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    • Hi   I recieved the following email a few days back I sent a complaint but had no response or acknowledgement        Dear Me Unfortunately, I am writing to you to let you know that earlier this week we discovered that DivideBuy and its customers (including you) have been the victims of a cyber incident, which involved some of your personal data being accessed. I wanted to write to you as soon as I could, to let you know what we have discovered so far, and how we are going to protect you against any consequences of this attack. Details of the Data Breach In the last few days, since becoming aware of the incident, we have been working hard, together with external specialists, to make sure that all data is secure and that an attack of this kind cannot happen again. We have also established that within the information that was accessed it may be possible to identify: Name Date of Birth Address Telephone Number Email address Associated Alias Although some credit report information was also contained within the material that was accessed, this was not stored in a readable format and so is not likely to be able to be used by the person or persons who accessed it. Please be advised that the data compromised in the incident did not contain any bank account or credit card information.   Further Steps My primary concern, and the concern of everyone at DivideBuy, is to make sure that as far as possible you are protected from any worry or other adverse consequences as a result of this incident. In conjunction with TransUnion International UK Limited (“TransUnion”), one of the UK’s leading consumer credit reference agencies, we have therefore arranged a 12 Month subscription to TrueIdentity, an online monitoring service, at no cost to you. This credit monitoring service will notify you by email of critical changes to your TransUnion Credit Report.  Should you receive an email alert, you can review and validate the reported change by logging into the TrueIdentity portal. This allows you to identify any potentially fraudulent activity on your TransUnion Credit Report.   How to access TrueIdentity To take advantage of this service and help protect your identity, please visit:  https://trueidentityassist.creditview.co.uk And enter the following Secure Access code below before 30th March 2021: DVB1346 Upon successful completion of the registration process, you will have access to the following features: Unlimited online access to the TransUnion Credit report. Unlimited online access to the TransUnion Credit Score, with score factors analysis. TransUnion credit monitoring alerts with email notifications to key changes on a consumer’s credit file. Unlimited access to online educational resources concerning credit management, fraud victim assistance and identity theft prevention.   What should I do if I believe I am a Victim of Fraud? If you believe you are a victim of fraud, check your credit report and dispute activity via your TransUnion Credit Report that you do not recognise. TransUnion will then contact the Lender who has provided the data to make them aware that the data is possibly fraudulent. The Lender will then perform a fraud investigation and remove any data if they find evidence that fraud has occurred. You may wish to add password to your credit file as an extra level of security, so any lenders performing a credit search will need to request the password from you so they can proceed with the application. You can do this by adding a Notice of Correction (NOC), for free, to your credit file. You can do that by emailing [email protected] with the wording you would like to apply and include your full name, address, and date of birth.  Please bear in mind that Notice of Correction data is not shared across the credit reference agencies. You can also request a Notice of Correction to be raised with the other credit agencies too, please see their contact information below:    Experian Ltd: https://www.experian.co.uk/consumer/guides/notice-of-correction.html Equifax: https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/What-is-a-Notice-of-Correction1   You may also wish to contact Cifas, the UK’s fraud prevention service. They will be able to apply a Protective Registration warning on your credit file, for an administration fee.  To inform Lenders that you think your data could be at further risk of fraudulent access, so they can make additional checks to protect you moving forward.   The Protective Registration flag can be applied to your file with immediate effect by telephoning 0330 100 0180 (and must then be confirmed in writing).  You can also apply online at www.cifas.org.uk/pr_for_individuals. I, together with all of my colleagues at DivideBuy, truly regret any inconvenience this may have caused you, but we are working hard to put this right and to make sure that it cannot happen again.     Rob Flowers Chief Executive Officer   You are receiving this important information email because some of your data was on our database at the time of the data breach. You have NOT been added to our marketing lists or any other email list. We are sending this email to a list of people to provide important and urgent information updates about the data breach ONLY. You will not receive any marketing emails from DivideBuy unless you have signed up to receive marketing emails from us. If you wish to contact us regarding the matter you can contact us by post or email [email protected] www.dividebuy.co.uk Copyright © 2021 DivideBuy, All rights reserved. DivideBuy, Brunswick Court, Brunswick Road, Newcastle-under-Lyme, ST5 1HH, UK     I went on the dividebuy live chat and was told that dividebuy are not giving compensation for this breech, what can I do as this is causing me all sorts if worry now that my identity is going to be used in fraud, they have offered the 12 month transunion thing but I can't help but think this won't pick everything up on the dark web. I suffer from bipolar and I am really struggling to deal with it.   Is it worth me starting a County Court claim for damages or would I be wasting my time. Or would it be too early to start that and need to go through a certain route?   Tia
    • It was £229 DIGIHOME 32INCH HD READY SMART TV   Dx100 so ill have to wait for them to get back to me and then take it to a repair shop to diagnose the fault? Do you think there's any chance they might just replace it? It was only £229 which is not a lot to them but not an amount i can afford to just replace unfortunately.  
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Motormile contacting works phone number with pre-recorded message


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Hi guys, MMF just called my work phone number (Security Department in an MOD building) with a pre-recorded message saying "We are looking to speak to a Mr. Yukiko regarding an outstanding account; please contact us back to prevent a home or workplace visit".

