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Good evening, Firstly sorry if this is in the wrong place.
I have recently checked my credit report due to finally being settled after years of on and off homelessness and wanting to see where my finances are at and wanting to move forward with my life.
I discovered a CCJ on my file for £353, which was entered on the 8th August 2018. I contacted Northampton Court about this as on the register it appears asigned to a MS which immediately set alarm bells ringing as I am MR . They informed me the judgement was from a solicitors firm called Moriarity Law who had purchased the debt from Motormile Finance who had bought it from the original company PDL Finance who were trading as Mr Lender. The person i spoke to on the phone from Northampton Court then told me he could email me across the judgment information which he did.*
It states:*
Claimant MOTORMILE FINANCE UK LTD (MMF)
Claimant Solicitors MORIARTY LAW, phone 0203 126 4544, reference 257407
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Particulars of Claim
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THE DEFENDANT OWES THE CLAIMANT £237.50 UNDER A REGULATED LOAN AGREEMENT WITH PDL FINANCE LTD T/A MR LENDER DATED 04/09/2013 AND WHICH WAS ASSIGNED TO THE CLAIMANT ON 11/12/2013 AND NOTICE OF WHICH WAS GIVEN TO THE DEFENDANT ON THE 11/12/2013 (DEBT). DESPITE FORMAL DEMAND FOR PAYMENT OF THE DEBT THE DEFENDANT HAS FAILED TO PAY AND THE CLAIMANT CLAIMS £237.50 AND FURTHER CLAIMS INTEREST THEREON PURSUANT TO SECTION 69 OF THE COUNTY COURT ACT 1984 LIMITED TO ONE YEAR TO THE DATE HEREOF AT THE RATE OF 8.00% PER ANNUM AMOUNTING TO £19.00
Now, I dont recall ever having had a payday loan from this company, infact the only time i have ever had a payday loan was from a company called QuickQuid which was repaid and i swore never to use one of these companies again. I must mention at this point that I have been a victim of impersonisation in the form of a current account and overdraft being opened online in my name. I discovered this at the same time as the CCJ but the bank in question (Nationwide) were brilliant and immediately launched a full investigation which concluded that the account had indeed been fraudulently opened in my name and have closed the account and informed the relevant CRA of this in order for it to be removed form my file. I am concerned this payday loan may be linked to this as I have never even heard of this company I have supposedly had an agreement with.
What is my best course of action? I would like this information struck from my credit file as had i recieved the court forms (they were sent to an address I had been temporarily living at whilst homeless but had left 9 months prior to the judgement date and was living elsewhere and registered on the electoral roll form the March before the judgement)
I am at my wits end in regards to this as I have no idea what to do about it and am highly concerned that either bailiffs will turn up at my home or that they will get an attachment of earnings or similar. I have not contacted Moriarity Law about this and am unsure if i should?*
Any advice would be greatly appreciated, sorry for the rambling and somewhat chaotic situation!
*
I have recently checked my credit report due to finally being settled after years of on and off homelessness and wanting to see where my finances are at and wanting to move forward with my life.
I discovered a CCJ on my file for £353, which was entered on the 8th August 2018. I contacted Northampton Court about this as on the register it appears asigned to a MS which immediately set alarm bells ringing as I am MR . They informed me the judgement was from a solicitors firm called Moriarity Law who had purchased the debt from Motormile Finance who had bought it from the original company PDL Finance who were trading as Mr Lender. The person i spoke to on the phone from Northampton Court then told me he could email me across the judgment information which he did.*
It states:*
Claimant MOTORMILE FINANCE UK LTD (MMF)
Claimant Solicitors MORIARTY LAW, phone 0203 126 4544, reference 257407
*
Particulars of Claim
*
THE DEFENDANT OWES THE CLAIMANT £237.50 UNDER A REGULATED LOAN AGREEMENT WITH PDL FINANCE LTD T/A MR LENDER DATED 04/09/2013 AND WHICH WAS ASSIGNED TO THE CLAIMANT ON 11/12/2013 AND NOTICE OF WHICH WAS GIVEN TO THE DEFENDANT ON THE 11/12/2013 (DEBT). DESPITE FORMAL DEMAND FOR PAYMENT OF THE DEBT THE DEFENDANT HAS FAILED TO PAY AND THE CLAIMANT CLAIMS £237.50 AND FURTHER CLAIMS INTEREST THEREON PURSUANT TO SECTION 69 OF THE COUNTY COURT ACT 1984 LIMITED TO ONE YEAR TO THE DATE HEREOF AT THE RATE OF 8.00% PER ANNUM AMOUNTING TO £19.00
Now, I dont recall ever having had a payday loan from this company, infact the only time i have ever had a payday loan was from a company called QuickQuid which was repaid and i swore never to use one of these companies again. I must mention at this point that I have been a victim of impersonisation in the form of a current account and overdraft being opened online in my name. I discovered this at the same time as the CCJ but the bank in question (Nationwide) were brilliant and immediately launched a full investigation which concluded that the account had indeed been fraudulently opened in my name and have closed the account and informed the relevant CRA of this in order for it to be removed form my file. I am concerned this payday loan may be linked to this as I have never even heard of this company I have supposedly had an agreement with.
What is my best course of action? I would like this information struck from my credit file as had i recieved the court forms (they were sent to an address I had been temporarily living at whilst homeless but had left 9 months prior to the judgement date and was living elsewhere and registered on the electoral roll form the March before the judgement)
I am at my wits end in regards to this as I have no idea what to do about it and am highly concerned that either bailiffs will turn up at my home or that they will get an attachment of earnings or similar. I have not contacted Moriarity Law about this and am unsure if i should?*
Any advice would be greatly appreciated, sorry for the rambling and somewhat chaotic situation!
*
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