Motormile Finance UK RE:Mr Lender payday loan.

[rippedoff15]

this is todays email, i have wrote sent recorded got zero reply

 

Our home visit team has been scheduled to visit you in person to deal with the oustanding balance of £1,004.00 that is due to MMF.

Our team of Recovery Agents will regulary be attending this postcode with a view to visiting you. Visits can be scheduled between 8am and 8pm Monday to Saturday. We would invite you to contact us to arrange a mutually convenient appointment, to avoid causing you any potential embarassment that may arrive out of an unannounced visit to your home address.

If you do not contact us then we will be left with no other option than to visit your address until we do meet with you. Whilst MMF is always committed to helping their customers reach an amicable solution, if we cannot agree a suitable repayment pl an then we will have no option than to report our findings to our Solicitor who may take legal action agains you in your local County Court and thereafter take enforcement action against you. This will inevitably increase the size of the debt due from you. Also this will affect your ability to obtain credit in the future.

This email is a genuine attempt on MMF's part to help you resolve this problem without the need for legal action. This issue is not going to go away and needs dealing with. Your options are:

Complete and return the payment form attached.

Contact our office immediately to arrange a repayment plan that is suitable for both parties.

Contact our Home Visit Department to agree an appointment, option 1 on our telephone tree.

(If you SMS, please quote your reference of

[sillygirl1]

Please please please report that email to the OFT, it is completely over the top, especially as you have already told them not to come calling.

 

This is taking far more than the proverbial here.

[Annie71]

You really can not win can you.

I am not sure if that email would get them in trouble with OFT but there does seem to be a change in language. Maybe they have started to clean up their act. They are if you look at the website primarily a doorstep team

[sillygirl1]

The email WOULD get them bad marks with the OFT for the following reasons

 

1. Threatening to send doorstep collectors round WITHOUT an appointment - against OFT Guidelines

2. Continuing to claim an alleged amount due which probably includes unenforceable fees, 'fines' and other dubious charges

3. Claiming it is a GENUINE attempt to come to a solution when the original poster has been informing MMF of the over inflated claim - if this was a GENUINE attempt they would have properly written to the original poster at their address, listing the problem, sending a statement of account etc rather than an email or text.

 

This is now my 9,000'th post on this forum, so I think I will continue just to monitor existing threads and not take on any new ones - the bulk of my debt issues have been resolved, one or two rumble on but are nearly statute barred.

[Annie71]

With all due respect I do not care if it is your 9th or 900000th post.

I have read read and re read the oft guidelines including all revisions and do not see any contraventions.

I agree that mmf are borderline but remember they are not the people who added the charges and although morally that is no excuse legally it probably is.

 

I also agree that they do not respond well to communication and that would be the basis of my complaint not the content of an auto generated email.

IMHO without context the complaint of that email would be ignored.

 

A full written complaint to the fos, FCA in 3 months is called for

[citizenB]

I think the OP should now consider escalating their complaint to the FOS.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?399260-Feel-that-you-ve-been-treated-unfairly-by-your-Payday-loan-lender-COMPLAIN-TO-THE-FOS!!

 

I see this type of harrasment no differently to constant telephone calls. Once a person has made it quite clear they do not want a telephone call or a home visit, then the company should back off. If they believe they have a claim, then they should issue the claim and let the court sort it out.

 

What is totally unacceptable is that they know they are causing stress because they allude to the "embarrassment" it may cause the debtor.

[citizenB]

Hopefully when the FCA fully take charge in April, they will fulfill their promise to sort out the PDLs

[Annie71]

Citizen B you have probably put it betterthan I did. The right complaint to the right body is what is called for.

 

SG I am pleased your issues are almost sorted . It is all about targetting your efforts to the right places and when you are not on the front line every day it can be hard to keep up with changes.

Apologises if I sounded dismissive.

 

I feel post count is really immaterial.

[renegadeimp]

With all due respect I do not care if it is your 9th or 900000th post.

I have read read and re read the oft guidelines including all revisions and do not see any contraventions.

I agree that mmf are borderline but remember they are not the people who added the charges and although morally that is no excuse legally it probably is.

 

I also agree that they do not respond well to communication and that would be the basis of my complaint not the content of an auto generated email.

IMHO without context the complaint of that email would be ignored.

 

A full written complaint to the fos, FCA in 3 months is called for

 

Are you SERIOUSLY stating that about MMF? because i can prove you completely wrong.

[Annie71]

Renegade please tell me which bit you have an issue with and which bit you can prove is wrong.

 

This thread is now so long that it is difficult to sort it out.

 

From reading back it is a QQ loan for 350 that went to Gothia. At some point between being taken out and sold to mmf it was inflated to 1004.

 

RO has written several letters to MMF but I can not tell which ones are for which account. Sadly these DCAs do not have joined up processes so you need to send the same letter for each account.

