The **** could try but a defence of making SURE comms reached them IS legitimate. Of course if someone sent 1,000 mails then yes it would look iffy, but ask yourself, are they going to try and go after ONE person? Doubtful, very very doubtful given their past history. As for the envelope plot, no proof who sent it (using marigold gloves and pritt stick for the label leaves no evidence lol!) They deserve everything they get and if others should take the lead, who am I to stop them.

I've had the usual spray of letters and message threats from Mike, apparently i'd be embarrassed from a home visit. However, the upper hand i do have as i have a DRO and all debts (bad debts bought thereof) from these parasites are now null and void during the DRO and legally wiped at the end of it. However, it still doesn't stop them contacting debtors with their 'long arm of the law' tactics, I had a missed call on home phone yesterday from Parasite House, one today from an ubiquitous London number, like most DCA's these ******s use non geographic and geographic numbers to (attempt) to fool you into picking the phone up. With me it doesn't work and they're no more than a bloody annoyance now as they have no recourse in law to recover the debts they bought, so screw them. But ... it got me thinking. (That's the devil in me coming out!!!!!). I thought what can i do to make this **** pay by way of wasted time and money, and with any DCA there's always an Achilles heel, and these have TWO. Want some fun for a little time and effort, read on. Completely legal and lawful, nothing they can do but it has the potential to cost them a LOT of money, time and wasted effort. Firstly, their website http://www.mmile.com This has a standard contact page which simply sends an internal email to their servers to be read to an inbox. However, i got pi$$ed off today as it's my week off work, so i sent not one message this way but TWENTY. Then i thought why stop there? All you have to do is press the back button on your browser and as the info in in the cache you can click on 'SEND' again and it does exactly that. Oh what fun I've had. Unfortunately for Motor Mouth Finance and their mate Barry Ellenshaw the so called customer service manager, now i'm going to play a very nasty and deadly game of payback, it;s nothing less than what they deserve for all the misery and heartache they bring into peoples lives. Here's the server response ;- (part of it anyway) Subject: Mail delivery deferred: returning message to sender Date: Thursday, November 21, 2013 2:51 PM Size: 4 KB This message was created automatically by mail delivery software. A message that you sent could not be delivered to one or more of its recipients. This is a temporary error. The following address(es) deferred: [email protected] Domain mmile.com has exceeded the max emails per hour (60/50 (120%)) allowed. Message will be reattempted later ------- This is a copy of the message, including all the headers. ------ Received: from mmile by server.panda-hosting.co.uk with local (Exim 4.82) (envelope-from ) id 1VjVbp-0006Ms-Nr for [email protected]; Thu, 21 Nov 2013 14:51:57 +0000 To: [email protected] SO, this tells us that if they get 50 emails an hour, the server packs up, and pends the remaining ones to be read once the backlog has been read/deleted etc etc, what a WONDERFUL email system they have, it now tells us that if you each send 50 messages via http://www.mmile.com their servers will shut down, don't worry about the bounce back, it doesn't mean the mail is undeliverable but pending, the more you send the more pending, basically shutting their email comms down, and quite legitimately unlike a DDOS attack, of course you WANT your mail to reach them so why not send it a few times - Have fun, because i'm going to, every single day. Second bit of fun, you'll notice on the website that they WANT you to contact them (ostensibly to make an offer of settlement or payment plan) one of these methods is by virtue of good old FREEPOST, basically you address the envelope, put the letter in and sent FREEPOST which means when it goes through the RM sorters, they get a monthly bill for all mail received that has been sent that way!!!! Kerchingy Ching! So, standard DL size envelope up to 100 grams costs them 50p, if its a large letter it costs them 69p. SO all you do, is put blank sheets in each envelope (tying up some sap who has to open all the mail in the home someone's sent a cheque!) pop in local post box and jobs a good 'un. Each letter costs them 50p a throw, 10 blank letters a fiver and 20 a tenner, now, if everyone does this you can run up motor miles postage account at very little cost, 2p for an average DL envelope 0.3p for a sheet of A4 or printed with an index finger on it, have fun, because over christmas I know i WILL. Merry xmas motormile and boy have I got some treats in store for you low life pond dwelling parasites. If everyone can send at least 100 completed contact forms (doesn't have to be your real details but you can enter those minus the phone number) it'll help crash their servers and if you would be so kind to send 50 blank envelopes with 1 sheet of A4 it'll be a great help to dent their profits and hit them back ... and HARD!!!!!! Payback ladies and gents and at very little cost, time or effort to yourselves but it'll stick one hell of a spanner in the works of probably the most illegal DCA in the UK, THE address FREEPOST RSRB-RXKU-UJTR Motormile Finance UK Ltd Protection House 83 Bradford Road, Leeds LS28 6AT NB: if you don't put Freepost as above in bold with ALL the letters chances are it'll never get there .. so DON'T FORGET!

