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QQ payday loan and Motormile Finance


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Hi,

 

am receiving emails and letters from Motormile Finance with regards to a QQ payday loan.

 

Just looking for some help on how to deal with them.

 

I have heard some debts come under the CCA and if they cannot come up with a contract then they cannot pursue?

 

iS this correct? Any advice much appreciated.

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Hello welcome to CAG.

 

Emails can be sent to the junk folder, letters should be kept and filed away.

 

When did you take the QQ loan out?

How much?

When did you last pay anything toward it?

 

Why did you stop paying?

Did you inform QQ that you were in financial difficulty?

 

Have you checked your credit file? Noddle is free.

 

Have you responded to MMF at all yet?

 

What is the last letter they sent saying?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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moved you to the MMF forum

read a few posts here

and the QQ forum.

 

i'm wondering what MMF are doing with a QQ loan.

 

you'll see in the QQ forum lots of debts were subject to irresponsible lending and subsequently QQ were told to write them off...

 

i'd be looking at that route esp if you had other loand and a poor credit file at the time.

 

as for MMF

they are pretty much toothless since they got their wings clipped by the authorities.

 

they are NOT A BAILIFF

and as with ANY DCA ..they have no legal powers whatsoever.

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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Hi, Thank you for all your comments.

 

I have not rseponded to any correspondence with them,

 

The last time i made payment was sometime last year and the loan is for £400.

 

well that is what i owe so i dont thing is one of those that was written off?

 

they have only recently taken it i think.

 

Must look at paperwork better a=ti get a better account to answer your questions.

 

They are asking to come up with a repayment plan.

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Ignore their puerile demands for a repayment plan.

 

Their letters are simply generated and spat out by a computer, no human input less for the posty pushing it through your door.

 

Get all your ducks in order first, check your files, and statements.

 

If MMF have this, then something is wrong, but answer a few questions first please...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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who were you paying QQ directly?

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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I took this loan back in December 2013 and repayed and borrowed more till I defaulted in 2014.

 

I was always dealing with QQ.

 

I then stopped hearing from them

 

till december 2016

 

which is when I got Motormile Finance's first email.

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then IMHO id be starting an irresponsible lending complaint with QQ

I take it at the time you took this out

and at later time your credit fil had other defaults and late payments?

 

 

was this you only PDL you had

or you had other debts with other lenders?

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 that's the case you can all but ignore MMF..

get that complaint going to QQ

lots of threads here already on QQ and irresponsible lending see the QQ forum

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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I just thought that maybe a CCA letter might put a stop to this? at least temporarily to start with?

 

No unfortunately, a CCA request isn't a silver bullet like the days of old.

 

Post 07 they learnt by their mistakes and made sure that CCA's were compliant.

 

As DX says, hit them with a IL complaint.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

Thank you for this!

 

just looked at my noddle report and It says accounct closed £0. It appears 4 times as settled and this is that last entry:

 

Account start date 05/08/2014

Account end date 28/08/2014

Opening balance £ 300

Regular payment £ £ 323

Payment start date 05/08/2014

Repayment frequency Monthly

 

It is only since 2016 I have started getting emails about?

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did you get the IL complaint running?

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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Share on other sites

did you get the IL complaint running?

 

I have not in all honesty. I know I told them the right amount of earnings but in all honesty don't remember if they asked me for other loans or not in application. So maybe they can say I was dishonest myself ? I really wan to start it. Do you think I stand a chance?

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if your credit file was crap its IL

that's probably why they've sold it

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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Share on other sites

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