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MMF default registered 1July 2014 - help please


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Hi I would be grateful if someone could help me with motormile. I've posted about them before as they were harassing me at work , leaving messages on the directors voicemails disclosing my name and why they were calling and sending emails threatening to visit me at home etc. etc.

 

I've had nothing in the post from them at all just emails to an address I don't use much anymore and check now and again. The messages simply said 'Please call MMF immediately to arrange a home visit' or telling me someone would visit me as I had ignored all attempts to resolve. I replied to all the above , wrote to Rob Sands, spoke to a 'Barry'and a 'Pat' via email. I told them I acknowledge no debt to them, told them I revoke doorstep visit , accept written correspondence only and under no circumstance will I tolerate calls to work. I sent all the recommended letters by email and had acknowledgments. I told them I wanted to make a formal complaint and sent fao compliance , I was contacted by 'Pat' from 'customer relations' who said I needed to provide my full name address and date of birth so that they could 'prove my email address was secure ' I told them I wasn't providing this information as they hadn't been bothered about security and data protection when calling my boss ! and when emailing me before. I had no further contact from them.

 

I subscribe to all 3 credit reference agencies and monitoring services . I have no outstanding debt or defaults that I am not paying or have not settled. I have 2 defaults that I am paying which drop off my file next month as my debt problems started 6/7 years ago after relationship breakdown and I've worked really hard to sort out my finances correct errors on my credit files and pay off any debts. MMF have out of the blue slapped a default on my credit file. To clarify , it's a new default , reporting started 1 July 2014 and they have stated the account defaulted July 2011. There was no previous default to the original creditor so they haven't taken over reporting. I've received no pre default notice or anything and had told them I didn't acknowledge any debt.

 

How can I deal with this - I know MMF think they are above the law and can do what they like to try and recover money. I'm worried as I'm left with a default for 3 years which I really don't want.

 

Thank you -advice very much appreciated.

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