Motormile Finance UK RE:Mr Lender payday loan.

[BRIGADIER2JCS]

No doubt they will pursue charges and the extra interest.

[rippedoff15]

Hi Brig, yer was hoping they confirm in writing they accept the amount outstanding 286.86, have seen on MMF post they are now taking court action so very worried

[BRIGADIER2JCS]

It's worth a try, if you want to do this as a full and final settlement please let me know and I'll draft an appropriate letter for you.

[rippedoff15]

sounds like a plan Brig, can you draft the letter later. cheers

[BRIGADIER2JCS]

sounds like a plan Brig, can you draft the letter later. cheers

 

OK, will do, away most of today so will look in later today.

[rippedoff15]

Had a letter from Barry Ellershaw as follows:

 

Having the opportunity to review this matter, I have determined that the loan of £300 was originally issued to you by Mr lender in Oct 2012 and we purchased the debt in May 2013. We therefore legally own the debt and the current balance of £528.00

 

Please find below a breakdown of the outstanding balance:

 

Loan £300.00

Interest £90.00

Default Interest £173.56

Collection charges £60.00

Payments Received £95.56

 

Balance £528.00

 

Please note that all interest and charges were applied by Mr Lender. Should you have any documentation to contradict the above, please contact me again with a copy of the documents you hold.

 

I note that at present we currently have agreed a repayment plan with you for £47.78 by BACS to clear the outstanding balance.

 

yours sincerely

 

After reading this letter I found the last email from Mr Lender, can anyone help as getting nowhere with MMF I have stated happy to clear as per my last statement from Mr Lender but MMF just refuse

 

 

Dear

This is confirmation that we have successfully received your payment of £47.78 towards your repayment plan.

Your next payment of £47.78 is due on 30/04/2013.

Please find below details of your current repayment plan with Mr Lender.

Repay Date Amount Notes

30/04/2013 £47.78

31/05/2013 £47.78

28/06/2013 £47.78

31/07/2013 £47.78

30/08/2013 £47.78

30/09/2013 £47.78

31/10/2013 £47.74

31/10/2013 -£289.14 Discount to close account

Should you have any queries please do not hesitate to contact me.

Best regards,

Jessica

0208-532-5022

[rippedoff15]

Well I have wrote to MMF regarding the QQ/Gothia debt and enclosed letter refusing home visits but they still email as follows:

 

Mr, please contact MMF to discuss repayment. Failure to respond will result in transfer for a Home Visit. Call 01138876876, ref

 

They just don't get it do they, I have not been told they now own the debt from MMF not Gothia so going nowhere fast, I have also asked for proof of debt as well yep no reply

[rippedoff15]

Well had another letter from MMF:

 

Debt : Mr lender Debt Assigned to Motormile Finance UK Ltd

 

We have been notified by our accounts department your agreed repayment arrangement has fallen into default.

 

The matter has now been returned to this department to set up a fresh repayment arrangement or to work towards having a DOORSTEP AGENT VISIT YOUR HOME

 

Before we proceed with the collections process, if you wish to resurrect the repayment arrangement that has fallen into default, please contact us immediately and we will re-honour the prior arrangement. This offer is open for 5 days, after which it will lapse and we will begin preparing the file for the home visit department.

 

Again, we would remind you that we will accept a lump sum payment of £422.40in full & final settlement.

 

 

After reading the letter and not shocked at all, my offer was 286.86 lump sum to clear the debt, which is the amount that was stated by Mr Lender I have emailed them 5 times stating I will repay the amount as per the repayment plan which I was repaying and they ignore the emails. my question is should I repay the correct amount £286.86 and tell them to kiss my ass for the fees they are adding or just wait.

 

don't get me wrong I will repay the correct amount and not their extra fees.

 

anyone can help cheers

[BRIGADIER2JCS]

Hello RO,

 

Ahhh the much vaunted 'home visit file' rears its ugly head again.

 

Private & Confidential

For the PERSONAL attention of

Mr Robert Sands

Compliance Director

MMF Ltd.,

 

Date..................:

 

Ref: use theirs.

 

Dear Mr Sands,

 

I refer to a letter from MMF Ltd., dated xx.xx.xxxx, in which a 'Home Visit' is threatened, please take not of the following points.

 

1. NO home visit is to be made, all permissions implied or explicit for any agent of MMF Ltd to visit my home are formally withdrawn. (I am aware that MMF Ltd., have some misguided belief that such restrictions do not apply to it, please be aware that if any such visit should occur it will be considered harassment and the police WILL be involved).

 

2. I have made a very generous offer to pay the sum of £xxx.xx which is the amount Mr Lender has stated is owed, this offer stands, as I WILL NOT pay exorbitant unfair penalty charges.

