on the 14th day when I sent my reqyest they supplied me with PDF of Credit Agreement from CFO Loan. Final page reads: Signature by you: Please complete the form below to digitally sign and accept your loan agreement. By entering your surname and the code that was sent to You by email and SMS You are entering into a legally binding agreement. This is a Credit Agreement regulated by the Consumer credit Act 1974. Sign it only if you want to be bound by its terms. Signature of the Debtor Surname:...................................... Code:........................................... Acceptance by us: Signed for and on behalf of CFO Lending .........................................duly authorised Date.................................which is the date of this Agreement No signature on it....

So there is no time period limit?

And still no reply from MMF

Hey dx and all, reported this morning to FOS. Cheers!

Hi fkofilee , nope never. I have original paper work from PAYDAY UK. I can share it in full if needed.

Hi fkofilee , yes I was surprised to. And they are still willing to look for loans between 2007-2008

Thank you and my pleasure. Will be more soon.

Hello all, Thanks to all on CAG as a great result was recently achieved. PAYDAY UK has completed investigation on loand between 1st st February 2008 to 30th April 2009. Result was: Agreed funds lent irresponsibly. Total Redress: £1,710.53 /today received transfer from uncle PAYDAU UK/ Still under investigation: 28 September 2007 to 31 January 2008 as I need to do more home work and provide some details they asked for. Will keep posted on result. BTW My success CAGers is also yours. So donation was made to keep this place runnin till the end of World! and one more day

Hello all, they have never provided me with full list of loans ( i think I had more than 15 with them) here is their final word... QuickQuid Customer ID: xxxxxxxxxx We are in receipt of your complaint dated 16/08/2017 where you allege that QuickQuid irresponsibly lent to you. Specifically, you mention: • The loans were unaffordable • You were dependent on short term lending I’ve investigated your complaint and would like to bring your attention to the following points: Under the Financial Conduct Authority’s rules, complaints cannot be made where they concern an event that occurred more than six years ago. Of course, we will still investigate your allegations as they pertain to any loans you have received in the last six years. AFFORDABILITY In your complaint you allege that QuickQuid did not perform a credit check or affordability assessment. We have reviewed your file and can confirm that, in line with our internal process, at the time of each application, we conducted our standard credit assessment, which included pulling your credit report. As part of our assessment, we analyse your current financial commitments, insolvency records, delinquency records, County Court judgements, credit enquiries and other credit accounts currently open. Lenders are required to make an assessment that is proportionate to the type and amount of the loan as well as the associated costs and risk to the borrower. It would not be proportionate for a lender which provides small loans, which are unsecured and which do not require a guarantor, to conduct the same assessment as a bank which provides high loan amounts which are secured by your home or vehicle. Your loans were unsecured. We did not provide a guarantor loan where you would have needed to have had someone else share the responsibility of repayment . Your credit report is not the only thing we analyse when we make a lending decision. We also look at the information you provide us in your application, as well as your loan history with us when we decide to approve or decline your loan application. This information is all input into our internal credit model which is run to obtain your credit model score. If your credit model score does not meet the minimum approval threshold score then we will decline your loan application. Looking at your record, I see that your credit model score was never under the minimum approval threshold for any of the loans for which you were approved. For instance, on 07/12/2007 you had a credit model score of -0.0636 on your QuickQuid loan # 20934 when the minimum approval score was 0. Your credit model score is higher the minimum approval score which shows that our affordability assessments properly ran per our internal policy. It is in our mutual interest to have a well-designed affordability model. As a responsible lender, we provide customers such as yourself with access to credit and take upon ourselves the risk of default. While we will not reject a customer simply because there is a late payment on a credit file, we will critically assess the details of your credit file to provide you with a reasonable and affordable loan. The investigation of your complaint also considered all relevant information contained in your application. It was noted your monthly income was stated as £1920 per month. I compared your income to your total monthly repayment for each loan you took with us. From this I can see that the income you made during each payday loan with us was always more than enough to cover the amount you had to repay us for each loan and thus I cannot agree with you that your loans were unaffordable. DEPENDENCY You are claiming that you were dependent on loans. Yet if you were dependent on taking out one loan to repay the other then you would have taken out numerous loans, for equal or increasing loan amounts, and with very little time between paying off one loan and taking out the other. When I reviewed your loan history I see that you never had more than four consecutive loans with less than 15 days between loans. CONCLUSION Therefore it is for the above reasons we cannot agree that QuickQuid irresponsibly lent to you. As this is our Final Response regarding your concerns to the above referenced account, if you are not happy with this outcome I need to ensure that you are aware of the ultimate availability of the Financial Ombudsman Service. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. I have provided you with a link to the leaflet for your information to assist you if you decide to pursue this further course of action. They can be contacted at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Tel: 0300 123 9123 Email: complaint.info@financial-ombudsman.org.uk Further details are also available on http://www.financial-ombudsman.org.uk FOS consumer leaflet: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm ___________________________________ Lost of stuff that makes no sense to me... any advice? Or is it now time to complaint to financial ombudsman..

