Motormile Finance UK RE:Mr Lender payday loan.

[rippedoff15]

This is todays email from MMF chasing the old Gothia/QQ debt, I have wrote requesting information relating to their claim but had no reply

 

 

Dear Mr

Please contact Motormile Finance regarding your outstanding account on 01138876876 quoting reference M123456789

Yours faithfully

MMF

[Annie71]

I am also confused but if gothia sold the debt they would then mark the credit file as satisfied and usually mmf would then place their own defaukt against you although the date must be the same.

[rippedoff15]

I am also confused but if gothia sold the debt they would then mark the credit file as satisfied and usually mmf would then place their own defaukt against you although the date must be the same.

 

That's my thinking as well, however MMF have not made any entry's and not confirmed any of my requests relating to proof they own this debt

[rippedoff15]

This is todays email from MMF regarding the debt from Gothia:

 

Dear Mr

Reference: M123456789

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 M123456etcetc whereupon 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

[Annie71]

Not everyone does register with CRA . Shows how stupid they are if they dont answer letters. Maybe just ignore them. Have you anything other than email

[BRIGADIER2JCS]

This is todays email from MMF regarding the debt from Gothia:

 

Dear Mr

Reference: M123456789

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 M123456etcetc whereupon 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

 

More underhand nonsense I think, that e-mail is a copy of phishing letter used by Mackenzie Hall in the past.

[rippedoff15]

They only email threats relating to this debt. So far nothing in writing, i have wrote but get no reply. They were chasing the balance from a mr lender debt as well. But they have stopped. I think they may issue court action lets wait and see

[Nao]

Let them take you to Court, then show up with evidence of all the breaches of DCA guidelines, they won't even have time to roll in their tails before the Judge is fully on your side.

[renegadeimp]

Judge wont deal with OFT guidelines, as theyre just guidelines, not law. You need to be contacting the regulators and issuing full formal complaints, so IF you are taken to court, you have a clear and full paper trail to show the court.

[Nao]

I'd turn up with all of it anyway on top of responses from OFT and so on, but yes OFT complaint is always one of the first steps with those dodgy DCAs.

[Annie71]

To be frank isn't it better to avoid court . If the debt is legit and enforceable you would lose and have costs added

[Annie71]

I'd turn up with all of it anyway on top of responses from OFT and so on, but yes OFT complaint is always one of the first steps with those dodgy DCAs.

Don't you need to complain to the DCA before going to the OFT

[renegadeimp]

Nope. But it helps as the DCA has 8 weeks to investigate your complaint before you get the FOS involved.

[renegadeimp]

To be frank isn't it better to avoid court . If the debt is legit and enforceable you would lose and have costs added

 

MMF rarely deal in enforceable debts. THey DO, but not as often as you think. They prefer to use tactics such as threats and extreme harassment to force you to pay regardless of the status of the debt.

[BRIGADIER2JCS]

MMF rarely deal in enforceable debts. THey DO, but not as often as you think. They prefer to use tactics such as threats and extreme harassment to force you to pay regardless of the status of the debt.

Unfortunately no the case, MMF are indeed starting litigation through various 3rd parties and now have a 'solicitor' on the staff, we have not seen many here but it is happening in the world outside CAG, so caution is needed.

[renegadeimp]

Like i said brig, they DO deal with it, but i doubt it is a common occurance. Same with a few other DCA's. MMF seem to be like a little terrier dog. All yap and no actual movement.

[BRIGADIER2JCS]

Like i said brig, they DO deal with it, but i doubt it is a common occurance. Same with a few other DCA's. MMF seem to be like a little terrier dog. All yap and no actual movement.

Sorry to say things are certainly changing and quite fast.

[fletch70]

I would never assume that they will not issue proceedings. Even if the debt is UE , how many people will know that

[rippedoff15]

Todays email, I have checked my credit file and MMF have not entered any searches nor added any records, the only change was virgin media who entered the wrong debt amount.

MMF are chasing the Gothia debt which is marked on my credit file as satisfied

 

 

Despite previous correspondences you have failed to respond to our company. We have obtained an alternative residential address as a financial link, linking the address to your previous abode. This financial link was supplied by a credit reference bureau. We will be writing to you shortly.

We are unaware of any legitimate reason for non-payment of this account and although we would prefer an amicable settlement, we will not hesitate to take such further action as may be appropriate.

We trust this will not be necessary and would request that you send you payment within the next 10 days.

If you have recently forwarded payment or if there is any issue that you would like to bring to our attention then we would ask you to contact this office immediately by telephone on 0844 770 9583.

Important: If you are not the named person above please contact us quoting Address ID �ontact0con_id�to stop any further communication.

Yours faithfully,

[renegadeimp]

Dear oh dear. Another blatant breach of OFT guidance. And in a standard form letter too.

[fletch70]

Maybe my eyesight is going but which OFT guideline have they broken?

 

As said before I suspect the Gothia debt will be marked as satisfied because to Gothia it is...they have sold it on. MMF do not always report to CRA's and didn't when they briefly held a debt of mine

[rippedoff15]

This is todays email, they seem to refuse to reply in writing only email

 

Dear Mr

NOTICE OF POTENTIAL ACTION

Our Ref:

Debt Details: Quick Quid Payday Loans

Debt Value: £1,004.00

We note w ith regret that you have not responded to our last email giving you legal notice that MMF now owns your debt. As such we are now preparing this matter for further action.

Please provide your repayment proposals within the next 5 days, failing which we reserve the right to pass this matter to our Home Visit Department.

Please be advised that all of our operators here at MMF are ready and waiting to discuss the matter with you in an attempt to find a realistic solution towards repaying the debt. You will find us helpful and ready to listen.

However, unless you contact us to discuss the account, then there is little option open to us other than to arrange a Home Visit with a view to assessing your finances and living standards.

Alternatively, please visit our website on www.mmile.com

We look forward to hearing from you.

Yours faithfully,

MotorMile Finance UK Ltd

[fletch70]

Rippedoff

 

Sorry but am not really up to speed on this one. You may have noticed that the Brig has left us ao what will happen to the so called super complaint he was putting together I really do not know.

Have you written to them at all?

I know from experience that they are a bit slow at matching details up, the phrase left hand not knowing what the right hand is doing could have been created for them.

 

If you have not written I would write with a no doorstep letter and also instructions to by snail mail only ( How do they know that you have access to email all the time).

Can you remind me what the dispute is exactly, I will try to read back and check

[renegadeimp]

Whatever you do, you have to send it to Rob Sands who is their compliance officer. You will be completely ignored otherwise.

[rippedoff15]

Well had an email this mirning, stating they are passing the file to their doorstep dept. To call at our house and assess my income. Also they are passing to their inhouse solicitor for legal action. Very threating email, i have wrote twice now requesting proof of this old qq debt and so far they have never replied.

 

Think i would like them to issue action and see how would action in front if the judge. And explain why they do not reply to letters etc etc. Has anybody ever hsd court papers from this company ?