I've been sent numerous texts and calls at night all hours from these arch clowns, further i have emailed barryellenshaw at Protection Racket house, and have had sarcastic replies, also recieved photstats of debt data for debts transferred to them (all payday ones, yet funnily enough i never had ANY letters from the payday companies advising me that the debts have been sold as a 'bad debt bundle' which is what MMF**kwits do. Further, my EMPLOYER was cold called one day, and the matter of MY personal debts were freely given and they wanted to speak to me urgently, breach of DPA, also threatening letters advising me that if i feel the debt is not mine then i need to 'go to the police' (i'd love to Barry E. trust me) the texts stopped and so did the calls but they said they'd place recovery on hold for 59 days or so (odd amount) and then start due process of harassment again, nothing so far. I have the debt date they sent me and some letters, if anyone needs copies of the letter/s i can scan them. I want these b******s shut down, any CCA licence REVOKED period, and prosecutorial action from TS and any other govt. body with a vested interest in clearing out the pond of these low life vicious, thugs-r-us loan sharks. I want to see protection house raided by cops, evidence collated and JAIL terms for the directors, Barry and his buddies, the whole lot. i'll happily give up free time to offer evidence against these **** sucker.

Parasitic chancers who rely on intimidation to get you to cough up. They have two chances with me, slim chance, and no chance. I love their dirty tactics, worst of the lot is lowell portfolio, these slimy scumbags have visited my credit file THREE times to check to see whether any of my debts have been going down to see whether they're in with a chance to pressure me to cough up the readies. Sit back and weep the lot of them because soon i will be 'debt free' and i won't care a hoot!!!!!

I've had 2 calls today from these lowlifes. Not been very active of late, might possibly be the fact that i enjoyed calling them late night, [EDIT] leaving messages via their main number or the pseudo number they called me on (they have masses of numbers they use, so google the numbers that call you and 9/10 times they'll be listed somewhere on the net). Ist number was 07702 873670 and when no response from me (initially) called me again from 07010 068932 which is a personal number i.e. redirected to a number of their choice, home, office, secondary mobile. "There are different sorts of personal numbers. Ones with: 07020 dialling codes can only be diverted to fixed lines, but are cheapest to call -- 16.71p/min peak and 9.85p/min off-peak from BT lines 07050 dialling codes can be diverted to any fixed or mobile number, but currently cost 37.5p/min peak 25p/min evenings and 12.5p/min weekends -- slightly more than calling a Vodafone or Cellnet mobile, although that cost will fall to the mobile rate soon. 07010 dialling codes can be diverted to fixed phones mobiles, and cost about the same as calling mobiles direct -- 32p/min peak, 22p/min evenings and 10p/min weekends. For a per-minute incoming fee these numbers can be diverted overseas, but I have no details about this." i would agree that giving these [EDIT] the CVV number is lunacy, many as well empty your bank account yourself and send it in the post to them, NOT. As ever MMF are a constant source of chuckle and mirth to me, from the tape played message from Mike, who says i'd be embarrassed by a home visit agent and that i should call quoting ref. number XXXXXX. Not half as embarrassed as MMF will be when their home 'door step' recovery agent [EDIT] after a home visit to me, especially as they have a recorded delivery WOIRA from me !!! they're pure chancers, going beyond the line of legality, threats, letters, counter threats, and more letters, the DCA business in the UK is so unregulated (OFT? Don't make me laugh i'll need stitches) and forget trading standards = a total waste of space, time and effort. Just IGNORE the letters, emails and telephone threats, a cowboy company heavily in debt (just get a copy of their latest accounts from Companies House webcheck service to see how bouyant the company finances are, they're hocked up to the eyeballs in debt!) I've gone for a DRO which gets ratified in the next few weeks, once that's done i'll sit back, relax, and laugh in their stupid faces. The fact that you're paying them means they have YOU in their sights, so they scare you to pay more and more and more, then more threats if you don't cough up, screw em I say !!!

