Well nothing for months and found this email in my spam folder, never had any replies in writing after asking for proof they own the debt. CUSTOMER REFERENCE: M CURRENT OUTSTANDING BALANCE: £1433.44 Dear As you now have more than one account with us, you have been allocated a new unique customer reference number (shown above), which you should use in all future correspondence or contact with us for all of your accounts. This will then remain as your reference for all dealings with MMF, giving us and you a single customer view of your MMF accounts. Please see the breakdown of your accounts below: Original Lender Name Reference Amount Outstanding Mr Lender Payday Loans 429.44 Quick Quid Payday Loans 1004.00 You do not have to pay the full amount immediately - we are keen to reach an affordable solution with you in line with your financial circumstances. Call us today on 0113 887 6876 our agents will be happy to tailor a repayment plan to suit you. Alternatively, if you prefer you can: · Email us with a payment proposal, register a dispute or request a call back on [email protected]; or · Visit our website at http://www.mmile.com to make your payment, submit a financial statement and offer of payment. Please treat this matter as urgent and take action today to prevent any continued communication. Any future payments made to MMF will be divided equally between all of your accounts, unless you have instructed us otherwise. If you would like to change this, please contact us on the number below. We have enclosed a breakdown of the accounts for your reference. Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future. Our office opening hours are Monday to Thursday 8am to 7pm, Friday 8am to 6pm and Saturday 10am to 1pm. Yours sincerely Motormile Finance UK Limited (MMF) Please note: If you choose to communicate with MMF by email, unless otherwise advised by you, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collections activity, negotiations and other services and products. Motormile Finance UK Limited is authorised and regulated by the Financial Conduct Authority for consumer credit regulated accounts under firm reference number 718024. MMF is the trading name of Motormile Finance UK Limited, a company registered in England and Wales with company number 06637307. Our registered office is Protection House, 83 Bradford Road, Leeds LS28 6AT. http://www.mmile.com EmailID:[2881609]

Well they keep sending the emails FINAL REMINDER Dear Account ID We have written to you previously requesting that you pay the above overdue amount or contact us. Our records show that this debt, originally issued by MCO Capital Limited(Trading as SpeedCredit), remains unpaid and we have been left with no other alternative other than to consider further action. Further action may include Litigation Proceedings commenced against you. We recommend that you seek legal advice immediately if you are unsure of the consequences and additional costs that may be added to the amount due if judgement is found in our favour. Please be aware that this may also affect your future ability to obtain credit. Prior to potentially escalating this matter we have authorised to accept 75% of the amount owed £300.00 as full and final settlement of the amount outstanding balance which will end your liability and avoid any further action being taken against you. If this matter is an oversight, on your behalf, we request that you visit our Customer Service website at unitedkash.com and take advantage of the final settlement amount due. If you wish to get into contact to discuss your debt, please call United Kash Limited on 01473372210 or email [email protected] . Additionally, you may visit our website and utilize the various self-service option available to you . If your financial circumstances prohibit you from making a full payment you have multiple options available to you. On our website you can also: • Propose to pay your account by instalments if you are unable to pay in full • Request us to call you back at a time convenient to you • Advise us of a Dispute so that we can raise this with our client • Advise us if you are using a 3rd party Debt Management company • Advise us if you have been made Bankrupt or have entered into an IVA • Complete an updated Income and Expense Form • Set up a payment plan If you wish to get into contact to discuss your loan, please call United Kash Limited on 01473372210 or email at [email protected]. If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have further suspended additional action until the following week and look forward to receiving your payment in full or a re-payment proposal from you by before 19/09/16. Yours faithfully ------------------------------- United Kash Limited United Kash Limited is authorized and regulated by the Financial Conduct Authority in relation to Consumer Credit Activities and Debt Collection. It is registered on the Financial Services Register under Interim Permission number 672388. It is registered in England and Wales with Company Registration Number 06890816. Its Office: Office 21, Epsilon Business Centre, West Road, Ransomes Euro Park, Ipswich Suffolk IP3 9FJ.

Well just had the statement any the amount outstanding is £20,198.99 and they have stated we are refusing to deal which this matter and legal action is in progress ?????

