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  1. I have received a letter today from MMF, which states the following: Dear (me) Outstanding Balance £xxxx As you now have more than one account with us you have been allocated a new customer number which you should use in all future correspondence with us for all your accounts. This will remain as your reference for all dealings with MMF giving us, and you, a single customer view of your MMF accounts. You will find the breakdown of your accounts enclosed. (it's four payday loans) To remind you, we will not ask you to pay more than you can afford, we will remain flexible and only set a repayment plan that is in line with your financial circumstances. 4 steps to an easy repayment plan: 1. Work out how much you can afford 2. Think about the frequency of your paymentns and your preferred method of payment from the options on the back of the letter 3. Contact us on 0113 887 6876 to speak to one of our experienced agents to set your payment plan or 4. Complete the enclosed payment mandate form then return to [email protected] along with you completed income and expenditure form (it isn't enclosed) or alternatively return them in the enclsosed envelpoe (nor is this) You may even be eligible for a discount to assist in clearing these accounts sooner and still be able to spread the repayments. If you are experiencing financial difficulties don't let this stop you, as we have a specialist team equipped to understand and deal with your circumastances. Please note we have highlighted (they haven't) that one of your accounts has exceeded the Statute of Limitations period which mean the period for court action has lapsed however this account still remains payable. Please could you advise what I do now? None of the four payday loans is on any of my credit files, and they are all, to my knowledge, from at least five years ago. The last dealing I had with MMF was a spate of aggressive and threatening texts and calls to my mobile telling me they were turning up at my workplace TODAY if I didn't pay them - they didn't, of course, and I now have a new phone that means I can block numbers so this is the first I've heard in at least two years. Ignore? Or send some kind of response? Thank you in advance!
  2. Just to update on this, letter received today from Brian Carter saying they've 'received my corespondence' (i.e my CCA request) and have 'referred to their client' and have 'put my account on hold'. So I'll wait and see what comes next...
  3. Having looked, I realised I had combined with a CPR. I've now sent a CCA, today, recorded.
  4. Just to update, Mortimr Clarke has writen to me today to say they've put my account on hold while they request the required documents from the origninal creditor. So we'll see what happens when that arrives!
  5. Hello All, just to let you know I've received the following from Brian Carter this morning: We confirm the letter you received was a Letter Before Action and no court proceedings have been issued as yet. In any event this matter would most likely be allocated to the Small Claims Track and Part 31 will not apply. In any event the Notices of Default and Assignment left the control of the Claimant when they were dispatched to you. It is the orginial creditor's policy to issue agreements at the start of the contract and statements thoroughout the duration of the agreement and in this regard we ask you to refer to your own records. So.... what do I reply to that with? Sounds like I'll be receiving court papers sooner rather than later, doesn't it?
  6. Hmmm.. Lowell has applied the default as far as I can see (as in, on my credit file they're named as the creditor. I had a look through the SAR info from the original creditor yesterday, and it seems to suggest I made payments by Direct Debit in 2010, but these payments all appeared to be for Zero, and then the balance went UP by £12 each month (a missed payment fee I assume). I'm now looking to get old bank statements to prove I had no active direct debit and made no payment, so I'll tackle Lowell. But for now I just need to keep Brian Carter off my back. He'll have received the CCA this morning so I'll await my post with treidation next week!
  7. Hi All Thanks for all the assistance yesterday. The CCA is in the post just now, so we'll see what comes back. nonymouse.
  8. Not that I can see - I need to have another look through it tomorrow but I remember not being able to find anything about the last payment,which is what I wanted to challenge Lowell originally.
  9. Yes, this is all the same issue - I have the materials from the SAR but I lacked the mental space to deal with it any further as it was so incomprehensible, and now I've got a CCJ heading towards me. Utterly bewildered by all of this.
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