Safeloans are **** of the earth, a two man tin pot operation that had its dirty black collar felt by the OFT in 2010 for dipping in to peoples bank accounts by assuming a recurring authority when people gave debit cards, they got their knuckles rapped but little else from the toothless and wholly ineffective OFT. I've got a hearing this coming week with them due to a legal issue with the court, I've sent my evidence to them by fax as seemingly i'm blocked from using the [email protected]. Either way i'm applying for a DRO so they can go to hell the lot of them. *DRO = DEBT RELIEF ORDER " Do you meet the requirements for a DRO? To meet the requirements for a DRO: You must be unable to pay your debts. Your total debts must not be more than £15,000. This does not include unliquidated debts (debts where the amount due is not yet known) or debts that cannot be included in a BRO. Your total assets must not be more than £300. Your disposable income after deducting all normal living expenses, must not be more than £50 per month. You must be living in England or Wales, or at any time during the last 3 years have been resident or carrying on business in England or Wales. You must not have been subject to a DRO within the last 6 years. You must not be involved in any other formal insolvency procedure at the time of application for a DRO. If you have presented a petition for your own bankruptcy and are awaiting a hearing date, you must have been referred to the DRO procedure by the court. If you have been notified that a creditor has presented a bankruptcy petition against you, then you must get that creditor’s permission to apply for a DRO. " I refuse to pay any debt management companies a single penny, they're just as bad as these **** suckers and try to get you to pay less priority debts in favour of THEIR costs and admin fees. If your credit file is dented, a DRO only last for 6 years same as CCJ then start again, so if you owe up to 15k and not a penny over, have no material savings and also have less than 50 quid free capital at end of the month, believe me when I say 90.00 for a DRO is worth its weight in pure gold as .... a) they can't chase you (and payday loan companies HATE when they get wind you're going for a DRO) and b) after 12 months the whole debt is wiped off, unenforceable, unchangeable and dead in the water for ever c) the only 3 debts you cannot add are court fines,TV Licence, Social Fund loans, or Housing Benefit O/Payments, other than that anything can be added. I'm paying 90 quid and waving a fond goodbye to 11k of debt ... happy days, jog on Payday loan sharks. For further advice google or email:- [email protected]

Just out of interest i've clocked this on the OFT, seems that Payday loan sharks are having their collars felt quite severely and are being ruffed up by the OFT, also new legislation looks optimistic, about time these legalized loan sharks got put into their own pool, and are harpooned one by one by one and removed clinically, they impart financial debt and misery on hundreds and thousands of people every week not only with the eye watering interest by the scams and ploys they use to try and collect the debts. Vile, utterly vile and whoever gave W*nga the rights to sponsor TV programmes should be summarily shot at dawn. http://www.oft.gov.uk/news-and-updates/press/2012/40-12

I'd have no hesitation to follow up, but you are correct, their lack of respect for due legal process is the issue, relying on intimidation and bullyboy tactics to reduce a debtor to a sorry state so they cough up, i go the other way, the more hassle i get the less change of a solitary penny in the post (well, id send them a penny red!) really are low life vultures preying on the vulnerable and needy in society.

threatening is one thing but turning up? thats madness as they know they run the real risk of court action, they try that will me and ill sue the slags.

also the company accounts look dodgy, 2009 a/c showing cash in bank 500 quid nearly and owing nearly 200k to creditors? wtf? WELL dodgy if you ask me. i thin also that their CCA licence needs investigation to see whether it can be revoked.

so looks like one of the directors is nearly bankrupt then with an IVA, does that make him a fit and proper person to be a company director with finance? I think not, perhaps time the OFT were advised of this low life parasitic leech and his mate and ask for a formal investigation, better still contact SFO and see if they have any ongoing investigations, most owners of debt buying companies and DCA are crooked and bent directors with a shady history in either illegal money lending or the security industry. Lets put these scumbags out of business and hurt their pockets viciously.

