HELP- Moriarty law / Motormile - Mr Lender PDL CCJ

[Diana M]

I now have a court date set in early April. I have no idea what I am doing or what will happen. I think they are likely to get a CCJ against me as I am not even sure what I am suppose to say in court or do.

What happened at Mediation?

Di

[jaguarsuk]

Any further on this? I’m in the same boat at the court DQ stage. MMF also have a few accounts of mine, scared they will chase them, however i did put affordability complsints in against original lender vivus who said they acted responsible. I have had no paperwork from MMF or ML other than bog standard letters. Bit concerned that it might go to court appearance! Eek

If you put affordability complaints in and they said they acted responsibly, but you disagree you should complain to the Financial Ombudsman Service plus inform the Claimant you have immediately.

Part of the complaint form with FOS will ask if you are engaged in legal proceedings.

[elvis2003]

I did not mediate. The times they set were inconvenient. When I spoke to the mediation staff they advised I would get another opputunity before it goes to court to do so and I did not.

i have not yet put an affordibility complaint in, however I have signed up with a company a few days ago who are doing this on my behalf with a number of old payday loans I had therefore by the time it goes to court I will have submitted them but unsure if that will be relevant or be relevant to the court etc.. any ideas ?

[elvis2003]

I have no received papers from MMF with their info. Really confused with it all, can anyone recommend we're I can speak to or I can get free advice from via phone or face to face please?

[Amethyst]

Morning Elvis, What date is your hearing and on the letter giving you the hearing date was there instructions/directions for you to exchange witness statements ?

[elvis2003]

Hi yes the date is the 11th April - 14 days to send documents / witness statements . Moriarty Law have sent me their witness statement, loan agreement , statement of account ( which does not look correct) , final demand letter dated months ago and a notice pursuant to rule. This pack is dated 27th March, but I never received till the 29th
i send a affordibility complaint last week to mr lender.

[warwick65]

Is that a hearing date of 11th April.

[elvis2003]

yes that is correct

[warwick65]

I'm not sure I want to ask this but...

Have you submitted your Witness Statement?

[elvis2003]

Yes I submitted one - is your concern what my witness statement consists of or that it might not have been timely?

[Amethyst]

Think it's the timely thing ( quite a few people don't see the ws info on the second page of the hearing notification letter and fail to do it )

now one you have theirs and some of the documents - is there still a defence ? What are the statement issues ? Is the agreement correct ? ( does it make sense - last Mr Lender one I saw simply made no sense mathematically) is there a default notice ? Etc

You can add a supplementary witness statement if need be

[elvis2003]

This was my witness statement

[elvis2003]

I have today received the a response to my complaint from mr lender. I have taken snap shots of the letter taking my details such as employer etc they reference hence why it's in a few parts

[elvis2003]

[elvis2003]

As they have offered to recall this from MMF - my question is can they do this even though MMF assigned Moriarty Law who have now taken me to court.