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MMF - statute barred?

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Hi all.

I've received a lovely email & statement from MMF which reads as follows:

 

CUSTOMER REFERENCE: XXXXX

CURRENT OUTSTANDING BALANCE: £360.00

 

Dear Xxxx

 

We have been attempting to contact you and secure a solution to repay the above account for some time and have been un-successful so far.

 

In light of this and as the matter remains unresolved, we will now instruct our solicitors to commence recovery action.

 

If you prefer to speak with us and resolve this matter before this next step, our offer of help in finding the right solution still stands but you must act quickly to prevent this course of action by calling us today on 0113 887 6876.

 

If you prefer you can email us at customerservice@mmile.com.

 

If you are experiencing financial difficulties please be assured that our specialist team will be able to assist you.

 

Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future.

 

Please find attached your statement of account.

 

If we do not hear from you within the next 7 days we will be left with no alternative but to refer your account to Moriarty Law Limited.

 

Yours sincerely

 

Motormile Finance UK Limited (MMF)

 

Now as you will see from the attached statement the debt relates to 2010 & a company I've never heard of.

On the statement it also has a date of 24/11/2010 - Default Fee.

 

So that means the account defaulted 6 years ago - does this mean it's now statute barred?

 

Should I write back to them stating this, and that any further perusal will result in harassment etc etc?

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Send the prove it letter. Theyve already been reprimanded for this sort of thing.

 

If you dont know the company, dont send the SB, send the prove it letter. If they ignore it, then theyve messed up. Or you could send a prove it letter and say you dont know the debt, and if it was yours it would be SB anyway.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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sorry forgot the attachment (wont let me edit post)

 

Who are Northway?

Screenshot_20170115-191541.jpg

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send them bugger all

its a phishing email for mugs.

 

as long as the OC was aware of your CURRENT address

 

theres no need for you to do anything.


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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Sorry for renewing an old post..

email received from BPO "BPO Collections ("BPO") have been instructed by Motormile Finance to recover the outstanding balance of this account"

 

This is a joke, for a start MMF do actually have it on record to write to postal address - so is it a wait till postal receipt, or SB letter?

 

The email was actually sent to my shortened Christian name & surname - not what I'd use for official documents.

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what are a subsidurary of lowells DCA doing chasing an old MMF owned PDL debt?

doesn't made sense

who are BPO's client on their letter?

Lowell don't touch these ever as they are toxic debts....


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Customer is MMF

This is some of the email:

Our Client: Motormile Finance

BPO Reference No: xxxxxxxx

Original Account No: xxxxxxxx

Outstanding Balance: £360.00

21/09/2017

 

Important information regarding your Motormile Finance account - Please Do Not Ignore

 

Dear xxxxxxxx

BPO Collections ("BPO") have been instructed by Motormile Finance to recover the outstanding balance of this account which currently stands at £360.00. Motormile Finance have purchased this account from Northway. BPO can help you clear this balance and would like to speak with you to discuss your options. It is important to note that clearing your balance may help to improve your credit rating. Our client, Motormile Finance, has agreed that we can make the following exclusive offer to help you clear your account while making a substantial saving:

 

50% Discount offer. Subject to affordability, if you are able to pay £180.00, we will discount the remainder, meaning you will save £180.00. If you are unable to pay this as a one off payment please contact BPO to discuss your options, as we may be able to accept this settlement over a number of instalments, based on your individual financial situation.

 

 

Bottom of email says its from:

Graham Rankin (Signature)

Graham Rankin

Managing Director

BPO Collections Ltd

 

The reference number on here relates to what MMF purchased from Northway.

Looking on my archived Credit Reports, an Experian one (Ran 01/06/2014) appears the Default Entry for this debt by MMF, for £527 (£167 of charges) that has the account start date of 28/10/2010 and a Default Date of 26/11/2010. Default date coincides with the Default fee that appears in the statement (post #3)

 

By 01/09/2014 the entry has been removed.

 

Is it best to ignore or send the SB letter / email.

 

 

I think why this has reared it's head is due to myself contacting MMF relating to another debt (CFO) that they are incorrectly reporting.

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oh well must be hard up

pers i'd ignore them

its statute barred


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks will do.

If I get anything through the actual post (or changes to CRA) to my home address then I'll act.

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