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    • Why are you requesting settlement figures on credit cards ?   why are you engaging with them at all apart from sending a copy of the death certificate.   No estate = No money = no pay and then they will write them off..they have no other option....but you must not make payment from yourself not even the interest.   Andy
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    • “They of course used the variola vaccination program which replaced the Claiming that....”   looks like you are missing some text there after “replaced the” !   As for “slower rate of mutation a chance to mutate” : smallpox is believed to have been around since 3rd Century BC, and maybe even 7 centuries before that. Apologies : I don’t have formal evidence for 10th Century BC (why I’m saying “maybe”). Good quality peer reviewed studies for 22 centuries (plus) ago are rare   There is no reason to believe that dairymaids (back then) who had had cowpox didn’t develop the immunity Jenner later characterised : so there would have been some selective pressure for smallpox to mutate its vaccine target even then. Variolation was used in the Far East (1549) even before it started to be used in the West in the 1720’s : that is some 428 years of further increased selective pressure to mutate the vaccine target, (250 years if you want to say “both East & West”)   Jenner started using vaccinia around 1796, but only published his paper on cowpox / vaccinia (from which the term vaccination is derived) in 1798. At least 179 years of even greater selective pressure yet still no mutation of the vaccine target.....   “Ahh, but those aren’t modern vaccines!” I hear you cry.... Well there was gradual improvement in the vaccines but there was a major step (freeze dried, heat-stable vaccine) in the 1950’s (25 years of yet further increased selective pressure)   So, with 22 centuries in which to mutate the vaccine target, 300 million deaths in the 20th century, and 15 million cases a year as late as 1967. Not a shred of evidence that there was a single mutation of the vaccine target...... that isn’t “slow”. that is zero.      
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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:





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


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sorry forgot the attachment (wont let me edit post)


Who are Northway?


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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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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....


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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



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


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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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