Fed up of this now. Sent them the heavily blanked out screenshot, and now their reply is this. By law, the original lender is to supply you with a Notice of Default, not ourselves. I shall send a request to the 3 credit reference agencies to update this to payday loan as opposed to student loan.

This makes me laugh. The chap who's emailing me from MMF has a signature on all his emails. Its gone from Compliance Team, Customer Relations and finally collector... Wonder if he's related to Mike I have asked them why the default was incorrectly labeled. Apparently they know that this was the case, but without seeing the screenshot they are unable to explain why it was incorrectly labeled. Iv requested they look at the original notice of default that would have been sent out to me when they placed the default on my file, instead of sending a screenshot. Lets see if they come up with the goods.

I have no objection with sending them a screenshot, but lets look at it this way. They get paid to do this, I don't. I now have to take time out to get the screenshot, alter it, send it then spend hours arguing with them about it. I don't get the privilege of sending them a default charge for my time. Its just not fair. RE The CRAs they are a waste of time, but they will never get shut of them. Credit Expert is a waste of time too, it doesnt even show you a true reflection of your credit score..But that's a moan for another day.

Todays latest correspondence from MMF. Apparently they don't issue default notices..... As advised, I require a screenshot of the mark we have left on your credit file so that I am able to assess it before requesting any change of information. From what I can gather, it has been incorrectly marked as a student loan when, in actual fact, we do not deal with any student loans. The Notice of Default is to be sent by the original lender, not ourselves. Kind regards

Reply and complaint sent... But thanks to Motormile Iv had a good check of my credit file. Can someone explain how this is possible. One of their defaults is for an account started on the 7/12/2011 with a default date of 14/12/2011. How is that possible? Those dates are incorrect. Another one of the defaults from them. Account started 1/03/2011 and default date showing as 25/03/2011.

That would make life easy for them. I don't get paid to 'collect debts' or harass vulnerable people for money. That's their job, so surely they are responsible to rectify the issue using their own access, After all, they placed the default so they should easily be able to find it.

Thats exactly what I wondered, then I thought. Do MMF have access to peoples files. Is it the original creditor that places the default in Motormiles name as soon as they sell it on. Possibly why they email or make up a notice of assignment with made up dates (as in my case) Hell will freeze over before I send anyone a screenshot of my personal details. I could always send a photo of a nice evening sunset, might brighten up their day! The default was for a student loan, the student loans company have no recollection of this. Cant MMF see that you cant just plonk a random default on a credit file, allegedly acting on behalf of the student loans company.

Well, an interesting email from MMF today. Asking me to send screenshots over email of my credit report! ERM I dont think so! Giving them more access to my personal information? This is in relation to them putting a default on my credit file for a student loan. I never had a student loan. I explained to them that this is fraudulent, their reply, "can you explain why you think this is illegal ?" I'm thinking of sending a reply, but this has come via email, AFTER the letter was set asking for written communication via royal mail only. Can you believe them! Good afternoon. In order for me to assess the situation in an amicable manner please may you forward me a screen shot of your credit report. Please explain why you believe the default to be illegal, also. Once I have established which of your accounts is marked as a Student Loan I shall update it accordingly. Yes motor mile, Il do your job for you shall I! You shouldn't have done it in the first place. Then have the cheek to ask me to see a copy of my credit file. I have contacted the FCA yet again about this further correspondence. Still, makes a change to not have MIKE phoning me. Maybe I should just email them this http://www.experian.co.uk/consumer/faq/R1.html#q491e

I Have directed the FCA to this and other forums to show them the problems aren't isolated.

I sent my official complaint to the CEO of MMF Last night. I also copied in the FCA. Today the FCA, amongst other things have added this to their reply. With regards to firms contacting customers regarding consumer credit business (including debt collection), the FCA’s Consumer Credit Sourcebook (CONC) Chapter 7.9.4, states “a firm must not contact customers at unreasonable times and must pay due regard to the reasonable requests of customers (for example, customers who work in a shift pattern) in respect of when, where and how they may be contacted”. Therefore, I can inform you that the information in your email has been passed to the Supervision Team responsible for the conduct of this firm within the FCA. How they follow up information received depends upon the risks posed to our objectives, the quality of the evidence and the seriousness of the accusations. Lets hope we get somewhere.

I had a read reciept from the CEO of MMF. To: Subject: Formal Complaint Sent: 12 August 2014 21:21:57 (UTC) Monrovia, Reykjavik was read on 12 August 2014 21:22:05 (UTC) Monrovia, Reykjavik. It would seem he is out of the country at the moment, I do hope something gets sorted.

Ah, I did wonder about the opening remarks in the letter. That was removed, and my own spin on things added.

Brig, Your letter appears to have disappeared on here.. Anywhoo, sent to the MMF CEO as well as the FCA and SLC copied in for good measure. Lets see if we can get somewhere.

Oh dear oh dear motormile finance. The Secretary of State for Business, Innovation and Skills is a joint Data Controller for the student loans company.

Just come off the phone to the student loans company, who at best I can say aren't best impressed.. . Iv also emailed motormile today, to the ever so normally chatty point of contact who suddenly has developed a case of forgetting how to type a reply regarding how they use an sms in court. I would be interested to see their reply if I was to ring them and advise I was coming round unannounced to discuss the alleged debts. Il call myself Mike, and tell them I will assess their living standards. Lets see if they quote the law on not being able to do that, seen as though they seem quite happy to flaunt this very law when the shoes on the other foot.