Vivus.co.uk. PDL debt sold to MMF DCA

[db6279]

I took out a PDL of £300 around Oct 2013 with Vivus.co.uk. After I admitted I was in trouble, they froze the interest and we agreed to £5 monthly payments in Jan 2014.

 

I kept paying until I had a letter from MMF in June/July 2015. It seems Vivus went bust and the debts were sold on. The data MMF have doesnt include my monthly payments so we disagree on how much is owed. They asked me to prove what I said (I can via bank statements) but don't see why I should have to pay a £10 SAR fee to get them and pass them on. I initially sent them a CCA request and heard nothing back.

 

Last month they contacted me but I refused to provide them with my new address (wise?) and I 'failed' their security checks (I can't remember the address Vivus had for me) so they refused to discuss the account. I have since cancelled the monthly payments since vivus was/is bust.

 

I am thinking of sending them another CCA since I did not retain any proof of the one I did 8 months ago. We agreed I would CCA on the phone, but I have since heard that they say anything on the phone.

 

The outstanding debt is £100 (my version) or £180 (their version). There is nothing on my noddle credit history regarding this debt, indeed it has never appeared on there. I am intending to apply for a mortgage in 6 months time - should I simply pay it or offer a F&F? Should I provide the bank statements that prove I made the payments to vivus that they do not have on file?

[martin2006]

No dont send another CCA, if they didnt respond to the first one then they are in default of a legal request and you can use this as part of any defence, shiuld they issue a claimform.

 

In addition, check clearscore to make sure theres nothing there either. Not all creditors report to all cra agencies so worth checking.

 

If theres nothing there, ignore them until they put a claimform in, if they put one in!

[dx100uk]

moved you to the MMF forum.

 

 

you can safely ignore MMF

they have no teeth whatsoever

since they got carpeted by the FCA

shame you let them fleece you for this long.

[db6279]

Re: CCA, worried that I have no proof of doing it (other than some note on their system that the account was to be suspended for a month). Thought that by doing it again I could send it recorded or retain proof of posting?

 

For clarity, all payments I made went to the account details vivus gave me, I havent paid a penny to MMF.

[dx100uk]

good then don't pay mmf anything

[fkofilee]

Vivus havent gone bust!

 

https://www.vivus.co.uk/

 

Still trading ~

[db6279]

Vivus havent gone bust!

 

 

 

Still trading ~

 

Thats a different company. The original vivus.co.uk was owned by a company named '4finance ltd' as they are named on my loan agreement. Then, when MMF contacted me I tried to visit vivus.co.uk and it had been replaced by a holding page saying that all the outstanding debts had been sold on and to contact receivers/administrators. The new vivus.co.uk website is now run by a company named 'V7 ltd.'

 

I'm not sure whether any of the above matters though.

 

 

In addition, check clearscore to make sure theres nothing there either. Not all creditors report to all cra agencies so worth checking.

 

 

Nothing on clearscore either.

 

good then don't pay mmf anything

 

Im understanding the consensus is ignore but dont know why? What if they pass the debt on to a different company? What is it about the situation that means I can ignore them? I have paid more back than I borrowed but was of the impression there was still money outstanding for the debt/

[lookinforinfo]

You have sent them a CCA request which they have acknowledged by putting your account on hold.

As they have not complied with your request, they cannot take you to court for the debt and nor can any other debt collection company should they decide to pass it on.

[sillygirl1]

As it is a PDL and the original company are in administration the cost to take you to court would be as much as the loan is worth, and they would end up with nothing if they had to give the money to the administrators.