 

Is this legal? My manager has just rang them and given it to them hammer and tongs, and he's backing me all the way. There's no way they should have this number as when it's called from, it is witheld.

 

Cheeky much!?

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Interesting. Keep us updated as to what Fos said etc. Nice to have an understanding boss for sure

 

FOS are raising complaint to them by letter and e-mail and have asked me to keep an eye on my e-mail inbox for further communication.

 

Am I right in thinking I've just cost MMF £500.00?

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[email protected]

 

please send a complaint to the email above

 

address it to credit fitness

 

it is important you do this, the FOS is fine but it is the OFT who can take away their credit licence

 

Done. Just now. Hopefully the weight of my complaint will carry some force... But probably not!

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Right, I'm having major issues getting through to these people. I've sent two e-mails as below;

 

To whom it may concern,

 

Despite all requests for you to send me proof of any debt before continuing contact, you have not complied.

 

I have therefore lodged complaint to the FOS and the OFT along with the MOD (Who's phone you've been ringing). My manager has also written a statement which has been signed and placed in safekeeping confirming that your pre-recorded message disclosed information to defame and embarass the alleged debtor.

 

In addition, complaint has also been made to the above regarding your call centre operative that took the phone call as she had identified my personal details to somebody other than me without checking that the person on the phone was in fact the correct person. The reference number was not given on the phone call and details regarding my personal business were disclosed.

 

I now ask that you cease and desist contact by telephone as your operatives can clearly not be trusted with personal data and I also ask that this complaint also be passed to your data controller for consideration.

 

Let me reiterate, there will be NO contact by telephone and further contact by telephone to my work place WILL result in court action as you are holding up an EMERGENCY line at the [important MOD building]

Your actions as a company are far from the professional standards set to you and judging by the amount of complaints made to the FOS/OFT regarding your practice, I do feel sorry for your underqualified employees who's jobs are potentially on the line from your consistant rule breaking.

 

Regards.

 

Yukiko

 

 

To whom it may concern;

 

I am writing as a final communication between your company and myself.

 

You have failed to prove to me that I actually owe you any money and any further attempts to contact me will be regarded as a phishing [problem].

 

To contact me, you may only e-mail this address with SOLID PROOF that a debt actually exists, as you have so far not done so.

 

Continuing to contact me by telephone is now not an option.

Regards.

 

 

I've received this back, amongst other useless junk mail from them.

 

 

Dear Mr Yukiko TRANSFER TO HOME VISIT DEPARTMENT

Our Ref: 000000000

Mr Lender payday loan

Debt Value: £840.00

 

Your file has now been passed to the Home Visit Department and a Doorstep Collection Agent will shortly be instructed to attend your property.

 

The default will be registered with all 3 credit reference agencies in our month end report.

 

If you wish to prevent this registration, contact us to accept one of the following offers:

 

- Payment of the debt over monthly instalments.

 

- A substantially discounted payment in full and final settlement of the debt.

 

Contact us NOW before it is TOO LATE: 01138 876 876.

 

If we do not hear from you the default will be registered at Experian, Equifax and CallCredit and this will make it difficult for you to obtain credit no w and for 6 years.

Yours faithfully,

Doorstep Collections Dept

MotorMile Finance UK Ltd.

 

The original debt was agreed by Mr. Lender at £395 and we were all for a repayment plan, so I don't quite know what is going on. But MMF are ignoring all requests to prove that this debt exists. I've got all the e-mails saved so it's blatent that they're ignoring them.

 

Yukiko.

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Got a response from the OFT... Generic one stating that they'll look into MMF for me if enough people moan about them.

 

They've got a CCL which I can post up the number here for too...

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I must be on their good list as I got a festive greetings email offering me special xmas discounts on a non-excistent debt , my i was bowled over by their generousity , good tidings to one and all :lol:

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I'm on their list .... I love the £25 holding payment if you give them your credit/debit card details and remember, Don't miss these special offers. Christmas only comes around once a year!

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A success today with them a debt wriitten off, and a gesture to be made by TWW!!

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Honestly, they're a bunch of losers.

 

I strongly urge anyone else who's having issues to report them to everyone that'll listen.

 

I'm guessing it wont be long before OFT/FOS HAVE to take action seeing as quite a few have complained already.

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  • 1 month later...

I also defaulted on a wage day advance loan of £150.00 and got a email from them that Motormile finance now own the debt, within 1 day of the email, a voice and text message was left on my employers phone. Is this allowed?

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Hi

 

@ jay77 please read post #9 the info you require is in that post and link

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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I also defaulted on a wage day advance loan of £150.00 and got a email from them that Motormile finance now own the debt, within 1 day of the email, a voice and text message was left on my employers phone. Is this allowed?

