Motormile Finance requesting ALL card details [inc C V V] on discounted 'debt'

[paulh1818]

Hi. Motormile have ignored all my emails to them so I took the details from their website and set up a standing order for £5 per month. I missed a payment last month so I emailed them to say I'd pay £10 next month to make up for the missed payment. I then received the following email -

 

'Thank you for your email on 19/11/2012.

Due to the fact that you missed your payment there is a broken arrangement now, hence, further collections activity will incur on the account. MMF have reviewed your account and here are a few options for you to avoid any further legal action:

 

Offer 1: we will accept 60% of the balance - £115.35

Offer 2: we will accept 70% over 2 equal instalments - £67.29 per month

Offer 3: we will accept 85% over 4 equal instalments - £40.85 per month

 

The above offers are available on the proviso:

· The payment is made via debit card

· The first payment is received in November

· The payment plan or settlement figure to close the account is set up for a date in this month by Friday 23rd November 2012.

 

Please fill out the below details in order to setup the arrangement, Please note that default interest may be added to the account which you will be liable for until a valid payment plan is put in place.

 

Card type:

Card number:

Valid from:

Expiry:

Last 3 security digits:

 

Date of payment: 28th November 2012

 

Amount: Whatever offer you accept

 

Failure to email me back in regards to which offer you accept then your account will be transferred to the litigation department for legal action and you will get an unexpected visit from one of our doorstep agents for which there is an additional charge. Also, by setting up a standing order without agreeing something with us is not a payment plan.'

 

So it appears that because I missed a payment, they now think they have the right to theaten me by phone, email and at my own front door. Any advice on how to respond to this email would be appreciated. Thanks.

Paul.

[PGH7447]

what was/is the debt in relation to? and if applicable did you ever cca them?

 

also - they cannot make an "unexpected" visit and they certainly cannot charge you for it

 

another thing if they are offering discounts then there is obviously something wrong here

[Norbert Broadsword]

Also do not, under any circumstances, give them your card details.

 

It is not unknown for companies like this to just charge whatever they like to your card.

 

Sending card details by email is as secure as sending them written on a postcard and not recommended at all.

 

They cannot make "unexpected" visits as PGH7447 stated and you have every right to tell them that they are not allowed onto your property

and that you will only correspond with them via email or post and not by telephone.

 

Indeed, them offering discounts does sound like there is something very, very fishy here.

[dx100uk]

security number WHAT!!

 

totally agree.

 

offering a discount = spoofing you

 

dx

[42man]

Paul please make sure you send that email to the OFT too...

[paulh1818]

I was stupid enough to take a payday loan with wageday advance. I have not cca'd them. They sent me a email a while back threatening a doorstep visit so I emailed them the template letter from cag. They ignored it and turned up anyway. Luckily I was out but they posted a letter through. Should I respond to them or send a cca request? I will definatley be in touch with the OFT about this.

[PGH7447]

ignore motormouth finance and deal with the payday loan shark, inform them that you will not del with anybody else and that you wish to come to some arrnagement with them, but will not be paying any of their fines etc.

[paulh1818]

ok thank you.

[paulh1818]

Just had another email from motormile saying unless the arrears are paid my instalment plan will lapse. seems as if they don't know what they are doing now. I am just waiting for a response from Wageday now...

[PGH7447]

they dont, they think that by bullying and putting obstcles in the way people will just cave in, stick with the plan and see what wageday say

[paulh1818]

My standing order with motormile is still in place. The next payment is due next week. Would I be better letting the payment go to motormouth or should I now insist that I pay wageday directly?

[PGH7447]

up to you, but it wont hurt any to let it go just in case wageday dont want to play ball, then that way you can tell motormouth that as far as you are concerned by accepting the payment they have accepted the agreement that was/is in place

[paulh1818]

Ok thank you for your advice.

[paulh1818]

I have a response fron wageday. Motormile are the legal owners of my account and I must resolve the matter with them.

