Motormile Finance UK Limited Suddenly stuck default on my credit file!!!

[operationfirestorm]

Hi,

 

Just when i thought i was getting my credit file sorted out i noticed today on my credit file that motormile finance uk ltd have put a default on my credit file for May and June but not July and August.

 

To be honest I have never heard of them, the details are below. I am immediately concerned that a company can just put a default on your credit file without even calling or writing to you? is that legal? its really made my credit score drop dramatically. Very damaging indeed.

 

Before i engage the company i wanted to ask anyone if they could help me write the best letter possible so that i start my communications with them correctly.

 

The details of the alleged debt are below. the debt was registered at an address i used to live at 3 years ago but i do not recognise the debt or the company or the amount at all.

 

The info on my credit file is as follows;

 

Motormile Finance UK Limited

Account opened: 2nd May 2011

Last updated: 1st June 2014

Current Balance: £189

Default Date: 31st May 2011

Reported until: May 2017

 

The credit history on my account has a a BIG 'D' on May and June of this year (2014) no defaults before that and none after. The address is incorrect as my address during this period is different. the company have written me a standard letter by post to my existing address which clearly they got from the register. I have NEVER EVER received any bill previously from anyone or company for this amount before.

 

I really need to get the default removed as i feel that its very wrong for a company to be able to put a default on your file without even writing to you first.

 

Any help i would be most grateful.

[fkofilee]

Weclome to the Nightmare that is MMF... From the amount, id guess this is a Payday Loan.

Take a look around at the MMF Section of the Debt Forum, see what they do.

 

Is this a Fraudulent debt?

[fkofilee]

Im also guessing you have received a Notice of Assignment... Can we the letter they have sent you removing all details apart from the original creditor?

[operationfirestorm]

I have no idea what type of debt it is. Payday?

 

it certainly is not mine i never took one out.

 

I do not and was not living at that address at the time.

 

Unless someone received a letter after i left the property and used my details fraudulently.

 

Notice of assignment? whats that?

 

Ill look as you suggested, thank you.

[dx100uk]

now in the MMF forum

 

dx

[operationfirestorm]

thanks just saw it.

[Conniff]

Do you or have you had any loans or finance with anyone in the past 4 years ?

[operationfirestorm]

I suffered identity theft a few years ago and spent nearly a year removing 6 defaults and one CCJ off my credit file (successfully) this one just came up out of the blue. I have as advised looked over the forum but am still non the wiser in how to remove this default.

[Conniff]

Do you or have you had any loans or finance with anyone in the past 4 years ?

??

[operationfirestorm]

just a mobile phone contract

[Conniff]

So how did your credit file get into a state that it needed sorting out ?

[operationfirestorm]

I suffered identity theft. More than a year ago loads of negative marks appeared on my file which took me a long time to remove. One being a CCJ which i went to court to set aside. Everything was removed successfully after lots of writing to the creditors involved. Then suddenly this one appeared. I have disputed it with the CRAs but it will take time for them to get back to me. I still cannot figure out who the OC is as its not showing on my credit file.

[Conniff]

Motormile purchase debts, so your first point of contact should be with them asking what this is all about and who the debt was purchased from or if they are acting on someones behalf.

[operationfirestorm]

i guess that will be the only way of first finding out who the OC is. Ill do that. then ill follow similar/same process as i did before with other creditors to get the default removed. I just wonder how many more will suddenly spring up! in the future.

[Conniff]

Although the agencies can remove the defaults, only those that placed them, you can get an amendement added saying you dispute it.

[operationfirestorm]

thanks

[dx100uk]

don't mess around with MMF

 

they are total cowboys

and couldn't careless it was fraud.

 

go in hard and follow it up

 

dx

 

 

say via the courts or a police incident number

 

then write MMF

 

a stern letter

inc a copy of that info.

 

telling them they have 14 days to remove the account

 

else you'll see them in court too.

 

dx

[operationfirestorm]

that is exactly what i did before with all the other negative stains on my file. I reported them to the police as fraud, got a crime number and sent this to the creditors forcing them to remove the defaults. most did this immediately, others took a reminder or two but they all complied eventually.

[dx100uk]

then send that evidence to mmf

 

give them 14 days to comply

 

end of.

 

dx

[BRIGADIER2JCS]

then send that evidence to mmf

 

give them 14 days to comply

 

end of.

 

dx

 

 

Address that "evidence" to Mr Neil Petty the MD of MMF.

[operationfirestorm]

Just a short note to let you know that Equifax has completed their enquiries, and has confirmed that the account information has been removed as requested.

You can check how the amendment appears on your file when you next update your credit report through checkmyfile.

 

I hope this helps but if you have any further questions please don't hesitate to get back in touch.

 

Regards,

 

 

checkmyfile

 

 

This does not mean it will go away forever but its a start...

[BRIGADIER2JCS]

Just a short note to let you know that Equifax has completed their enquiries, and has confirmed that the account information has been removed as requested.

You can check how the amendment appears on your file when you next update your credit report through checkmyfile.

 

I hope this helps but if you have any further questions please don't hesitate to get back in touch.

 

Regards,

 

 

checkmyfile

 

 

This does not mean it will go away forever but its a start...

A good start!