Need Help on how to proceed with MMF

[tehdomil]

I am new to these forums and to be honest, I am new to anything to do with my credit report.

 

The following is the situation I find myself in,

 

I had an unpaid Payday Loan with Wonga,

 

I never received any mail electronic or otherwise and I actually forgot about it.

 

I had received an email from a Gothia limited stating I was owe them £2109 and at the time , emailed them asking to provide the information as to who this debt was originally owed. They never provided or replied to my request.

 

Upon checking my credit report, I had noticed that a debt had been defaulted for the sum of £2109 but marked as satisfied by Gothia - Default was issued on 23/06/2010 and the account updated as satisfied on 17/11/2013

 

I accepted this and assumed that I would just have to wait out the time for the default to be removed.

 

WRONG - next thing I knew I started getting what appears to be the usual harrasment from MMF.

 

After enduring this for some time and not knowing what or who MMF were I checked my credit record on Creditexpert to discover that MMF have registered a default against me for the sum of £2109.

 

The default marked as satisfied by Gothia for the same amount is still on my credit report.

 

I am looking to buy my first house and already had 2 satisfied defaults in the last 5 years and really didn't need this latest one from them appearing on my report.

 

Is there anything I can do to get these clowns to remove this default as I have read through these forums and from what I have picked up, if there is already a satisfied default for that account, they can't just buy the debt and add a new default for the same amount?

 

Where should I go from here?

 

I wrote to credit expert asking to put a note beside the defaults to explain the situation and now have to provide them with information for what account it relates to.

 

I also sent the following letter to MMF and received no reply from them :

 

Misrepresentation of Credit File Data.

 

Sir/ Madam,

 

I have become aware that MMF Ltd is causing inaccurate and misleading data to be published by experian credit reference agencies.

 

1. I believe this account was defaulted 23/06/2010 under Gothia LTD and not a new one on 06/04/2014 as stated by MMF Ltd, I am aware that some companies claim that a ''new'' default can be placed when they acquire an account this theory is of course total nonsense as I am sure you are aware.

 

I am unable to perceive the reasons behind MMF Ltds actions in regard to this account which was in dispute and obviously sold off to yourself because it was being disputed.

 

I am preparing a report on MMF Ltd and its conduct which will be sent to the OFT/FCA and the Information Commissioners Office.

 

I expect a prompt reply, removal of the default and written apology from MMF Ltd for its despicable and misleading misuse of the data.

 

I also request that all further communication be by post due to harassment by telephone.

 

 

This was sent to them on the 9th May and I have heard nothing from them

 

Please Please Please help me find a way to get them to remove this default.

 

Regards

[renegadeimp]

You wont hear anything if you just address it to MMF in general. You need to address it to the compliance manager and clearly mark the envelope AND the letter " FORMAL COMPLAINT". Use nice big red or black letters.