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Hi guys,

 

Hope your all good, been a while since I was advising here on CAG (been very busy). My friend got a letter from MMF (I've never dealt with them before) , after sending them a doorstep collection letter and as I have been out of this for a while I thought I would put it up on here to make sure I am still upto speed with current OFT guidelines etc.

 

The debt was with a payday loan company for 350. Anyway MMFhave sent a NOA and then about a million texts and phone calls. Now this letter he received today.

 

Dear Mr xxxxxx

 

Thank you for your letter dated xxxxxx regarding your account with us.

 

I understand that you have decided to revoke your doorstep licence.

 

In relation to your revocation of the doorstep licence regarding our intention to send an agent to you home to discuss the debt. I can confirm that we are fully aware of this an we ensure that we fully comply with OFT guidance regarding debt collection and visits by agents. You are not correct I you assertion that under OFT rules, we can only call at your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked, and we are giving you reasonable notice of he timing of the intended visit.

 

In law a creditor is in a different position to a postman or a member of the public asking directions. When you took this loan, you implied lay agreed that the creditor could communicate with you to discuss repayment. You do not have the contractual right to revoke that agreement until the loan has been repaid. Yet you have frustrated our attempts to discuss the matter with us either by letter or telephone.

 

We will not disregard any reasonable requests you make as to timing or method by which we have those discussions. Unless we hear further from you with such a request we therefore give you notice that our aent will be calling at your home address to discuss repay,ent of this loan.

 

Etc etc etc.

 

What do you guys think ???


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Stadard Crapola,

The OFT Gudance is that it is unfair to ignore a debtors reasonable request as to when where and how they are contacted.

 

Write to Neil Petty Director at MMF and tell the above and also mention you are sending a copy of the letter to the OFT.

 

I've done on a few of these MMF letters and they have backed down, your original letter is a little archaic now.


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I'm not quite sure what letter he sent regarding doorstep collections to be honest. And as I guessed things had probably changed since I was regularly posting on CAG I thought I would check.


My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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I'm not quite sure what letter he sent regarding doorstep collections to be honest. And as I guessed things had probably changed since I was regularly posting on CAG I thought I would check.

It,s best to keep the letter for this down just to a quote of the OFT Guidance as said in post 2#


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have moved this to the MMF forum

 

al the info is here for you

 

dx


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Was the original loan with QuickQuid?


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Hi CD, long time no speak, how's the HFO/roxboroug bashing going?

 

I think he said lending stream, but I'll check with him. They sent a NOA dated 11/12/2012 yet sent this letter 10 days later. Obviously previously they were collecting on behalf of the PDL company . I pointed out that as they only owned the debt door 10 days how could they have been frustrated in their attemps to contact him.

 

As they were previously collecting on behalf of the the PRL his responsibility was to them not MMF.


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