This is the first ever contact from mmf to me in june 2017 (below) ...Which turns out to a bad debt from 2012 ( Note I Have lived at the same address for over 20 yrs so I don't know why they state " previous communications ") After receiving this letter through the door I called them immediately and explained that I have never taken out any loan in my life. From that moment on all they are interested in is gaining as much personal information about you as possible inc, wage slips, bank statements, employers details for last six yrs, NI number, D.O.B, Photo id such as passport/driving licence. As you can see that's an awful lot of sensitive info to give a company who collects bad debt. That's why after continually receiving these letters I was very upset. I have sent them explanations of what happened at the time and forwarded the crime ref number. Dear Ian D Your balance £250 We write further to our previous communications and note that we have yet to receive a reply. If you have more than one account with us you will find a breakdown enclosed. Please note that we will not ask you to pay more than you can afford - we are keen to reach a solution with you in line with your finatial curcumstace. Using our expertise we will help you assess your affordability however to do this we need to speak to you. Please contact us on 0113 887 6876. Alternatively, if you prefer you can: Email us with a payment proposal, register a dispute or request a call back on customerservice(at)mmile.com; or Visit our website on mmile.com to make a payment, submit a financial statement and offer of payment. Please treat this matter as urgent and take action today to prevent any continuous communication. Information pertaining to this account may be registered with credit reference agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future. we look forward to hearing from you within 7 days your sincererl

I appreciate all your help. I thought I was on my own a few days ago. Many thanks, I have scanned the very first email from mmf in June 2017 last year. This was the first contact from what as a fraudulent loan taken out in my name from 2012. P.s just found out I need ten posts on this forum until you are allowed to submit pictures!

Hi thanks, its definitely not my debt, I have never applied for or taken out a loan other than the mortgage for my house which is paid off.

Hi many thanks for your reassuring reply. I wouldn't know how to check a credit file, i really don't want to know. I don't have credit card and only buy something if I can afford it. They seem to invest a lot money into their letters delivered to my door. I am very concerned that the " Nature of the beast is to collect bad debt and they have to earn money anyway they can so they can ply their misery." With the sensitive information that's being requested they are very probably selling on these details to to third parties to provide some funding. ( You could get a passport with those details! ) What is SB? Many thanks again, Ian

Hi, I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream". It was a lot of hassle at the time ( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up. I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name. "Let me just say that I have never ever applied or taken out any loan in my life other that a mortgage for our home that is now fully paid off". back in June 2017 I started receiving letters from MMF motormile finance now Lantern, stating that I owed them £250 for another loan from what turns out to be taken at around the same time as the other loans in 2012! I phoned them straight away and explained what had happened. But all this did was for them to send demanding letters on a weekly basis! I forwarded the police action fraud crime number from 2012 thinking that that would be the end of the matter. But all they do is keep sending me more demanding letters. Are these people above the law or what! They keep asking for very personal details e.g bank statements from 2012, my national insurance number, payslips, photo id from a passport or driving licence. I'm sure it would be reckless to send such sensitive information to a bad debt collecting company! (Do they cover their costs by selling on this very useful and very accurate information to third parties?) It would be very lucrative if they did as they would have all the information to take out a loan in my name!! What's going to happen in another few years, Am I going to get demanding letters form another bad debt company?? As much I want to clear my name I am very sceptical about about how they would use that information. I lay awake at night worrying myself to death, I am frightened about what they might do. I have been to Citizens advice bureau who just say go to police action fraud! its bonkers. If a company doesn't accept a police action fraud number and the evidence from the time of the identity fraud then they are surly acting above the law!

Hi, I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream". It was a lot of hassle at the time ( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up. I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name. "Let me just say that I have never ever applied or taken out any loan other that a mortgage for our home that is now fully paid off". back in June 2017 I started receiving letters from MMF motormile finance now Lantern, stating that I owed them £250 for another loan from what turns out to be taken at around the same time as the other loans in 2012! I phoned them straight away and explained what had happened. But all this did was for them to send demanding letters on a weekly basis! I forwarded the police action fraud crime number from 2012 thinking that that would be the end of the matter. But all they do is keep sending me more demanding letters. Are these people above the law or what! They keep asking for very personal details e.g bank statements from 2012, my national insurance number, payslips, photo id from a passport or driving licence. I'm sure it would be reckless to send such sensitive information to a bad debt collecting company! (Do they cover their costs by selling on this very useful and very accurate information to third parties?) It would be very lucrative if they did as they would have all the information to take out a loan in my name!! What's going to happen in another few years, Am I going to get demanding letters form another bad debt company?? As much I want to clear my name I am very sceptical about about how they would use that information. I lay awake at night worrying myself to death, I am frightened about what they might do. I have been to Citizens advice bureau who just say go to police action fraud! its bonkers. If a company doesn't accept a police action fraud number and the evidence from the time of the identity fraud then they are surly acting above the law!