I complained yesterday to MMF and here is their response: Thank you for your email xxxx I have reviewed the matter and can see that you have previously asked for a copy of the Consumer Credit Agreement. I can see that we have previously acknowledged receipt of your request but cannot see that the information has been provided. Your letter that was received on 29 August 2017 and was not deal with through our complaints procedure. This was because this was a request for information and we identified no dissatisfaction within your letter. I will chase up your request today to find out why this has not been provided and will get back to you as soon as possible. Kind Regards

Hello Folks, 1 week later and 5 days later... still nothing.. so its now 12 weeks +

Hi dx100uk Yes it is defaulted

Hello all, 2 weeks later and still no news (11 weeks now in total since request was made for CCA). What should I do in this case now. Still no CCA on CFO Loan. Thank you!

Thanks folks Still no news on CFO Loan - CCA sent back in August (21st) , still no reply. Outstanding £405. This is now week 7th.

Hello all, More from MMF on SpeedLoan... Sorry for the delay in getting back to you. We can confirm that this account is also statute barred and the balance of £948.00 has also been written off. If you have any further queries, please feel free to email. Kind Regards MMF So only 2 accounts left at the moment. Mr Lender who 'kindly' reduced balance to £293 and CFO Loan, where I have not heard back since I sent request for CCA already. Mr Lender - outstanding £293 CFO Loan - CCA sent, still no reply. Outstanding £405 Written off: Quick Quid Northway - Pounds Till Payday Speed Loan

Not so sure... do you think it can be said SpeedLoan is also SB?

Hello all, More from MMF on SpeedLoan... We can confirm that the loan with Speed Loan was taken out on 10 September 2009 and was due to be paid by 10 March 2011. Unfortunately we are unable to confirm if Speed Loan ever defaulted your account with the Credit Reference Agencies. If you need any further information, please feel free to email. ___________________ So they are chasing debt that is not defaulted?

Hello all, Previously I was given update as following by MMF people: I have provided a response to your queries, individually, below: Pounds Till Payday Please accept our apologies, the default date should have read 30/05/2008. Quick Quid We can confirm that this debt is now statute barredicon under Limitation Act 1980, and as such, the remaining balance of £987.00 has been written off. Speed Loan We can confirm that when purchasing the debt from Speed Loan, we were not aware whether a default had been accurately registered on your credit file. MMF have therefore not reported any information about this with the Credit Reference Agencies. This morning MMF kindly replied to me: Mr.... Thank you for your email Mr xxxxx We can confirm that your loan with Pounds Till Payday is also statute barred under the Limitation Act 1980. The remaining balance of £212.82 has also now been written off. In relation to Speed Loan, please can you expand on what details you are looking for so that I can send this over to you? Kind Regards ___________________________________ So another PDL debt written off, however they were asking for payments. So I now need to ask them politely about SpeedLoan and my DCA request I have sent them. Not sure why they asking such a question in relation to SpeeLoan.. Cheers, l

Hello Folks, Some latest updates. Mr Lender contacted me already and I had already left this update some time ago. Here is what they said. "Mr Lender are able to support you by requesting for MMF to reduce your balance to the capital remaining left to pay of £292.50. This will mean you wont pay any interest on your loan. Once the balance has been settled then we can also remove any adverse information from your credit file as a further gesture of goodwill" However I was chasing still MMF on accounts for: CFO Lending and other PDL as: Quick Quid Pounds Till Payday Speed Loan This morning MMF kindly replied to me: Mr.... I have provided a response to your queries, individually, below: Pounds Till Payday Please accept our apologies, the default date should have read 30/05/2008. Quick Quid We can confirm that this debt is now statute barred under Limitation Act 1980, and as such, the remaining balance of £987.00 has been written off. Speed Loan We can confirm that when purchasing the debt from Speed Loan, we were not aware whether a default had been accurately registered on your credit file. MMF have therefore not reported any information about this with the Credit Reference Agencies. We have received your letter dated 29 August 2017 and can confirm that your request is currently being processed by our Customer Support Department. You should receive further information in due course. If you need to contact us in the meantime, please feel free to email. Kind Regards MMF So lets see responses from MMF as I emailed them back: Thank you for prompt response with regards to my concerns about Quick Quid as well with Pounds Till Payday. I also understand the Pounds Till Payday is now statute barred under Limitation Act 1980, as the default date according to yuor records is 30/08/2008 and as such, any of the remaining balance will be written off. Please confirm. I will look forward on more details about Speed Loan. Kind regards, xxxx

@ dx, so you think there are more charges added to this account? I sent out CCA request last week to MMF and I wan't to see what is in there. Its huge balance reduction from 787 to 292. well yes I think I will enter into agreement with MMF if this is still enforceable as I know, loans need to pay off. Again, I feel so stupid and shame on me that I put myself in spin of PDL. But I was taking selfishly one to cover other loans. @ renegadeimp, I agree and starting up complaints has resolved some of my issues, but you think there is some doggy business going here?

