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Dear All

 

I've been reading the various forums regarding this company from afar for the last few days. I have two payday loans which have been passed to MMF on 13 February and so have a personal interest. To give some background, I worked for a debt management company for ten years and so have relatively strong knowledge of the tactics employed by DCAs. This company seems to have stooped to new levels in terms of blatant disregard for acceptable debt collection practises.

 

This morning I emailed the OFT summarising the complaints highlighted in this forum in the various threads. I have asked them for advice on the best way to proceed with key questions as to whether it is 'safe' for me to (1) communicate with them and (2) send payments to them.

 

To be very clear, I want to pay my debts back, but at an affordable rate and in the knowledge payments will reduce my debts. I expect this will be the same for most people who are experiencing problems with MMF.

 

I will try to upload the email I sent to the OFT onto this thread for evidence of action - my simple request is that all of you people who are suffering at the hands of MMF take action and register the Complaint with the OFT - it is a numbers game, the more complaints they receive, the more they will listen!

 

I would ask anyone who has made a complaint, or is considering doing so, to post on here.

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I have complained to the OFT about this cancerous bunch of muppets, I have also been in contact with my MP who has written to them regarding their illegal and intimidating practices which breach every rule laid down by the OFT.

My own actions have included a letter which revokes any implied right they may have had to call at my home without an appointment, I have also informed them that communication with me is to be only by letter, no phone calls or texts and that any breach of this instruction will result in a harassment complaint made to the police.

My MP has informed me that he will be in touch with me when MMF reply to his letter, I doubt they will reply as they have form for not replying to anything.

Their operators are unreasonable and will pressure you into setting up an unrealistic payment plan over the phone and require you to leave your debit card details which they will use to empty your account. If you are planning on paying them set up a standing order at your bank with an amount you can afford.

Under NO circumstances give these low life's any bank or card details.

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Thanks for the response Mark.

 

My primary concern is that I want to repay my debts, but how can we trust that any money sent to them will be allocated to the balance? I've outlined this and other concerns to the OFT in my email and will update the thread on any response I receive.

 

I truly believe that there needs to be a focus on following through with complaints to encourage action - I'm worried most people are not doing this and are focussing too much on trying to reach an arrangement directly with MMF.

 

Does anyone have experience of MMF's approach when their debt is included on a debt management plan? Are they more or less responsive/open to arrangements if so?

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I would think that if you set up a standing order each amount paid every month will be shown leaving your account on your statement. If MMF then decide not to knock the amount off and still harass you for money ignore them, complain further to the OFT and let them try and take you to court as you can provide an audit able paper trail that shows regular payments.

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I would think that if you set up a standing order each amount paid every month will be shown leaving your account on your statement. If MMF then decide not to knock the amount off and still harass you for money ignore them, complain further to the OFT and let them try and take you to court as you can provide an audit able paper trail that shows regular payments.

My complaint to the ICO and the OFT is that MMF are willing to retrospectively falsify notices of assignments. I was able to prove this because the fabricated NOA they sent me had my current address. At the date they claimed to have sent it they held a different address. MMF claimed in an earlier response to my complaint that they had purchased a debt from Mackenzie hall who had given an old address. They said that they had received my current address from call credit when they checked my file. The date that they claimed the NOA was sent was prior to MMF obtaining that address. Schoolboy error.

A few years prior to that MacKenzie hall had claimed HFC Bank had sold them the same debt. When asked to prove ownership of the debt MH could not provide their assignment letters and closed the case accepting that they could not show they owned the debt. How could they possibly assign something they did not own. Incidentally the HFC debt was never owed. I have received a hundred pounds and apology from MH but MMF have no integrity and are prepared to blatently lie and deceive. I have kept the paperwork in case the ICO or OFT ever feel inclined to do something positive. Its a numbers game. I urge people to complain to their MP the OFT and media. These practice's need stopping

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MMF are currently trying to get me to pay a statue barred debt from 2007, like a couple of other people I have seen, so far they only seem to be bending the truth to their own ends.

 

If you could advise if there is a reference number or something to put on our complaints to the FOS please let me know.

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