unheard of debt - motor mile finance

[Skolley1987]

I have received an email from a company called Motormile Finance, they say thank you for payments on my account and they wish to work with me on a manageable repayment plan.

 

I do not know of any debt with this organization.

 

I did , two years ago, have a lot of problem with debt - I was unemployed for a while and experienced quite extreme depressions, I got into a mess and made some bad choices. I did have two payday loans which I stopped making payments on - I had repaid the original amount but not all the interest. One was lending stream and one was my jar. I intend to contact them when I am able to get some sort of repayment organised.

 

What should I do about the email from Motormile? I have definitely never made any payments to this company and the email gives no details of any debt (amounts, or dates or anything) it just gives a reference number which I do not recognice, and my name.

 

thank you in advance for any advice

[dx100uk]

Typical rubbish from them

 

I've moved you to the mmf forum

 

Lots here on them.

 

It will be a pdl debt

 

Just remember

They are a debt buyer

So are not baillifs

And have no such legal powers

 

To put it bluntly...Willy waving to fleece money out of you

[unclebulgaria67]

I have received an email from a company called Motormile Finance, they say thank you for payments on my account and they wish to work with me on a manageable repayment plan.

 

I do not know of any debt with this organization.

 

I did , two years ago, have a lot of problem with debt - I was unemployed for a while and experienced quite extreme depressions, I got into a mess and made some bad choices. I did have two payday loans which I stopped making payments on - I had repaid the original amount but not all the interest. One was lending stream and one was my jar. I intend to contact them when I am able to get some sort of repayment organised.

 

What should I do about the email from Motormile? I have definitely never made any payments to this company and the email gives no details of any debt (amounts, or dates or anything) it just gives a reference number which I do not recognice, and my name.

 

thank you in advance for any advice

 

Yes it will be a pay day loan they have taken over. The reference to payments will be what you previously paid to the PDL company.

 

DO NOT contact them. You should have been sent a letter from the PDL company or Motormile giving you formal notice as to what debt had been transfered to Motormile.

 

Wait for them to send you a letter through the post with more information. You certainly don't respond to an email.

 

Is your current address showing on your credit reference record ? If you have moved, you should always make sure your Bank and other companies you have financial arrangements with, know your new address. This is to make sure thet cannot get sneaky CCJ's using an old address.

[Skolley1987]

Typical rubbish from them

 

I've moved you to the mmf forum

 

Lots here on them.

 

It will be a pdl debt

 

Just remember

They are a debt buyer

So are not baillifs

And have no such legal powers

 

To put it bluntly...Willy waving to fleece money out of you

 

thank you... so should I approach the two payday companies and try to sort out the debts I have direct with them? if they let me off some interest I can probably repay them in full in a lump sum... would they let me negotiate to get them wiped off my file?

[Skolley1987]

Yes it will be a pay day loan they have taken over. The reference to payments will be what you previously paid to the PDL company.

 

DO NOT contact them. You should have been sent a letter from the PDL company or Motormile giving you formal notice as to what debt had been transfered to Motormile.

 

Wait for them to send you a letter through the post with more information. You certainly don't respond to an email.

 

Is your current address showing on your credit reference record ? If you have moved, you should always make sure your Bank and other companies you have financial arrangements with, know your new address. This is to make sure thet cannot get sneaky CCJ's using an old address.

 

I am still at the same address, for a few more weeks. I am not aware of receiving any letter from the company or previous PDloaners, but I may have and thrown it away in fear when I was at my lowest :/ I did that with a few things trying to hide from them

[fkofilee]

Why not check Noddle? They usually have a marker on their somewhere.

[dx100uk]

paying the debt off to anyone will not remove any bad markers nor 'wipe the debt off' your file.

 

 

sadly if you have a default, its there for 6yrs paid or not.

 

 

name the companies please.

 

 

dx

[fkofilee]

He did name them.