 

Did you provide your employers phone number??

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  • 2 weeks later...

Hello all, I posted here few weeks back as motormile keep calling my employers phone and leaving messages about me owing money (£150 to WDA), i have emailed them on many occassions requesting not to phone my employers number and contact me directly which they have been ignoring, i have asked to arrange a payment plan for me but they do not respond. My employer told me that a message was left on the answer phone for me saying something about 3 convictions and a warrant? Why don't they contact me directly instead of my employer, i'm grateful that my boss has been understanding as my hours have been reduced at work so they understand the situation but have requested that i contact MMf and ask to remove their number which i have asked but they do not listen. This is just so embarrasing and causing me a great deal of stress and they keep doing it after me repeatedly telling them not to. I don't know what to do as they should not be allowed to do this. Any help or advice would be appreciated. Thank you.

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You need to get your boss to make a formal complaint. Also inform the OFT and OFCOM. Also the ICO.

 

You also need to make a full complaint to Motormile, but address it to their CEO or Data Controller.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Hi

 

Send then this:

 

 

Your Address

 

 

Their Address

 

Date:

 

Dear Sir/Madam

 

Account No/Reference No:

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls and I now require all further communication from your company to be made in writing only. It is my legal right to communicate in writing under Article 8 of the European Convention on Human Rights and prevents any misunderstanding.

I withdraw my consent (under s.10 of the DPA) for you to process my personal data with respect to my personal or work telephone numbers registered with you or stored on your systems/records.

 

The processing and use of these numbers is causing significant distress.

 

I am also of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you may be liable to a substantial fine and/or other sanctions as they see fit. Be advised that any further telephone calls from your company may be recorded and used in evidence and I expect this harassment to cease immediately.

 

Any and all further correspondence must be in writing only.

 

Yours faithfully,

 

 

PRINT OR SIGN YOUR NAME DIGITALLY

 

 

 

 

 

(Ammended)

Edited by stu007

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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You must add a clause in that letter that deals with the telephone calls at work. Especially as the content of the calls are a blatant disregard for the DPA 1998 which is a criminal act.

Edited by renegadeimp

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The Administration of Justice Act 1970 S.40 makes it a Criminal Offence for a creditor or a creditor's agent (often a debt collection agency) to make demands (for money), which are aimed at causing 'alarm, distress or humiliation, because of their frequency or publicity or manner'.

 

if you feel you are subject to Debt Collection Harassment then this too could be classed as a criminal offence. Harassment can be verbal or in writing and would include making repeated calls to your workplace or in anti social hours. The Protection from Harassment Act 1997 makes it a Criminal Offence for any person to pursue a course of action "which they know, or ought to know, amounts to harassment of another person".

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Hi

 

@renegadeimp have amended and added your suggestion good spot thanks.

 

Have converted to PDF with form field to fill in for ease of use:

Edited by stu007

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Hello all, I posted here few weeks back as motormile keep calling my employers phone and leaving messages about me owing money (£150 to WDA), i have emailed them on many occassions requesting not to phone my employers number and contact me directly which they have been ignoring, i have asked to arrange a payment plan for me but they do not respond. My employer told me that a message was left on the answer phone for me saying something about 3 convictions and a warrant? Why don't they contact me directly instead of my employer, i'm grateful that my boss has been understanding as my hours have been reduced at work so they understand the situation but have requested that i contact MMf and ask to remove their number which i have asked but they do not listen. This is just so embarrasing and causing me a great deal of stress and they keep doing it after me repeatedly telling them not to. I don't know what to do as they should not be allowed to do this. Any help or advice would be appreciated. Thank you.

 

Jay,That phone message is so out of order that it must be reported to the OFT Dedt Collection Team, it would be fanatastic if the answerphone recording was avaiable as well.

 

I suggest sending the following letter by recorded delivery.

 

Mr. Robert Sands

Compliance Director

MMF Ltd

 

Ref: Use theirs.

 

Formal Complaint.

 

Dear Mr. Sands,

 

Motor Mile Finance Ltd; has over the past few weeks wage a campaingn of telephone harassment against me, as you will be able to check from your records I have e-mailed the company many times requesting that this harassment should stop and that I wish to deal with this matter in writting only.

 

I have also requested that an affordable repayment plan be set up for me to clear this debt but my requests have been ignored and the harassment has continued

 

The most serious matter is a message left by an operative of MMF on my employers answerphone on xx xx xxxx, which mentoined ''convictions and a warrant'' needless to say this has caused condireable embarassment to me an has endangered my employment as I am already working reduced hours.

 

I am sure I do not have to spell out the breaches of the OFT Guidance on Debt Collection 2003/2012, which in my opinoion are very serious,and having researched the conduct of MMF Ltd it appears that many complaints such as this are being made.

 

I would suggest that given MMFs appalling conduct and telephone harassment that it should seriously consider a financial redress of at least the amount of the outstanding debt.

 

I would expect Motor Mile Finance to make a speedy and appropriate response to my complaint.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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