They know full well breaching a WOIRA sent by rec del is a stupid move, even the clown department at TV Licensing aren't that brave, in fact they produced a policy document to deal with such letter as only a warrant of execution from a magistrate under statutory powers can break a WOIRA, it really is THAT powerful, if everyone who had a letter from a DCA replied with a WOIRA they'd all be shafted.

I sent a WOIRA by recorded delivery and had a non-sensical letter from one of the in-house slugs telling me that they won't stop pursuing me (threats indeed) and basically ignoring the fact i have told them with clarity the WOIRA in their case will never be revoked. However, further to this letter, it's evidently ruffled some feathers in their dirty stinking sewer tricks department, as every few days Ive had a 'doorstep challenge' text , i'm half expecting someone to turn up with a pack of DAZ and ask me to show my pillow cases ... then last night, a doorstep text ... at 10.30, which really pi$$Ed me off, then another this morning, however, i found out that you CAN send texts back although they never reply AND lo and behold, you can actually ring the text mobile as it's linked to a landline phone, so evidently they have some kind of automated calling system to dupe you into thinking someone from a mobiles calling you, clever, but not that clever as they now have a massive Achilles heel in their system, you can RING the mobile and it diverts to a phone, so quick as a flash I rang last night and left a sarcastic message quoting my 'M' reference number and 6 digits, basically daring them to make a home visit, this resulted in this mornings text message. So, lets give the **** suckers a taste of their own medicine and wrap them up in nuisance calls, the mobile number to call is 07702873738,(also syas ext 225) just ring say you're ringing in reference to Mxxxxxx and you'd like to make arrangements for payment, make sure your number is withheld so it can't be traced, and start to tell them you'd like to pay 100 a month (gets the juices going) and then before you hang up just repeat their mobile number so they ring themselves, they're that stupid they'll do it. I've just done another one and some silent ones, see how they like their own weapons against them. Scumbags. Overload their message system so any genuine calls HAVE to sifted for, they'll be 'outraged' as the possibility of losing money.

Day off today and phone just went live 4 times, it seems more than coincidence. First was a text from Moutormouth - you're on our visit list ... cool, try this weekend when i'm away, assuming you have the ability to materialise like a ghost through a security door with no public right of access and trespass on private property (as you have a letter on its way for WOIRA!) .. then the phone rang, quick google .. MMF , hooray !!! Then a call from some Claims company in same area, knowing how $h1T sticks to a blanket probably the same company just diff chancers department, then 10 mins later, Lowell 1 portfolio, now their letters (yep, ive got one!) are to the point make FULL payment now .. yes, sir, certainly Sir, cheque? cash? jelly beans? Nope, you're not getting JACK from me Lowell, not a penny,cent,dime,euro .. well, perhaps yes for Euro as it's nearly worthless now. Then a text from them, make contact urgently today, nope, then another call decided to have some fun in the sun, so silently clicked answer and sat there for a minute and then bellowed down the phone ... might just get the message, but I doubt it, always like a little fun with these people.

Yes, they will send a letter detailing who they've bought the debt off for a bag of chocolate coins and half a mars bar. I am sending motormouth finance a letter at the weekend rescinding ANY and ALL access to my property, quite legal and proper, the idiots have got into the habit of ringing and then sending a 'frightening' text as follows ... "Your account is on my home visit schedule. MMF 01138876876 or 0800 996 1103 (the the debt ref number). looking at several number trace sites , just cut and paste the numbers into google, these are evidently threat calls with menaces from **** HQ to frighten people into coughing up the readies, once my WOIRA hits their dusty letterbox by recorded delivery, one - just one home visit will result in court action and ill hang em by the you-know-whats from high to bake in the searing sun. Ignore texts, ignore the phone calls, i bet they love ringing my land line but i never use it so more wasted time and money for them, and ha ha. NEVER ever call them even on the free phone number, let them stew in their own juices until they shrivel up and die - parasitic chancers who one day will go the same way as cowboy clampers , down the loo. I love you motormile, you make me laugh and laugh and laugh .... do come round, i dare you, in fact I DOUBLE dare you !!! See what you get !!!

