Last week I had to phone a DCA (I know, I've read many posts about writing not ringing, but this was absolutely necessary).

I used a landline, which we have only recently had changed and prefixed the DCA phone number with 141.

Long story short, the DCA asked me if I had a number they could call me on, to which I said no,

I'm staying at a friend's house at the moment and I can't give you the number.

Went out yesterday and returned last night to find 1 number on my landline caller ID - theirs!

How did they 'see through' the 141 to lift the number I had called from?

The telephone number genuinely is in a friend's name and they did not know the address from which I was ringing, so it wasn't a simple call to directory enquiries that gave them the info.

They must have some form of technology to disregard the 141.

The DCA, btw, is an outfit in Bradford called Motormile Finance, which has bought a debt from Mack Hall.

Although I've heard of MH, never come across MF on the debt collection scene before and I've had 'experience' with dealing with DCAs for a long time now,

so am not familiar with how they operate, apart from the fact that they are extremely efficient with their tracing methods,

and seeing through withheld numbers!

Any help much appreciated, thanks.

As far as l am aware they cant do that. If they ring and your there just advise them your not at the house as its not your property and ask them to remove the number from there records. Keep going over and over it till they get the message.

Posts moved & new thread created.

If that is the case then OfCom would be the place to forward your complaint too, the only people I know who can read or see withheld numbers are the emergency services for obvious reasons.

more history on the debt too please...

can we help on that?

dx

I don't think they can see the number. Can you change the number, just in case? Once they have it they tend to keep using it regardless of what you say. I would get a cheap mobile or a VOIP phone and turn it off when youre not using it. Disable voicemail, and eventually they'll stop calling it. Just get another cheap SIM and you can use the phone and they can never contact you.

My understanding, is that if you phone them on a freephone (0800) number, then the number withholding does not work. Apparently this is on the grounds that as they are paying for the call they have a right to see who it is from

My understanding, is that if you phone them on a freephone (0800) number, then the number withholding does not work. Apparently this is on the grounds that as they are paying for the call they have a right to see who it is from

thats interesting. I just did a quick search, and you may be right, but it may be because the switchboard you are calling has been 'tuned' to retrive the calling number from the data stream used by the phone company to bill you. Obviously the billing info is always sent, so its possible for some to retrive it. DCAs obvilusly like to have up to date contact info, and a sneaky tactic like that is up their street.

The number may also be seen by anyone if you press the redial button rather than redialling manually with the 141.

Looks like a cheap mobile is the way to go, or else use Trucall to block them, or a smartphone with call blocking software to weed out withheld numbers and those you don't want to hear from.

That and never phoning them unless from a public payphone. Actually, using a payphone and giving them the number is a good idea.

I’m not sure Motormile’s collection policies tally with the OFT guidelines:

We always seek to find an amicable solution with our debtors.

If contacted, we will:

• try to reach a realistic repayment plan

and/or

• offer very generous lump sum settlement discounts.

If we are ignored, then each and every debtor will receive doorstep visits.

Unlike other collectors, MMF doorstep agents will attend addresses on early mornings, during the day, on evenings and at weekends until such time as we are able to make positive contact.

Our sophisticated trace systems ensure that individuals can be located even if they have changed address several times.

Our doorstep agents will seek to agree an instalment plan or a discounted settlement. They will happily sit down and go through a subject’s financial papers to establish a

realistic instalment plan.

Their website: http://www.mmile.com/collection.html

Nice people! I’m sure they would never use any underhand methods.

Damn, id love MF to buy one of my debts. Its always amusing to see how far I can physically throw a debt collector.

You mean you keep a collection of doorsteps especially for people like them?

well they dont appear to members of the CSA

not too happy about their company registration either

Our strategy is simple and can be summed up in the progression of 3 words: telephone – doorstep – legal.

--

Dont think so mateys

if they ring again ask them if they are registered with the CSA and their OFT licence

The DCA, btw, is an outfit in Bradford called Motormile Finance, which has bought a debt from Mack Hall.

MMF is a debt purchase company.We specialise in buying distressed debt

and collecting it through our unique blend of experience and collections strategy.

