Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder calum031189 Novitiate

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    Default Motormile Finance Debt Collection Visit Letter

    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 collectionicon 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

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  2. #2
    Basic Account Holder foxtrotoscar Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

    Quote Originally Posted by calum031189 View Post
    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 collectionicon 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


  3. #3
    Basic Account Holder calum031189 Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

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


  4. #4
    Basic Account Holder foxtrotoscar Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

    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?


  5. #5
    Basic Account Holder calum031189 Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

    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.


  6. #6
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    Default Re: Motormile Finance Debt Collection Visit Letter

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


  7. #7
    Basic Account Holder calum031189 Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

    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".


  8. #8
    Basic Account Holder calum031189 Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

    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 planicon, before there is even any need to involve our for doorstep collectorsicon or Legal Department.

    EASTER SPECIAL OFFER:

    Option 1 - a single lump sum payment of 70% in Full and finalicon 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 interesticon start to escalate.

    Yours faithfully








    Home Visit Department
    Motormile Finance UK Ltd


  9. #9
    Basic Account Holder foxtrotoscar Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

    Quote Originally Posted by calum031189 View Post
    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?


  10. #10
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    Default Re: Motormile Finance Debt Collection Visit Letter

    Report them to the OFT, as they are doing an in depth investigation into the murky world of payday loansicon. 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 planicon 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.


  11. #11
    Basic Account Holder calum031189 Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

    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


  12. #12
    Basic Account Holder JonathanFrancis Novitiate

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    Smile Re: Motormile Finance Debt Collection Visit Letter

    Sorry to jump onto the end of this thread with a first post.

    I have a similar problem with Motormile in that I repeatedly get unsolicited text messages and phone callsicon with threatening pre recorded messages.

    My problem may differ in that I have only once ever succeeded in talking to a human when they called and that person whilst pleasant refused to talk about it unless I provide them with a whole lot of personal dataicon.

    So I wrote to the directors explaining I would from that point onward charge them 45 per text message received.

    I had an email back from Paul their office manger confirming he would get to the bottom of it and sort the invoices.

    Alas he must have got lost along the way for his communications have dried up and he no longer responds to my emails.

    I now invoice every time they send a text both in PDF to the directors email addresses and in the post to their Freepost address including each time a free gift in the large package on which the invoice is attached.

    So far a bag of washed old socks and a shirt of my back, today I found a large number of computer mice and a working scanner to go with the latest two invoices. A perfect way to ensure my invoices for their text messages to me do not get lost in the post whilst recycling my old stuff.

    I think they may have started to look forward to receiving them, shame they are not so quick on paying up.

    I have also setup a nice easy website for them to pay me.

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

    All of this in the hope that a real human will call at my door to drop of a cheque or pick up the phone.

    At this rate of default it will soon be enough for a statutory demand !

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  13. #13
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    Default Re: Motormile Finance Debt Collection Visit Letter

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


  14. #14
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    Default Re: Motormile Finance Debt Collection Visit Letter

    Hi All

    The Directors Address for Motormile aint the address on your letter you recieve.

    They have two Directors a Neil Petty and a Barnaby Page and yes I do have the address as been dealing with this Horrible wrotten to the core well could go on and will happily put the address on here.

    That is only if the Site Team will allow it as dont want to get CAGicon into bother.

    Motormile Finance UK Ltd
    Head Office and Accounts
    Protection House
    83 Bradford Road
    Leeds
    LS28 6AT

    I also have one of the director actual email address for that location but that one I will only put up with the Site Teams Permission.

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  15. #15
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    Default Re: Motormile Finance Debt Collection Visit Letter

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


  16. #16
    Basic Account Holder JonathanFrancis Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

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

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


  17. #17
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    Default Re: Motormile Finance Debt Collection Visit Letter

    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?


  18. #18
    Basic Account Holder JonathanFrancis Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

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

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


  19. #19
    Basic Account Holder andyxx1965 Novitiate

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    Default Re: Motormile Finance Debt Collection Visit Letter

    I keep getting repeated emails from MMF, threatening visits from Doorstep agents in respect of two relatively small payday loanicon debts. This continues, despite my replies to the mails and even a telephone callicon to MMF made this week, I am based outside of the UK for work and, therefore, any such doorstep visit will not be appropriate. But it seems MMF don't believe me! During the phone callicon this week, I agreed repayment terms for both accounts and subsequently received bank details to unable me to make international payments. But still the emails come.....! Isn't this debt harassment?


  20. #20
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    Default Re: Motormile Finance Debt Collection Visit Letter

    Yes it is. MMF do not care about the law. Even the owner of MMF tried to blackmail a member of this site to stop them showing the public how MMF really operate.



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