MOTOR MILE FINANCE ( E-Mail)

[JGJ]

Hello all,

 

Out of the blue today received an E-Mail from mmf Nationwide Doorstep & Legal Collection Specialists, re an alleged debt to Uncle Buck. Circa £200.

 

One of our Doorstep Agents will shortly be attending your property and this is a formal request for you to provide an agreed appointment time and date, failing which, our agent will have no option other than to arrive unannounced.

PLEASE DO NOT IGNORE THIS MATTER AS COSTS AND INTEREST WILL SHORTLY START TO BE ADDED TO THE ACCOUNT BALANCE AND WILL GREATLY INCREASE THE AMOUNT YOU WILL HAVE TO PAY.

 

Please contact us urgently on 01138 876876

 

 

 

 

 

Yours Faithfully,

Doorstep Collections Dept.

Motormile Finance UK Ltd

 

I have read several threads re them and their threatogrammes but need further advice/info on the best way to respond/react to their initial E-Mail as above.

All advice/info will be as usual gratefully received.

 

"EXEMPLO DUCEMUS"

[Bombaymix]

Have a look in the library. There is a doorstep letter in there somewhere. (sorry posting from phone do can't provide link)

 

The letter tells them they are only allowed to visit by appointment and then goes on to say that since you won't be making an appointment any time soon then not to bother turning up on your doorstep.

 

These clowns did actually turn up on my doorstep. I just had someone tell them to clear off. I then sent the doorstep letter and they never bothered again.

[zydeco]

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

[JGJ]

Bombayix,

Thank you for your input.

 

I have the Doorstop Call letter on hand as I have had to use it on other DCAs, by sending by signed for delivery with Royal Mail.mmf seem to be very aggresive in their Threatogramme E-Mails etc.

 

Not sure I should enter into a game of E-Mail tennis with them?

Any further advice/info will as usual be gratefully received.

 

"EXEMPLO DUCEMUS"

[Stigman]

Hi,

 

First of all are MMF collecting on behalf of Nationwide or have they purchased the debt? If MMF have purchased the debt you should have received a Notice of Assignment (N.O.A.).

 

When did you last make a payment? Over six years (five years if you live in Scotland) with no payment and the debt is Statute Barred.

What is the debt from Nationwide for? Credit Card / Loan / Overdraft ???

 

As usual if anyone does turn up, tell them to leave your property immediately, they have no legal right to be on it and call the Police if they refuse to move.

 

Stigman

[JGJ]

Stigman,

Its mmf (MotorMile Finance UK Ltd,) CAG has highlighted it as "Nationwide"

E-Mail received today out of the blue and as stated above #1. Nothing received from Pay day co re assignment.

 

"EXEMPLO DUCEMUS"

[Stigman]

Hi.

 

I'd personally wait until they send you something by post.

 

Only once you have received something made from a tree you can act accordingly.

 

Until then, I would personally ignore but keep the email in-case you ever need to refer to it.

 

Usual CAG rules apply, if they phone, do not answer any security questions and just say "in writing only" and hang up, you can also laugh and blow raspberries if you so desire!

 

Stigman

[JGJ]

Stigman,

 

Thank you for the swift reply.

 

"EXEMPLO DUCEMUS"

[JGJ]

Hello All,

 

Letter from mmf received today.after sending them the NO Doorstep Callers Letter by Rec. signed for del.

 

Thank you for your recent letter dated ** March 2013, regarding your account with us.( What acc mmf?)

I understand you have decided to revoke your doorstep licence and also that you would like us to remove any contact telephone numbers we hold for you. (Not in my request letter, but thank you)

 

Firstly, I feel it is important to note that the contact information we hold for you was provided to us from Uncle Buck.who issued you the loan. Uncle Buck obtained the information directly from you during the application process. I can confirm that the details we hold for you have now been removed from our records.

 

In relation to your notification of your revocation of the doorstep licence regarding our intention to send an agent to your home to discuss the debt. I can confirm that we are fully aware of this and we ensure that we fully comply with the OFT guidance regarding debt collection and visits by Agents. You are not correct in your 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 the 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 impliedly 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 the 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 agent will be calling at your home address to discuss repayment of this loan.

