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Hi all,

 

Been a while since I posted, seems you forget so much if your not on here :(

 

So today I get an alert from Equifax that there is a new account on my credit file, when I go to have a look at this new account I find its Motormile.

 

I had no recollection of ever having anything from these or dealing with them, so I have done a little digging and oh dear I seem to have a bit of a problem on my hands.

 

I had a payday loan with Pounds Till Payday probably over 6 years ago, I reckon it's most likely statute barred but anyway, Motormile have been emailing my old email address which only by fluke I looked at and the emails have been going into my spam folder.

As for any mail, well I moved house over a year ago and even then I had no mail from Pounds Till Payday or Motormile, so no contact whatsoever.

 

As much as I hate to admit it, I don't even think I ever made a payment to them either, this was a long time ago and my mindset is a lot different now to what it was then. I certainly don't advocate taking out any kind of loan without paying it back.

 

Looking back through the emails I couldn't say how long I have been getting them for as my junk empties after so long and there is so much other rubbish in there if I hadn't recognised the name I'd have ignored them.

 

There is a plethora of Legal threats, Door Step Visits, Ones asking me to set an appointment time etc

 

What is the first step I should take here, I do reckon it's SB'd so should I fire off the SB letter?

 

Looking at a few other threads its seems these guys don't respond to emails, so is there an address I can send the letter to?

 

Cheers

 

Steve

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