I've only ever been sent one letter by MMF, and this just replicated what the emails say. Such as "50% off your current balance" I've had 4 emails and one letter. Nothing else. No phone calls. I don't know whether to do something now they've put "refer your account to Moriarty Law LLP." I've not been proactive, as when I've read these threads before the advise has been to ignore these emails.

I Have received the following email today, after all the spam type "50% off debt" ones. This Cash Genie debt is around 3/4 years old. I have not replied to anything they've previously emailed. We have been attempting to contact you and secure a solution to repay the above account for some time and have been un-successful so far. In light of this and as the matter remains unresolved, we will now instruct one of our debt collection partners to commence recovery action. If you prefer to speak with us and resolve this matter before this next step, our offer of help in finding the right solution still stands but you must act quickly to prevent this course of action by calling us today on 0113 887 6876. If you are experiencing financial difficulties please be assured that our specialist team will be able to assist you. Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future. If we do not hear from you within the next 7 days we will be left with no alternative but to refer your account to Moriarty Law LLP. Any advice would be great.

I've had similar emails as the above. Is this still the advice you would give if they have emailed "If we do not hear from you within the next 7 days we will be left with no alternative but to refer your account to Moriarty Law LLP." Still the same nonsense?