Thread: Motormile Finance Debt Collection Visit Letter

Originally Posted by calum031189

Hi people,

Firstly this website has been a godsend, with all the posts and help i have decided to take my head out of the sand and fight. I hate motormile, they are abusive, threating and pray on peoples lack of knowledge.... so i done my research and sent them this as they keep threating to come to my house.

This was even after i sent the "Tort of Trespass" and repeated requests to stop harassing me as i take panic attacks

Anyway i hope this helps others.

Dears Sirs,

Further to my email here are the OFT guidelines on debt collection visits as i feel you may be unaware of them;

Debt Collection Visits;

3.11 Those visiting debtors must not act in an unclear or threatening manner.

3.12 Examples of unfair practices are:

a. not making the purpose of any proposed visit clear, for example, it is not
sufficient to merely state that collectors or field agents will call and not
state what they want to achieve by visiting the debtor

b. visiting a debtor when it is known they are vulnerable (by reason of age
or health or disability), for example, when a doctor's certificate has been
provided stating that the debtor is ill

c. not leaving the property when it becomes apparent that the debtor is
distressed or otherwise vulnerable, for example if it is suspected that the
debtor might have insufficient mental capacity to make an informed
repayment decision at that time

d. entering a property without the debtor's consent or an appropriate court
order

e. not leaving a property when reasonably asked to do so

f. visiting or threatening to visit a debtor without his prior agreement when
the debt is deadlocked or disputed

g. not giving adequate notice of the time and date of a visit

h. visiting debtors, unless requested, at potentially inappropriate locations
such as work or hospital.

These guidelines further substantiate my claim of harassment and if your current practice of threats continue i will file a complaint on these guidelines.

Good Luck


http://www.oft.gov.uk/news-and-updates/press/2012/21-12

Hi,

was this a WDA or QQ loan by any chance

Hey
It was a WDA loan from a few years ago, what makes you ask?

Hi Calum,

I am also getting the same of this bunch, are you getting recorded messages on a daily basis.

how have you found dealing with them on the phone?

Hi Foxtrotoscar,

Yes they do send them everyday now followed with a text message, telling me if "If I want to avoid any embarrassment i should contact them to arrange an appointment". I have told them to do one as i am not making any appointments nor am i speaking to them on the phone. I would write to them but find emails are a faster and form of communcation. However they seem to want to talk on the phone quite alot and i just found them rude and they all seem to want me to confirm address and details over the phone which of course i refuse because they haven't written to me yet.which i think they don't have yet!

I'm about to do a Trust Deed so they can do what they like, and the second one of their guys turns up at my door the police will be phoned as i have got all the evidence i need for harassment and for them failing to adhere to the OFT guidelines.

How are they with you? I'm in Scotland so i know things are lot harder for guys in England.

Why is anyone dealing with them on the phone ? This is the number 1 no no.

Lol just had a call there from Moorcroft Debt Recovery...... she didn't want to speak to me until i could confirm my details..............i was like "you phoned me! bye".

Even better i got this email about their special offers... i used to work in Web Design and their email structure is ridiculous. I mean my niece could better ;

Dear Mr Vannuil,

EASTER OFFER
Our ref: XXXXXXX
Re: WageDayAdvance.co.uk (debt assigned to Motormile Finance UK Ltd)
Debt: £215.13





Here at MMF we are not immune to special times of year and we strive to provide Special Offers on such occasions.

Our callcentre and Doorstep Agents will be active all Easter long weekend - Friday to Monday.

You may think we are like every other debt collection company but we are not. All we want to do is talk to you and come to an amicable and realistic repayment plan, before there is even any need to involve our for doorstep collectors or Legal Department.

EASTER SPECIAL OFFER:

Option 1 - a single lump sum payment of 70% in Full and final settlement to be paid no later than Monday 30th March 2012...this would mean you paying back less than you actually borrowed!


Option 2 - £10 holding payment made by debit or credit card will secure an instalment settlement figure of 90% of the debt payable over 6 equal monthly payments of to start no later than Monday 30 April 2012.


These offers are available for acceptance until Easter Monday, but call earlier to guarantee the offer as demand on our switchboard will be high.

Please call 0844 7709583 or 01138 876876 for immediate assistance.


Get rid of this debt once and for all before costs and interest start to escalate.

Yours faithfully








Home Visit Department
Motormile Finance UK Ltd

Originally Posted by calum031189

Hi Foxtrotoscar,

Yes they do send them everyday now followed with a text message, telling me if "If I want to avoid any embarrassment i should contact them to arrange an appointment". I have told them to do one as i am not making any appointments nor am i speaking to them on the phone. I would write to them but find emails are a faster and form of communcation. However they seem to want to talk on the phone quite alot and i just found them rude and they all seem to want me to confirm address and details over the phone which of course i refuse because they haven't written to me yet.which i think they don't have yet!

I'm about to do a Trust Deed so they can do what they like, and the second one of their guys turns up at my door the police will be phoned as i have got all the evidence i need for harassment and for them failing to adhere to the OFT guidelines.

How are they with you? I'm in Scotland so i know things are lot harder for guys in England.

so have you already had a visit?

Report them to the OFT, as they are doing an in depth investigation into the murky world of payday loans. WDA used to be a reputable company but changed their systems and became very very difficult to deal with. They MUST be reported.

If this case is a couple of years old as you state and you have not got them to agree a reasonable repayment plan then this is blatant harrassment and needs to be stopped.

If they send somebody round they are not bailiffs, cannot use bailiff powers and cannot do a 'pre assessment visit to assess your property' as some like to claim.

No visit as of yet @foxtrotoscar. Hey Sillygirl thanks for the information. Since i sent the message over to them i have had no contact whatsoever, here is hoping they leave me alone now

Never call them on the phone unless you are able to record the full call. Make sure to state at the start of the call before you confirm any details with them that you will be recording the call in full. They will normally stumble for words and hang up, or call your bluff.

Either way, you can record them.

As for people calling at your door, you know they dont have ANY legal rights to do so right? Your milkman has more legal rights than they do.

doorstep collectors are commision based and will do and say anything to get money from you.

You can always PM a site admin with the details and let them decide whether to make it public, or hold them back.

All ready on the website. Just click their names on the top.

http://www.mmile-invoices.co.uk/

Hi JonathanFrancis

Yes you have there names on that link but if you look at the actual address on that link that address is just a main office/call centre it not there actual Head Office where they actually work from which is what I have posted.

Your Link was interesting especially about Barnaby Page and the IVA date as i wonder if he was still allowed to be a Director of Motormile with this IVA?

All the contact info, credit score and accounts is available here:-

http://www.mmile-invoices.co.uk/motormile-finance.php