MMF Doorstep and Legal Collection Specialists,chasing 8yrs old greenwood debt

[Dweezle]

All of a sudden a letter drops through my door from someone called MMF Doorstep and Legal Collection Specialists,

who i am told i have to pay £260, due to an outstanding debt which if it ever existed was at least 7-8 years ago in Scotland.

 

When i phoned Greenwood who told me they sold the debt and my details to they told me to contact this organisation as it was not their problem.

 

I did and had a very unpleasant conversation with an obnoxious young woman who was asking if i had ever had any doorstep loans,

i refused to confirm as she seemed to be trying to get me to admit something,

 

i have had two loans in approx 5 years which i have agreed to set arrangements,

and one was with Greenwoods but that has been satisfied for some time and i only have one left which is being paid off as agreed.

 

This company have now started with the phone calls at all times of the day as i knew they would,

i have disputed this loan with them but fear this harrassment will now continue.

 

They appear uninterested in anything but getting money from me.

 

Who are they, if as i think the loan they may refer to was taken out in Scotland

do they still have the right to threaten doorstep collection or do they still have the right to harrass me with letters and phone calls.

 

What should i do,

i think i saw their name mentioned on here earlier on but as i was not registered

i lost the thread and when i did register i couldn't get it back,

sorry if i'm in the wrong place or repeating what's been already covered,

just a wee bit of advice about these people on what best to deal with them.

[twoman]

could be motor mile finance.

[cerberusalert]

MMF have a shedload of these Statute barred debts. I've asked one of the other mods to look in as he is compiling a file for a mass complaint to the OFT.

[Dweezle]

It is Motor Mile Finance, what happens next?

[cerberusalert]

I've moved your thread into the MMF forum.

 

Have a read of this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?372028-Transcom-Worldwide-motormile-finance-uk-old-simplyBe-debt-says-debt-cannot-be-SB-ed!!(4-Viewing)-nbsp and send the letter in post #11

[dx100uk]

can you scan up the letter?

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

i'd stay off the phone too.

 

there is not legal remit to discuss any debt that way

 

MMF are NOT bailiffs

and have NO such legal powers.

 

check your cra file too.

 

dx

[Dweezle]

Thanks for all that but the last was a bit confusing and i don't really understand all the terms you used and what it means i am doing, maybe a wee simpler idiot guide for this idiot might be easier, but a squillion thanks again.I've done a letter and won't respond to the calls, but what to do when they become nuisance calls at all hours. My partner has Myotonic Dystrophy and as her sople carer i am always around so i cant ignore the phone if it rings, help!! Dweezle.

[BRIGADIER2JCS]

Hi looking in as requested, as cerberus has sail MMF have been chaseing all lot of very old debts through various companies.

 

These debts are mostly statute barred, ie. no payment or acknowledgment in writting has be made in regard to the debt in 6 clear years (5 in Scotland)

this means the debt cannot be enforced in court and the Office of Fair Trading has guidance on how such debts should be treated!

 

The Guidance states that a statute barred debt should NOT be chases once the debtor has informed the creditor in writting that the debt is statute barred, to do so could amount to harassment.

 

I am compiling a mass complaint to submit to the OFT and would like to use your case in this.

[BRIGADIER2JCS]

As cerberus said use the letter drafted, and amend to Motor Mile Finance Ltd addressed to Mr. Neil Petty (Director) at their head office address.

[Dweezle]

Certainly use my name in the correspondance you talk about to the OFT, i sent the drafted letter off to the address given but as i hadn't seen this post until now 6.20 i had sent it to the Woodward person, i suppose that it'll get to the new man in charge nontheless, i hope so, i tweaked it a wee bit but very little as i thought maybe that was ok, but gener do you suggest another one to Neil Petty. its a tad expensive at £1.55 a pop, but hopefully worth it. Dweezle.

[Dweezle]

Can you keep me up to speed on how the mass complaint goes when it's done?, thanks. Dweezle. Do we use real names on here at all, i certainly don't mind.

[BRIGADIER2JCS]

Just send Petty the letter by normal post.

[BRIGADIER2JCS]

I will use suitibly redacted screen prints of letters received from TWW and MMF if Caggers will post them up on the forum.

[Dweezle]

Excellent Thanks Scott.

[Bandit127]

Real names are not a good idea and not approved by CAG.

 

CAG is well recognised as a site where people get good advice about handling various issues including legal ones. As such, the opposition view these forums and (if they can identify the poster) can get one step ahead of you. Especially on debt collection and legal issues.

 

This is a good policy in my opinion and one I value highly.

[BRIGADIER2JCS]

There will be NO real names revealed on CAG with this ''project'' but may be used in strict confidence to nail this submission to the OFT>

[Dweezle]

I agree and accept the well learned logic, didn't mean to offend or break any rules, i'm just getting to know what's what. Thanks.

[BRIGADIER2JCS]

I agree and accept the well learned logic, didn't mean to offend or break any rules, i'm just getting to know what's what. Thanks.

No offence at all a reasonable question imo.