to the ombudsman immediately and inform MMF that your complaint is continuing.

[Midlandcb]

Re: Credit agreements

Ignoring all the stuff about CCA agreements and assignments (others can comment better than I can on those)...

I assume you did borrow from Mr Lender. You should read https://debtcamel.co.uk/payday-loan-refunds/ and consider making affordability complaints about your borrowing from Mr Lender. Also any other payday lenders! This can include previous loans from Mr L as well as the last defaulted one. that has been sold to MMF.

If you win a complaint, you get a refund for loans that have been repaid and interest removed from loans where there is a balance outstanding.

If you put in a complaint to Mr Lender, tell MMF that you are disputing the original debt and ask them to hold off on any enforcement action until your complaint is resolved.

Your complaint about Mr Lender loans goes to them, not MMF'.. It should cover ALL the loans you had from them including the last defaulted one. Don't let Mr L fob you off by saying talk to MMF about the last loan, repeat that your complaint is against them for irresponsible lending and send the whole complaint to the Ombudsman if they reject your complaint.

Mr L are one of the easier payday lenders to deal with. They read your complaint and are prepared to negotiate to get a reasonable agreement quite often. But if they reject it or make too low an offer, send the complaint to the ombudsman immediately and inform MMF that your complaint is continuing.

Thank you Camel I've sent mmf a email today staying that a dispuit is being made and also sending a letter staying the same. Thank you all your advice is priceless and I really do mean that.