MMF Advice - payday loan, Mr. Lender

[jackiekebab]

I've received a letter dated 04/01/13 which states I owe £620 to MMF (Motormile Finance UK Ltd).

 

It states it has been passed to the home visit division.

 

They advise I can set up a standing order to pay them, I was going to set up a DMP with CCCS and still plan on doing so in the next fortnight. It asks me to contact them via e-mail or telephone to discuss repayment terms.

 

Any hints on what I should say/avoid saying to them?

 

Thanks,

[i hate bailiffs]

what is the debt for when was the last payment made

 

home visit how exciting a door stepper has no powers and can be told to play with the traffic

[jackiekebab]

Payday loan, Mr. Lender, can't remember mate, ages ago?

[stu007]

Hi

 

When you say ages ago roughly how long was last payment to each?

[BRIGADIER2JCS]

Keep off the phone if you want to start repayments get it all in writting.

[jackiekebab]

Hi

 

When you say ages ago roughly how long was last payment to each?

 

Probs about four/five month ago to Mr. lender

[jackiekebab]

Had a text today from a mobile saying This is notice I will arrive unannounced within 4 days. Mike - MMF Agent. Call the office if you wish to make an appointment. 0800 996 1103 and reference number.

 

What should I say to this, should I ring him or the office, not making an appointment, the little radgie isn't coming into mine like!

[i hate bailiffs]

if he turns up unannounced just tell him to go and play with the traffic

he has no right of entry not a bailiff and has less right than a snail to be on your property

[jackiekebab]

So should I just ignore it and tell him he can't come in when he turns up or is itn ot wiser to tell them not to bother sending him?

[BRIGADIER2JCS]

Ok I think you must reply to the text saying.;

 

In reference to the threat of a visit from Mike allgedly an agent of MMF please not I will not discuss any financial matters with itinerant persons who arrive unannounced at my home,should any agent of MMF make such a visit he /she ot it will be invited to leave immediately, failure to do so will result in the removal of any agent using all ''reasonable'' force.

 

Then send a written copy of this and a transcript of the text to Mr. Robert Sands, Compliance Diirector MMF marked Private and Confidential. send to Protection House address.

[jackiekebab]

Ok I think you must reply to the text saying.;

 

In reference to the threat of a visit from Mike allgedly an agent of MMF please not I will not discuss any financial matters with itinerant persons who arrive unannounced at my home,should any agent of MMF make such a visit he /she ot it will be invited to leave immediately, failure to do so will result in the removal of any agent using all ''reasonable'' force.

 

Then send a written copy of this and a transcript of the text to Mr. Robert Sands, Compliance Diirector MMF marked Private and Confidential. send to Protection House address.

 

That's perfect ,mate, cheers much appreciated.

 

What is Protection House though?

[steveball1966]

Hi

 

Send mmf the following letter recorded delivery type your name do not sign this will get them off your back and look for this video on you tube very informative

 

 

UK DEBT COLLECTION - how and why they lie to you Part 1

 

Dear Sir or Madam,

 

Account Ref:Your ref

 

Please be advised that I will only communicate with you in writing. I havenoted your repeated attempts to contact me by telephone/Text over the past fewweeks and these have been duly logged by time and date.

 

Furthermore, should it be your intention to arrange a “doorstep call”, pleasebe advised that under OFT rules, you can only visit me at my home if you makean appointment and I have no wish to make such an appointment with you.

 

There is only an implied license under English Common Law for people to be ableto visit me on my property without express permission; the postman and peopleasking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB384. per Lord Evershed M.R.). Therefore take note that I revoke license underCommon Law for you, or your representatives to visit me at my property and, ifyou do so, you will be liable to damages for a tort of trespass and action willbe taken, including but not limited to, police attendance.

 

 

 

Yours Faithfully

[stu007]

Hi

 

Protection House is where Motormiles Head Office and Accounts is located:

 

Motormile Finance Uk Ltd

Head Office and Accounts

Protection House

83 Bradford Road

Leeds

LS28 6AT

 

Hope this helps

[jackiekebab]

Great stuff, this is fantastic, cheers guys.

[BRIGADIER2JCS]

Letters should be a ddressed to Mr. Robert Sands, Compliance Director.

[jackiekebab]

Sterling, cheers mate

[BRIGADIER2JCS]

Hi

 

Send mmf the following letter recorded delivery type your name do not sign this will get them off your back and look for this video on you tube very informative

 

 

UK DEBT COLLECTION - how and why they lie to you Part 1

 

Dear Sir or Madam,

 

Account Ref:Your ref

 

Please be advised that I will only communicate with you in writing. I havenoted your repeated attempts to contact me by telephone/Text over the past fewweeks and these have been duly logged by time and date.

 

Furthermore, should it be your intention to arrange a “doorstep call”, pleasebe advised that under OFT rules, you can only visit me at my home if you makean appointment and I have no wish to make such an appointment with you.

 

There is only an implied license under English Common Law for people to be ableto visit me on my property without express permission; the postman and peopleasking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB384. per Lord Evershed M.R.). Therefore take note that I revoke license underCommon Law for you, or your representatives to visit me at my property and, ifyou do so, you will be liable to damages for a tort of trespass and action willbe taken, including but not limited to, police attendance.

 

 

 

Yours Faithfully

 

There is very little to gain from the last para in that letter, a simple statement that no visits or phone calls are to be made has far more impact.

[fletch70]

surely while the last paragraph may be unnecessary it lays down what the likely consequences are. Just a personal opinion.

 

In general short sharp non "template" style letters are more efficient and can demonstrate to both the company and if needed a judge that you know what you are talking about.

Any idiot can pull a template letter from the internet.