Cecilia PDL diary

[nightwatch]

Re: Cecilia PDL diary

we have a slight server problem, it is being worked on and soon all will be well

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Long time no see - great to know you've got two PDL accounts finishing next month!



Motormile/Motormouth are known for buying 'uncollectable' PDL accounts, and can be aggresive, but AAD has helped people in the past see them off. The letter you mention on post #490, is that the first correspondence you've received? Have you had any notice of assignment?

If not then I'd ignore for now, and when they get persistent, you can send a 'prove it' letter to start with.

Best
SnV

[cecilia]

Re: Cecilia PDL diary

Speedloan(Part of Albermarle and Bond)
Started approximately 2004 as cheque cashing, stopped cheque cashing a few months ago, and converted into a loan.
Interest paid to Albermarle and Bond from 2004 to 2013 £16,320
Loan £800
Owe £1120 including interest
Default charges £112
Monthly payments £112
Last payment beginning July 2013
Defaulted August 2013
Received text from Speedloan 2nd September
Wrote to Speedloan 4th September
Received letter in the post from Speedloan 7th September rejecting my offer.
Received letter in the post from Speedloan 18th September, asking me to contact them urgently, give bank account and debit card details,to set up direct debit.
Received text message from Speedloan 26th September to discuss account
Received default notice in the post from Speedloan 3rd October in normal post
Wrote to Speedloan 10th October
Received Notice of sum of arrears in the post from Speedloan 12th October in normal post
Received a letter in the post from Chantry collections re my speedloan dated 19th October, received 23rd October
Received a letter in the post from Chantry collections re my Speedloan dated 24th October received 28th October
Wrote to Chantry collections 7th November
Received Important notice from Chantry collections in the post re my Speedloan dated 5th November received 9th November
Received letter from Chantry collections in the post re my Speedloan dated 8th November received 11th November
Received letter in the post from Speedloan dated 13th November received 14th November
Received call from Clair Westbury at Speedloan 19th November asking me to send my I&E to put this matter to a close.
Received call from Clair Westbury at Speedloan 20th November asking me to send my I&E to put this matter to a close.
Resent to I&E to Speedloan 21st November.
Received letter from Speedloan 23rd November dated 22nd November.
Received letter from Speedloan 23rd January dated 21st January 2013
Received letter from Speedloan dated 29th December 2014
Received letter from Speedloan dated 3rd September 2015
Received letter from Speedloan29th December 2016

Happy New Year everyone, hope you had a good Christmas
I received this letter from Motormile fincance on the 29^th December in the post
Total current outstanding balance £1120
We have been attempting to contact you and secure a solution to repay the above account for some time and have been unsuccessful so far.
In light of this and as the matter remains unresolved, we will now instruct our solicitors to commence recovery action.
If you prefer to speak with us and resolve this matter before this next step, our offer of help in finding the right solution still stands but you must act quickly to prevent this course of action by calling 01138876876.
If you prefer you can email us at customerservice @mmile.com
If you are experiencing financial difficulties please be assured that our specialist team will be able to assist you.
Information pertaining to this account may be registered with credit reference agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future.
If we do not hear from you in the next 7 days we will be left with no alternative but to refer your account to Moiarty law limited.
Yours sincerely
Motormile finance

This is the same company that was in the papers
https://www.theguardian.com/business...fair-practices

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Ok so 'commence recovery action' is such a broad term it could just mean they will send you more threatening letters, but you want to nip this in the bud.

Amend the following template and send it to Motormile Finance asap:

http://forums.all-about-debt.co.uk/s...l=1#post495044

See how they respond to that. Their letter isn't really a formal LBA (they should have given you a deadline to respond, for example, for it to be a formal LBA) but as they have said they WILL instruct solicitors lets treat it as such

Best
SnV

ps remove the following paragraph from the letter too as it has no bearing on your situation:

You will no doubt be aware that in addition to the PD-PAC requirements there is an additional responsibility to supply documents which is imposed by the Consumer Credit Act 1974 (“CCA 1974”). A request was made under s.77 / s.78 / s.79 on the xx/xx/xxxx and this has not been complied with. The agreement is therefore rendered unenforceable whilst that failure to comply remains outstanding. To issue proceedings in such circumstances would be premature and would be met by an application by me to strike out the claim as having no prospect of success.

[cecilia]

Re: Cecilia PDL diary

Thanks SnV, I will email this to them immediately, their solicitors are Moriarty Law limited.

[SaltnVinegar]

Re: Cecilia PDL diary

Thanks SnV, I will email this to them immediately, their solicitors are Moriarty Law limited.

Hi Cecilia - send it by post too, and send it recorded delivery

[cecilia]

Re: Cecilia PDL diary

Will do that tomorrow, SnV, thanks.

