MotorMile e-mail

[Cerberus54]

Dear Mr.................

HOME VISIT- Pre-Appointment Notice

Our Ref: ..........

Pounds Till Payday - Payday Loan

Debt Value: &poun d;838.88

We note that we have not heard from you in response to our earlier communications.

Your file is shortly scheduled to be transferred to one of our Home Visit Divisions.

 

We are happy to try to resolve this matter without conducting a Doorstep Visit and would ask you to contact us by telephone or email to discuss repayment terms.

 

Please note that if we do not hear from you, then you will be visited to assess your personal circumstances with a view to passing your account to our Legal Department.

 

We would, lastly, advise that if you are able to make a lump sum settlement offer, then we would be willing to allow a 25% discount on the outstanding balance and to waive the default costs and interest that have not yet been added to your account balance.

 

Please contact us urgently on 0113 887 3868 quoting reference..........

Unless we hear from you within 5 days, then your account will be prepared for transfer to the Home Visit Division.Yours faithfully,

 

Doorstep Collections Dept.

MotorMile Finance UK Ltd.

0845 2418728 :Telephone

0113 8873868 :Local

0808 1686912 :Freephone

[Cerberus54]

this is the 3-4th Email sent by this company..... ever time I emailed then back they just sent another asking for my debt to be settled .... now they have sent this one threatening a home visit..... this particular debt was being dealt with by a debt management plan 3-4 years ago and in that time have not had anything from payday loans saying I needed to start paying it back.

 

 

what are my options? im on a very low wage and im sure the amount was for £500

Many thanks

[Cerberus54]

As I will re-iterate.. you have NOT explained what the alleged monies are until this particular e-mail I HAVE replied and you have NEVER explained the issue ... you are NOT welcome to visit & any visits WILL be passed to the police as trespass & harassment and trying to obtain money with threats.

 

 

this is the E-mail sent in reply to their demand

[renegadeimp]

Ignore it completely. MMF do not follow the law and think they are immune to any regulation or rules. If you want to put ina complaint, do not phone them, do NOT email a random customer service email. They obviously dont have your home address and for all they know, the email could be defunct,

 

The complaint must be in writing and sent via recorded delivery to ' Rob Sands - Compliance Director' Mark the envelope private and confidential and send it to their registered address, not a PO box.

[Cerberus54]

Many thanks for that ... . is there anywhere I can look for an appropriate response by registered post?

[BRIGADIER2JCS]

Many thanks for that ... . is there anywhere I can look for an appropriate response by registered post?

Dear Mr Sands,

 

 

I refer to a number of e-mails from MMF Ltd., alleging that it has acquired a debt relating to xxxxxxxxxxxx, please note I do not acknowledge any such debt.

 

 

I am aware of MMF Ltd., and the "threats" of "home visits" etc., please be aware that:

I will not make any appointments for such visits, and I do not discuss financial matters with unknown individuals.

 

 

I will communicate only in writing via Royal Mail, no further e-mails, phone calls or text messages will be replied to.

 

 

I am also aware that MMF Ltd., claims that such requirements do not apply to it this is of course totally wrong.

 

 

RD check delivery.

[Cerberus54]

Hi!

Many thanks for that... been busy last few days.... guess what E-mail appeared today?

 

 

Dear Mr

TRANSFER TO HOME VISIT DEPARTMENT

Our Ref:

Pounds Till Payday - Payday Loan

Debt Value: £838.88

 

Your file has now been passed to the Home Visit Department and a Doorstep Collection Agent will shortly be instructed to attend your property.

 

The default will be registered with all 3 credit reference agencies in our month end report.

 

If you wish to prevent this registration, contact us to accept one of the following offers:

 

- Payment of the debt over monthly instalments.

 

- A substantially discounted payment in full and final settlement of the debt.

 

Contact us NOW before it is TOO LATE: 0113 887 3869.

 

If we do not hear from you the default will be registered at Experian , Equifax and CallCredit and this will make it difficult for you to obtain credit now and for 6 years.

Yours faithfully,

Doorstep Collections Dept

MotorMile Finance UK Ltd.

0845 2418729 :Telephone

0113 8873869 :Local

0808 1686913 :Freephone

[citizenB]

Head your next letter email - FORMAL COMPLAINT.

 

Advise that you are no longer willing to play email ping pong with them. You want your complaint resolved else you will escalate to the Financial Ombudsman and the Financial Conduct Authority.

[Cerberus54]

Many thanks for that .... will see what happens next

[Cerberus54]

And the winner is..... this gem this morning

 

 

 

 

Please contact MMF on 01138 876 876 to pre-book a Home Visit appointment, otherwise our doorstep agent may have to arrive unannounced. Ref: .......

 

 

They have been warned that any visit will be reported to the police as harassment, and will not be allowed on the property.

[fletch70]

Just a note

Rob Sands no longer works for MMF

 

As Citizen B says you need to make it a formal complaint.

I have done this by email to Neil Petty and Barnabky Page who own the company . Email addresses are [email protected] and [email protected] (or [email protected] I use both)

I wrote a letter without putting my address in it . I used a combination of the prove it letter, harassment and threat of doorstep visit and added further details about their conduct.

