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    • Hello,

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MOTORMILE FINANCE LTD - Your Help Needed


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These bottom feeders have made my life a misery for nearly two years.

 

Threatening all sorts, regarding a debt they cannot substantiate that I owe, or that they have the right to pursue.

 

Sending me texts at all hours of the day and night (Numbers used: 0113876876, 07702873672, 07508602760, 07950474410, 07940505548)

Letters and texts stating they were coming to value my possessions and to seize a vehicle that I last owned in 2008

and that if I paid up without querying the debt I could qualify for a discount!

 

After months of threatening to arrive unannounced they did turn up on my doorstep at 16:30 on a Saturday afternoon,

before speaking to me their goon started discussing my financial circumstances with my landlord!!!!

 

I refused to speak to him other to tell him I only deal in writing.

 

He insisted I sign for delivery of a large white envelope,

I had to print my name and put an X in the signatory box which made him become quite threatening

because I wouldn't give him a specimen of my signature.

 

Finally after nearly two years of harassment I thought it was all over,

but now Motor Mile Finance are texting me about someone else's debt.

Calling me Mr $$$$$$$ in all these texts, where that is a million miles away from my name.

 

Problem is, I would love to call them back and give them a rocket about sending me someone else's financial details,

but I don't want them starting the harassment of me AGAIN !!!!

 

I would love to see these irresponsible and intimidating **** put out of business. Happy to help anyway I can.... JGH

 

any chance you could start your own thread [see below]

 

ans scan everything up

 

inc the text msgs?

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I've been sent numerous texts and calls at night all hours from these arch clowns, further i have emailed barryellenshaw at Protection Racket house, and have had sarcastic replies, also recieved photstats of debt data for debts transferred to them (all payday ones, yet funnily enough i never had ANY letters from the payday companies advising me that the debts have been sold as a 'bad debt bundle' which is what MMF**kwits do.

 

Further, my EMPLOYER was cold called one day, and the matter of MY personal debts were freely given and they wanted to speak to me urgently, breach of DPA, also threatening letters advising me that if i feel the debt is not mine then i need to 'go to the police' (i'd love to Barry E. trust me) the texts stopped and so did the calls but they said they'd place recovery on hold for 59 days or so (odd amount) and then start due process of harassment again, nothing so far.

 

I have the debt date they sent me and some letters, if anyone needs copies of the letter/s i can scan them.

 

I want these b******s shut down, any CCA licence REVOKED period, and prosecutorial action from TS and any other govt. body with a vested interest in clearing out the pond of these low life vicious, thugs-r-us loan sharks. I want to see protection house raided by cops, evidence collated and JAIL terms for the directors, Barry and his buddies, the whole lot. i'll happily give up free time to offer evidence against these **** sucker.

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Hi Thank you, please send the data to the e-mail address shown in post 19#

There is no need to redact data as it will NOT be posted on the open forum.

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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Hi,

I hope this helps -

http://www.consumeractiongroup.co.uk/forum/showthread.php?376215-MMF-Wage-Day-Advance

 

It's my thread relating to the joys of WDA & MMF, I havent heard anything from them since what has been posted on the thread.

 

They have recorded a default against me in Dec 12 but I have never recieved a default notice from them or WDA.

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Hi avfc thank you all information is valuable in this process.

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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Hi, both my husband and I are having dealings with this company. I have all the letters and emails from them. However, how underhanded can they be?? They sent a letter addressed to my husband, via his employer, so know his employer knows he has a debt o pay. My husband has sent a well worded email, to tell them, that they are breaking the law under the administration to justice act, but we have not had any response. Will be happy to supply you with any info you need, about this company.

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I got two messages on.my voicemail today. One referring to themselves as "doorstep collectors" and the other asking me to book an appointment to avoid the embarrassment of arriving unannounced. I also answered the phone at work and there was an automated message asking me to make an appointment or they would arrive at my home or work unannounced. This is all.despite me emailing ages ago asking them to contact me in writing only and stating I do not want a home visit and will consider this an invasion of privacy.

If I can find the emails then I will copy them in here. They call using numerous different numbers.

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I got two messages on.my voicemail today. One referring to themselves as "doorstep collectors" and the other asking me to book an appointment to avoid the embarrassment of arriving unannounced. I also answered the phone at work and there was an automated message asking me to make an appointment or they would arrive at my home or work unannounced. This is all.despite me emailing ages ago asking them to contact me in writing only and stating I do not want a home visit and will consider this an invasion of privacy.