 

Alternatively please contact us on 08009961103 and quote the above reference number to arrange a repayment plan for the outstanding balances, or to discuss a settlement. Our collections department is available between 8am and 8pm Monday to Thursday 8am to 6pm Friday and 9am to 12pm Saturday.

 

We look forward to hearing from you.

 

Yours Sincerely

 

Barry Ellershaw

Customer Relations Officer

Email [email protected]

 

All advice comments and information will as usual be gratefully received.

 

"EXEMPLO DUCEMUS"

[NailPost]

Barry has used words like these before but he still hasn't got the hang of it. If anyone visits you at your home you don't have to let him/her/it in. You are not "contractually obliged" as per the loan agreement to even talk to their agent. They appear to have not yet proved to you they have the right to collect this alleged debt. If/when their muppet calls round ask him to identify themselves, make a note of it, and then tell em to sling his hook.

 

The same advice applies - do not phone them, if you to contact them you will write and they must repond in writing. get them to practice their best joined up.

[ScarletPimpernel]

I am not personally in favour of the 'revocation of licence' approach to threats of doorsteppers.

 

In my view it is better to send them something like this:

I refer to your email dated xxxxx, the content of which is noted.

 

Take notice that I do not agree to any agent of your company, or of any other company you claim to represent, or claiming to represent you, calling at my home at any time. I am aware that the Office of Fair Trading's Guidance on Debt Collection makes clear that any caller must leave at once if asked to do so. Consequently the only way in which I will engage with a caller is to instruct him to leave immediately. Failure to comply will result in the police being called, and a formal complaint to the Office of Fair Trading.

 

Any communication from you in this matter must be in writing.

 

I trust that my position is now entirely clear; if you do not understand any part of this letter, you should seek professional advice.

 

[ncm-000]

I trust that my position is now entirely clear; if you do not understand any part of this letter, you should seek professional advice.

 

I like it but prefer my version.

 

"... if you do not understand any part of this letter, I suggest you seek out someone in the office who is not a Moron, Cretin or Imbecile (I know it will be difficult, but try). Try to find someone with an IQ above 50, they may be able to help you get the general drift if not a complete understanding."

[Horsen]

ncm-000, they could be looking for a very long time then.

[ncm-000]

ncm-000, they could be looking for a very long time then.

 

 

Spread the FUD always spread the FUD!

[citizenB]

Hello All,

 

Letter from mmf received today.after sending them the NO Doorstep Callers Letter by Rec. signed for del.

 

Thank you for your recent letter dated ** March 2013, regarding your account with us.( What acc mmf?)

I understand you have decided to revoke your doorstep licence and also that you would like us to remove any contact telephone numbers we hold for you. (Not in my request letter, but thank you)

 

Firstly, I feel it is important to note that the contact information we hold for you was provided to us from Uncle Buck.who issued you the loan. Uncle Buck obtained the information directly from you during the application process. I can confirm that the details we hold for you have now been removed from our records.

 

In relation to your notification of your revocation of the doorstep licence regarding our intention to send an agent to your home to discuss the debt. I can confirm that we are fully aware of this and we ensure that we fully comply with the OFT guidance regarding debt collection and visits by Agents. You are not correct in your 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 the timing of the intended visit. Just because they dont consider the debt disputed, does not mean that it isnt.. by you.

 

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 impliedly 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.

 

Ask them to provide the law/regulations that provides a creditor with this right. Also request from them the clause / section of the contract that allows for them to simply turn up on the doorstep !

 

We will not disregard any reasonable requests you make as to the 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 agent will be calling at your home address to discuss repayment of this loan.

 

Alternatively please contact us on 08009961103 and quote the above reference number to arrange a repayment plan for the outstanding balances, or to discuss a settlement. Our collections department is available between 8am and 8pm Monday to Thursday 8am to 6pm Friday and 9am to 12pm Saturday.

 

We look forward to hearing from you.

 

Yours Sincerely

 

Barry Ellershaw

Customer Relations Officer

Email [email protected]

 

All advice comments and information will as usual be gratefully received.

