I have searched my old emails and found all of these in my SPAM.... In chronological order... Motormile Finance UK 20/03/2015 to me Our Ref: Original Creditor: Mr Lender - Debt Assigned to Motormile Finance Uk Ltd Original Outstanding Balance: £1707.75 Current Outstanding Balance: £1312.5 Dear Mr We write with regard to the recent change in the High Cost Short Term Credit sector, whereby any customers taking out a loan on or after the 2nd January 15 will never need to pay back more than twice (200%) what they have originally borrowed. As a business, we have voluntarily taken the decision to reduce this further and cap the maximum balance to be 175% of what our customers originally borrowed. Your account balance has now been reduced to £1312.5 If you wish to discuss this reduction or speak to a Customer Service Representative, then please call us on 0113 887 6876. Alternatively, you can arrange a call back by replying to this email. If you are already in an instalment plan, your repayment will remain the same. However, if you wish to repay this account, vary your existing arrangement or discuss a possible settlement, one of our representatives will gladly discuss this with you in order to agree a reasonable and affordable plan that suits your needs. Yours sincerely Motormile Finance UK Ltd Motormile Finance UK 21/05/2015 to me Our Ref: Original Creditor: Mr Lender - Debt Assigned to Motormile Finance Uk Ltd Balance: ££1,312.50 Dear We have noticed that you may have missed the opportunity to accept our recent offer of discount on your account(s). The good news is that we are able to extend this offer until 27th May 2015. Not only is your account eligible for the discount, we can even spread the reduced balance into affordable repayment amounts for you based on your financial circumstances. The offer is as follows: Repayment time Amount to deduct from the balance Immediate repayment 35% discount Spread the instalments over 3 months 25% discount Spread the instalments 4-12 months 20% discount Spread the instalments over 12 months + 10% discount Please contact us on 0113 887 6876 and our friendly customer service agents will be more than happy to talk you through the options and assist you reach the right solution to repay the remaining balance. Alternatively, you can arrange a call back or discuss the matter generally by emailing us on We urge you to consider this offer as this will enable you to clear your account(s) sooner. Yours sincerely Motormile Finance UK Ltd Motormile Finance UK 27/05/2015 to me Our Ref: Original Creditor: Mr Lender - Debt Assigned to Motormile Finance Uk Ltd Balance: £1312.50 Dear We have noticed that you may have missed the opportunity to accept our recent offer of discount on your account(s). The good news is that we are able to extend this offer until 29th May 2015. Not only is your account eligible for the discount, we can even spread the reduced balance into affordable repayment amounts for you based on your financial circumstances. The offer is as follows: Repayment time Amount to deduct from the balance Immediate repayment 35% discount Spread the instalments over 3 months 25% discount Spread the instalments 4-12 months 20% discount Spread the instalments over 12 months + 10% discount Please contact us on 0113 887 6876 and our friendly customer service agents will be more than happy to talk you through the options and assist you reach the right solution to repay the remaining balance. Alternatively, you can arrange a call back or discuss the matter generally by emailing us on We urge you to consider this offer as this will enable you to clear your account(s) sooner. Yours sincerely Motormile Finance UK Ltd Motormile Finance UK 14/07/2015 to me Our Reference: Original Creditor: Mr. Lender Payday Loans Balance: £1312.50 Dear Mr This is a further communication in relation to the above as you have not responded to our previous attempts to communicate with you. Despite our offer of help you have not contacted us. It is vital that we speak to you - there is a solution available but in order to conclude this matter we need to understand your circumstances. We are a specialist team of agents who can genuinely assist you. Please act immediately. You can contact us on 0113 887 6876 or email us at [ Our opening hours are Monday to Thursday 8am to 8pm, Friday 8am to 6pm and Saturday 9am to 2pm. Yours sincerely Motormile Finance UK Limited (MMF) Then the following from this year; 10 May to me OUR REFERENCE: ORIGINAL CREDITOR: Mr. Lender CURRENT OUTSTANDING BALANCE: £1312.50 Dear Mr Unfortunately, despite our efforts to contact you we have been unable to do so. It is still our intention to set the correct plan with you to clear this amount based on your circumstances all we ask is that you pay what you can afford. For example we have many customers paying as little as £5 per month. You can set up a payment plan by calling us on 0113 887 6876 or by emailing us atif you prefer not to speak to an agent. If you are experiencing financial difficulties we have a team of specialist agents who are equipped to understand and deal with your situation. Alternatively free debt advice is available which provides confidential and impartial advice from one of the organisations listed on our website, We look forward to hearing from you. Yours sincerely Motormile Finance UK Limited (MMF) 20 May to me OUR REFERENCE: ORIGINAL CREDITOR: Mr. Lender CURRENT OUTSTANDING BALANCE: £1312.50 