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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mitigate Trace and Collect ?


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Hi, has anyone had any dealing's with Migate Trace and collect?

 

 

We took out a small loan with Capital Finance One and problems paying it back as i came out of work and ended up on income support.

 

We have been receiving phonecalls from Mitigate Trace and Collect demanding payment,

they are extremley rude and said if payment is not received they will be coming to our house to collect goods.

 

When i said 'you can come round but wont be getting in' the reply was ' we can use whatever means are necessary to gain entry and take whatever we want'.

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Yes, thats the name we have on a letter from them. They rang this morning and told us they're coming out later today, . They told me they can enter my own weather i like or notand take whatever they want so im now terrifried as i have 4 children

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Do not let them in. Try and record everything they say. They may say they will get locksmiths.they cant without a court order. You are under no obligation to speak them.

If it has'nt gone to court you could try phone the original lender and sort out a payment plan that you can afford. More experienced Caggers will be along shortly to offer more advice. Take care.

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They could be a rogue DCA taking liberties. if the turn up dail 999 and film them even on a mobile. Complain to trading Standards also.

 

Just a thought have Cap 1 sold the debt on and Mitigate Trace are bottom feeders and door knockers of the Snotcall, or Moorcrock ilk?

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I think that you will find that this is NOT a bailiff company. I am quite sure that this is a DCA, however I am going to flag this up with the site team to see if anyone does recognise the name.

 

If, and this is a big if, they do come to your door, DO NOT let them in.

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Yes, thats the name we have on a letter from them. They rang this morning and told us they're coming out later today, . They told me they can enter my own weather i like or notand take whatever they want so im now terrifried as i have 4 children

 

Hi

Can you look at the bottom of the letter to see if they give any other details about them. I can't find anything about them

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Well these people are not bailiffs, so have no right what so ever in threatening you... I am going to move this thread over to DCA section where you will receive more info.

 

In the meantime have a read here.

http://www.consumeractiongroup.co.uk/forum/showthread.php?329315-McCallRepo

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Thanks so much, they havent turned up....yet. Still abit worried in case they do but as you have said im not opening the door to them. It was the way he said that they could force their way in and take whatever they liked including my childrens things.

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The loan was due to be paid on the 1/11/11 so not that long if you think about it, we did email Capital Finance one and received one back saying it was now in the hands of MT Collect and to contact them.

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MtCollect is Capital Finance One. It's just one of their trading names

 

these are their trading names as well as CF1

 

Money Resolve Mtcollect Paycfo Payday Advanced Payday Credit Payday First

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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If they ring again,try to record them. At the end of the phone call, tell them what you have done. Their final words will be choice :razz:

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Capital Finance One is a payday loan company, not connected to Capital One.

 

What's the betting the threatening DCA is in-house?

 

I'm using my iPad at the moment, so can't check the OFT database, but I'll do it later and see what comes up. What I do know is that this Mitigate lot don't appear to be registered with ICO, or Companies House.

 

what's on the letter they sent?

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A check of the OFT database reveals that Capital Finance One has a current licence, and - quelle surprise - one of their 'trading styles is none other than 'MT Collect'. So, it's the loan company, which appears not to be a giant of the financial world, operating as it does from an office above a rather tatty shop in Essex.

 

Now, the reason why what they put on their letterhead would be useful is that their licence, their ICO registration, and company law, requires them to do certain things. I can see that they have failed to notify the MT Collect/Mitigate name on their ICO registration. They haven't got the mitigate name on their consumer credit licence, so if it's on their letterhead it could be an offence (and possibly a 'technical offence' under company law). So, Karen, can you please tell us what's on the letter they sent you?

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