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Identity Fraud: MMF & Mr Lender (PDL Finance Ltd)

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Hi this is my first post, so I hope this is of use to someone like me.

 

I had contact from Motormile Finance UK Limited (MMF) first in June of this year, advising me of a debt (which I never took out) with Mr Lender otherwise known as PDL Finance Limited.

 

The debt I have learned was taken out in November of 2012, this i discovered from my Callcredit credit report which I applied for after discovering this information. MMF have stated that "..further to the communication from Mr Lender..."

 

I have yet to receive any communication from Mr Lender in relation to this loan to my home address, they appear to have just paid a loan to some fraudster, not confirmed by post anything and sold the debt to MMF some months later. What is worse is that after a couple of months communications by post and email (which they do not seem to acknowledge or respond to) I have to print out the email and post it to them (MMF).

 

This week I received a very short letter from MMF after I made an official complaint, advising me that the debt IS NOT FRAUD, and that collections activity will resume.

 

This made my blood boil and me feel quite sick to say the least. I do not have an account number (yet) from Mr Lender, which I have this week requested, as I am therefore referring this complaint to the Financial Services Ombudsman and they require an account number, I only have the MMF Reference Number.

 

The FSO told me that MMF will have to give the debt back to Mr Lender/PDL Finance Ltd and they will investigate and make an adjudication. I also have taken out CIFAS Registration to try and prevent fraud happening again.

Edited by citizenB
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Get actionfraud involved. Mmf think uk law does not apply to them.

 

Contact the oft and fca as well.


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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I've asked someone to pop into the thread when he has time. He has a lot of experience with mmf and may be able to help you get this sorted


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 Looking in as requested.

 

I'm going to draft a letter for you to put MMF on notice that they MUST properly investigate this matter and make fully reply.

 

 

Private & Confidential

For The Personal Attention of:

Mr Roberts Sands

Director of Compliance

MMF Ltd

 

Date:...................:

 

Ref: use MMFs

 

FORMAL COMPLAINT:

Breaches of OFT Guidance on Debt Collection.

Fraudulent Loan Application

Failure to Properly Investigate.

FOS Statement.

 

Dear Mr Sands,

 

TAKE NOTE this communication is made as a FORMAL COMPLAINT and MUST be fully answered within 56 days from the date hereon.

 

I refer you to correspondence from MMF Ltd dated xx.xx.xxxx, bearing reference No. xxxxxxxxxxxxxx., this is in regard to an alleged debt arising from a fraudulent account opened in my with 'Mr Lender' a 'payday loan' company.

 

I do NOT acknowledge any debt to MMF Ltd., I am not now nor ever have been a customer of Mr Lender.

 

Having made a previous complaint to which MMF Ltd have made no proper reply, not having explained of proved in any way that the alleged debt is not fraudulent, this FORMAL COMPLAINT is made prior to complaints to the regulators regarding the conduct of MMF Ltd and its fitness to hold a 'Consumer Credit Licence.

 

I refer you to the OFT Guidance on Debt Collection 2003/2006 updated Nov.2012 and in particular section 3.9 (j) (Deceptive and/or unfair methods [of debt collection]:

 

This clearly states that ' it is (unfair) requiring an individual to prove that he is not the actual debtor who owes an outstanding debt', as I have clearly and formally stated that I am not the debtor MMF Ltd seeks ALL collection activity WILL now cease.

 

The FSO has advised me that MMF Ltd should pass the alleged debt back to the creditor, the matter will be investigated and an adjudication made.

 

I also refer MMF Ltd to section 3.9 (k) of the guidance which It must be aware of given the companies unenviable reputation for ignoring guidance, regulation and legislation relating to debt collection.

 

For clarification and the avoidance of any misunderstanding MMF Ltd MUST not the following;

 

1. I name do not acknowledge any debt to MMF Ltd, and confirm that I am not now nor ever have been a client of Mr Lender PDL.

 

2.This account is fraudulent and all liability is denied.

 

3. MMF Ltd MUST return this alleged debt to the original creditor for investigation

 

4. MMF Ltd WILL cease all contact with me other than in writing by Royal Mail, (proof of posting is not accepted as proof of delivery).

 

5. I am aware that MMF Ltd frequently makes 'threats' of 'Home Visits' take note such visits are NOT acceptable, despite MMF Ltd claiming such prohibition does not apply to it, this is of course nonsense.

 

Mr Sands, this is a personal communication and I require your personal attention to this matter.

 

This communication is sent by RM record/signed for delivery, its receipt will be checked.

 

I suggest you copy this with a covering note to the Compliance Manager at Mr Lender as well.


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

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Hi,

I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream".

It was a lot of hassle at the time

( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up.

 

I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name.

 

"Let me just say that I have never ever applied or taken out any loan other that a mortgage for our home that is now fully paid off".

 

back in June 2017 I started receiving letters from MMF motormile finance now Lantern, stating that I owed them £250 for another loan from what turns out to be taken at around the same time as the other loans in 2012!

I phoned them straight away and explained what had happened.

But all this did was for them to send demanding letters on a weekly basis!

 

I forwarded the police action fraud crime number from 2012 thinking that that would be the end of the matter.

But all they do is keep sending me more demanding letters.

 

Are these people above the law or what!

They keep asking for very personal details e.g bank statements from 2012,

my national insurance number,

payslips,

photo id from a passport or driving licence.

 

I'm sure it would be reckless to send such sensitive information to a bad debt collecting company!

 

(Do they cover their costs by selling on this very useful and very accurate information to third parties?)

It would be very lucrative if they did as they would have all the information to take out a loan in my name!!

 

What's going to happen in another few years, Am I going to get demanding letters form another bad debt company??

 

As much I want to clear my name I am very sceptical about about how they would use that information.

I lay awake at night worrying myself to death, I am frightened about what they might do.

 

I have been to Citizens advice bureau who just say go to police action fraud! its bonkers.

 

If a company doesn't accept a police action fraud number and the evidence from the time of the identity fraud then they are surly acting above the law!

Edited by Ian-Do
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You need to create your own thread ian. You posted on a 5 year old one.


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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start a new thread


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