They are not giving up as emails every day, strange as only ever had 1 loan from Speedcredit which was in December 2011 URGENT PAYMENT DEMAND Dear Mr , Account ID This letter has been sent to you in respect to an outstanding amount due, originally issued by MCO Capital Limited(Trading as SpeedCredit). We assume that this matter is an oversight on your behalf and request that you call us on 01473 372210 and pay the amount due £200.00. Or: • Propose to pay your account by instalments if you are unable to pay in full • Request us to call you back at a time convenient to you • Advise us if you are using a 3rd party Debt Management company • Set up a payment plan If you wish to get into contact to discuss your loan, please call United Kash Limited on 01473372210 or email [email protected]. If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have suspended further action until next week and look forward to receiving your payment in full or a re-payment proposal from you by 28/08/16. Yours faithfully ------------------------------- United Kash Limited United Kash Limited is authorized and regulated by the Financial Conduct Authority in relation to Consumer Credit Activities and Debt Collection. It is registered on the Financial Services Register under Interim Permission number 672388. It is registered in England and Wales with Company Registration Number 06890816. Its Office: Office 21, Epsilon Business Centre, West Road, Ransomes Euro Park, Ipswich Suffolk IP3 9FL. URGENT PAYMENT DEMAND Dear Mr , Account ID This letter has been sent to you in respect to an outstanding amount due, originally issued by MCO Capital Limited(Trading as SpeedCredit). We assume that this matter is an oversight on your behalf and request that you call us on 01473 372210 and pay the amount due £200.00. Or: • Propose to pay your account by instalments if you are unable to pay in full • Request us to call you back at a time convenient to you • Advise us if you are using a 3rd party Debt Management company • Set up a payment plan If you wish to get into contact to discuss your loan, please call United Kash Limited on 01473372210 or email [email protected]. If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have suspended further action until next week and look forward to receiving your payment in full or a re-payment proposal from you by 28/08/16. Yours faithfully ------------------------------- United Kash Limited United Kash Limited is authorized and regulated by the Financial Conduct Authority in relation to Consumer Credit Activities and Debt Collection. It is registered on the Financial Services Register under Interim Permission number 672388. It is registered in England and Wales with Company Registration Number 06890816. Its Office: Office 21, Epsilon Business Centre, West Road, Ransomes Euro Park, Ipswich Suffolk IP3 9FL. URGENT PAYMENT DEMAND Dear Mr , Account ID This letter has been sent to you in respect to an outstanding amount due, originally issued by MCO Capital Limited(Trading as SpeedCredit). We assume that this matter is an oversight on your behalf and request that you call us on 01473 372210 and pay the amount due £400.00. Or: • Propose to pay your account by instalments if you are unable to pay in full • Request us to call you back at a time convenient to you • Advise us if you are using a 3rd party Debt Management company • Set up a payment plan If you wish to get into contact to discuss your loan, please call United Kash Limited on 01473372210 or email [email protected]. If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have suspended further action until next week and look forward to receiving your payment in full or a re-payment proposal from you by 28/08/16. Yours faithfully ------------------------------- United Kash Limited United Kash Limited is authorized and regulated by the Financial Conduct Authority in relation to Consumer Credit Activities and Debt Collection. It is registered on the Financial Services Register under Interim Permission number 672388. It is registered in England and Wales with Company Registration Number 06890816. Its Office: Office 21, Epsilon Business Centre, West Road, Ransomes Euro Park, Ipswich Suffolk IP3 9FL

Same here just ignore there threats they are toothless company

This also happened to me as well, DWP sent attachment to my employer for £235.00, It was for a loan from 2001. Never had any paperwork - my employer had to take deductions, due to timescales paid in full, wrote to the DWP as to date they have never replied and now give up in getting my money back bunch of crooks the DWP

Well nothing for such a long time and today emails every 5 mins demanding money, PAYMENT DEMAND Dear M Account ID This letter has been sent to you in respect to an outstanding amount due, originally issued by MCO Capital Limited(Trading as SpeedCredit). We assume that this matter is an oversight on your behalf and request that you call United Kash and pay the amount due £200.00. If you wish to get into contact to discuss your loan, please call United Kash Limited on 01473372210 or email [email protected] If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have suspended further action until next week and look forward to receiving your payment in full or a re-payment proposal from you by 20/08/16. Yours faithfully ------------------------------- Christopher Prime United Kash Limited Yet another email Dear Mr Account ID This letter has been sent to you in respect to an outstanding amount due, originally issued by MCO Capital Limited(Trading as SpeedCredit). We assume that this matter is an oversight on your behalf and request that you call United Kash and pay the amount due £200.00. If you wish to get into contact to discuss your loan, please call United Kash Limited on 01473372210 or email [email protected] If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have suspended further action until next week and look forward to receiving your payment in full or a re-payment proposal from you by 20/08/16. Yours faithfully ------------------------------- Christopher Prime United Kash Limited And another email PAYMENT DEMAND Dear Mr Account ID This letter has been sent to you in respect to an outstanding amount due, originally issued by MCO Capital Limited(Trading as SpeedCredit). We assume that this matter is an oversight on your behalf and request that you call United Kash and pay the amount due £400.00. If you wish to get into contact to discuss your loan, please call United Kash Limited on 01473372210 or email [email protected] If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have suspended further action until next week and look forward to receiving your payment in full or a re-payment proposal from you by 20/08/16. Yours faithfully ------------------------------- Christopher Prime United Kash Limited

