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Had a couple of interesting developments with some ol;d PDL's and am after thoughts
1) Minicredit, borrowed about £200 and within months it had shot up to c£1200.
With some help from Niddy sent a lovely letter threatening hell damnation etc. I have not heard a peep since
they registered a default on my credit file, no issue it was fooked anyway but the amount was £710 . No idea where that came from
This month the amount owed has shot up to £1340 , as I said not a peep from them , no email no letter no nothing
I know they have a minded to revoke marker on their CCL so am wondering if they are upping the balances in order to get a few more pence when they disappear
My thoughts are to ignore
2) Motormile Finance
Had a PDL with WDA. I had an ongoing complaint with them and inbetween them sending their final response and me escalating it to the BCCA they sold it to MMF. Anyway after much buggering about I got a letter from BCCA saying that WDA had agreed to cut the debt to £450 and take it back from MMF. Heard no more apart from one letter from WDA saying that as I hadn't contacted them normal collection activity would resume..
I have now found a default placed by MMF dated 1 month after the loan was taken out for £1316 . I have asked Noddle to look at it and MMF have said it is accurate, I have also complained to MMF and in 5 weeks heard nothing, not even an acknowledgement although I know it was received both by email and letter . I have also escalated it to CSA
Now my belief is that they do not own the debt, they have placed it in retaliation for me taking a separate issue to the CSA and FOS. Again I am not overly bothered about the impact just pissed off that they have done it when up until now there has been nothing for this account.
I have a mark on my calendar for 8 weeks so it can go to the Fos
1) Minicredit, borrowed about £200 and within months it had shot up to c£1200.
With some help from Niddy sent a lovely letter threatening hell damnation etc. I have not heard a peep since
they registered a default on my credit file, no issue it was fooked anyway but the amount was £710 . No idea where that came from
This month the amount owed has shot up to £1340 , as I said not a peep from them , no email no letter no nothing
I know they have a minded to revoke marker on their CCL so am wondering if they are upping the balances in order to get a few more pence when they disappear
My thoughts are to ignore
2) Motormile Finance
Had a PDL with WDA. I had an ongoing complaint with them and inbetween them sending their final response and me escalating it to the BCCA they sold it to MMF. Anyway after much buggering about I got a letter from BCCA saying that WDA had agreed to cut the debt to £450 and take it back from MMF. Heard no more apart from one letter from WDA saying that as I hadn't contacted them normal collection activity would resume..
I have now found a default placed by MMF dated 1 month after the loan was taken out for £1316 . I have asked Noddle to look at it and MMF have said it is accurate, I have also complained to MMF and in 5 weeks heard nothing, not even an acknowledgement although I know it was received both by email and letter . I have also escalated it to CSA
Now my belief is that they do not own the debt, they have placed it in retaliation for me taking a separate issue to the CSA and FOS. Again I am not overly bothered about the impact just pissed off that they have done it when up until now there has been nothing for this account.
I have a mark on my calendar for 8 weeks so it can go to the Fos
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