Motormile finance and verification letter

[muffin83]

Hi all.

I recently sent a cca request to motormile with a template from this site.

 

I had a loan with quid24 which got passed to Mercantile Recovery Solutions.

 

I set up a payment plan with them, paid the first installment and then out of nowhere,

received a letter from mmf stating they were now chasing for the debt and with the usual threats etc.

 

After lots of too and fro over emails etc and speaking via email with quid24,

I had it confirmed that it was passed to Mercantile.

 

Mmf advised they bought the debt from Mercantile but had no record of my first installment.

 

I then requested a cca from mmf after doing some digging on them and seeing how scummy they are.

 

Today I have come home to a "verification and fraud notice" from mmf which provides details of the amount borrowed,

my salary and employer at the time and my full bank details at the time of borrowing and the outstanding amount.

 

It does not give any details of the credit agreement nor us there a copy of it as requested.

They just state that this is the information about the loan and if I believe it to be fraud they can investigate.

 

It states collection is on hold until I reply.

 

Sooo...what do I reply with? Because to my knowledge, what they've sent isn't what I asked for.

 

Thanks folks.

[citizenB]

You simply write back to them advising that you do not understand their response to a legal request for a document they should have on their records.

 

You have provided them with the statutory fee of £1.00 you now expect the following.

 

Copy of the agreement they say you signed

Copies of terms and conditions both at inception and at default or currently

Statement of account showing how they have arrived a the sum they say you owe.

 

That they are legally obliged to comply with the request within 12 working days + 2 - that as they have now acknowledged they have received your request, you are giving them 7/10 days in which to comply and if they dont, then you will be taking your complaint further.

[muffin83]

Ok, great. Thanks for the reply.

 

It does seem to me they are buying time because initially, they said that the debt shouldn't have been passed to them if I had entered into a repayment plan etc with Mercantile.

 

Turns out though, Mercantile is no more *I think* and the day Samantha Fraser resigned as director and paid off her staff the director at mmf was appointed.

 

Are they all one in the same? Mucky hall, mmf and Mercantile?

 

Do I also have a case for breach of data protection given that the letter I got today quotes a bank account with information, acct no and sort code etc?

[dx100uk]

sounds like another version of the old google earth trick

 

they post you a picture of yout house

and say wanna lose this?

 

pay up

 

dx

[Jimmy99]

So they say it was sold to MMF, have you had a NOA? If you do how was it sent?

MMF are in breach or soon will be of your CCA request

 

Have quid 24 sent you a default notice...probably not by my guess