 

I know RO complained to the fos about the mr lender loan but they replied saying give mmf time to sort it out first and if not sorted come back to us. I assume it was sorted as there is nothing else I can see.

 

So I suppose the questions to ask are

Which letters have been sent about this account

Have there been replies

Has a complaint been put in about this account

Has there been a reply

 

I think if there is any confusion as to what has been sent , one letter headed formal complaint asking for proof of liability, removing access for a doorstep visit and communicate by royal mail

only . If these have already been done then a complaint to the fos.. Ducks in a row time.

[rippedoff15]

Well they never give up, had an email from mmf stating mike is going to visit within 4days, and then asks for me to call to make appointment.

[fletch70]

With regard to this debt , how strong is your hand?

 

As Annie asked above

 

Which letters have been sent about this account

Have there been replies

Has a complaint been put in about this account

Has there been a reply.

 

 

I know from personal experience when a DCA is handling several of your debts they do not connect the dots between accounts. It is all well and good saying only contact me in writing about the Mr lender debt but they will not connect that to the QQ debt.

 

I had the self same problem with Moorcrap and in the end I wrote a blanket letter that said for all and any account you may have now or in the future in the name XXXXXXX (surname only) I will only communicate in writing and if you try to take my doorsetp it will blow up. At that point they gave up on me and passed the debts back to the various OCs

[sillygirl1]

I usually put in letters that should they try to collect my doorstep the neighbours in the block will be on their case, and that other DCAs have already earmarked it for other neighbours debts - is the thread still running about the 'central doorstep collection depot' which was once in the Bear Garden?

 

Really and truly these 'doorstep agents' are as effective as cold callers, and there are now big calls to have cold calling completely banned as it is proving very costly and non-effective.

 

Hopefully the new regulator will want to show their teeth immediately in April and get a few quick scalps before the companies reform under different names - and Mr Regulator - whilst you are about it, if a DCA is banned from operating then its directors should be banned from setting up other companies under ANY heading for at least 3 years, if not 6.

[storm01]

I am not holding my breath over any new organisation, but this has been set up to try to force the issue and raise awareness....now if 100,000 people sign... http://epetitions.direct.gov.uk/petitions/60324 Share it retweet it...all you can

[sillygirl1]

There are quite a few flaws in the argument they use, the Law of Property Act 1925 is still a perfectly valid act - they would have been better re-wording the main aim to stop this happening REGARDLESS of whatever Act the debt purchasers are using.

[storm01]

Hi Sillygirl1, worry not, if there was more room in the box it would all have gone down...LOL...but IF it gets through...and it is looking a bit slow already re. gaining signatures...then the whole process/es would be raised, It was streamlined as had to be based on one legal matter that was viable and I think it could be deemed as complete stop, as says stop them buying (cheap) but the tax bit should raise enough interest in Govt.....haha...hmmm!!!

There are quite a few flaws in the argument they use, the Law of Property Act 1925 is still a perfectly valid act - they would have been better re-wording the main aim to stop this happening REGARDLESS of whatever Act the debt purchasers are using.

[rippedoff15]

Well got an email today stating the file has now been passed to the legal department !! What should i fo now as they have sent nil zero details relating to the QQ debt.

[renegadeimp]

Did you send complaints to rob sands? Id be putting the pressure on him and keeping a nice evidence trail to show any court that MMF aren't following the rules or law.

[BRIGADIER2JCS]

Get a Formal Complaint off to Sands RO.

 

 

Missing information not supplied etc., warning them that any court claim will be robustly defended.

[rippedoff15]

Just got email headed country court action, then asking me to call their office, seems they like playing mind games by threating court action

[sillygirl1]

Have you complained to the OFT etc, if not you are wasting your time posting here.

 

Get that email over to them, and the FOS and Information Commissioners Office, they are taking the proverbial here.

[rippedoff15]

I have wrote to FOS information commissioners office, and copied in mmf with all letters so far i have had no reply from anybody.

 

was thinking of writing again yo FOS etc cooling ibn copies of the first letter.

[fletch70]

Why not give the Fos a call and find out if there is a particular case reference number for this. If not raise a complaint over the phone and get a reference number

 

When I lodged complaints in the past I have started with a phone call.

[chuffter]

I agree with Fletch, the FOS are extreamly busy when it comes to e-mails, letters, etc so it can take a bit of time for them to get back to you. If you phone it in, okay you may spend a fair bit of time on the phone (I recommend Flappy Bird to combat the boredom!) you get a case number there and then.

[rippedoff15]

Well my complaint has been logged, and todays email states unless i call them they will start legal action. And the email is blunt to the point giving 7 days they have not wrote any letters just emails.they have word, they will rely on this sms to add legal fees.