 

3. If this offer is rejected I would suggest that MMF Ltd., issues a County Court Claim which will give me the opportunity to expose the despicable conduct of MMF Ltd.

 

This is my final response!

[rippedoff15]

Just had an email from MMF regarding a QQ Debt, they claim to own the debt but nit confirmed any assignment notice, i have wrote stating no home visit, yet they have cinfirmed the file is ready to pass to their IN house law department.

 

Complete joke get no replys from email or in writing, i have wrote to QQ as well and they have not replied.

[BRIGADIER2JCS]

In house 'LAW' department now there's a joke from a company that disregards the legislation, regulation and guidance relating to it's business activities:madgrin:

[rippedoff15]

Well just checked my credit file to find a company called Express finance ltd have listed an account ( 252.00 ) their is no address listed, also Gothia have listed a default and marked the account satisfied this is the debt Motormile claim to own.

 

Is Express finance Motormile ????????????

[renegadeimp]

Express finance are a loan broker

[rippedoff15]

Broker ? why would a loan broker mark a credit report with a debt of 252.00

[rippedoff15]

The only details I can find are as below:

 

Name & Registered Office:

EXPRESS FINANCE LIMITED

L T C

CRANES FARM ROAD

BASILDON

ESSEX

SS14 3JL

Company No. 02893977 Status: Active

Date of Incorporation: 02/02/1994

Country of Origin: United Kingdom Company Type: Private Limited Company

Nature of Business (SIC):

99999 - Dormant Company Accounting Reference Date: 31/03

Last Accounts Made Up To: 31/03/2013 (TOTAL EXEMPTION FULL)

Next Accounts Due: 31/12/2014

Last Return Made Up To: 17/01/2013

Next Return Due: 14/02/2014

Mortgage: Number of charges: ( 0 outstanding / 0 satisfied / 0 part satisfied )

Last Members List: 17/01/2013

[renegadeimp]

https://www.expressfinanceloans.co.uk/

 

or http://www.express-finance.co.uk/

[renegadeimp]

Licence Number:

0373355

Licence Status:

Lapsed on 09/03/1999

Current Applicant / Licensee:

Business Name Company Registration Number

Express Finance Limited 2893977

Categories:

Consumer credit

Right To Canvass Off Trade Premises:

No

Issued Date:

10-Mar-1994

Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

Name Position

Mr Darren Robert Laver OFFICER

Mr Garry Royston Laver OFFICER

Current Address(es):

Address Type Address

Principal Place Of Business Express House, High Road, Laindon, Basildon, Essex, SS15 6BS

Registered Office 5 Security House, Ongar Road, Brentwood, Essex, CM15 9AT

 

Thats for what you just listed, so im thinking one of the two i linked is probably the culprit.

[rippedoff15]

Well need to find out why they have marked the credit report as I have never taken out any payday loans from Express finance, but where to start complete joke

[BRIGADIER2JCS]

This lot are prone to default accounts immediately prior to sale of loan accounts.

 

They do also have a debt collection/financial services function I think.

[Annie71]

Express finance (Bromley) are the money shop and payday express

[rippedoff15]

Express finance (Bromley) are the money shop and payday express

 

I have not had any loans from Money Shop nor Payday Express, nor sure how to sort this out. The only payday loans I had as follows:

 

Minicredit / Opus : Now Cleared

Wonga : Now own by Motormile but not had any information from Wonga or Motormile

Wonga / Gothia : They marked credit file as settled, but Motormile claim they purchased the debt.

Toothfairy : Chased by NDR,MH Appletons

Payday UK: Now Cleared

[BRIGADIER2JCS]

Letter to MMF need RO can do one if you wish?

 

Brig.

[rippedoff15]

Letter to MMF need RO can do one if you wish?

 

Brig.

 

That would be a great help cheers

[BRIGADIER2JCS]

That would be a great help cheers

 

Will do over the weekend.

 

Brig.

[rippedoff15]

Well this is the email from MMF regarding the QQ debt they claim to own, it was own by Gothia who marked the defaulted mark on my credit file as satisfied, as Gothia list the account as default on 06/04/2010 can MMF list another default ? but as yet their is nothing on my credit file relating to MMF

 

 

Dear Mr

Reference:

We are attempting to contact the above named person regarding a personal matter. We have been provided this email address as being the possible address for our subject.

Therefore if you are the person named above, then please contact our office immediatly on telephone number 0844 770 9583 quoting the reference number , where upon detailed information can be provided.

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.

Telephone: 0800 054 2043

Email: [email protected]

We look forward to hearing from you as soon as possible.

 

Yours faithfully,

MotorMile Finance UK Ltd.

Edited September 22, 2013 by rippedoff15