Well Motor mile Finance may be breaking the law because;

Company Name: MOTORMILE FINANCE LIMITED

 

 

 

Previous Name(s): INDEX LINK LIMITED (until 01/12/2000)

 

Registered Number: 04107601

 

Registered Office: HAZELCROFT HOUSE

322 HARROGATE ROAD

ECCLESHILL

BRADFORD

BD2 3TB

 

Incorporation Date: 14/11/2000

 

Country Of Origin: United Kingdom

Company Type: Private Limited Company

 

Accounting Reference Date: 30/04

Last Accounts Made Up To: 30/04/2007

Next Accounts Due:

 

Last Annual Return: 14/11/2008

Next Annual Return Due:

 

Company Status: Dissolved

Type of Accounts: TOTAL EXEMPTION SMALL Accounts

 

Nature Of Business: 6523 - Other financial intermediation

 

 

Filing History

 

 

15/09/2009 STRUCK OFF AND DISSOLVED

02/06/2009 FIRST GAZETTE

18/02/2009 RETURN MADE UP TO 14/11/08; FULL LIST OF MEMBERS

21/01/2009 RE SALE OF PROPERTY 25/11/2008

29/05/2008 30/04/07 TOTAL EXEMPTION SMALL

08/01/2008 RETURN MADE UP TO 14/11/07; FULL LIST OF MEMBERS

20/12/2007 RETURN MADE UP TO 14/11/06; FULL LIST OF MEMBERS

05/03/2007 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/04/06

22/02/2007 PARTICULARS OF MORTGAGE/CHARGE

11/07/2006 PARTICULARS OF MORTGAGE/CHARGE

11/07/2006 PARTICULARS OF MORTGAGE/CHARGE

17/02/2006 RETURN MADE UP TO 14/11/05; FULL LIST OF MEMBERS

17/02/2006 RETURN MADE UP TO 14/11/04; FULL LIST OF MEMBERS

REGISTERED OFFICE CHANGED ON 17/02/06

25/01/2006 PARTICULARS OF MORTGAGE/CHARGE

31/10/2005 TOTAL EXEMPTION FULL ACCOUNTS MADE UP TO 30/04/05

05/07/2005 REGISTERED OFFICE CHANGED ON 05/07/05 FROM:

G OFFICE CHANGED 05/07/05

BUCKLE BARTON CHARTERED

ACCOUNTANTS, SANDERSON HOUSE

STATION ROAD HORSFORTH

LEEDS LS18 5NT

11/05/2005 PARTICULARS OF MORTGAGE/CHARGE

01/03/2005 TOTAL EXEMPTION FULL ACCOUNTS MADE UP TO 30/04/04

07/04/2004 PARTICULARS OF MORTGAGE/CHARGE

18/12/2003 TOTAL EXEMPTION FULL ACCOUNTS MADE UP TO 30/04/03

28/11/2003 RETURN MADE UP TO 14/11/03; FULL LIST OF MEMBERS

SECRETARY'S PARTICULARS CHANGED

30/04/2003 PARTICULARS OF MORTGAGE/CHARGE

14/02/2003 PARTICULARS OF MORTGAGE/CHARGE

28/11/2002 RETURN MADE UP TO 14/11/02; FULL LIST OF MEMBERS

08/10/2002 ACC. REF. DATE EXTENDED FROM 30/11/02 TO 30/04/03

17/09/2002 TOTAL EXEMPTION FULL ACCOUNTS MADE UP TO 30/11/01

S386 DISP APP AUDS 19/06/02

S252 DISP LAYING ACC 19/06/02

02/07/2002 S366A DISP HOLDING AGM 19/06/02

02/07/2002 SECRETARY RESIGNED

02/07/2002 NEW SECRETARY APPOINTED

11/12/2001 RETURN MADE UP TO 14/11/01; FULL LIST OF MEMBERS

11/12/2001 DIRECTOR RESIGNED

AUTHORISED ALLOTMENT OF SHARES AND DEBENTURES

NC INC ALREADY ADJUSTED 14/11/00

10/10/2001 ALTERATION TO MEMORANDUM AND ARTICLES

10/10/2001 £ NC 100/1000

14/11/00

27/07/2001 REGISTERED OFFICE CHANGED ON 27/07/01 FROM:

G OFFICE CHANGED 27/07/01

134 PERCIVAL ROAD

ENFIELD

MIDDLESEX EN1 1QU

04/06/2001 DIRECTOR RESIGNED

04/06/2001 SECRETARY RESIGNED

31/05/2001 NEW SECRETARY APPOINTED;NEW DIRECTOR APPOINTED

31/05/2001 NEW DIRECTOR APPOINTED

12/12/2000 ALTER MEMORANDUM 24/11/00

30/11/2000 COMPANY NAME CHANGED

INDEX LINK LIMITED

CERTIFICATE ISSUED ON 01/12/00

14/11/2000 INCORPORATION DOCUMENTS

CERTIFICATE OF INCORPORATION

STATEMENT OF DIRECTORS & REGISTERED OFFICE

DECLARATION OF COMPLIANCE

MEMORANDUM OF ASSOCIATION

ARTICLES OF ASSOCIATION

 