Dear Mr We write following our recent introduction, however as yet we have not heard from you. Our intention is to reach an amicable and affordable solution on this account. In order to do this we need to understand your financial circumstances as any agreement we reach with you is dependent on this. If you have more than one account with us the breakdown is shown below The quickest payment methods are by debit card over the phone or by visiting our web site You do not have to pay the full amount if you cannot afford to do so. Call us on 0113 887 6876 where our agents will be happy to reach the right solution. If it is more convenient, or you would like to request us to call you at a suitable time, you can email us at 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. We look forward to hearing from you with 7 days to prevent any further communication. Yours sincerely Motormile Finance UK Limited (MMF) 9 Jun to me Dear Mr OUR REFERENCE: ORIGINAL CREDITOR: Mr. Lender CURRENT OUTSTANDING BALANCE: £1312.50 We have made several attempts to contact you regarding your account(s), however we do not have a solution in place. If you have more than one account with us the breakdown is shown below You do not have to pay the full amount immediately - we are keen to reach an affordable solution with you in line with your financial circumstances. Using our expertise we will help assess your affordability however to do this we need to speak with you. Please contact us on 0113 887 6876. Alternatively, if you prefer you can: email us with a payment proposal, register a dispute or request a call back on or visit our website on [ to make your payment, submit a financial statement and offer of payment. Please treat this matter as urgent and take action today to prevent any continued communication. Our office opening hours are Monday to Thursday 8am to 7pm, Friday 8am to 6pm and Saturday 10am to 1pm. 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. Yours sincerely Motormile Finance UK Limited (MMF) 13 Jun to me OUR REFERENCE: ORIGINAL CREDITOR: Mr. Lender CURRENT OUTSTANDING BALANCE: £1312.50 Dear Mr Unfortunately, despite our efforts to contact you we have been unable to do so. If you have more than on account with us the breakdown is shown below It is still our intention to set the correct plan with you to clear this amount based on your circumstances. We may even be able to offer a discount to assist in clearing this account sooner and still be able to spread the repayments. As a reminder: • you can contact us on 0113 887 6876 to discuss your account with our agent and the most appropriate payment method for you; • email us at to inform us of your circumstances, request a call back or make an offer of payment; or • Alternatively, you can visit our website ] where you can submit your offer or make a payment. If you are experiencing financial difficulties we do have a specialist team equipped to understand and deal with your circumstances. Gain peace of mind by speaking to our agents and reaching a solution today. Our office opening hours are Monday to Thursday 8am to 7pm, Friday 8am to 6pm and Saturday 10am to 1pm. 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. Yours sincerely Motormile Finance UK Limited (MMF) Attachments25 Nov to me CUSTOMER REFERENCE: CURRENT OUTSTANDING BALANCE: £1312.50 Dear Mr 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 partners 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 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) I will upoad the attachments once I have had a chance to edit them.... Many thanks, Dave.

Thanks for the quick reply!! So are you saying I should just continue ignoring this...?

Hello to all you helpful souls @ CAG, I am hoping for some advice...... A couple of years ago I took out a payday loan with MRLENDER @ £700ish. I found myself in financial difficulty and was not able to repay. I tried to talk to MRLENDER but they were not interested in my circumstances and just insisted on full payment or interest/charges would be added etc. This annoyed the hell out of me!! Therefore I just ignored them. I have now received a letter from MORIARTY LAW (dated 09/12/16), stating; Amount Due: £1312.50 Original Lender: PDL Finance t/a Mr Lender We have been instructed by Motormile Finance UK Ltd (MMF) in relation to recovery of the above debt. The debt must now be settled within the next 14 days by either payment in full or an initial payment and an acceptable repayment plan. In the event we do not hear from you within the next fourteen days we have been instructed to issue proceedings without further reference to yourself. To ensure you are fully aware of the consequences of legal proceedings being issued against you we have detailed below the costs, fees and interest that the court will add to your account should this action be taken. Court fees: £70 Solicitor costs: £80 Interest: £105 The issue of proceedings and any consequent judgment in our clients favour would therefore result in your debt increasing to £1567.50. I have not been informed by Mr Lender / Motormile that this has been passed on/sold to Moriarty Law. I do work full time, however I am in receipt of child tax credits and don't have the money to pay this off in full...should I try to arrange a payment plan? Is Mr Lender in any way liable due to poor affordability checks in the first place, or is this all on me solely? Thanks in advance for any and all replies. Dave.