Digital Financial Services chasing old speedcredit loan from 2012?

[luisedinho]

Total Due: £1243

 

 

Please be informed that your loan is still outstanding with Digital Finance Services UK for the above mentioned amount.

 

 

We have tried to reach you on 2 different occasions continuously both by email and over the phone.

We are disappointed that you have failed to respond any of our communications.

 

 

We write to advise you that unless we receive a payment of £1243 within the next 7 days

we will be left with no alternative but to issue court proceedings against you.

 

 

In order to avoid legal proceedings, we advise you to visit our website www.digitalfinancialservices.co.uk

and click on ‘PAY NOW’ section to make the payment for your loan.

 

 

Alternately, you may use our bank details and pay via faster payment, CHAPS or wire transfer service.

 

 

Our bank details are provided below-A/C: 43266351Sort Code: 406080

 

 

If we are forced to issue proceedings against you then we will also be claiming

interest, court fees and fixed solicitors costs on top of the sum outstanding.

 

 

The cost structure is provided bellow

-We trust the above will not be necessary and that we will receive payment of £1243 by 19th November 2014.

 

 

You are strongly advised to contact us to the provided contact details for any assistance

to arrange the payment.

 

 

Kind Regards,

 

 

DFS collection teamDigital Finance Services UK ltd

 

 

Phone: +44 203 026 0796

 

 

Email: [email protected]

[ScarletPimpernel]

What's your question?

[luisedinho]

Sorry forgot to add

 

 

-just got this out of the blue as spam.

 

 

Never heerd of or from this lot and have no idea what it relates to.

 

 

There is nothing on my credit file for that amount.

[ScarletPimpernel]

Digital Financial Services are linked to Speedcredit, a payday lender,

 

 

and the owners have connections to companies that had their consumer credit licences revoked.

 

These emails have been seen before and may be phishing;

 

 

we aren't aware of any court claims being issued.

 

 

In any case, if you haven't taken out a payday loan, and there's nothing on your credit record, ignore unless you get a court claim

 

 

, in which case come back for advice.

[luisedinho]

I might have taken one out with them but it would have been summer 2012,

 

 

tried a few back then but theres nothing on my Experian

 

 

-the only ones there are 3 for MEM

-2 settled 1 default being paid up and

 

 

1 for motormile being collected by lucas which is being slowly paid.

 

 

If I did go near speed credit it was nowhere near what they want.

 

 

I havent recieved emails/ calls that they claim,

 

 

no acknowledgement of ownership or any paperwork

 

 

-just this today.

[luisedinho]

Another concern I have is my job working with sensitive personal financial documents,

 

 

I'm just about to be taken on permanent and anything like a CCJ and definately bankruptcy would cost me

 

 

-someone lost a job over a default,

 

 

another nearly didnt get in because of a missed mobile contract payment

 

 

and I nearly lost my job before ( going back to same company)

 

 

because I was in a Scottish trust deed which was mis-reported as bankrupt but got cleared up.

 

 

after 14 months out of work and a year working my way to earning a job back

 

 

I dont want to be on the scrapheap again.

[dx100uk]

I seriously question why you are paying lucas/MMF?

 

 

biggest fleecers out there

 

 

dx

[mch1991]

You're worrying over nothing. Like you said, it's spam junk mail, personally I'd send it off to the financial conduct authority and file a complaint. They won't go anywhere near a courtroom, it's a balance that's made up of nothing more than unenforceable charges, no judge would entertain these bunch of fools.

[renegadeimp]

Wont stop them trying if they think they have a gullible person. personally i would notify the FCA, as there is evidence that this company may as well be speedcredit as its ran by the same people.

[mch1991]

Wont stop them trying if they think they have a gullible person. personally i would notify the FCA, as there is evidence that this company may as well be speedcredit as its ran by the same people.

 

Agree. I did some research and it's amazing how similar everything is with both companies. How they're still licensed by the FCA is far beyond me. The more people who complain, the better. Their website and emails look like it was drafted by a 10 year old.

[Maverick Man]

If you visit the website and go to the about section, they haven't even bothered to change the filler text. Really legit operation..............

[renegadeimp]

As long as the forms are filled correctly, the company directors dont have restrictions against them and the company can afford the fee, the FCA seems to allow anyone to get a credit licence to be a PDL.

[fkofilee]

Yes part of CIMS Technologies corrupt umbrella of misery...

 

I was contacted by one of those lot recently and they breached DPA straight off... Just ignore.

[luisedinho]

Theyre only getting £1 a month (lucas/ mmf) -still 1420 months to go.

 

 

I am only paying as I need to wipe defaults from my file.

 

 

I have given myself till may/ june 2016 to pay off the 4 lowest of the 10 defaults on my file valued at £84 (should be paid by end of this year),

£270, £430 and £460

 

 

while saving for a deposit as I need to get a more reliable car for my work commute.

 

 

From the kitty I have everyone else gets a pound while the lowest value gets the balance.

 

 

Since I got that email there has been silence but the main concern was the potential job loss if they did do anything.

[dx100uk]

paying debts with a default make no difference whatsoever

 

 

a default is there for 6yrs

Even IF the debt is PAID OFF in full OR NOT

nothing can get them removed

unless you find something wrong with it.

 

 

all you are doing by paying now is extending to statute barred date all the time.

 

 

if MMF have one of your debts

 

 

99% its bogus

 

 

just go read about them here

they even have their own forum

they are that much of an issue

 

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?339-Motormile-Finance-UK-Ltd

 

 

and fleece so many people

[luisedinho]

Been a while but looked at credit file-MMf/Lucas wanted £1422 but original debt was to Peachy for...£355!!!! they multiplied it by 4 so the £1 was all they got and all they will get......