Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

[leonmc0708]

Re: Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

http://www.ceoemail.com/s.php?id=ceo-76594

[warwick65]

Re: Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

It used to be

neil@mmile.com

You could also use this

https://register.fca.org.uk/ShPo_Fir...000001SFPUjAAP

I also think

Barnaby@mmile.com

That is barnaby page who is also a director

However

On the default recorded what is the date of default, is it the same as the date of default from the original Mr Lender , if so it probably can't be changed

[leonmc0708]

Re: Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

It used to be

neil@mmile.com

You could also use this

https://register.fca.org.uk/ShPo_Fir...000001SFPUjAAP

I also think

Barnaby@mmile.com

That is barnaby page who is also a director

However

On the default recorded what is the date of default, is it the same as the date of default from the original Mr Lender , if so it probably can't be changed

Hi mate

thanks for that. No its not the original default was 22/11/2013 and Motormile popped another one on for the same thing on 22/04/16 - before they even started to report the thing that date !

[nemesis45]

Re: Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

This type of action by MMF has previously resulted in sanction by the then regulator the OFT a report to the FCA " for information on the conduct of licensed company" mentioning the previous sanctions is needed Now.

MMF bought a portfolio of PDL debts which the original creditor did Not default leaving MMF the advantage of being able to default the debt when they start to pursue them.

I collated and submitted a " mass " complaint to the OFT and sanctions were placed.
nem

[warwick65]

Re: Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

Hi mate

thanks for that. No its not the original default was 22/11/2013 and Motormile popped another one on for the same thing on 22/04/16 - before they even started to report the thing that date !

So the default MM should be placing would have a start date of 22/11/13 so it would vanish in 2019

I know not all credit files make the default date that clear although Noddle does
On mine it is listed by line

Account start date
Opening Balance
Repayment Frequency
Default date
Default balance


The only thing to be wary of,

When did you last pay or acknowledge the debt?
If you try to get the date changed that may well be seen as acknowledgment

As an example, I still have a couple of PDLs that are showing AP markers but were for a fixed 1 month period so i am waiting till they are well and truly SB before I challenge the date

In my case it will be the middle of 2018

[nemesis45]

Re: Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

Was this account defaulted by the original creditor prior to sale of the debt to MMF and was a default registered by the OC?
Querying or requesting information on a debt is not an acknowledgment of liability if done properly.

nem

[warwick65]

Re: Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

See post 33

The account was defaulted by the OC 22/11/13 so that will stay on the credit file regardless until 21/11/19. That is why I question if it is worth questioning anything at the moment. If the OP is 4 1/2 years down the SB route it would be awful if the SB clock was reset by a letter worded in such a way the a judge might take it as an admission.

Personally I can't see how you can say the date is wrong without acknowledging the debt

Was this account defaulted by the original creditor prior to sale of the debt to MMF and was a default registered by the OC?
Querying or requesting information on a debt is not an acknowledgment of liability if done properly.

nem

[nemesis45]

Re: Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

See post 33

The account was defaulted by the OC 22/11/13 so that will stay on the credit file regardless until 21/11/19. That is why I question if it is worth questioning anything at the moment. If the OP is 4 1/2 years down the SB route it would be awful if the SB clock was reset by a letter worded in such a way the a judge might take it as an admission.

Personally I can't see how you can say the date is wrong without acknowledging the debt

A simple statement the " This enquiry is made without any admission of liability for the alleged debt and does not amount to any acknowledgement of liability".

nem

[warwick65]

Re: Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

Because things can be misinterpreted and because whatever happens the default is going to stay there until 2019 surely it is worth letting sleeping dogs lie

I could see them replying with, before we can process your request we would need to know the exact nature of your query

[nemesis45]

Re: Motormile Finance UK LTd (MMF) - threat to issue a default against old debt

Because things can be misinterpreted and because whatever happens the default is going to stay there until 2019 surely it is worth letting sleeping dogs lie

I could see them replying with, before we can process your request we would need to know the exact nature of your query

Unlikely to be that bright, with the experience over a number of years including getting compensation and debts written of for others I've found their tactics pathetic.

nem