I've had a letter in this mornings post from Clowns-r-us aka Motormile a debts been brought by them but worded as transferred and I have a formal notice (shaking in my boots now!) of an impending doorstep visit, i've found a live email that doesn't bounce back, just make sure you do a read receipt on it. The email encourages contact to prevent a door step visit i.e. they assume you'll s&&t bricks and cough up .. . not me, i've sent a WOIRA by email today, so thats my first salvo off the bow onto the decks of the steam liner MMF, followed next week by same via Recorded Delivery, now lets see a doorstep visit ... parasitic vermin, i love the amount of money they must spend sending texts and trying to ring . . all to no avail, they're not getting so much as a used piece of chewing gum out of my pockets, curl up and die. The email address is: [email protected] , so one would assume that you can bang thru any comms to them just to fill their inbox up to overflowing, whether they 'read' any comms is incidental, just keep the send message or print it as evidence of due service to the crap bags.

They also try the trick of ringing from a landline number first (i had one today) followed by exactly the same mantra in a text message, i'll never ring the scumbags as i wont give them the time of day BUT they ARE getting a letter at the weekend informing them of WOIRA and a polite request for confirmation of a payscum debt being bought as a bad debt bundle. DCA's belong in the sewer with all the other filth.

i believe its Protection House, somewhere in Leeds area, googling it should find it, most DCA's hide behind a pseudo address so the windows can't be bricked and operations are normally out of some rat infested out of town offices as the rents are cheap and cheerful.

Quite out of the Blue Today, I have had a successful kill against Safeloans Ltd, these cockroaches started the heavy handed tack of court action for a long forgotten debt of 100 quid that quickly shot up to over 500 with their 'fees and charges' , once received from Northampton Bulk Court Centre, I asked for a transfer of undertaking, filed a defence, and waited, then a long faffing letter rattled thru the letterbox asking why i was disputing etc etc, evidently it got someone in Safeloans rather narked or should that be Sharkloans? They asked for court mediation, so i played along, dragging it out, went to mediation, pleaded poverty and offered a tenner a month (i'm going for a DRO soon anyway and mentioned this in the mediation telephone call with the court service) they said no, not good enough, offered 15.00 final offer ! Accepted then they went on some ramble about wanting proof I was going for a DRO, which I actually DO have, but i thought screw this, not having some low life loan sharks having access to my private info. Said they'd send something in the post, nothing came, last week got a text saying that I need to read an email sent to a now dead email address and that they were commencing enforcement action. This morning, much to my pleasant surprise from my local county court, a standard 'general form of judgment or order' and Ordered That 'The Claim and any counterclaim is struck out' - now laugh unsafe loans, enforcement action eh? Not without winning at court and you just lost, you played the high and mighty card and I held all the aces. So this proves that the courts are now VERY wise to payday loan lenders and PDLs that sell their debts on to DCA as part of bad debt bundles. Nice to see a result, took time to get there, so hopefully these numptys will now go away and just to pour salt on an open wound a letters on its way informing of WOIRA and that no further communication will be entered into. Rubbing my hands with glee and its put a smile on my face now.