[PGH7447]

so did you get a Notice of assignment from either motormouth or wageday? if not then wageday are telling porkies

[dx100uk]

might be an idea to look at your CRA file

 

see below

 

dx

[paulh1818]

All I have is an email from wageday...

''Dear xxxx

Account Transferred to Debt Recovery Agency

Your account is now being handled by Motor Mile Finance UK Ltd who are acting on our behalf.

I would ask that all further correspondence regarding your account is addressed to:

 

Motor Mile Finance UK Ltd,

83 Bradford Road,

Protection house,

Pudsey,

Leeds,

LS28 6AT

All future communication should be made with Motor Mile Finance UK Ltd and any queries

sent to Wage Day Advance will be passed onto them to deal with.''

 

Then an email from Motormile...

''Dear xxxx,

 

NOTICE OF LEGAL ASSIGNMENT OF DEBT

 

Re: WageDayAdvance - Debt Assigned to Motormile Finance UK Ltd

 

We hereby give you formal notice of legal assignment of the above debt. Your debt has been assigned to Motormile Finance UK Limited ("MMF") from WageDayAdvance.

All default interest and collection charges have been frozen from your account for 7 days. If the account remains unpaid after this time, we will add default interest to the balance which will significantly increase the debt.

Call NOW to benefit from this offer.

Please contact us as a matter of urgency to resolve this matter, where one of our operatives will be happy to assist in finding a solution''

 

I took this as meaning that wageday own the debt while motormile are acting aon their behalf. Maybe I'm wrong? Either way, they'll get their payment next week. should I make a formal complaint to Motormile before contacting the oft and ts?

Edited November 22, 2012 by paulh1818
removed personal info

[DCA Hater]

I've had 2 calls today from these lowlifes.

 

Not been very active of late,

might possibly be the fact that i enjoyed calling them late night,

[EDIT] leaving messages via their main number or the pseudo number they called me on

(they have masses of numbers they use, so google the numbers that call you and 9/10 times they'll be listed somewhere on the net).

 

Ist number was 07702 873670 and when no response from me (initially)

called me again from 07010 068932 which is a personal number i.e. redirected to a number of their choice, home, office, secondary mobile.

 

"There are different sorts of personal numbers. Ones with:

07020 dialling codes can only be diverted to fixed lines, but are cheapest to call -- 16.71p/min peak and 9.85p/min off-peak from BT lines

07050 dialling codes can be diverted to any fixed or mobile number, but currently cost 37.5p/min peak 25p/min evenings and 12.5p/min weekends

-- slightly more than calling a Vodafone or Cellnet mobile, although that cost will fall to the mobile rate soon.

07010 dialling codes can be diverted to fixed phones mobiles, and cost about the same as calling mobiles direct

-- 32p/min peak, 22p/min evenings and 10p/min weekends.

For a per-minute incoming fee these numbers can be diverted overseas, but I have no details about this."

 

i would agree that giving these [EDIT] the CVV number is lunacy, many as well empty your bank account yourself and send it in the post to them, NOT.

 

As ever MMF are a constant source of chuckle and mirth to me,

from the tape played message from Mike,

who says i'd be embarrassed by a home visit agent and that i should call quoting ref. number XXXXXX.

 

Not half as embarrassed as MMF will be when their home 'door step' recovery agent [EDIT] after a home visit to me,

especially as they have a recorded delivery WOIRA from me !!!

 

they're pure chancers, going beyond the line of legality, threats, letters, counter threats, and more letters, the DCA business in the UK is so unregulated (OFT? Don't make me laugh i'll need stitches) and forget trading standards = a total waste of space, time and effort.

 

Just IGNORE the letters, emails and telephone threats, a cowboy company heavily in debt (just get a copy of their latest accounts from Companies House webcheck service to see how bouyant the company finances are, they're hocked up to the eyeballs in debt!)

 

I've gone for a DRO which gets ratified in the next few weeks, once that's done i'll sit back, relax, and laugh in their stupid faces. The fact that you're paying them means they have YOU in their sights, so they scare you to pay more and more and more, then more threats if you don't cough up, screw em I say !!!

