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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mmf hassle


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Evening all.

 

I have been constantly harassed by mmf to the point that I have had to change my phone number

after receiving 3-4 text messages per day and constant phone calls.

 

They took an age to start writing to me but I finally have something in writing inviting me to make an appointment with them.

 

The alleged debt is from wageday advance.

 

I have no intention of making an appointment with them or telephoning them

as I have read that everything needs to be in writing.

 

I have seen on another website that states if I choose I can simply refuse to do business with them

and ask them to refer the alleged debt back to to the original creditor. I am not sure though if this is an American policy or not.

 

my question is

do I have the right in the uk to write a letter and state the above?

 

Thanks in advance.

 

By the way I have every intention of paying the alleged debt but not to mmf as they are absolutely the pits.

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MMF are the lowest of the low. There are literally thousands of people being harassed just like you are. Hold tight and hopefully Brigadier will pop in and give you an excellent letter to get them off your back.

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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Another question I wanted to ask was I have been looking over old emails from wda. I have managed to find my loan agreement but can't find the credit agreement. Could someone explain to me what the difference is please. Sorry if this question seems obvious.

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Credit agreement would be the app form, plus terms and conditions of the loan. Loan agreement is basically them telling you that youve been accepted, and the conditions of which the loan is governed.

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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Hmm, I am assuming from the lack of replies that I may well have no choice other than to deal with these people. From what I have read about mmf there is no way on earth I want to give these people my banking information...anyway

 

Please could someone point me in the right direction for a good template for income and expenditure and also any guidelines on how little you are allowed to allow for things such as food.

 

Also after an 8yr relationship my significant other feels ready to actually live with me. ;). When this happens I take it I will have to include his income as well. Is this correct?

 

Thank you x

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Dont fall for their threats. They dont care about you at all. They only care about money. Hold tight and hopefully brig can advise a letter to deal with the harassment and threats. He regularly checks this forum so hang tight

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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Hi blingbong

 

Please hold tight and I will see if I can get someone to assist you with this as not really my area of expertise.

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.

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Please be aware that all caggers that advise are volunteers and have day jobs, families etc.

 

MMF are well documented on the forums, so a quick look round other threads, should provide you with information on what you need to do.

 

Income & Expenditure form attached below.

 

 

 

Ellens Budget Sheet.xls

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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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Sorry :( just confused and scared tbh. I had a really nasty experience with a marston bailiff last year which has left me unable to trust. I found a lot of information on mmf but I can't find anything that says if I am able to get them to refer back to original creditor. I know everyone gives up thier time to freely advise. I just felt like I was being ignored. I realise that is my feeling. X

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MMF are NOT bailiffs. At all. Nor will they ever be.

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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I do understand how you are feeling. I think there are many other MMF threads with pretty much the same issues.

 

I will have a rummage and see if anyone can pop in and give you some advice.

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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Have sent some S.O.S out for you and the imp will be able to help as well.

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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I rather suspect that if the account has been transferred then you might not be able to have it returned.. although did I not read on another thread that there is some connection between MMF and the PDL companies.

 

Rest assured they ARE NOT bailiffs and cannot simply turn up on your doorstep.

 

Were you in a payment arrangement with the original creditor prior to MMF getting their stikky mitts on the account ?

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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Hi Looking in as requested.

 

I would like a little history of the debt please, date taken out, amount of loan, how much has been paid already, and any information on the tone of and type of contact from MMF, what sort of action are they threatening please?

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

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  • 2 weeks later...

Hi all

My situation is this: had a quick quid pdl in December 2008 I had some financial difficulties and emailed them to arrange a payment arrangement. I sent lots of emails and had no reply from them then I had an email saying they were passing to debt collectors. Had a few emails from one debt collectors but no letters then all went quiet.

I was being chased by MMF for a different pdl that was written off and contacted the company that said a mistake had been made so MMF stopped and straight away began chasinge for the quick quid one!

I have set up a debt management plan through step change and yet MMF still persist on pestering me day in day out. I've had messages about Mike the doorstep collector coming and they call from mobiles and different landline numbers 3, 4 or sometimes 5 times a day. Then there's the texts. It's all getting a bit annoying now and I feel like I'm being harassed. It's non stop every day all day. Phone calls, emails, texts and messages. Is this right? Please help they are really getting me down. Can anyone provide any help??

 

Thanks in advance.

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