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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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Motormile Finance UK RE:Mr Lender payday loan.


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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Well no shock after sending letters by recorded delivery confirming they signed for the letter, and yes thy still keep rings my mobile 5 times this morning, 3 texts stating MIKE WILL BE ATTENDING YOUR PROPERTY UNANOUNCED, if he turns up I will ask him for letter giving him consent to visit my house get any letter as proof slam the door and start hasserment claim.

 

Totally wrong the why this company operates we all should help to get them closed down

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Bear in mind that even if signed for the complaints may not have been opened and read yet, and if they have the recipient may not have sufficient knowledge or authority to act.:!:

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Don't think they have any knowledge :lol: , however did get a call last night from a withheld number and it was a job offer starting Monday so not all bad news. just not giving up regarding MMF Ltd. I have emailed an offer of repayment 3 times and they refuse to even reply and just keep demanding the amount of £623.56. So the fun continues.

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Don't think they have any knowledge :lol: , however did get a call last night from a withheld number and it was a job offer starting Monday so not all bad news. just not giving up regarding MMF Ltd. I have emailed an offer of repayment 3 times and they refuse to even reply and just keep demanding the amount of £623.56. So the fun continues.

Hi Ro,

Congratulations on the job!!! Good Luck.

 

I'll do all I can to assist with MMF.

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Well just had letter today confirming my complaint, the copy letter is so poor its a joke, they state they will look into the issue and will reply within 56 days.

 

 

Note it states on the bottom of the letter

 

MMF are a trading division of Motormile finance UK Ltd 006637307

 

regards .

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Well, at least they got the time limit correct.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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Well just had letter today confirming my complaint, the copy letter is so poor its a joke, they state they will look into the issue and will reply within 56 days.

 

 

Note it states on the bottom of the letter

 

MMF are a trading division of Motormile finance UK Ltd 006637307

 

regards .

Who signed the letter RO?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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It was signed by Barry Ellershaw customer Relations Manager ????? very poor copy letter / photo copy

 

A badly typed and formatted letter, hand written envelope with childlike writing?

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well since the letter I have had NIL ZERO calls or texts from MMF, I bet its calm before the storm

 

Maybe someone has taken a look at CAG:lol:

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Brigadier

 

This is the content of one of their numerous emails, can they legally add or even threaten to add 'default interest'?

 

MMF is now the legal owner of the account.

 

All default interest and collection charges have been frozen from your account for 7 days. If the account remains unpaid after this time, we will add default interest to the balance which will significantly increase the debt.

 

Surely they should, at least, be telling victims how much interest they will be charging, it must be a hell of a lot as they say it will significantly increase the alledged debt.

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They cant add on ANYTHING unless the original agreement allows them to.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Actually, it is very rare for an original agreement to specifically state that if the debt is sold that the new owner can levy whatever they like.

 

MMF know they are not allowed and use it as a scare tactic.

 

Remember, this company is possibly the worse DCA in existence at the moment and are bordering on criminal activity.

 

I wouldn't put anything past them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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Nothing for the last few days, and today this email has been sent, can they issue default when the amount is incorrect.

 

 

Dear Mr

Notice of Instalment Default

Our Ref:

Account Details: Mr Lender payday loan

Debt Value: £623.56

It is noted with rergret that despite a number of attempts to contact you, you have failed to bring your instalment arrangement up to date.

 

Unless you contact us within 5 days to bring your account up to date or to reschedule your arrangement, then we will have no option than to place your account in DEFAULT.

Once in default, your account will be returned to our Collections Department and thereafter onto the Home Visit Schedule.

Please act now to contact us and resolve this matter before it is too late. Our operators are ready to help.

 

We look forward to hearing from you.

 

Yours faithfully,

MotorMile Finance UK Ltd

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Its a threat letter designed to mislead you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Nothing for the last few days, and today this email has been sent, can they issue default when the amount is incorrect.

 

 

Dear Mr

Notice of Instalment Default

Our Ref:

Account Details: Mr Lender payday loan

Debt Value: £623.56

It is noted with rergret that despite a number of attempts to contact you, you have failed to bring your instalment arrangement up to date.

 

Unless you contact us within 5 days to bring your account up to date or to reschedule your arrangement, then we will have no option than to place your account in DEFAULT.

Once in default, your account will be returned to our Collections Department and thereafter onto the Home Visit Schedule.

Please act now to contact us and resolve this matter before it is too late. Our operators are ready to help.

 

We look forward to hearing from you.

 

Yours faithfully,

MotorMile Finance UK Ltd

 

I suggest that MMF Ltd is purely trying to deceive here the account was properly defaulted by the original creditor, misleading you into believing that this 'imaginary' default is a serious matter, which of course it is not.

 

Send the following by return e-mail:

 

FAO Mr. Rob Sands

Director of Compliance

MMF Ltd.

 

Dear Mr Sands

 

I refer to an e-mail dated xx xx xxxx in regard to an account with Mr Lender.

 

I note that MMF Ltd now claims it will place the account ''in default'' an odd statement considering the account was defaulted by the original creditor on xx xx xxxx, meaning that no further default can be placed on this account, this would appear to be a deliberate attempt to mislead me into believing an action will be taken which in fact cannot happen, a breach of OFT Guidance.

 

I notice that MMF Ltd also claims that the account will ''be added to the home visit schedule'' please take careful not I will not deal with any financial matters with any agent, representative or employee of MMF Ltd, also I have no desire to make an appointment for any such person to visit my property and all permissions implied or explicit to visit my property are withdrawn

 

I am aware that MMF Ltd have stated in the past that the 'restrictions' set out above do not apply to it, I

am sure that MMF Ltd realises that that proposition is nonsense.

 

Any such visit will lead to the 'visitor'' being invited to leave the property or be removed.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Top marks Brig, do you know the email address for Mr Sands ? have got few but they are the monkeys

Hello Ro, To get a result with this personally I would recommend using RM recorded delivery e-mails

are ignored more often than not:

Never sure if e-mails get to the named recipient or just into a general pile marked ignore:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I wrote to Mr Sands regarding telephone harrassment and the fact that MMF rang my work a

nd told the switchboard operator I was in debt and that was why they were trying to contact me

and could they pass on to me that 'Mike' (the phantom collector) was going to be calling at my house!

 

Mr Sands wrote back to say he would review my complaint and would replywithin 50 days. That was 138 days ago!!!

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Hope you have informed the OFT. This company has gone downhill fast since Mr Sands gained employment there.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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