Hi. This morning I received a letter fr5om bpo collections stating they have been instructed by MMF to collect an out standing debt and all the usual spiel. However I had never heard of MMF or bpo until this morning even though the letter says both had previously made contact with me. Also, from what I gather from reading threads here, MMF is a collection agency that collects pay day loans? If this is true, I have never had a payday loan in my life. I refuse point blank to get one, and even if I tried to get a payday loan I doubt I'd get one due to my very poor credit rating anyway. Anyway I don;t know what to do about the letter I received. I know for a fact I have never had any payday loans in my life.