Well it`s been a long time since any letters and emails and got this today from United Kash ???????? got 2 emails quoting different accounts, strange as never had 2 loans Notice of Assignment Dear Mr , Account ID United Kash Limited is writing to notify you that MCO Capital Limited(Trading as SpeedCredit) Limited has sold and transferred to United Kash Limited all rights to its claim against you. It therefore means that United Kash Limited owns the debt mentioned above. United Kash Limited will contact you to discuss the loan along with claims against you. If you wish to get into contact to discuss your loan, please call United Kash Limited on 01473372210 or email them on [email protected]. You are further notified to direct all payments to the undersigned: United Kash Limited Office 21, Epsilon Business Centre West Road, Ransomes Euro Park Ipswich Suffolk IP3 9FL Barclays Bank PLC Bank Account Number:23385760 Sort Code:20-44-51 Yours faithfully ------------------------------- Christopher Prime United Kash Limited United Kash Limited is authorized and regulated by the Financial Conduct Authority in relation to Consumer Credit Activities and Debt Collection. It is registered on the Financial Services Register under Interim Permission number 672388. It is registered in England and Wales with Company Registration Number 06890816. Its Office: Office 21, Epsilon Business Centre, West Road, Ransomes Euro Park, Ipswich Suffolk IP3 9FL.

Well not had thing few months and this is the email today CUSTOMER REFERENCE: M CURRENT OUTSTANDING BALANCE: £1433.44 Dear As you now have more than one account with us, you have been allocated a new unique customer reference number (shown above) which you should use in all future correspondence or contact with us for all of your accounts. This will then remain as your reference for all dealings with MMF, giving us and you a single customer view of your MMF accounts. Please find below a breakdown of your other accounts with us: Original Lender Name Reference Amount Outstanding Mr Lender Payday Loans 429.44 Quick Quid Payday Loans 1004.00 Any future payments made to MMF will be divided equally between all of your accounts, unless you have instructed us otherwise. If you would like to change this, please contact us on the number below. You can contact us on 0113 887 6876 to discuss your account alternatively you can email us at [email protected] to inform us of your circumstances, request a call back or make an offer of payment. Yours sincerely Motormile Finance UK Limited (MMF) Please note: if you choose to communicate with MMF by email, unless otherwise advised by you, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collections activity, negotiations and other services and products.

This is the details within the letter: RE: Loan We refer to the above matter and our previous letter to you plus your reply. We have spoken to both Mr XXXXX and his local adviser and they have indicated they consider your position is a fraudulent action relating to the loan given to you both Accordingly as you are not prepared to reach any settlement and appears will try and avoid and payment due that they will now consider your action as a criminal action and will advise the authorities to take criminal action against you not just civil. Perhaps you should take further advice and if we hear nothing with 21 days then action will proceed against you both If you have any questions or queries then please contact us and wait to hear from you. Yours Faithfully Sign by the Chap as Legal Manager. I have looked into the company who are sending letter and they seem fraudulent, the own was a solicitor but now cannot act due to bankruptcy and given sent to jail for fraud.

Thanks for replying, My wife is panicking when the letter states Fraud and criminal offence, i have not read the letter myself today, i will tonight later when i get home. I will add the full details of the letter which has been sent.

We fully understand about sitting and waiting for the court papers, they have written again now stated they intend in reporting a fraud as well. They have give us 21 days from the 13th June to confirm a repayment or they will report a fraud claiming its a civil case and criminal as well. I will add the letter words later today, its very hard just to sit back and just play the waiting game.

