Optima Legal/MMF Claimform QuickQuid 'debt' ***Claim Discontinued***

[tomtom013]

Hi everyone, I desperately need some assistance please.

 

I have just received a Count Court Claim from Optima Legal on Behalf of Motor Mile Finance UK.

 

The debt is for a PDL from QuickQuid dating back to 2010. I think they have sold the debt to MMF who are now taking me to court. I tied to make a payment plan with QuickQuid at the time but they refused to play ball other than to offer a payment plan over three instalments which I could not afford.

 

How do I proceed with MMF as I have very bad things about them

[tomtom013]

Hi everyone, I urgently need some assistance please.

 

I have just received a Count Court Claim from Optima Legal on Behalf of Motor Mile Finance UK.

 

The debt is for a PDL from QuickQuid dating back to 2010. I think they have sold the debt to MMF who are now taking me to court. I tied to make a payment plan with QuickQuid at the time but they refused to play ball other than to offer a payment plan over three instalments which I could not afford.

 

Any advice on hoe to proceed is greatly appreciated

[fkofilee]

Right this will be flagged to the legal team here on the site to offer advice...

Have you got the claim forms etc, ?

 

You will probably need to follow the instructions and submit a defence / acknowledgement.... This is acknowledgement of the claim against you and not the debt itself.

Who was the original creditor?

[tomtom013]

Yes I have the claim form which arrive today. The original debt was with quickquid over 19 months ago

[fkofilee]

Yes I have the claim form which arrive today. The original debt was with quickquid over 19 months ago

 

So So sorry i missed the creditor info in the first post :/

 

Right... how much is it for ?

[tomtom013]

total is £1210 broken down as:

 

amount claimed £1065

Solicitors fees £85.00

Court fees £65.00

 

The original loan was for £900.00 so they say in the POC but cant remember how much the original loan was to be honest. I did spend a while trying to negotiate with quickquid but wanted payment in full in three instalments, which too much at the time.

[sequenci]

Hello there, prior to the claim have you had notification from MM that they have become the creditor - this is sometimes referred to as a notice of assignment.

In addition, did you get any correspondence threatening legal action prior to the claim?

[tomtom013]

Hi Sequenci

 

I have had numerous letters, and about 3-4 calls phone calls a day from MMF they have been very aggressive but I am guilty in not giving them the time and thus I have never responded. I never took there letters seriously and have thrown most of them away so could not answer your question as to whether they issued me with a notice of assignment. they do state in the claim that they have issued me with one though

[sequenci]

Are you in rented or mortgaged accommodation? have you other debts?!

[tomtom013]

rented and yes I have other debts

[sequenci]

How much do you owe in total?!

[tomtom013]

If I recall correctly, my credit file says about 6-7k

[sequenci]

Would something like a DRO but a viable option?

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=37_debt_relief_orders

[tomtom013]

it sounds a good option with a few buts. My misses has just gone on maternity leave but does not have a job to go back too so I would probably qualify.

 

However, I would not want my landlord to know so would need assurance that this would be the case. I am not any rent arrears.

 

We have a car on HP which has about 1100 left to pay but have stopped paying because this amount is made up of penalty charges and some fee £500 admin fee which I don't believe and have been advised is made up and not enforceable. So in a nutshell although they say I owe them £1100 I dispute this. It seems that I would need to give the car back if I entered a DRO. I need my car to travel the 40 miles to work and have 3 kids so would find it very difficult to live without one.

 

So I'm not sure if a DRO would be a viable option if indeed I fitted the criteria in the first place.

[renegadeimp]

You wouldnt have to give the car back. If that amount is made up of penalty charges, get reclaiming them at the interest rate they charged you.

[sequenci]

How much would you say the vehicle is worth?

[tomtom013]

At a guess it's worth about 1.5k, ive has the car for 5 years so it's getting on a bit now. Also, after reviewing the DRO it states you need to have less than £50 after paying your monthly household bills. Does this include loan repayments and or other financial products. If so then I'm pretty sure I would not qualify for a DRO.

 

I was hoping that someone could advice me on how to proceed with the County Court Order that Motor Mile Finance as acted upon me. Do I just accept it even though they are the worst DCA out there and offer a payment plan? Will the county court claim be on my credit file irrespective of what I do.

[tomtom013]

Hi there I have posted a similar post in the payday loans section but decided to also post it here as I could really do with some legal advice. Sorry for the second post:-).

 

I received a Count Court Claim from Optima Legal on Behalf of Motor Mile Finance UK on Wednesday. I admit to them sending numerous letters and phone calls but I have ignored then and so I guess I deserve what has happened.

 

The debt is for an old payday loan from QuickQuid dating back to 2010. I take that they have sold the debt to MMF who are now taking me to court.

 

I tried to make a payment plan with QuickQuid at the time but they refused to play ball other than to offer a payment plan over three instalments which I could not afford.

 

Any advice on how to proceed is greatly appreciated.

[rippedoff15]

Hi, same issues with MMF , regarding the court action yes the CCJ will be added to your credit file once issued you have 30 days to repay before its added to your file. keep posting information relating to MMF their is lots of help, top guy who helps on this site is BRIGADIER2JCS ( AKA The Brig )

 

Good Luck keep posting

[tomtom013]

Hi there rippedoff

 

I am interested to know whether you defended your claim or accepted it and if defending a claim against a PDL is feasible or worthwhile. I hate to think that MMF bough the debt for £100 and then make a £1000 for doing nothing but being a parasite

[rippedoff15]

At present I am defending claims, they purchased old Mr Lender debt claimed 623.56, got them to accept 286.86, also they have start claim relating to old QQ/gothia debt 1004 only email threats, but will fight all the way. demand all paperwork keep posting you will get help

[tomtom013]

This problem is that I really don't know where to start. Do I send them

a SAR? If I do will this stop the claim. What do I ask for etc.

 

What option should I choose on the Court Claim papers. If I

decided to defend what would be my defence. Sorry for coming across as

clueless but I am as I have never has a county court claim against

me:-)

[renegadeimp]

Hi tomtom. I'll flag site admin to move your thread to the legal forum where more knowledgeable people can help.

[tomtom013]

Thanks a lot renegadeimp. I did just post a similar post in the legal issues forum, about 15 minutes ago. Sorry for the second thread:-)

[renegadeimp]

Thats ok. I'm sure one of the admins will sort the threads out so you get the best exposure