Help with MMF

[benji-bobs]

Hi Guys,

 

I've been reading the various threads with interest as I have been receiving emails from MMF in relation to an alleged debt to Quick Quid that I believe they purchased from gothia. A default was registered by Gothia on 04/10/10 and their account was marked as satisfied with a debt assigned marker for the last entry in July 2013. I have never received any correspondence or contact from Gothia or Quick Quid prior to the debt being sold. I wasn't even aware that a default had been logged until I received the emails from MMF and checked my credit file.

 

I have not responded to any emails including ones threatening doorstep visits. However in the last couple of weeks I received an email regarding November "special offers" and in the last week or so I received an email entitled County Court Action:

 

xxx: you have chosen not to contact MMF. Your account is being assessed for legal action. Call 0113 8876876 to discuss a solution. Ref: xxxxx

 

I have not received anything in writing, the only contact confirming the creditor and debt amount was the November special email referred to above. However, I moved house after the debt was defaulted by Gothia and am concerned that MMF may have sent notice of assignments or even visited my old address.

 

I am not aware that I owe this money, I have had payday loans previously but I am sure that they were repaid in full.

 

I would like some advice as to how to proceed as I am currently looking at buying a house and further damage to my credit file would make this difficult.

 

Any help would be appreciated.

 

Thanks.

[rippedoff15]

first thing is never call them over the phone, write asking for the proof if debt, include a letter refusing door step visit as well.

 

my issue with mmf is 100% the same as you the old qq debt gothia now mmf, you must report to oft, fos and cab as well.

 

they have been chasing my debt for 6months so far no visits just threats mark your letter to rob sands keep reading threads as their are letters you copy etc

 

cheers

[BRIGADIER2JCS]

A CCA request to MMF asap. Template in CAG library.

 

Address as follows

 

Private & Confidential

For the Personal Attention of:

 

Mr Rob Sands

Director of Compliance

MMF Ltd.

 

Include the phrase ' I do not acknowledge any debt to MMF Ltd or any company it may claim to represent'.

 

use recorded / signed for post.

[benji-bobs]

Thanks for the replies guys.

 

One of my concerns about giving this company my current address is that they then turn up on my doorstep, I know that they can't do anything but it would cause a scene.

 

Would it be best to send a CCA letter and a letter refusing doorstep visits? Or am I being silly in thinking that they don't have my address and they have simply chosen not to write to me yet?

 

Thanks

[benji-bobs]

Hi guys,

 

I've used the CCA template to write a letter and would like someone to check it before I send it. Is there someone that I could pm it to for checking prior to sending?

 

Thanks

[citizenB]

private message it to me if you wish - just click on my name at the left and it will take you to my profile, where you can then just click on "send message"

[benji-bobs]

Hi again,

 

I don't seem to have permissions to send a private message. Is there a limit as to a minimum number of posts before I can send a pm?

 

Thanks

[benji-bobs]

I thought there was a limit of 5 but I still cannot send after this post.

[renegadeimp]

I think its closer to 10-20. Sit tight and perhaps theres an email you can send it too.