Mercantile Recovery Solutions

[steelcity]

Hi, I'm new to the forum so please forgive the naive question.

 

I've had a letter out of the blue from MRS, called Final Notice Prior to Action (in red ink)

citing a debt to Motormile Finance (just seen the many threads on this one), with HFC as the original creditor.

 

They claim the debt dates back to 2000.

 

The only thing I can think of is that it could have been an interest payment after I forgot the settlement date for an BNPL interest free deal,

I thought I'd paid it after an argument back then, but have no records.

 

I've hear nothing about it for years.

 

Should I respond?

 

I found one of the templates on here - the "general debt letter if you know nothing of the debt",

sorry can't post URLs yet,

which I considered using.

 

Should I respond, or ignore?

 

Grateful for your advice and experience

[BRIGADIER2JCS]

When was the last payment made, have you checked your credit files yet? If no do so to check if the account is on file.

[ims21]

Posts from another thread merged here and thread tidied

[steelcity]

I've checked my credit file on CreditExpert, there's no record of this account on file

[sillygirl1]

Ignore it, Motormile are desparate to get funds and are scraping the bottom of the barrel. They do dirty work for Lloyds bank too as I have had one for a well statute barred debt. I completely ignored their '7 day notice' as I was going away for a short break - 3 months later nothing has happened.

 

Remember, there is now a documented case (one of the HFO ones on this site) where a judge clearly states that the company should have the paperwork BEFORE they go to court, and I bet you that Motormile will NOT have the paperwork.

[steelcity]

Thanks for the advice! I thought it would be statute barred in any case (dating back around 10 years) but wasn't sure.

[postggj]

Remember, there is now a documented case (one of the HFO ones on this site) where a judge clearly states that the company should have the paperwork BEFORE they go to court

 

any chance of a link if you can find it

[42man]

This new DCA has been set up by 2 of McKenzie Hall's ex employees....it seems they have picked up on a load of duff HFC statute barred debts which potentially have missold PPI on them - http://www.fsa.gov.uk/library/communication/pr/2008/004.shtml

[42man]

Rehash this if you like and send it recorded delivery

 

LETTER BEFORE ACTION

 

Dear Sir

 

I write to your company with great concern.

 

(relate the events here)

 

It is clear that your company are in multiple breach of not only the Office Of Fair Trading's guidelines on debt collection but also in breach of harrassment laws ( I am sure I have no need to remind you of the recent high court case of Ferguson vs British Gas) and CPUTR2008. In order for you to gain I credit licence I understand that you have to have an official complaints procedure.

 

What I require:

 

A copy of your official complaints procedure

 

An apology from your Managing Director

 

Assurance in writing that it will not happen again.

 

If it does happen again then I will NOT issue any more warnings before taking legal action.

 

I trust this makes my position completely clear.

 

Yours faithfully

 

(type your name here)

[sillygirl1]

I would contact Trading Standards and the OFT and explain that you have been trying to get them to STOP calling but they claim they have not got your number, clearly they are at fault and are not helping.