Thanks, I've sent both letters recorded delivery. As it stands I have no intention to pay whats owed if they continue to use their "bullying, harrasment" kind of communication towards myself and others and until I actualy know they own the debt. I don't appreciate emails past 10pm and especially turned midnight. I don't appreciate a phone call followed by a text message. All of which have been logged. If MMF feel the need to bully people into payment then it only shows what a shabby organisation it really is. Threats of a home visit, fine. I don't make threats only promises and if one of their home visits appears at my door they will be removed by force if needed. When I took out the loan with Mr Lender I was in a totally different place mentally, I was at my weakest and juggling various payday loans. I defaulted on all loans but MMF have been the most aggresive in their tactics. Makes me wonder what effects these tactics take on those who for one reason are not strong enough to bounce back and make a stand to bullies like MMF.

Thanks I'll get onto sending the letters. I think the debt is around £250 owed to Mr Lender and its around 12 months old. I've started keeping a record of calls as today I've had around 4 calls and 3 text messages.

I'm new on here and just been reading about MMF as they are very persistant in their calls and emails to myself of which I ignore all calls and emails. I may have recieved post from them which I've shreaded and blocked the calls and texts I get off them and also blocked there emails but earlier this evening I think they may have ramped it up a little and someone called at the house. Would it be best if I log all phone calls, texts and emails especially those they send after 10pm?