 

Mortgages

 

No. Mortgage Charges: 8

Mortgage Charges Outstanding: 8

Mortgage Charges Part Satisfied: 0

Mortgage Charges Satisfied: 0

 

 

Charge No: 1

Creation Date: 06/02/2003

Registered: 14/02/2003

Satisfied: Outstanding

Description: DEBENTURE

Person(s) Entitled To Charge: NATIONAL WESTMINSTER BANK PLC

Charge No: 2

Creation Date: 29/04/2003

Registered: 30/04/2003

Satisfied: Outstanding

Description: BLOCK DISCOUNTING AGREEMENT

Person(s) Entitled To Charge: HITACHI CREDIT (UK) PLC

Charge No: 3

Creation Date: 25/03/2004

Registered: 07/04/2004

Satisfied: Outstanding

Description: BLOCK DISCOUNTING AGREEMENT

Person(s) Entitled To Charge: DAVENHAM TRUST PLC

Charge No: 4

Creation Date: 10/05/2005

Registered: 11/05/2005

Satisfied: Outstanding

Description: LEGAL CHARGE

Person(s) Entitled To Charge: NATIONAL WESTMINSTER BANK PLC

Charge No: 5

Creation Date: 23/01/2006

Registered: 25/01/2006

Satisfied: Outstanding

Description: DEED OF ASSIGNMENT OF HIRE CONTRACT(S)

Person(s) Entitled To Charge: DAVENHAM TRUST PLC (THE LENDER)

Charge No: 6

Creation Date: 28/06/2006

Registered: 11/07/2006

Satisfied: Outstanding

Description: DEED OF ASSIGNMENT OF HIRE CONTRACT(S)

Person(s) Entitled To Charge: DAVENHAM TRUST PLC

Charge No: 7

Creation Date: 28/06/2006

Registered: 11/07/2006

Satisfied: Outstanding

Description: LEGAL CHARGE

Person(s) Entitled To Charge: DAVENHAM TRUST PLC

Charge No: 8

Creation Date: 21/02/2007

Registered: 22/02/2007

Satisfied: Outstanding

Description: DEED OF ASSIGNMENT OF HIRE CONTRACTS

Person(s) Entitled To Charge: DAVENHAM TRUST PLC

However there's a similar named company;

Company Name: MOTORMILE FINANCE UK LIMITED

 

Print Report

 

 

Previous Name(s): NO PREVIOUS NAME HAS BEEN RECORDED DURING THE LAST 20 YEARS

 

Registered Number: 06637307

 

Registered Office: SANDERSON HOUSE STATION ROAD

HORSFORTH

LEEDS

UK

LS18 5NT

 

Incorporation Date: 03/07/2008

 

Country Of Origin: United Kingdom

Company Type: Private Limited Company

 

Accounting Reference Date: 31/07

Last Accounts Made Up To: 31/07/2009

Next Accounts Due: 30/04/2011

 

Last Annual Return: 03/07/2010

Next Annual Return Due: 31/07/2011

 

Company Status: Active

Type of Accounts: TOTAL EXEMPTION SMALL Accounts

 

Nature Of Business: 6521 - Financial leasing

 

 

Filing History

 

 

09/03/2011 PARTICULARS OF A MORTGAGE OR CHARGE / CHARGE NO: 1

24/08/2010 03/07/10 FULL LIST

24/08/10 STATEMENT OF CAPITAL;GBP 500

02/07/2010 31/07/09 TOTAL EXEMPTION SMALL

10/08/2009 RETURN MADE UP TO 03/07/09; FULL LIST OF MEMBERS

18/12/2008 DIRECTOR APPOINTED BARNABY EDWARD PAGE

18/12/2008 DIRECTOR APPOINTED NEIL ANTHONY PETTY

11/07/2008 VARYING SHARE RIGHTS AND NAMES

AUTHORISED ALLOTMENT OF SHARES AND DEBENTURES

04/07/2008 APPOINTMENT TERMINATED DIRECTOR RWL DIRECTORS LIMITED

04/07/2008 APPOINTMENT TERMINATED SECRETARY RWL REGISTRARS LIMITED

03/07/2008 INCORPORATION DOCUMENTS

CERTIFICATE OF INCORPORATION

STATEMENT OF DIRECTORS & REGISTERED OFFICE

DECLARATION OF COMPLIANCE

MEMORANDUM OF ASSOCIATION

ARTICLES OF ASSOCIATION

 

 

Mortgage Data

NONE

 

 

 

 

Report Generated 21/03/2011

So a dissolved company is advertising on the web as debt collectors? Very interesting;

Postal Address:

FREEPOST RSRB-RXKU-UJTR

Motormile Finance UK Ltd

322 Harrogate Road

Bradford

BD2 3TB

 

http://www.mmile.com/contact.html

Oh dearie me...