If I can find the emails then I will copy them in here. They call using numerous different numbers.

 

Have you kept the voice mail ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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In 2010 I defaulted on a Pdl After they ramped up charges and refused a repayment plan of more than 3 months I put it into dispute. Shortly after I moved house forward 8 months and I received 3 letters from MMF. All addressed to me at my place of work Foolishly I didn't keep them. I ignored them because as far as I was concerned the acc is in dispute 3 weeks ago I receive a letter from GBP solicitors threatening legal action. Yet again addressed to my place of employment. Because my place of employment is a base only and I'm out based I only received these weeks after they were sent. Until they write to me at my home address I will not be responding to them

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Keep an eye out incase they try and sneak a ccj. Also you must report them to the oft for them contacting you at work. Don't ignore that.

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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Email received today. I get several of these every week!Formal NOTICE OF LEGAL ACTION: unless we hear from you within 7 days on 0113 8876876.

 

We will rely upon this SMS when legal costs arise. MMF Ref........

 

Are they charging me for every text they send.

 

I wish they would take me to court.

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Got this email on 25th June.

 

Dear

 

NOTICE OF LEGAL ASSIGNMENT OF DEBT

 

Our Ref: M...........0 Express Finance (Bromley) Ltd t/a Payday Express Debt Value: £635.00

 

We hereby give you formal notice of legal assignment for the above debt.

 

Your debt has been assigned to MotorMile Finance UK Limited (MMF) from Express Finance (Bromley) Ltd t/a Payday Express.

 

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.

 

Call NOW to benefit from this offer.

 

Please contact us as a matter of urgency to resolve this matter, where one of our operatives will be happy to assist in finding you a solution:

 

Tel 0800 996 1103 Please quote your reference M........

 

This matter is not going to go away and we need to discuss how to resolve the matter before your account is passed to our Home Visit Department.

 

We look forward to hearing from you.

 

Yours faithfully,

 

Doorstep Collections Dept MotorMile Finance UK Ltd.

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they also have a new address!!

 

Head office and accounts

Protection house

83 Bradford road

Leeds

LS28 6AT

 

I can not find that address listed anywhere as a trading address for them but stand to be corrected.

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I got a lot to add about these muppets. I think the worst part is phoning me at work with an automated message. I sent an E-mail to OFT earlier this week explaining the problems with them refusing to answer emails and letters and asked OFT if they have a Credit licence and telling them that I WILL have MMF in Court to explain their un-lawful collection methods to the Court. I think the best one is the ONLY time I spoke to them I went through the in writing speil and all he said was "We don't do letters" I replied "I don't do phone calls" he kept going on and on so I started singing down the phone. My daughter was having fits of laughter.

 

OOO ANd they have breached the DPA :) Bit suss I think, Message they sent (I have kept them all) Message for Miss Stuart Tucker. Please contact blah blah, hmmmm Stuart Tucker?? Possibly the PDL they used didn't perform a credit check?

Edited by mrmarmite

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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If there are any letters/emails that people would like to contribute - could you please send them to the following email address :)

 

[email protected] (no spaces)

 

Thank you :)

 

 

Done and sent :)

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Everyone Please Send ALL COPIES ETC TO THE E_MAIL ADDRESS IN POST 19# FOR COLLATING: THANKS TO YOU ALL!!!

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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Thanks for that info BRIG will get mine done for you at the weekend.

 

just when you need your scanner it packs in lol.

 

so need to dig out my backup.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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This thread is dedeicated for the collection of data/copies of letters and e-mails etc from mmf which going to be used for a ''mass compliant'' to the regulators regarding the conduct of mmf:

if anyone has a current problem with mmm please start a new thread im the debt collection forum (mmf ltd subsection)

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 think people just need to vent. Maybe people should start their own thread as there seem to be some misconceptions about.

 

 

misconceptions about what, Annie ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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hopefully brig has my E mail showing how silly they are and how unenforcable these sold debts can be. I was very dubious in paying them the small amount in the finish because of certain financial indicrepancies (think thats how you spell it LOL) of one director and was worried that my little financial glitch was going to be used to clear his credit rating instead of payin g my teeny tiny debt.

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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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