Hello all, As I as well complaint to Mr Lender after doing my homework an email has arrived today directly from Mr Lender with details as follows: - Mr Lender, payday loan- MMF ref: xyz date of default: uknown original amount owe £450.00 current outstanding £787.50 Date Description Credit Debit Account Balance 04/06/2013 InitialLoan £450.00 £450.00 04/06/2013 InitialFee -£10.00 £440.00 04/06/2013 InitialFee -£7.00 £433.00 04/06/2013 InitialFee -£17.00 £450.00 04/06/2013 Interest -£157.00 £607.50 24/06/2013 Payment -£157.50 £450.00 24/06/2013 Interest -£157.50 £607.50 25/07/2013 Fee -£20.00 £627.50 26/07/2013 Fee -£20.00 £647.50 31/07/2013 Fee -£20.00 £667.50 27/08/2013 Interest -£212.62 £880.12 17/03/2015 AdjustmentDebtADTEC -£92.62 £787.50 _______________________________________________ Dear Mr yxz, Thank you for your email and sorry about the delay in responding to you, we have been waiting on MMF to advise the information on your account. They have confirmed the below; Outstanding balance: £787.50 Payments: No Adjustments: £92.62 If you are stating that the loan was unaffordable, as a gesture of goodwill Mr Lender are able to support you by requesting for MMF to reduce your balance to the capital remaining left to pay of £292.50. This will mean you wont pay any interest on your loan. Once the balance has been settled then we can also remove any adverse information from your credit file as a further gesture of goodwill. If you wish to accept this offer, in order for us to close your complaint and take the appropriate steps to discount your balance, please confirm to the following; You are satisfied with the resolution of this complaint and deem it fair and reasonable You accept that this is a full and final offer Following your acceptance of this offer you understand that this complaint has now been resolved and no further action is required ---------------------- END ---------------------------- BTW - still waiting for CCA from MMF about account.

Morning all, letters out via recorded delivery.

Thanks all, I will print those for all those accounts MMF 'kindly' provided me this morning claiming they responded a week ago.. anyway this is whole set of bugs.. - Mr Lender, payday loan - MMF ref: xyz date of default: uknown original amount owe £450.00 current outstanding £787.50 Date Description Credit Debit Account Balance 04/06/2013 InitialLoan £450.00 £450.00 04/06/2013 InitialFee -£10.00 £440.00 04/06/2013 InitialFee -£7.00 £433.00 04/06/2013 InitialFee -£17.00 £450.00 04/06/2013 Interest -£157.00 £607.50 24/06/2013 Payment -£157.50 £450.00 24/06/2013 Interest -£157.50 £607.50 25/07/2013 Fee -£20.00 £627.50 26/07/2013 Fee -£20.00 £647.50 31/07/2013 Fee -£20.00 £667.50 27/08/2013 Interest -£212.62 £880.12 17/03/2015 AdjustmentDebtADTEC -£92.62 £787.50 - CFO Lending, payday loan - MMF ref: xyz date of default: uknown original amount owe £405.00 current outstanding £405.00 Date Description Credit Debit Account Balance 02/07/2013 Principal £405.00 £405.00 02/07/2013 Interest £145.80 £550.80 22/04/2016 RedressWriteDown £40.00 £510.80 20/05/2017 AdjustmentDebtNoAAdjustment £105.80 £405.00 MMF as well provided those as well.. - Quick Quid, payday loan - MMF ref: xyz date of default: uknown original amount owe £650.00 current outstanding £987.00 Date Description Credit Debit Account Balance 31/10/2008 Principal £650.00 £650.00 31/10/2008 Interest £325.00 £325.00 - Northway - Pounds Till Payday, paydayloan - MMF ref: yxz date of default: uknown original amount owe £450.00 current outstanding £212.82 Date Description Credit Debit Account Balance 01/05/2008 Principal £450.00 £450.00 01/05/2008 Interest £134.91 £584.91 01/05/2008 Fees £59.00 £643.91 07/05/2014 TotalPaymentmadetooriginallender £431.09 £212.82 - Speed Loan - paydayloan - MMF ref: xyz date of default: uknown original amount owe £900.00 current outstanding: £984.00 Date Description Credit Debit Account Balance 10/09/2009 Principal £900.00 £900.00 10/09/2009 Interest £684.00 £1548.00 13/08/2017 TotalpaymentsmadetoMMF £600.00 £948.00 Final word.. I feel so stupid and shame on me that I put myself in spin of PDL. But I was taking selfishly one to cover other one etc etc..

Ok I won't ignore this, I already started conversation with them via emails. They are saying that they are working on my request. MMF replied back on 08/08/2017 as: Dear xyz Thank you for your email. I have requested a copy of a statement of account from our Customer Support team and this documentation should arrive with you in due course. ____ END ___ I guess, once they provide some info and not in full it will me me sending CCA request and £1 payment thank you..

yes they are and I moved place some time ago. Did standard post redirect. have never had anything back from them