Motormile Finance putting 2 defaults on my Credit File!!!

[Schmidlin]

Hi,

 

I have posted here before and have had the best help from everyone here and am now wondering if I could get just a little more.

 

Motormile Finance have added 2 defaults to my credit file,

both for payday loans,

I have only just realised as I haven't been checking my credit file on a regular basis recently.

 

1 of the accounts was supposedly Default in 04/2012

but has only been on my report for 4 months

and the other was supposedly Default in 10/2009

but has only been on my report for 3 months?

 

The plan was to issue a CCA request,

 

 

do I need to issue a CCA request for each one?

 

 

Also, does anyone have anything else they can shed any light on about these people

and how I should go about handling them?

[dx100uk]

where these debts showing under the original creditors before MMF put them up?

 

 

dx

[Schmidlin]

Hi Dx,

 

No, these had never shown up on file before,

 

 

I also noticed yesterday that another payday loan company (will add details when I get home) has also entered a default on my file,

 

 

I don't think they were ever on my credit file before either,

 

 

so now I have 3 defaults on my file,

 

 

could they have been on my file as a different name (actual company I may have had the loan with)

 

 

and then Motormile have that name changed on my credit file to theirs because they've supposedly bought the debt?

[dx100uk]

yes that's what happens

 

 

have a quick read through the MMF threads here you'll soon get the idea what to do.

 

 

bottom line for anyone with 'debts' supposedly owed to this company is to avoid paying them at all costs

and fight them all the way esp if there neverwas any sign of these debts before under the OC's.

 

 

all it does is line their pockets to send out 1000's more letters

and funds the purchase of 1000's more like debts

 

 

it all goes to their pockets never the original debt.

which 9/10 was written off long ago.

 

 

dx

[fletch70]

I guess one of the big questions is, did you take out any PDL's and did you pay them back?

MMF regularly buy PDL's from Wage day advance and others.

 

Even if you do 'owe' the money there are ways of taking control back