Hi, I'm really worried about MMF. I got myself into a lot of (stupid) debt with payday lenders over the last couple of years. Most of it I've managed to get into repayment plans for but there were a few playing hard balls who wouldn't agree to anything. One of them was lending stream, where I borrowed £300 but after various charges and interest was applied ended up at close to £1000. They refused to budge on the amount, and eventually assigned it to a debt collector. From reading these forums I (thought I had) learned how to deal with DCAs, and CCA'd the original DCA (Moorcroft). They replied by sending me a pre-contract from Lending Stream, but not the CCA itself. I replied that there response wasn't acceptable, they then stated that they would refer the account back to their client. It then got sold on to Buchanan Clark + Wells, who backed off when I mentioned the CCA request not being fulfilled. The account got sold on to Lowells and Gothia, who I both ignored. Both of these offered reduced settlement offers when I kept ignoring them. The last I heard about this was over a year ago, and I've since moved 200 miles away. Last week, I got texted '...my name...your lending stream LLC a/c has been sold to MMF. Please call to prevent transfer to our home visit dept. 0113 8876876 ref: ...ref number...' The following day, I started getting phone calls from 7 or 8 different numbers a day (landline and mobile numbers) along with more threatening texts. None of this worried me at all, I thought MMF were just another DCA, until I did a 'who calls me' search to find out if it was another MMF number and then uncovered a thread here that they had taken actual legal action against someone with an unpaid payday loan, then I uncovered how bad they are. MMF don't know where I live, but I'm genuinely worried about getting a CCJ without my knowledge if they don't have a current address. I don't know whether it's a good idea or not to volunteer where I'm living now, as it looks like they aren't scared away by letters and unlike every other DCA I've dealt with their home visits are actually real - I know that they have no authority to do anything but my partner is easily intimidated and I don't want her dealing with these people if I'm not here. I don't know what to do for the best here, I'm more than willing to discuss repayment of what I owe ('what I owe' and 'what they claim I owe' not being the same thing), but this lot have rattled me when their threats don't seem as empty as most DCAs.