I have had communications from these clowns for the past year and then it all stopped and now started up again, having done a LOT of research both on the legal ramifications of DCA's and also statutory consumer legislation, notwhithstanding the law on debt. I have concluded as follows. 1. Unless the creditor send YOU a letter confirming that the debt has been sold as part of or separate to 'a bad debt bundle', they're shafted. Creditors would rather get £20 for a £500 debt as something back rather than nothing, so DCA's like Motormouth buy large bundles of bad debts, if they manage to secure a repayment plan and collect thw whole debt, they're QuickQuids In (pun intended). 2. MMF appear to not like playing by the rule of law, they are notoriously not contactable by email, I have tried all sorts of tricks to get an email inbound and it fails every time, WHOIS searches also don't give any firm contact, they LIKE telephone contact, offering a freephone number as they have persuasive agents who are commission based, they'll be your buddy, your best friend so long as you cough up the sovereigns, 3. They, as all DCA's have NO power in law above you and I, they are a private limited company by share, owned by directors (ex illegal moneylenders probably who went to the wall when Payday loans kicked in). 4. The grounds rules are NEVER call them, EVER, if they send a text message ignore it, if they call ignore it, most DCA call centers have auto responders, which permanently dial the known numbers of debtors, should you answer there's a slight pause and it connects to an agent, they use pseudo mobile numbers to allude you to pick the call up, many people ignore landline numbers but will answer a strange mobile number (and we have YOUR number MMF!) 5. They don't like emails ( a valid and quick legal way of communicating). 6. So, contact by post only to their head office address or if you want to be smart and send legal notifications to them send them to the Registered address for service. 7. Always send by Recorded Delivery, NEVER give a legible signature on a letter, I have heard of DCAs copying and pasting sigs onto agreement forms, nasty way to do business. 8. If the debt is big enough or if you owe multiple creditors and they have a bundle which would earn a tidy sum then they will probably attempt a visit if you're local to one of their misbegotten offices, failing which its just letter after letter after threatening letter. So, how to deal with pond life like Motor Mouth Finance? One very easy and simple solution, street legal (they and TV Licensing know this!) and basically they're screwed. If they can PROVE they own the debt, and its not in dispute between you and the original creditor they 'may' try court action, but the courts are now very wise to these scumbags and rarely find in favour.' 'WOIRA' - remember the acronym, WITHDRAWAL OF IMPLIED RIGHT OF ACCESS A legally binding notice from a householder, doesn't have to be legal owner or landlord or property, as a tenant you have this absolute and irrevocable right in law. The only TWO organisations that can bypass this is a) The Fuzz and b) if they believe you're watching TV illegally, the Capita cowboys that run the TV licensing contract BUT they have to have a search warrant first AND have reasonable grounds to suspect ... mere possibility is out of the question. You need to send MMF a letter by recorded delivery (and keep a copy AND receipt) saying something alongside the text below, this is legal and prevents them by law from any agent, collector or person remotely associated with the business from attending your property or setting foot on it, to do so is the civil offence of trespass for which your remedy in law is to sue, if they repeat visits it becomes trespass with harassment a more serious offence at court. This kicks the cowboys into the long grass, DCA's would rather you didn't know this as it is such a strong weapon but not widely known (Bailiffs especially hate it as they LOVE home visits. TV licensing became so concerned about the threat of action from householders that they created a new policy document to cover it, it really is THAT powerful !!) The format of your letter only needs to look similar to that shown below to be off effect. " 14.07.2012 LEGAL NOTIFICATION ============== I reply to you by recorded mail in response to several text messages and attempted telephone contacts to the above alleged debt. i have not received to date by recorded delivery any deed of transfer nor deed of assignment of the debt from the purported and alleged creditor. I 'YOUR NAME', give formal notice of WOIRA, 'Withdrawal Of Implied Right Of Access' to the property known as 'YOUR ADDRESS'. This notice prohibits any visitation by any operative / agent / person / or body corporate from attending the above property without revocation of WOIRA or by prior written rescission of same. This WOIRA applies to Motormile Finance (UK) Ltd and its authorized agents or third parties connected with them. Take notice that should you attempt to enforce a 'doorstep collection' process, you will be committing the offence of trespass in law and legal action will be taken against Motormile Finance UK Limited, by service of a notice by recorded delivery at court to the following address ;- MOTORMILE FINANCE (UK) LTD - SANDERSON HOUSE STATION ROAD, HORSFORTH, LEEDS, LS18 5NT, and of which the company registration is 06637307 No further communication will be entered into on this matter, nor will any letters, telephone contact attempts or text messages be replied to or complied with. Further harassment for alleged debt will be met with the full force of the law as circumstances dictate. Yours, 'AN ALLEGED DEBTOR' " This ladies and gentlemen will p1$$ them off immensely. Have a good day!