My recent MMF experience

[jamiemate77]

Hi, this company ring me most nights, email me and call threatening an agent to come round. I am currently on jobseekers and i tried to reason with the company who wanted at least £80 a month towards a £400 bill. I live with my parents so most of my money goes to them who are also struggling. They have rung my parents house asking for me and my parents are going mad because they wont tell them who they are or what they want, only demanding that they will be visiting soon, im getting sick of this and wondering why they are allowed to book appointments to our homes without permission, and will also set deals of £80 paybacks a month to the un employed, can anyone help me with what to do as im loosing my patience. Thanks

[mr_mastiff]

Hi jamie welcome to CAG, First rule do not talk to them on the phone EVER.

 

Send the letters in the guide below to MMF to stop the telephone call to you and your parents and the threat of door step visits.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387651-Letter-to-send-when-you-are-being-harrassed-by-Telephone

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit(1-Viewing)-nbsp

 

Next what are these debts? were do they originate from.

 

Have you been sent a letter by the original company stating that they have sold or passed on the debt to MMF

 

the more detail you can give the more we will be able to help you.

[jamiemate77]

hi thanks for the reply and useful stuff, its a payday loan from somewhere or other, the company mmf have not sent anything regarding this, they have only bombarded the phone, when my dad asnwered they were rude and insisted on talking to me, so i had no choice as its my mum and dads house and i dont want them coming as much as my parents do.

[mr_mastiff]

Send the letters, If they ring simply state by letter only and put the phone down. Do not deal with them by phone. You need to find if MMF have the legal right to chase the debt give me a couple of hours and I will post up what to do next.

 

If they turn up at your door tell them to go away do not not talk to them, if need be call the police. Be very firm.

[mr_mastiff]

Jamie make sure you send the letters by recorded delivery.

 

You have said that neither the loan company nor MMF have sent you proof that the debt as been assigned to MMF. You now need to get them to prove that they legally hold the debt.Send the following letter.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387504-Letter-to-DCA-requesting-confirmation-of-Assignment

 

Get back to us when you get a reply.

 

Your mum and dad must take action against MMF and write a formal letter of complaint (make sure the letter as formal complaint at the top) to the gentleman at the address below.

 

Mr Rob Sands

Director of Compliance MMF Ltd

 

Registered Office Sanderson House, 22, Station Road, Horsforth, LEEDS, West Yorkshire, LS18 5NT

 

He must state that the telephone calls are harassment and they must stop with immediate effect or he will make a formal complaint to the OFT and ICO

 

You must explain to your dad and mum that these have no legal right to ring you or visit you. If they ring just state by letter only and put the phone down. My son as the same problems with MMF and if your dad does not take firm action then this harassment will continue.

 

Let us know when you get replies to your letters.

 

Remember DO NOT DEAL WITH THESE PEOPLE BY PHONE.

 

Could one of the more experienced members of the forum check to see if I have missed any important details.

Edited October 25, 2013 by mr_mastiff

[jamiemate77]

Hi thanks for the info, i will do this as soon as possible and let you know the result.

[Dalriada]

I'm new on here and just been reading about MMF as they are very persistant in their calls and emails to myself of which I ignore all calls and emails. I may have recieved post from them which I've shreaded and blocked the calls and texts I get off them and also blocked there emails but earlier this evening I think they may have ramped it up a little and someone called at the house. Would it be best if I log all phone calls, texts and emails especially those they send after 10pm?

[mr_mastiff]

I'm new on here and just been reading about MMF as they are very persistant in their calls and emails to myself of which I ignore all calls and emails. I may have recieved post from them which I've shreaded and blocked the calls and texts I get off them and also blocked there emails but earlier this evening I think they may have ramped it up a little and someone called at the house. Would it be best if I log all phone calls, texts and emails especially those they send after 10pm?

 

You need to send the letters in the above post to stop door step callers and telephone calls etc.

Keep a record of all calls etc.

What debts are they chasing.

How old are they? Is there any PPI or charges on the Debts.

The more detail you can give the more we will be able to advise you.

[Dalriada]

Thanks I'll get onto sending the letters.

 

I think the debt is around £250 owed to Mr Lender and its around 12 months old.

 

I've started keeping a record of calls as today I've had around 4 calls and 3 text messages.

[mr_mastiff]

Thats fine, Make sure you send the letters recorded delivery. I will see if I can get you set up with your own thread its less confusing that way.

[Dalriada]

Thats fine, Make sure you send the letters recorded delivery. I will see if I can get you set up with your own thread its less confusing that way.

 

Thanks, I've sent both letters recorded delivery. As it stands I have no intention to pay whats owed if they continue to use their "bullying, harrasment" kind of communication towards myself and others and until I actualy know they own the debt. I don't appreciate emails past 10pm and especially turned midnight. I don't appreciate a phone call followed by a text message. All of which have been logged.

 

If MMF feel the need to bully people into payment then it only shows what a shabby organisation it really is. Threats of a home visit, fine. I don't make threats only promises and if one of their home visits appears at my door they will be removed by force if needed.

 

When I took out the loan with Mr Lender I was in a totally different place mentally, I was at my weakest and juggling various payday loans. I defaulted on all loans but MMF have been the most aggresive in their tactics.

 

Makes me wonder what effects these tactics take on those who for one reason are not strong enough to bounce back and make a stand to bullies like MMF.