[cecilia]

Re: Cecilia PDL diary

Just received this from Motormile via email.

Thank you for your recent email.In line with the Data Protection Act 1998 we must confirm the following information:·Your date of birth;Upon receipt of this information we will be able to furnish your request. You can contact one of our agents by telephone on 0113 887 6876 (Monday to Thursday 8am to 7pm, Friday 8am to 6pm or Saturday 10am to 1pm).We look forward to your speedy response.Yours sincerelyMotormile Finance UK Limited (MMF)Please note: if you chose to communicate with MMF by email, unless otherwise advised by you, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collections activity, negotiations and other services and products.

[SaltnVinegar]

Re: Cecilia PDL diary

Just received this from Motormile via email.

Thank you for your recent email.In line with the Data Protection Act 1998 we must confirm the following information:·Your date of birth;Upon receipt of this information we will be able to furnish your request. You can contact one of our agents by telephone on 0113 887 6876 (Monday to Thursday 8am to 7pm, Friday 8am to 6pm or Saturday 10am to 1pm).We look forward to your speedy response.Yours sincerelyMotormile Finance UK Limited (MMF)Please note: if you chose to communicate with MMF by email, unless otherwise advised by you, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collections activity, negotiations and other services and products.

Thats garbage. Send off the letter in the post if they haven't already and converse that way if they insist on asking for your d.o.b

[cecilia]

Re: Cecilia PDL diary

Speedloan(Part of Albermarle and Bond)
Started approximately 2004 as cheque cashing, stopped cheque cashing a few months ago, and converted into a loan.
Interest paid to Albermarle and Bond from 2004 to 2013 £16,320
Loan £800
Owe £1120 including interest
Default charges £112
Monthly payments £112
Last payment beginning July 2013
Defaulted August 2013
Received text from Speedloan 2nd September
Wrote to Speedloan 4th September
Received letter in the post from Speedloan 7th September rejecting my offer.
Received letter in the post from Speedloan 18th September, asking me to contact them urgently, give bank account and debit card details,to set up direct debit.
Received text message from Speedloan 26th September to discuss account
Received default notice in the post from Speedloan 3rd October in normal post
Wrote to Speedloan 10th October
Received Notice of sum of arrears in the post from Speedloan 12th October in normal post
Received a letter in the post from Chantry collections re my speedloan dated 19th October, received 23rd October
Received a letter in the post from Chantry collections re my Speedloan dated 24th October received 28th October
Wrote to Chantry collections 7th November
Received Important notice from Chantry collections in the post re my Speedloan dated 5th November received 9th November
Received letter from Chantry collections in the post re my Speedloan dated 8th November received 11th November
Received letter in the post from Speedloan dated 13th November received 14th November
Received call from Clair Westbury at Speedloan 19th November asking me to send my I&E to put this matter to a close.
Received call from Clair Westbury at Speedloan 20th November asking me to send my I&E to put this matter to a close.
Resent to I&E to Speedloan 21st November.
Received letter from Speedloan 23rd November dated 22nd November.
Received letter from Speedloan 23rd January dated 21st January 2013
Received letter from Speedloan dated 29th December 2014
Received letter from Motormile Finance dated 3rd September 2015
Received letter from Motormile Finance dated 29th December 2016
Received letter from Moriarty Law dated 12th January 2017

Thanks SnV have just received this letter in the post today from Moriarty law

Original Lender: Speedloan finance 10/1/2017
Re:Motormile Finance Ltd(MMF)
Amount due £1120
We have been instructed by Motormile Finance UK Ltd (MMF) in relation to recovery of the above debt.
This debt must now be settled within the next fourteen days by either payment in full or an initial payment and an acceptable repayment plan.
In the event we do not hear from you within the next fourteen days we have been instructed to issue proceedings without further reference to yourself.
To ensure you are fully aware of the consequences of legal proceedings being issued against you we have detailed below the costs, fees and interest that the court will add to your account should this action be taken.
Court fees £70
Solicitor costs £80
Interest £89.6
The issue of proceedings and any consequent judgment inour clients favour would therefore result in your debt increasing to £1359.6
You can arrange payment by calling 02031264544 or using one of the methods detailed overleaf.
Please note that you have the option of obtaining assistance from the following not for profit organisations that offer free, confidential and impartial advice should you require it 1) National debtline and 2) Stepchange. Alternatively, you may wish to seek your own independent legal advice from a solicitor.
We look forward to hearing from you.
Yours faithfully
Moriarty law

[SaltnVinegar]

Re: Cecilia PDL diary

Ok so you MUST treat below as a formal 'Letter Before Action' and needs the LBA response I mentioned earlier.