 

Lending Stream and MyJAR - I suspect this might be LS as MyJAR have their own DCA company.

[Skolley1987]

i've checked Noddle, nothing on there relating to motormile. i contacted lending stream direct to ask for details of alleged debt & default, as they are thebonly ones listed there.

 

who are MyJar's DCA's?

[fkofilee]

Secure Recoveries.

[Skolley1987]

okay my latest noddle file I received today has two similar entries , one from lending stream & one from motormile. well they have the same start dates in 2013, both say default (no date for that on the motirmile one tho) and differing amounts. what should i do? no reply yet from lending stream

[dx100uk]

make no odds its listed twice as long as the default date does not change

[Skolley1987]

make no odds its listed twice as long as the default date does not change

 

but I would like to get the debt settled .. don't know how to go about this now, who to contact? The original loan was only for £200 and two get two defaults listed (that I am not even aware of getting) feels a bit harsh

 

Is there a standard letter I can use?

[dx100uk]

I understand you wanting to get the debt settled

but to what end do you think this will help you?

 

 

the defaults will be there for 6yrs regardless

 

 

dx

[Skolley1987]

I understand you wanting to get the debt settled

but to what end do you think this will help you?

 

 

the defaults will be there for 6yrs regardless

 

 

dx

 

well, as Ive never been issued a default letter, to my knowledge.. and definitely not from motormile.. i would like to clear up the impact in my credit file as much as is possible

[dx100uk]

There's no requirement to issue a dn to default you.

[renegadeimp]

well, as Ive never been issued a default letter, to my knowledge.. and definitely not from motormile.. i would like to clear up the impact in my credit file as much as is possible

 

Paying wont do anything to remove it. ALl that will happen is you just gave a DCA money for no reason.

[obiter dictum]

Motormouth have been plaguing me since 2012 by email threatening to hang draw and quarter if i did not pay up

 

Not once did i respond

 

Shame the accounts are statute barred, and anyway, removed from my credit files

 

Where motormouth is concerned, ignore them

[Skolley1987]

so I have had a look in detail at the two entries on my credit file, from Learning Stream and from Motormile.

They both have the same start due but different account numbers, default dates and amounts owed etc. Is there a standard letter I can send them to clarify what is owed etc? I was also under the impression that only one default be issued for a debt?

[Skolley1987]

There's no requirement to issue a dn to default you.

 

Really? how can I be issued a default notice twice for the same original account, on two different dates, and not be informed??

[obiter dictum]

The Motormouth default might be for a different payday loan

 

Start dates mean nothing with motormouth

 

They had a default for me dated 2012 when the account was from 2007

 

It was also a payday loan and they had it down as a student loan

 

You are correct only one default date, but as i have said, Motormouth are a law unto themselves with data accuracy. They tend to default when the get the accounts, not from when the original creditor defaulted.

[obiter dictum]

A default notice under section 87(1) CCA 1974 is issued if they wish to terminate the account unless the breach is rectified within 14 days

[obiter dictum]

87 Need for default notice.

 

(1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,—

(a)to terminate the agreement, or

(b)to demand earlier payment of any sum, or

©to recover possession of any goods or land, or

(d)to treat any right conferred on the debtor or hirer by the agreement as terminated, restricted or deferred, or

(e)to enforce any security.

[dx100uk]

why not send a CCA request for each one.

 

 

if you think they are the same loan

then a debt buyer cannot change a defaulted date

and cannot issue or mark your file either

 

 

all a debt buyer can do is update [or more accurately 'replace' their name, where the OC's was]

 

 

dx

[Skolley1987]

why not send a CCA request for each one.

 

 

if you think they are the same loan

then a debt buyer cannot change a defaulted date

and cannot issue or mark your file either

 

 

all a debt buyer can do is update [or more accurately 'replace' their name, where the OC's was]

 

 

dx

okay thank you I will do that. should I ask for copies of the default notices as part of that?