 

Edited November 23, 2012 by dx100uk
please refrain from vailed swearing and threats and name calling - dx

[paulh1818]

I wont be paying more than I already am

and I never had any intention of giving them any of my details.

 

The standing order will remain unchanged.

 

And I have just this second had the automated call from 'Mike'. lol! I just couldn't believe the cheek even asking for my card details.

[DCA Hater]

Parasitic chancers who rely on intimidation to get you to cough up.

 

They have two chances with me, slim chance, and no chance.

 

I love their dirty tactics, worst of the lot is lowell portfolio,

 

these slimy scumbags have visited my credit file THREE times to check to see whether any of my debts have been going down to see whether

they're in with a chance to pressure me to cough up the readies.

 

Sit back and weep the lot of them because soon i will be 'debt free' and i won't care a hoot!!!!!

[paulh1818]

Hi.

I was silly enough to take a loan with lending stream a while back and now it has been passed to Motor Mile Finance.

 

They wrote to tell me I should call them to make an appointment for one of their agents.

 

I wrote back with the 'doorstep collection' letter.

 

Now, they have written back with this..

 

''NOTICE OF VISIT WITHOUT APPOINTMENT

 

Despite our request you have failed to provide an agreed appointment date and time for one of our agents to make a home visit.

 

As such your account has been placed on our HOME VISIT SCHEDULE

and an agent will be visiting your address in the next 7 days.

 

They will also make a report on your LIVING STANDARDS and any assets

THAT MAY BE AVAILABLE FOR SEIZURE should this matter be passed to our solicitor for legal review.''

 

Just for the record,

I am not in the least bit worried about this because I know it's a load of hog wash

but this would scare the living daylights out of anyone who wasn't aware of how these companies operate.

 

Still, I don't know who the heck MMF think they are! How should I respond to this?

 

Should I even bother responding to this?

 

Thanks

Paul

[fletch70]

MMF are full of bull about doorstep visits, I am having a little fun with them myself at the moment

 

So you have sent the no doorstep letter , they will of course come out with some bowlarks that they are not covered by the law you state , actually the wording is "In law a creditor is in a different position to ..."

 

I would now be writing a letter with big bold FORMAL COMPLAINT across the top. If you put it in the second sentence or in small letters the idiots will not be able to read it

After that tell them that 1) you will not discuss this with a doorstep agent, 2) If one does turn up they will be asked to leave 3) If they refuse to leave you will use reasonable force as defined in law to remove them

 

They have, very recently updated their website to include their complaints procedures. My on going complaint with them started prior to the update and will be going to the Fos in time

Good luck

[ashmk]

The letter is designed to get a response. Some people here would suggest you send some template letter the company will just ignore, I would just ignore it and do nothing. If they do turn up tell them to do one. It's as simple as that.

[fletch70]

Ash

While I appreciate your point of view these people are ignorant liars who twist the truth to suit their own purpose . I can demonstrate that they tell lies

If anyone has the time and the determination in my opinion they have a duty to set a formal complaint in motion and if needed escalate it to the FOS . Only by applying pressure to the regulators and the firm can we hope they start acting in a professional manner.

Isn't it odd that it is only since the departure of good old Rob Sands they have actually got their website in order , he was a very non compliant director of compliance

[BRIGADIER2JCS]

Ash

While I appreciate your point of view these people are ignorant liars who twist the truth to suit their own purpose . I can demonstrate that they tell lies

If anyone has the time and the determination in my opinion they have a duty to set a formal complaint in motion and if needed escalate it to the FOS . Only by applying pressure to the regulators and the firm can we hope they start acting in a professional manner.

Isn't it odd that it is only since the departure of good old Rob Sands they have actually got their website in order , he was a very non compliant director of compliance

Reading elsewhere it seems that Rob Sands may have disagreed with the ethos of the founding directors, there is "new blood" in the company K. Barton " Field Ops Manager" "Dave G Litigation exec ( ex Drydens).