Motormile help needed

[Waccoe74]

Hi

 

I have been receiving text/calls/emails from these people for months so sent them the harassment letter and the revocation of doorstep letter. Today my ex wife received a letter at her house which I would just like some advice on. I have posted the transcript of the letter below, so could somebody please be able to give me some advice on how to respond, thanks

 

Dear Mr XXXXXX

I understand you have decided to revoke your doorsteplicence. In addition to this, you wouldlike us to remove any contact telephone numbers we hold for you.

Firstly, I feel it is important to note that the contactinformation we hold for you was provided to us by Quickquid who issued you theloan. QQ obtained the information directly from you during the applicationprocess. I can confirm that the contacttelephone number details we hold for you have now been removed from the aboverecord.

In relation to your notification of your revocation ofthe doorstep licence regarding our intention to send an agent to your home todiscuss the debt. I can confirm that weare fully aware of this and we ensure we fully comply with the OFT guidanceregarding debt collection and visits by agents. You are not correct in your assertion that, under OFT rules, we can onlycall at your home if you agree to make an appointment. The debt is not reasonably disputed ordeadlocked, and we are giving you reasonable notice of the timing of theintended visit.

In law, a creditor is in a different position to apostman or a member of the public asking for directions. When you took this loan, you impliedly agreedthat the creditor could communicate with you to discuss repayment. You do nothave the contractual right to revoke that agreement until the loan has beenrepaid.

We will not disregard any reasonable requests you make asto the timing or method by which we have those discussions. Unless we hear further from you with such arequest, we therefore give you notice that our agent will be calling at youraddress to discuss repayment of this loan.

Alternatively, please contact us on 08009961103 and quoteref Mxxxxxxx to arrange a repayment plan for the outstanding balance.

We look forward to hearing from you.

Barry ellershaw

[email protected]

[renegadeimp]

Ignore it and report it to the OFT. This company is the lowest of the low. Do not believe ANYTHING they say.

[dx100uk]

their doorsteppers are NOT BAILIFFS

 

they have NO SUCH LEGAL POWERS

 

dx

[Waccoe74]

Hi Thanks for the replies, I have already reported them to OFT and am not worried by their continual threat of home visits. I just wanted some information regarding the part in their letter that states in law a creditor differs from a postman re home visits. Despite them saying they have removed my phone details I have received 47 calls or texts in the last week. I have again reported to the OFT, is there anything else I can do to report these for Harrassment?

[dx100uk]

just silly willy waving

 

ignore them

 

dx

[renegadeimp]

OFT guidance says that the doorstep collectors CAN come to your house, but ONLY if you make an appointment with them. They are not allowed to turn up uninvited. The reason they do is because nobody knows their rights and therefore don't complain.

 

No appointment = no visit. Thats why we advise to send the doorstep collectors letter to make them aware that you know your rights and you wont hesitate to issue complaints to the regulators.

[Kitten1]

This letter your wife received appears to be their standard template response to anyone revoking implied right of access. They sent me the same via email.

 

I'm also being harassed by them and am compiling records of all calls & texts received from them. Today alone, there has been 3 or 4 missed calls on my mobile & 4 calls to my housephone, leaving messages from Shane the robot. All between the hours of 9am & 2pm! Their autodialler must have been smoking today!

[renegadeimp]

Hope you have reported them to the OFT and OFCOM.

[mmfhater]

i had the same letter about 2 months ago and ive not heard of them since

[BRIGADIER2JCS]

Complain as follows to

 

Mr Robert Sands

Director of Compliance

 

MMF Ltd.

 

Ref: use theirs.

 

re: Doorstep visits.

 

Dear Mr Sands,

 

I refer to the ridiculous letter from MMF dated xx xx xxxx signed by xxxxxxxxxx, it seem to me that the writer is either seriously misinformed or dangerously delusional.

 

I am sure as director of compliance you must be aware that the statement that ''a creditor is different from a member of the public regarding visiting a private home' any agent, representative or employee of MMF Ltd., is just a member of the public has no authority, or powers to insist on visit my property without my agreement.

 

The statement that the terms & conditions of a credit agreement allow for these visits also has no merit.

 

As to complying with OFT Guidance from what my research into the conduct of MMF Ltd is nearly always in breach of some section of the guidance and I'm sure that the OFT has a very large file of complaints regarding the conduct of the company.

 

For clarification any person purporting to represent MMF Ltd call at my property will be 'invited' to leave immediately or be removed. I will not discuss any financial matters with any such person.