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Mmf and kapama limited


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Hi wondering if any one can help or advise

 

New to the forum

 

Hi yesterday we randomly recieved a letter from mmf debt purchase and recovery

 

Total balance £628

 

No idea what this is and nothing to that ammount on my credit file that i can see

 

Buried my head a few year ago .. now trying to get back on track ...

 

 

Any advice would be great .. think was a payday loan but unsure . Nothing is mentioned in the letter

 

 

Also the day before

 

 

Checked on clear score as i do regular and things were improving .. trying to get my score up after years of burying my head .. pay day loans etc ..

 

Today i see a new one

 

Listed as

Kapama limited (I)

 

Current balance £936

 

Opening balance £189

 

ACCOUNT OPENED

14th March 2014

 

Had no corrspondence

Although i have moved over 2 year now

 

Ok do i contact them ?

Which would mean giving current address ?

Leave alone ?

 

Reading so much regarding these people and how they trade and cant supply the correct info when requested .

 

Also how can £189 b3come £936

 

If any one can advise would be great

 

 

Also i had a previous dept with british gas in 2014... paid now in full towards end of last year but still showing even though it says balance zero ? Should this be marked as a positive

 

 

 

 

 

Thanks

In advance

 

Dave

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Sorry should also have added .. i checked via clear score .. i dont have a debit or credit card so dont think i can get a score from any one else .

 

3 / 4 year ago in a bit of a mess .

Breaking down relationship . Work was getting minimal . Sufferd with depression etc .. all lead to a full break down ... lost everything back then ..now have a new life and happily married . In a different part of england and now just trying to get everything in order .

 

Im self employed . My wife is a full time carer for her oldest son with aspegers .. she has two more and kids and the yougest is 12.

 

Any advice realy apreciated

 

Thanks

 

Dave

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send MMF and Kampla a CCA request

that way they have your correct address and cant get a backdoor CCJ.

you should ALWAYS inform creditors of a change of address or backdoor CCJ's can appear to bit you

 

 

as for British gas

even if you paid it off

a default is a default and its there for 6yrs regardless to any payment.

 

 

if you had numerous payday loan and already had money issues

then id be investigating a few irresponsible lending complaints to the ORIGINAL LENDERS.

 

 

might even get them wiped

 

 

hiding is NO ANSWER.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if they do not know your correct address I would send a CCA request

that kills two birds.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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