Hi, I am new here and would like to apologise in advance if this is in the wrong place and also for the length of my post,
I wanted to make sure I included everything.
Any advice would be greatly appreciated...
2 years ago my daughter passed away and I completely lost my way.
I became homeless and lost my job within a very short time frame.
I put myself into a lot of financial difficulty during this time and messed up a lot of my life.
I am in no way trying to make excuses for my behaviour and I take full responsiblity for what I have gotten myself into.
People go through a lot worse than I have and still manage not to get themselves into the bother I have.
After sofa surfing and spending days on the streets I finally deicded to try and turn my life around and sought help.
I was found a place in a hostel back in the city where I come from.
I was supported in getting my finances together and prioritising everything.
I contacted the bank to make payment arrangements for my unplanned overdraft.
They informed me it had been passed on to a debt collection agency and took my new address and had the agency contact me there.
I made payment arrangement plans and have stuck to them since.
My next steps were to contact the payday loan companies, who informed me they had also passed my details onto debt collection agencies.
I only heard from one of the agencies, which was MotorMile Finance, who contacted me and we made payment arrangements at £10.00 per week.
I gave them my email address but not my new phone number.
The person I dealt with seemed really helpful right up until they wanted bank details.
I emailed them back right away and informed them that I no longer had a bank account
and that I am in the process of paying off what I owe the bank but let her know that I was more than happy to pay by postal order.
I then received an email back informing me they could only do this by bank.
I emailed again what I had just told them and received a reply (from the same person) informing me that they do have bar codes
they can send out so that I can make a payment via a pay point.
This is ideal for me and a lot easier.
I received the bar code in a letter, emailed to activate it as intructed and made my first weekly payment.
I did this for another 6 weeks, until I received an email at around 3:30am informing me that they had not heard back
from me regarding my defaulted account.
This was a surprise to me as this was the first I had heard of it and I had been paying weekly.
I emailed to ask what was happening and heard nothing back.
I also went onto their website and emailed from there.
I heard nothing back from them except the automated emails in the early hours of the morning
instructing me to call to arrange a repayment plan or be referred for a home visit.
Over 8 days I emailed the two people I had previously dealt with,
sent emails to the email addresses I had managed to find and sent emails via their website and I heard nothing back.
Again I contacted them and explained that I felt that I was being purposely ignored
and explained my reasons for not wanting to talk over the phone as I wished for everything to be by post or email.
I felt and still feel that I was being ignored in order to phone them
- but then they can say whatever they like over the phone and I have no documents of it.
After 8 days of not hearing back I got an email from one of the women who had previously dealt with me.
I was told that I had defaulted my account as there had been more than 7 days between payments.
This was a complete misunderstanding on my part
- I thought that I was okay to pay weekly on whichever day as long as I paid it weekly.
I didn't realise that it had been be on the same day every week.
This may sound obvious to a lot of people but I honestly didn't know this.
because I had first paid on a Tuesday and paid on a different day the next week this defaulted me.
I explained that this was a misunderstanding on my part and we set a date for the payment to begin again.
I was also told I would be sent a plastic card that I could use to make the payments on.
No card turned up and I used my old bar code from a letter.
During this time I received another email informing me that I need to arrange a payment plan for my balance
within 5 days or they will send somebody out to visit me.
I contacted MotorMile and was ignored again.
After 3 days of emails I got an email to tell me that my payment plan was still in place
but the email was in regards to a second account they had just bought (it was the one I was waiting it hear from, from the other pay day loan)
We set up a payment arrangement plan at £5 per week per account.
I was told that the card would be sent out that day for my previous account
and that she had set up a standing order for the account we had just sorted out an arrangement plan on.
I let her know right away that I do not have a bank account and that any details of an account they have will be of no use.
She said she would send out two plastic cards.
I received the cards, activated them and made my first payment on the Wednesday as agreed.
The following Wednesday I made the payments again and again last Wednesday.
Before I left to make payments this morning I received a letter from MM informing me I had defaulted.
Knowing that I absolutely have not defaulted and feeling very frustrated I emailed the person who had been dealing with me
and asked why I had received this letter and how it was possible I had defaulted.
I also sent a photo of my payment receipts that show the amount and the dates.
I was emailed back almost immediately and told that after checking my account
she could see I have defaulted and that is why it had been passed to the collections team
and a home visit being arranged.
She said she would be happy to reset my account for a date.
I just want to get my payments sent and get all of this paid off, so I agreed about setting another date
but I stood my ground and politely asked how I had defaulted when I had the receipts to show I have paid on the right days,
the right amounts and haven't missed any payments.
I expressed how concerned I am that this is going to keep happening as it is really beginning to stress me out.
I am very ill at the moment and I really do want to get everything into order.
It just seems like I have had nothing but issues since trying to arrange repayments with this company.
I agreed to set the date for next Wednesday and for them to be as usual, each Wednesday and £5 for each card.
Within an hour I received a reply telling me that my account had been set for one payment PER MONTH on the 21st, £5 on each card..
. Now as great as that is for me as I am struggling to live just now.
I am very concerned at the offer.
When I very first tried to make payment arrangements on my first account with them I offered £20 a month but was refused.
Now with two accounts they are happy to accept £5 per month on each account?
I feel like perhaps this was a mistake, so I emailed back confirming one payment per month at £5 on each account.
I said this would be perfect for me and as usual once I start to earn more I will pay a higher amount on the accounts
as I genuinely want to get all of this paid off.
I have heard nothing back since but have a feeling that this time next week I am going to be bombarded with emails regarding
a defaulted account and/or needing to make a payment agreement on both accounts.
The person I have spoken to has been quite, but also very evasive at times.
I have been very polite throughout these emails but have expressed how fed up I am getting
and I have also expressed my concerns of paying these accounts when my payments seem to suddenly default
and details aren't updated on their system, as well as their communication not happening within the company.
I understand mistakes happen and people sometimes forget to do things but the amount of miscommunication does concern me.
Also, as petty as it sounds, they keep getting my name wrong.
It has repeatedly been spelt wrong which I can understand as people do often but I've been called two other names
that only begin with the first two letters of my name.
This makes me concerned as my details are right there in front of them.
Again that probably sounds petty but added up with everything else and how evasive they are being
and dodging answering my questions I can't help but wonder would this be better off going to court?
I am really unwell and could do without having to go to court but the stress of this is really getting to me.
I feel I shouldn't complain as I have brought all of this upon myself but I do genuinely want to get this paid
and I am trying to turn my life around and settle down.
Once again, apologies for the lengthly post.
I wanted to give as much detail as I could as nothing has been at all straightforward with this company
and I am very concerned that my payment plans are going to permanently be failing one way or another.
Has anybody else had this problem with MMF before?
And would I be better off letting this go to court?
Thank you for reading. Any input would be appreciated.