Part of the CSA code of conduct says they must not put any details in an email until it has been agreed , so if the email is telling you who the debt is with and how much that is against that code and also in my opinion against DPA (for example many couple share an email address , certainly my parents did as do their friends)

Another part of the guidelines say they can not turn up unannounced (but they could write and say we are turning up at XXXXX)

 

As part of my complaint I included the following

As part of the evidence of liability I would need both the notice and Deed of assignment . I refer you to Van Lynn Developments v Pelias Construction Co Ltd 1968 and Webster v Ridgeway [2009] ELR 439

They are two court cases that say I have the right to see the deed but gives them the right to redact the sensitive information such as the price paid

 

Once the formal complaint has gone in they have 8 weeks to respond (which might be difficult if they do not have your address) before you can take it to the Fos and also register a good complaint with the FCA.

[Cerberus54]

Hi,

Sorry for the late reply, hard drive decided to fail not been online for a while, thank you very much for the info..... not very good at stuff like this so all help appreciated. Is there anywhere on the site I can find hints & tips on putting a formal complaint together?

[Cerberus54]

Hows this sound?

 

 

 

 

Dear Sir/Madam

 

 

Ref account number .............

 

 

You have contacted me regarding the account with the above reference number, which you claim is owed by myself, I have no knowledge of any such debt being owed to Pounds til payday

 

 

I have familiarised myself with the Financial conduct Authority (FCA) consumer Credit Sourcebook which states the following rules:

 

 

“ A Firm must not ignore or disregard a customer’s claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customers claim is not valid”

 

 

“ A Firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds”

 

 

“Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner”

 

 

In not ceasing collection while investigating a reasonably queried or disputed debt you are using deceptive and/or unfair methods.

 

 

I have on a number of occasions asked for proof of said debt which have been ignored, a number of emails sent actually say what the debt is & who with, which I believe is against CSA code of conduct as well as the DPA, as nothing was agreed about said debt.

 

 

As part of the evidence of liability I would need both the notice and deed of assignment, I refer you to Van Lynn Developments v Pelias Construction Co ltd 1968 and Webster & Rdgeway [2009] ELR 439

[renegadeimp]

Head the letter FORMAL COMPLAINT. Put it in nice big red or black bold letters. This is so they are in no doubt that you want to start the 8 week countdown so you can get the ombudsman involved.

 

You also would never get to see the deed of assignment, and pretty much all judges and the regulators agree.

[SabreSheep]

You need to add the doorstep letter template stuff too. Its is harassment

[Cerberus54]

And this came through today, the letter to them obviously hasn't been read, hasn't got there yet .. or been "lost" and I don't think the email I sent has been read, or if it has, then they don't have any regard for it

 

 

 

 

Dear Mr

NOTICE OF LEGAL ASSIGNMENT OF DEBT

Our Ref: Pounds Till Payday - Payday Loan

Debt Value:

We hereby give you formal notice of legal assignment for the above debt.

 

Your debt has been assigned to MotorMile Finance UK Limited (MMF) from Pounds Till Payday - Payday Loan.

 

MMF is now the legal owner of the account.

 

All default interest and collection charges have been frozen from your account for 7 days. If the account remains unpaid after this time, we will add default interest to the balance which will significantly increase the debt.

 

Call NOW to benefit from this offer.

 

Please contact us as a matter of urgency to resolve this matter, where one of our operatives will be happy to assist in finding you a solution:

 

This matter is not going to go away and we need to discuss how to resolve this by calling our free phone 0808 168 6908, and quoting reference M2324397.

 

We look forward to hearing from you.

 

Yours faithfully,

Collections Dept

MotorMile Finance UK Ltd.

0113 8873866 :Local

0808 1686908 :Freephone

[fletch70]

Was that by email or post?

 

By the way there us nothing in the contract that allows for the addition of post default interest

[Cerberus54]

Hello,

That came by email yesterday afternoon, from what i've seen on this site I wondered about the post default interest.....

 

 

Also noticed that one of the numbers.. .the 0845, has been taken off the replies now.

[UKCA]

Looks like they are 'fishing' to me. We once had a customer who the above company wrote to all the members of the household (including a 6 year old) claiming they owed money for the same debt. If you can be bothered contacting them (and you have defo not borrowed the money) I would contact them and ask them to stop contacting you.

[BRIGADIER2JCS]

Looks like they are 'fishing' to me. We once had a customer who the above company wrote to all the members of the household (including a 6 year old) claiming they owed money for the same debt. If you can be bothered contacting them (and you have defo not borrowed the money) I would contact them and ask them to stop contacting you.

 

 

It is not phising the letter/e-mail is an Notice of Assignment of the debt to MMF as required when a debt is sold.

[UKCA]

It is not phising the letter/e-mail is an Notice of Assignment of the debt to MMF as required when a debt is sold.

 

I know that there are legal debates on what a notice of assignment actually is but if they are sending it by email and not a letter means they have no idea if this guy is the debtor. They're just chancing their arm. If the above knows nothing of the debt this seems likely.

[BRIGADIER2JCS]

I know that there are legal debates on what a notice of assignment actually is but if they are sending it by email and not a letter means they have no idea if this guy is the debtor. They're just chancing their arm. If the above knows nothing of the debt this seems likely.

That NOA is as accurate as it can be. Apart from the interest statement.

[UKCA]

That NOA is as accurate as it can be. Apart from the interest statement.

 

Lets be honest here, they sent the original email to loads of people and responded with the NOA to whoever got back to them in the hope one is the actual debtor.

[BRIGADIER2JCS]

Lets be honest here, they sent the original email to loads of people and responded with the NOA to whoever got back to them in the hope one is the actual debtor.

Did they???

[UKCA]

Did they???

 

Back in my younger days with Mac Hall that's what we done.