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Help needed ASAP
FinallyLearnt
Posts: 39 Forumite
Haven't been on here for a while but now need some advice please.
I've had a threat of court action from Moriarty Law, chasing a debt owed to Motor Mile Finance. Trouble is, I've checked my Experian and my Equifax reports and can't see anything owed to them, or anything I owe for roughly the right amount even. I think it must be a payday loan from about 4 years ago but I don't know who.
I've had no letters at all from MMF, may well have had emails to an old email address that I no longer use but nothing in writing at all.
Could do with some advice on my next step please?
I've had a threat of court action from Moriarty Law, chasing a debt owed to Motor Mile Finance. Trouble is, I've checked my Experian and my Equifax reports and can't see anything owed to them, or anything I owe for roughly the right amount even. I think it must be a payday loan from about 4 years ago but I don't know who.
I've had no letters at all from MMF, may well have had emails to an old email address that I no longer use but nothing in writing at all.
Could do with some advice on my next step please?
0
Comments
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You need to send them a 'prove it letter'; https://forums.moneysavingexpert.com/discussion/2607247
Hope this helps. Sorry for the short reply, I've got to run off.0 -
FinallyLearnt wrote: »I've had a threat of court action from Moriarty Law, chasing a debt owed to Motor Mile Finance.
Hi,
What form did this "threat" come in, was it in a letter, text, email, phone call ?
Anything but a letter can be ignored, so if it was a letter, did it say "we will take you to court" or, more likely, "we may take you to court" ?
Read it again and see.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Sourcrates - it's a letter and it definitely says "We will take you to court". I haven't had any communication from anyone about this debt other than this letter though.
Will send a Prove It letter to them today - thanks for the link, CakeCrusader0 -
FinallyLearnt wrote: »Sourcrates - it's a letter and it definitely says "We will take you to court". I haven't had any communication from anyone about this debt other than this letter though.
Will send a Prove It letter to them today - thanks for the link, CakeCrusader
Yes, in that case provit letter is the way to go.
Watch out for a claim form though, if one drops on your door mat, post back for further advice.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Hi
It’s worth checking your Noddle credit report too as it’s possible the debt could only show on that one.
James
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
Is it possible you could have defaulted on the debt over 6 years ago?
James
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
National_Debtline wrote: »Is it possible you could have defaulted on the debt over 6 years ago?
James
@natdebtline
Possible - it's not on my Noddle report either. The only thing I can find on my credit report that I can't identify is a zero balance saying Settled but it makes no mention of Motor Mile Finance anywhere, on either closed accounts or open ones.0 -
If you defaulted over 6 years ago it would no longer show on any of your credit reports. The other reason I asked is that it may be statute barred. If that’s the case it would be unenforceable in court.
To be statute barred there needs to be at least 6 years (5 if you live in Scotland) from your last payment or written acknowledgement, and no CCJ. If Moriarty Law can prove it’s your debt you could send them this sample letter. The onus is on them to prove the debt isn’t statute barred or cease collection.
www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-%28sole-name%29.aspx#
James
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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