DCA Motormile Finance bypassing 141 withold number. **

[hillards]

... it will be very very illegal as it is an invasion of privacy.

As I said, only certain types of business line and even then the customer must make a declaration relating to why they want that info and be registered with the ICO. I was just making the comment that it can be done in certain circumstances.

[Bazooka Boo]

Yes it reads much clearer now the beer goggles are off!

[losingmymind]

Hi all, I sent the CCA request, but just need to clarify, does the 12+2 working days start from the date of the letter sent, or from the day they signed for it? Thanks.

[The GodMother]

the 2 days is delivery time which starts 2 days after delivery or the next WORKING day after u can prove they recieved the letter, eg a signature on the Rm website or a letter from them acknowledgin the request. The 12 days are working days so it would be mondays to fridays not including any official bank holiday or public holiday and weekends.

Eg

Monday 4th April sent

Tuesday 5th Signed for.

Wednesday 6th day one

thursday 7th day 2

friday 8th day 3

sat not count

sunday not count

Monday 11th day 4

Tuesday 12th day 5

13th day 6

14th day7

15th day 8

18th day 9

19th day 10

20th day 11

21 day 12.

 

Hope this helps

[losingmymind]

Helps greatly, thank you. You must be a mind reader - although I sent it the week before your example, it was in fact signed for on the 5th! 2 days to go. I do hope I don't receive a reply...lol

[The GodMother]

Thats how the system was explained to me so as it is the easiest way to explain things then l thought it would be best to do that with others, not saying people are stupid but it can become very confusing whenstress and just feeling snowed under with everything.

 

So it was sent out and they did not sign for it till the 5th, blimey that just proves the postal system is rather slow these days. Good luck with your wait and if you do, or do not, get anything come back to us as u now cant really do anything until saturday anyway due to friday being a bank holiday and u having to wait till the end of the day on thursday as they MAY hand delivery the documents to you via one of there doorstop people or a agent thats in the area etc.

[losingmymind]

Well it's now Saturday and nothing has arrived from them, either through the post (today's has arrived without a late reply) or hand delivered. Where do I go from here? I found a 'failure' letter in the library, is this the way to go? Thanks in advance for advice.

[hillards]

Where do I go from here? I found a 'failure' letter in the library...

In the Library go to the Debt Collection section in the menu to the right, scroll down to the bottom of the first page and you want the one called "Failure to provide a copy of the agreement within the prescribed timescale."

 

You will need to amend it a little for the dates that apply in your own case, but it's pretty straightforward. Make sure you get proof of posting and in the meantime consider them as failures who have been unable to provide the paperwork they need to be able to collect on the alleged debt.

 

If they do come up with the paperwork later then you need to look at the matter again. It is not a case of forgetting all about it because they're so slow at dealing with your request at the moment. Some companies will never provide the document(s), some will, and it could be many months later when it will pop up again.

[losingmymind]

Hi all,

 

'Failure' letter was sent 2 weeks ago and only signed for this week! Do I just sit tight and await a correspondence /acknowledgement from MMF, or just hope they've gone away? What usually, if anything, happens next?

 

Thanks.

[Bazooka Boo]

Just wait for their next hilarious letter, if at all!

[losingmymind]

Hi all,

 

I have an update, and not sure what to do next. The clowns at MMF did not respond to either letter I have sent over the past couple of months - and I know they've received them because they were signed for. This morning I have received a text from them asking me to contact them today to discuss a repayment plan and that failure to respond will result in them passing this over to their home visit dept. So, no reference made to the fact that they didn't supply the CCA as requested, my £1 postal order has not been returned, I included the paragraph about home visits not welcome, and the account is now in dispute as the 'failure' letter was sent and received. Please help - I need to know my next move.

 

Many thanks.

[DonkeyB]

Send again, recorded, and copy to the OFT with a complaint.

[losingmymind]

Thanks, but which letter do I send again? Am I starting the whole process again, or just the failure letter? Also, what do I do about the fact they said they'll pass to their home visit dept? Last time they sent the text about 2 days before the w/e and turned up on the Sunday evening - nothing in writing arrived contravening OFT guidelines until after the fact - and even then it was the letter from Mack Hall and MMF in the same envelope telling me MH had passed the debt onto MMF, and MMF telling me they'd taken the debt from MH. I suspect if they don't hear from me today their field agent will roll up over the w/e. They don't play by the rules at all.