Well final letter sent by recorded mail the chap claiming to be their solicitor, its been over 10 days and had no reply so far. I did speak to the IP who managed the company administration and they confirmed they are listed as a creditor on the accounts. According to the IP the debt was listed and now the issue is closed according to the IP, i have been told they are trying to sell the claimed debt to a company so maybe the end is not so close.

My neighbor actually told us they claim and how they fool the system as not actually hear say, My question is will the court issue the LO even if the council tax for the current year is up to date and no arrears from any other years, how can they push for a LO from the court even if their are clearly no arrears on the account, We buy our food shopping from Aldi so they will apply for LO asking for payment relating to food shopping which we will need during the year. The council seem to issue LO all the time, even when accounts are up to date, we are being robbed every month by the council as the service they provide are clearly managed poorly, bins collected every 3 weeks, street lights not working. Would be far better unemployed and claiming benefit

I called the council and made the payment in full relating to last years bill and explained as i have paid the £672 i was unable to pay in April and the payment will made in May bring the account up to date. i feel that the council are a joke not only did i repay in pay the balance in full now they intend in getting the LO order as well and the have added £75.00 of costs. When i made the payment via the internet after finding out the offices are closed to the public, i was not told they will be applying to the court. I will be calling the council on Monday morning to find out why they have applied to the court as i had an arrangement to bring the missed payment up to date this month. To make matters even worse i have found out my next door neighbor who is living with a guy who works in Dubai ( Oil Worker ) has been claiming housing & Council Tax benefit for her & the child for the last 4 years. They even told us its easy to fool the council as he works away all the time, they are also enjoying the brand new BMW 4X4 paid paid for by the council the whole system is a joke, i work full time my wife works 16 hours, we applied t the council online and they confirmed we get housing benefit, all our paperwork sent and yes you guessed it right they stated we earn to mush to get benefit yet their web site states we can get the benefit, we wrote ask why and they just state you earn to much end of and closed our claim. Feel like going on benefit and claiming as we would be better off, but to proud to as i have always worked. Sorry for the rant

Can the council still apply for the order even if i have paid the Council Tax and the account is up to date

Hi My local council have issued court Acton for this years current council tax. I was in arrears and cleared the amount of £672.00 on 1st April I informed the council the 1st payment of this years would be on 1st May. Now they have issued the court action as they state I missed payment. If my payments are up to date can they still take me to court to obtain a liability order.

I have been writing since they started the threats, they have added 2 defaults for the same debt and according to the credit ref they cannot change the information and send i have to contact MMF. To date i have had no replies since complaining and in fact the only letter to date is from MMF.

Well another email from this bunch of clowns OUR REFERENCE: ORIGINAL CREDITOR: Quick Quid CURRENT OUTSTANDING BALANCE: £1004.00 Dear Mr XXXXXXXXXXXX We are delighted to inform you that we can offer you a significant discount. Not only is your account eligible for the discount, we can even spread the reduced balance into affordable repayment amounts for you based on your financial circumstances. The offers we have are as follow: Offer Settlement Offer Details 1 50% off your current balance – this is a reduction of £502.00 Up to 2 monthly instalment £251.00 to settle your account 2 40% off your current balance - this is a reduction of £401.60 Up to 3 monthly instalments of £200.80 to settle your account 3 30% off your current balance - this is a reduction of £301.20 Up to 4 monthly instalments of £175.70 to settle your account 4 20% off your balance - this is a reduction of £200.80 Up to 6 monthly instalments of £133.87 to settle your account So, the next steps are: Select the discount option that works for you; Work out the date you can start to pay; Call us on 0113 887 6876 and secure your arrangement today. If you are unsure of the best option for you, we will be happy to explain the benefits thoroughly. Alternatively, you can arrange a call back or discuss the matter generally by emailing us at [email protected]. This is a time limited offer and will be open until the 20th May 2016. We look forward to assisting you with this. Yours sincerely Motormile Finance UK Limited (MMF) Please note: If you choose to communicate with MMF by email, unless otherwise advised by you, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collections activity, negotiations and other services and products. We are authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated agreements. MMF is the trading name of Motormile Finance UK Limited, a company registered in England and Wales with company number 06637307. Our registered office is Protection House, 83 Bradford Road, Leeds LS28 6AT. http://www.mmile.com

