Hi. Not a good update on this probably my own naive fault. I done all as advised - sent AOS, CCA and CPR 31:14. Heard back from MMF with document within the 12 days. Did not receive any documents back from Moriarty until 9/1/18. Had a couple of letters in between from Moriarty about setting up payment before judgment is entered etc etc - which I chose to ignore. I then received judgment from court on 15/2/18 and am ordered to pay the claimant the amount owing in instalments of £25. I assumed (wrongly) that after sending the AOS and the letters that I did not have to do anything until/if I received this documents back. Apparently I can now do nothing except pay the whole amount (to stop the judgment going on my credit history etc) or if I want to dispute the judgment it's going to cost me £250. Or obviously I just pay the £25 month and get a black mark on my credit. Anything I can do? Thanks

thanks. not surprised !

Thanks for your prompt reply. I have just found a list of the creditors I was paying through Money Managed and PTP was definitely on there, although small amounts paid. Looks as if I was making payments to Money Managed for approximately 1 year until they seem to have "dissolved". Do you know of this firm (money-managed)?

Name of the Claimant ? Motormile Finance Date of issue – 15 August 2017 What is the claim for – 1. The defendant owes the claimant £860 under a regulated loan agreement with Northway Broker Ltd dated 23/12/2011 and which was assigned to the claimant on 09/05/2014 and notice of which was given to the defendant on the 09/05/2014 (debt). 2.Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £860 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 £69 What is the value of the claim? total amount £1060 (including costs) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? payday loan When did you enter into the original agreement before or after 2007? the first loan was pre 2007. the last 23/12/2011. each month i paid the full amount and was then given a new loan the same day or day after Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. original creditor was pounds till payday and then passed to motormile Were you aware the account had been assigned – did you receive a Notice of Assignment? i remember receiving letters saying motormile now had control of the debt. do not recall a notice of assignment Did you receive a Default Notice from the original creditor? not that i recall Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? not that i am aware Why did you cease payments? became out of work for 3 months and could not pay back loan on date. debts then spiralled (other payday loans etc) What was the date of your last payment? last payment to PTP was on 21/11/11 in full payment of previous loan Was there a dispute with the original creditor that remains unresolved? only for the loan amount Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? during the time of unemployment i was involved in a plan with "money-managed", they were paying my payday loans an amount each month. i assume PTP was included in this. i haven't found a list of the ones included but assume that PTP would have been

Morning All I have just got back from a business trip (been away 6 weeks). On opening my post I have come across a Claim Form (Northampton Court) filed by Moriarty for the Claimant (Motormile). Debt is for 859.33 plus interest (928.07) plus court fee (60.00) plus legal rep's costs (70.00) - total 1058.07. Can someone please help as to how I should respond because I believe as this was issued on 15 August I have very little time to do anything about it. I had been getting letters from Motormile and then Moriarty for a while but have ignored all. Worried!!!!

Hi all Has anyone any update on this. I have emailed office of fair trading and financial ombudsman today. I have also sent a reply to Marston telling them the same and that I wish them to refrain from contacting me etc etc. Ta AZZAHS

Thank you all. Am going to get on the case this afternoon and send some emails out. Its all so wrong !!!!

Hi. I received an email today addressed to probably in excess of 100 email addresses. I will post the main text of the email below. But briefly i think it is in connection with a pay day loan I took out at the end of last year. although a direct debit was set up they never started taking payments, several months later I started getting threatening emails/letters/texts phone calls. A couple of months ago I sent a letter to one of the debt recovery letters I had received asking for the authority that they had been given to take on the recovery. And then today I receive the following text:FINAL NOTICE BEFORE ENFORCEMENT Defaulted Loan Agreement - Same Day Cash / Wonga.com We are instructed by the above named companies regarding your defaulted loan agreement. As you area aware, under the terms of your loan agreement, payment was to be made within a specified timescale. As you have failed top keep to the agreement, the case has been passed to ourselves for recovery and enforcement. TAKE NOTE: That unless we hear from you by return of email, one of our enforcement officers will attend your address in relation to the outstanding debt. The purpose of the attendance will be to recover the outstanding balance of the loan, and to assess your property and assets, with a view to obtaining a warrant of execution to seize assets to cover the debt. To prevent further action you need to reply to this email, with confirmation of your name and address, together with a contact telephone number, and a member of the enforcement team will contact you to discuss the outstanding matter. Failure to respond will result an attendance by an enforcement officer and may incur additional costs, for which you will be liable. Additional enforcement action may include, applications for bankruptcy, charging orders, attachment of earnings order and order to attend court for oral examination. You may only make contact by reply to this email within the next seven days. After this time, the case will progress through to the next stage of enforcement action. Yours sincerely Enforcement Recovery SectionMarston Group Limited

Thank you

Hi Could you please help I would like to ask some advice about an email I have received today from the Marston Groupl.ThanksAZZAHS Merged threads.See Bankfodders announcement below.