Send the same letter to them as you did Motormile Finance, make sure you do that asap, and make sure you send recorded delivery and keep the receipt with the tracking number.

Thanks SnV have just received this letter in the post today from Moriarty law

Original Lender: Speedloan finance 10/1/2017
Re:Motormile Finance Ltd(MMF)
Amount due £1120
We have been instructed by Motormile Finance UK Ltd (MMF) in relation to recovery of the above debt.
This debt must now be settled within the next fourteen days by either payment in full or an initial payment and an acceptable repayment plan.
In the event we do not hear from you within the next fourteen days we have been instructed to issue proceedings without further reference to yourself.
To ensure you are fully aware of the consequences of legal proceedings being issued against you we have detailed below the costs, fees and interest that the court will add to your account should this action be taken.
Court fees £70
Solicitor costs £80
Interest £89.6
The issue of proceedings and any consequent judgment inour clients favour would therefore result in your debt increasing to £1359.6
You can arrange payment by calling 02031264544 or using one of the methods detailed overleaf.
Please note that you have the option of obtaining assistance from the following not for profit organisations that offer free, confidential and impartial advice should you require it 1) National debtline and 2) Stepchange. Alternatively, you may wish to seek your own independent legal advice from a solicitor.
We look forward to hearing from you.
Yours faithfully
Moriarty law

[cecilia]

Re: Cecilia PDL diary

Thanks SnV, will do that today. Have a good weekend everybody.

[cecilia]

Re: Cecilia PDL diary

Speedloan(Part of Albermarle and Bond)
Started approximately 2004 as cheque cashing, stopped cheque cashing a few months ago, and converted into a loan.
Interest paid to Albermarle and Bond from 2004 to 2013 £16,320
Loan £800
Owe £1120 including interest
Default charges £112
Monthly payments £112
Last payment beginning July 2013
Defaulted August 2013
Received text from Speedloan 2nd September
Wrote to Speedloan 4th September
Received letter in the post from Speedloan 7th September rejecting my offer.
Received letter in the post from Speedloan 18th September, asking me to contact them urgently, give bank account and debit card details,to set up direct debit.
Received text message from Speedloan 26th September to discuss account
Received default notice in the post from Speedloan 3rd October in normal post
Wrote to Speedloan 10th October
Received Notice of sum of arrears in the post from Speedloan 12th October in normal post
Received a letter in the post from Chantry collections re my speedloan dated 19th October, received 23rd October
Received a letter in the post from Chantry collections re my Speedloan dated 24th October received 28th October
Wrote to Chantry collections 7th November
Received Important notice from Chantry collections in the post re my Speedloan dated 5th November received 9th November
Received letter from Chantry collections in the post re my Speedloan dated 8th November received 11th November
Received letter in the post from Speedloan dated 13th November received 14th November
Received call from Clair Westbury at Speedloan 19th November asking me to send my I&E to put this matter to a close.
Received call from Clair Westbury at Speedloan 20th November asking me to send my I&E to put this matter to a close.
Resent to I&E to Speedloan 21st November.
Received letter from Speedloan 23rd November dated 22nd November.
Received letter from Speedloan 23rd January dated 21st January 2013
Received letter from Speedloan dated 29th December 2014
Received letter from Motormile Finance dated 3rd September 2015
Received letter from Motormile Finance dated 29th December 2016
Received letter from Moriarty Law dated 12th January 2017
Received letter from Motormile Finance dated 7th January 2017

I received this from Motormile finance dated 7^th January 2017
Please find below your annual account statement. This shows all payments received, interest that has been charged as well as any additional charges that have been applied to your account.
Period of this statement 6/1/2016 to 6/1/2017
Original creditor Speedloan default
Date of agreement 8/6/2013
Amount of principal loan advanced £800
Opening balance at the start of the statement period £1120
Current closing balance at the end of the statement period £1120
Please find below a breakdown of transactions during the period of the statement
6/1/2016 statement opening balance £1120
06/1/207 closing balance £1120
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your complaint with us first you will not be entitled to refer your complaint to the Ombudsman. We can provide details of our complaints policy which included how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost your more to pay off the debt under the agreement.
If you have difficulties making payment under your credit agreement please contact us if you have not already done to discuss the terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice organisation such ast Step Change. For a list of organisations, please visit www.mmile.com or get in touch with us on 01138876876 or customer service@mmile.com

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Ok, just standard correspondence which they are legally required to send to you, its not a reply to your LBA letter.

Lets wait and see what the next letter is.

[cecilia]

Re: Cecilia PDL diary

Thanks SnV, would they be aware that I made an offer to Speedloan in 2013 which was refused.