Well nothing has changed much with regard to our income and in fact it has been reduced, they used a solicitor last year and after we replied back in writing we got zero reply from that solicitor. They have continued to ask for a future inheritance to be changed which has been refused point block they even got the grandson to ask for the will to be changed as well and again refused. This time the letter we had on 5th which was dated 6th May is from a person who was a solicitor who was charged with 5 counts of fraud sent to jail, and also declared bankrupt and now acts as a type of solicitor giving advice. I have checked this guy out and found he is using name of a legal firm in London at his own home address and the website on the letter is not the company from London and in fact his website is not even registered. I have written a letter which we will send recorded to the address on the letter and to their home address as well. This is the letter which we are sending have we missed anything or need to add any more detail Dear Sir I refer to your letter dated 6th May 2016, I do not accept that any money is owed to you by me or my wife. As you are already fully aware the funds were paid directly to the business this point is very clear which has been already confirmed by Mr & Mrs XXXX, At the time the funds were paid into the company bank account this information was clearly shown on the company debt on the accounts, When the company went into administration the amount was still outstanding on the firms account and Mr & Mrs XXXx were in fact a creditor. I understand that my wife was pressured into signing a document labelled 'promissory note'. As you are aware my wife did not have any involvement with the above debt and cannot be considered liable for it in any way. My wife did not receive any consideration for signing the promissory note and accordingly it is not legally enforceable against her. As the promissory note does not state it was signed as a deed, in our view it is not legally enforceable. In order to have a legally enforceable contract, there must be what is known as "consideration". This means there must be an "exchange" - in other words, Mr & Mrs XXXX would need to have received something of value as part of an exchange in order for her promise to pay money to be legally valid. Our understanding is that Mr & Mrs XXXXXX did not receive anything in exchange for signing the promissory note and hence the promissory note is legally enforceable as a contract. You may read http://en.wikipedia.org/wiki/Conside...in_English_law*to confirm this.* The only exception to the above rule is where you have a document which is signed as a deed. A deed does not require consideration. One of the requirements to have a valid deed is that the document must clearly state that it is a deed. If it does not state this then it is not a deed.* In a sense, this is a technicality. But it is a fundamental technicality and has been a rule of English law since the 1400s - the courts don't enforce contracts like promissory notes unless both sides have exchanged something. I don't think a judge would have much sympathy for them on this given that they pressured your Mrs XXXXXX into signing it. If your client still wishes to take this matter further, I suggest that Mr & Mrs XXXXXX Begins a claim against Mrs XXXXXX through the County Courts so that the claim can be properly adjudicated. We will defend any claim based on the reasons set out above.* However there are different options clearly open to bring this matter to a close, Mrs XXXX who clearly has no funds nor any assets available so no real terms the only option open to Mrs XXXXX is to file for bankruptcy as she is now insolvent. We will have option but to apply for bankruptcy to bring closer this matter. On our last point Mr & Mrs XXXXXX & their son XXXXXXX will now be reported to the Police for Harassment as they continue to put pressure on Mrs XXXXXXX with regard to any future inheritance which XXXXXXXXXX may inherit which clearly is upsetting and fells under harassment. Neither I nor Mrs XXXXX are prepared to discuss this matter via the telephone.' or something similar. Please direct any future correspondence in writing. Yours Faithfully

I do smell a rat here, maybe send the SAR to this guy claiming to be their new solicitor to the address on the letter and send SAR to the London office as well. If i send the SAR do they have to all details they hold on record. Considering they used a solicitor who was a genuine solicitor it seems strange they are moving in a different direction. I think the solicitor from last year may have said they would not have a good case thus they are using the new guy.

Well been digging deep into this company, the letter which we have been sent is clearly not from the firm based in London it has the same name but different address even the web site on the letter is wrong and the website stated has never been listed. i was going to purchase it tonight myself. It would be very interesting to see if the London based company which is also dormant according to companies house is aware this guy is using their name sounds like this is a fraud which has already been confirmed in court. Going to write back and see what happens next,

Yep, the wonders of the internet after digging around I have found out the letter is not from solicitor but an ex solicitor who was charged with 5 counts of fraud. Letter states a legal company who are based in London but this letter is from different address totally. I think they are trying to frighten myself and my wife but clearly we are not stupid enough to roll over.

Sorry the letter which we have been sent is from [removed] which is small cottage, strange address for a solicitor, i have looked on the web and xxx are based in London

- We have had a letter from xxx LLP demanding over £20k relating to this long standing issue, We have been asked to contact xxx Practice Manager with a view to repayment of the outstanding amount. How can we sort this issue out once and for all to bring this to a close. My question is if they start legal action after 21 days what happens next ? Should we file for BR Any help would be great