[DonkeyB]

Send copies of all the letters you have already sent, together with a covering letter stating that they have continually failed to respond to your correspondence and that they remain in default of your legitimate CCA request. State that any further collection activity or contact while the account remains in dispute will be considered harassment, and that they should also consider the letter as a letter before action concerning any claim that may be made as a result of such harassment.

 

State that you are sending a copy of the letter and bundle by way of complaint to the OFT – and do it!

[losingmymind]

Thanks, I shall do this today. In the meantime, any suggestions for how to stop them in their tracks before the w/e?

[DonkeyB]

In all likelihood it’s bluster and idle threats – bullying, if you will – but if they do dare to show up, have a video camera handy and tell them in no uncertain terms to leave.

 

Please do not ever be frightened of these idiots.

[losingmymind]

I'm not frightened of these idiots - it's the person I share the house with! I get it in the neck when idiots like this turn up, so it makes life a whole lot easier if I can stop it in the first place!

[Bazooka Boo]

You can always go to the local Police station and file a complaint of harassment or simply inform them that you are being threatened by these clowns and have repeatedly told them you will not speak to them on your doorstep, yet they are still threatening you with just that.

 

You really cannot complain enough about these clowns so inform EVERYONE your MP & the Media included.

[cerberusalert]

Complain to your local Trading standards, if you are being harassed by DCAs they have a duty to act.

[batman1956]

Amend this to suit and if they turn up give them a copy and close the door. Dont be afraid to call the police if they do not leave.

 

Dear Sirs,

 

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks and these have been duly logged by time and date.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384

. per Lord Evershed M.R.).

Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Yours faithfully,

[losingmymind]

Now I'm really confused! Re-sent the letters on Friday, recorded delivery etc. and sent the whole lot on email too - referenced with the numbers they originally used a few weeks ago. This morning I receive another text "This is an urgent message for losingmymind, please contact Motormile Finance regarding your account on 0844 etc. quoting reference blahblah", (no reference was quoted in Friday's text) only this time the reference is completely different. Now it is possible that this could be another debt coming back to haunt me, however, going on the basis that last time MMF caught up with me it was off the back of Mack Hall chasing, this time there hasn't been any other DCA sending me letters. So I don't know what to think. I now don't know if I'm being harassed over the original debt I posted about, or if MMF have now purchased another (?) and are doing what they did last time - sent a couple of texts asking me to contact, then turning up at the door, then I received the letter, in that order. The fact that there was no reference on Friday's text would lead me to believe that it was connected to the original debt, but now I don't know. Not really sure how to proceed. I want to find out, but obviously I don't want to phone, and I don't want to chance it and wait for their doorstep visit. Any suggestions welcome

 

Many thanks

[Bazooka Boo]

Ignore it file a complaint about their telephone harassment to the OFT/TS/ and Ofcom.

 

Your on the merry go round of alleged debts, keep a close eye on your credit file (CRF) see who is nosing around on it, NO DOORSTEP COLLECTORS will ever turn up, they hot only don't have the minerals to do it, they also don't have any legal power or knowledge to do so, treat them exactly the same as you would if someone claimed to be from the water board and needed to check your bath water......!

 

Keep OFF the phone to any of these clowns, it is pointless talking to toddlers, it just all goo goo goo and gaa gaa gaa, do something interesting like watching paint dry.

 

File your complaints, and ignore them, until they can produce something that has any notion of common sense and makes logical English, then get on with your life, just chase up your complaints.

[losingmymind]

They (Motormile) just don't get it do they? They've signed for the letters that were re-sent, and then last night I received another text:

 

Dear losingmymind. Visit https://paymmile.co.uk for exclusive online discounts Your unique access no. is Mxxxxx Motormile Finance (Quick Quid Debt)

 

Getting very annoyed with them now...

[BRIGADIER2JCS]

Time to report this to the OFT!! With out delay.

And inform them you have done so.

[losingmymind]

Now they're resorting to leaving messages on my voicemail.

 

Reported the whole sorry tale to Consumer Direct today. They said they would let Trading Standards know.

 

I was told that it would be possible for this to go through the small claims court, but that they would have to prove the debt to be mine, and as I had requested the CCA which they've ignored, MMF aren't doing too well at proving anything other being an irritation right now.