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Re: Court Claim - Motormile / Northway Broker (I don't know who they are) - 14-8-201
Ok so had a good look through my paperwork and I cannot locate anything from swift sterling. I have found paperwork for lending stream which seems to fit roughly with the amounts and fits with dates. The confusion here is that lending stream issue 2 loans and one is now assigned to motormile and the other to PRA group. It's the motormile one that I think they have issued the claim for.
now, in August 2016 I sent an affordability complaint to lending stream and this went on and on - they refused to accept liability and I highlighted to them that in July 2011 (in between the 2 loans) that I advised them of my health issues and sent evidence (I no longer have proof of postage of this) but rather than manage this they issued me with a further loan - however they requested this evidence again during the complaint and I sent it to them. Unfortunately I didn't chase this up further and heard nothing further so doubt I will be able to go to FOS now although they haven't issued a final decision.
i still did not receive default notices nor notice of assignment for the motormile and confused as to the actual default as if they are treating it as 2 loans this relates to the later loan not the original and I have no default dates or notice for that - I'm not even sure that appears on my credit file? It's difficult when debts are assigned as they tend to lump it all together and it's not easy to see what you owe to whom.
Anyway given this I am going to acknowledge the claim with the court and still try and defend. I am going to request the necessary documentation from MMF and I will also request all my personal information (freedom of information) just to piss them off and to get them to send me everything relating to my 'account'. This is a laborious task and they may think it's not worth the hassle, but it may give me information to support my defence.
I especially want to highlight that they refused to support when furnished with my mental health issues and instead chose to issue a further loan. I don't know if that will work or whether that's any sort of defence but given my complaint and the lack of communication from both lending stream and motormile I had every reason to believe they were no longer pursuing the debt. I am still confused that the claim states the debt is from Northway? I still have no clue about that and I may have got it wrong about the lending stream association but it's seems to fit.
Hopefully when they send me the relevant info requested I will be enlightened.
does this seem ok? Any advice much appreciated.
i have had an overwhelming evening facing all of my past debts and as a few are approaching the 6 year mark I am expecting more claims to start landing on my doormat. I think I need to try and sort them out before that happens because this is incredibly distressing when I've worked so hard to get better and rebuild my credit I was looking forward to being free of it all by next year.
Thanks
Ok so had a good look through my paperwork and I cannot locate anything from swift sterling. I have found paperwork for lending stream which seems to fit roughly with the amounts and fits with dates. The confusion here is that lending stream issue 2 loans and one is now assigned to motormile and the other to PRA group. It's the motormile one that I think they have issued the claim for.
now, in August 2016 I sent an affordability complaint to lending stream and this went on and on - they refused to accept liability and I highlighted to them that in July 2011 (in between the 2 loans) that I advised them of my health issues and sent evidence (I no longer have proof of postage of this) but rather than manage this they issued me with a further loan - however they requested this evidence again during the complaint and I sent it to them. Unfortunately I didn't chase this up further and heard nothing further so doubt I will be able to go to FOS now although they haven't issued a final decision.
i still did not receive default notices nor notice of assignment for the motormile and confused as to the actual default as if they are treating it as 2 loans this relates to the later loan not the original and I have no default dates or notice for that - I'm not even sure that appears on my credit file? It's difficult when debts are assigned as they tend to lump it all together and it's not easy to see what you owe to whom.
Anyway given this I am going to acknowledge the claim with the court and still try and defend. I am going to request the necessary documentation from MMF and I will also request all my personal information (freedom of information) just to piss them off and to get them to send me everything relating to my 'account'. This is a laborious task and they may think it's not worth the hassle, but it may give me information to support my defence.
I especially want to highlight that they refused to support when furnished with my mental health issues and instead chose to issue a further loan. I don't know if that will work or whether that's any sort of defence but given my complaint and the lack of communication from both lending stream and motormile I had every reason to believe they were no longer pursuing the debt. I am still confused that the claim states the debt is from Northway? I still have no clue about that and I may have got it wrong about the lending stream association but it's seems to fit.
Hopefully when they send me the relevant info requested I will be enlightened.
does this seem ok? Any advice much appreciated.
i have had an overwhelming evening facing all of my past debts and as a few are approaching the 6 year mark I am expecting more claims to start landing on my doormat. I think I need to try and sort them out before that happens because this is incredibly distressing when I've worked so hard to get better and rebuild my credit I was looking forward to being free of it all by next year.
Thanks
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