That would explain why there is no record of any licence numbers.... complain to Trading Standards, the OFT, the ICO and the FSA.

looks like the poo has hit the fan.

Something interesting there Mr Cerberusalert. the second company, registered in leeds, can u find out more info about this as i am thinking maybe the same company. 09/03/2011 PARTICULARS OF A MORTGAGE OR CHARGE / CHARGE NO: 1

That would explain why there is no record of any licence numbers.... complain to Trading Standards, the OFT, the ICO and the FSA.

also, Companies House, and HMRC, on teh basis that a dissolved company cannot trade because it doesn't exist. If it doesn't exist it can't pay tax or national insurance or VAT

swould be nice if the op appeared!

dx

Hi, I'm here! Just been catching up on everyone's contributions. Thanks all for your responses. OK, here's the lowdown ... I'll try to keep it brief, while at the same time may appear vague because I don't know if anyone from this MMF read these forums. They seem to have their fingers on the pulse in many ways.

The original debt with Quick Quid was sold to Mack Hall when the account fell into default. MH tried communicating with me at my old address even though they had been informed of my new one, which at the time was out of the country. MH continued to write to the old address. Then it went quiet for a few months and in the meantime I had returned to the UK and am currently staying with another friend in the same town as where I lived previously. I'm of no fixed abode at the moment. Then last Sunday evening just as it was getting dark one of their field agents rolled up to my old address and frightened the living daylights out of my friend who still lives there. She denied all knowledge of my whereabouts, but the guy sat outside her house in his car for a while and she was scared. She rang me to find out what it was all about, but I didn't have a clue. All she could tell me was this guy had said he was from Motormile.

So, with no other information to go on I found them on the internet and called them, using 141 to withhold the number. It wasn't an 0800 number, but 01274 for Bradford. I phoned on the off chance it was them and to warn them off appearing at my old address again. Told them my friend had mental health issues and field visits are out of the question as per the OFT.

I also found the information posted here by DonkeyB, so learned a little of their tactics before speaking with them.

Basically told them I was not at the address they have any more. They told me that my name still appeared on the gas and electricity bills. It materialises that my friend hadn't got round to removing me from the bills yet, so how did MMF find out that I was on the bills? More worryingly, when the guy asked my friend her name, she said her first name and he looked down at his paperwork and told her her own surname, referring to the fact that she was on the bills too, which freaked her out completely!

They asked me if I had a number they could call. I said no, and gave them one of my email addresses instead, but they haven't tried to contact me by email, but somehow they've got the number I called from and tried phoning. Again, this is a friend's number, so I'll have to try and stop them using it. I do have a spare sim card I can use for this anyway, so will phone from that one next time.

I haven't given them my friend's address where I am at present, so they only have the old address. I was told that MH and MMF had written to me to let me know that the debt had been sold on, as per what should happen according to the OFT. I told them I hadn't received any letters and that the doorstep visit was the first communication from them. Then both letters arrived at my old address in the same envelope 2 days after the field officer visit. They had only been sent on the Friday before the FO appeared on the Sunday! I have been told that no field officers will be sent to that address again, but seeing is believing!

Anyway, my call to them ended with me saying I would call them back, but I haven't done so yet. And so they tried me first. No message left, just their number on caller display.

Hope this sheds some light on my situation.

Just dug out the letter MMF sent. Says the debt is owed to Motormile Finance UK Ltd with the address for head office as being Hazelcroft House, 322 Harrogate Road, Bradford BD2 3TB. Interesting... in light of cerberusalert's earlier post which had this company at a different address, and Motormile Finance Ltd as a dissolved company at the Bradford address. Hmmmm... where do I go from here if they're operating illegally?

when was the last time you paid anything on the finance and when did it start and how much have you paid [roughly]

i would not be too worried about giving details away

there is little they can do to you

dont forget none of the doorsteppers have ANY LEGAL POWERS

they ARE NOT BAILIFFS!!!

dx

Hmmmm... where do I go from here if they're operating illegally?