 

"EXEMPLO DUCEMUS"

 

I am not personally in favour of the 'revocation of licence' approach to threats of doorsteppers.

 

 

I refer to your email dated xxxxx, the content of which is noted.

 

Take notice that I do not agree to any agent of your company, or of any other company you claim to represent, or claiming to represent you, calling at my home at any time. I am aware that the Office of Fair Trading's Guidance on debt collection makes clear that any caller must leave at once if asked to do so. Consequently the only way in which I will engage with a caller is to instruct him to leave immediately. Failure to comply will result in the police being called, and a formal complaint to the Office of Fair Trading.

 

Any communication from you in this matter must be in writing.

 

I trust that my position is now entirely clear; if you do not understand any part of this letter, you should seek professional advice.

 

 

 

In my view it is better to send them something like this:

 

I like SP's short and sharp letter, it gives them nothing to argue over or to worry their tiny little brains trying to find something waffly in which to attempt to confuse the debtor.

 

It is my legal right to communicate in writing under Article 8 of the European Convention on Human Rights and prevents any misunderstanding.

 

[JGJ]

Hello All,

 

Thank you very much for all of the swift replies, I appreciate them very much.

I will take on board and re post with any replies from them.

 

"EXEMPLO DUCEMUS"

Edited April 5, 2013 by JGJ

[paulh1818]

The response you received that starts 'You are not correct in your assertion that, under OFT rules we can only call at your home if you agree to make an appointment. etc...' is exactly, word-for-word, the same response i got from credit solutions/power2contact regarding a mobile phone debt. Im thinking that this is now just another template that dca's are using as a response. Maybe they managed to organise a meeting. lol.

[JGJ]

Another empty paragraph to include in their Threatogrammes.

 

 

"EXEMPLO DUCEMUS"

[fletch70]

I have a letter from the CSA telling me they were making motormouth aware that they could only visit by mutually agreed appointment. Its seems that mm are still in need of a good spanking. I feel that everyone who gets that letter should email credit fitness at the OFT. Seems that nothing has changed since rob sands has taken over.

[JGJ]

fletch70,

 

Thank you, Letter on the way.

 

"EXEMPLO DUCEMUS"

[JGJ]

Hello All,

 

E-Mail arrived this morning from MMF.

 

Subject: Please contact MMF

 

Dear Ms.

REF;

 

We are attempting to contact the above named person regarding a personal matter. We have been provided with this email

address as being the possible address for our subject.

 

Therefore if you are the person named above, then please contact our office immediately on telephone number 0844 770 9583 quoting the reference number if, however, you are not the person named above and/or have any information regarding the persons whereabouts, then please contact our investigation team, in confidence, on the alternative telephone number or email address below.

 

Yours faithfully

MotorMile Finance UK Ltd.

 

Speculative message or what, are they really allowed to get away with this??

 

All comments advice/info will be as usual gratefully received.

 

"EXEMPLO DUCEMUS"

[sillygirl1]

No, they are not allowed to get away with this, it is a phishing email.

 

You need to report them to the OFT - http://www.oft.gov.uk and Trading Standards. You will get a generic reply from both but the more people who complain about this type of message the better.

[JGJ]

sillygirl1,

 

Thank you for your reply, complaints on there way.

You are so right, if we all put our complaints into the relevant authorities, we would have a much quieter time.

 

"EXEMPLO DUCEMUS"

[fletch70]

Sillygirl , with respect that is no different to a letter. If that is all they have been given then yes they can send that sort of letter. If however you have already replied and stated that you do not know this person, then that is very different.

 

I would just ignore until you get something in writing.

 

Oh BTW inEngland you can not contact trading standards , you have to go through the replacement for consumer direct

[JGJ]

Hello All,

 

Since sending them the" NO Doorstepping Letter" and receiving their reply as at #9, all has been quiet until today another of their "Notice of Potential Action" letters arrived.

 

This one stating again if you do not provide re-payment proposals within 5 days we reserve the right to to pass this matter to our "HOME VISIT DEPARTMENT" with a view to assessing your finances and living standards.

 

All comments/advice/info will as usual be gratefully received.

 

"EXEMPLO DUCEMUS"