Apologies, posting as a general question to as many people as can see this. As the OFT is closing end of March and handing over to FCA, I am not sure on their deadline, but I gather they were collating a list of priority matters to deal with for the FCA to continue CCA based work. I am very anxious that so many people here are dealing with similar bad behaviours from the leading debt collection agencies or purchasers, such as Statutory Demand, Bankruptcy, Court including in their absence, all the harassment cases etc. I am also a victim. I wondered if everyone felt the same, to make a last minute surge on complaints, obviously individuals have to do their own, but for example if a whole pile of letters/emails landed NOW on the same type of complaint re. the well known problematic DCAs then as a mass, they are likely to be passed on and may become the next priority. Clearly some need licences revoked NOW as they seem to be getting heavier, especially on Statutory Demands and ARE using the bankruptcy route, but obviously any Court action that is being upheld by judges isn't good. Not that anyone has to take notice of little me...but it is simply even an email, write a line saying you give permission for them to collate the info to assist in their investigations, they only reply to confirm, nothing else, but if you think about it, one trio debt collection company group has now been pulled up, so some of the others most definitely need to be. Thanks

I am being pursued by MMF for a payday loan taken out during 2011 which wasn't paid back. The original loan was taken out from Cash Genie, and when it wasn't repaid, Carter Forbes sent numerous emails and phoned occasionally asking me to pay or set up a repayment plan. I did neither, buried my head in the sand, hoping it would go away. (My circumstances over the last 3 years were abominable and I haven't been able to face up to anything, but that has changed now). The last I heard from CF was in November, and then they did as I hoped, and went away.... until now. Two weeks ago I received an email from MMF asking me call about my account. I replied, words to the effect, what account? Please elaborate. I didn't get any reply. From last Monday onwards my land line was ringing out every 3 hours from either a number beginning 0113 (Leeds) or 01482 (Hull). As I don't answers numbers I don't know and because they didn't leave any messages I checked them out online and the Leeds number was highlighted as being MMF. They finally left a message from their doorstep collection team on Thursday evening asking me to call them to arrange an appointment. Like hell I will...! Anyway, I've had dealings with this outfit before, and know that to ignore them usually provokes a response in the form of a visit, something that I am anxious to avoid, so I did call. Between November (in my last email from CF) and Friday (now the debt is with MMF), the debt has increased by almost 10 times. We're not talking a couple of hundred pounds owing any more. MMF have said it's over £2K !! I said to the MMF person that I didn't know the debt had been transferred over as I hadn't been written to by either CF or MMF to say they'd taken it over as should have happened. The guy said we have that letter here and he can send it to me if I want it. I told him that it was irrelevant now as they were already pursuing the said debt. I told the guy that £2K was extortionate given that CF were prepared to accept £260 in November, and that I would come back to them when I have sought advice. I also told him that I wasn't going to arrange an appointment for their agent to call, and that if one did turn up uninvited there'd be all holy hell on. I know I shouldn't speak to them on the phone, but I have had dealings with them before and they're a nightmare to deal with in writing/email (if and when they can be bothered to respond). I'm trying to collect my thoughts together as to what I should do next. I'm now in a position to pay back the original debt, but this extra 'interest' has really thrown me and I'm not sure how to handle it. Any advice would be welcome, thanks.

Hi again all I have had a lot of dealings with various debt collectors these really have reached a level beyond even mackenzie hall They have ignored 4 emails i have sent since receiving notification they have bought my debt from lending stream. They have now sent me a letter in a way replying to my email stating i revoked there right to visit my doorstep. I am paraphrasing a bit but it goes a bit like this... You are not correct that under oft rules we can only call at your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked, we are giving reasonable notice of the timing of the visit. I have had 5 letters in the 2 weeks since they have bought the debt. I am sick up to here and cant sleep or eat feeling worse than ever Please help I have not copied the original letter as previously in other cases as i have been advised by somebody on here they read the forums and it wont help me Thank you

Hi all, Received court claim papers Issue date 8 July 2013. States loan from 2010 – I had ignored it after rolling over at least 12 times and spiralling into problems, couldn’t afford to pay back and now got to this point. I guess my first step is to apply for more time online – will do this shortly. And then, send a letter asking for some kind of SAR/ CCA documentation. Then post back here? Many thanks for any help; I have no clue about how to approach this and if anyone has had any success with defending against a payday loan, by saying repaid many times over (rollover payments) ? Also, can you purely defend by post? Dont want to have to attend court at any point. P

Hi, I have been having some trouble with these guys relating to a Wonga loan. They are claiming I owe £600. The debt is 3 years old. I have been getting 4/5 phone calls a day, 2 emails a day and numerous texts. I have been keeping a record of this. I have not yet received anything in writing. Anyway their calls (Mike a door step collecter seems to call me a lot ), emails and texts are all very threatening. I have fired them off a recorded delivery letter denying them a home visit and I have asked for a notice of assignment and a break down of the alleged debt (I might be interested in making an FF offer if they provided me with this info but I only want to pay the original loan and a months interest - around £250). However I have had no response to my letter. I have also sent replies to each of their emails asking for the above, again other than a confirmation of receipt I have had no response from MMF. What's more they like to send messages that I am refusing to contact them! I have only spoken once when they called me, and this was to ask about my letter and emails which they claimed they will be responding too (2 weeks ago). Any more advice? I have experience with numerous debt collectors as I was unemployed 3 years ago and defaulted on a lot of stuff but these chumps seem to be exceptional. I am in a better place now and I am trying to settle some of these debts but I am almost tempted to not bother with MMF and wait for them to take legal action before responding to them (or let the debt go statute barred).

I have been getting aggressive phone calls and texts from Motormile finance for several weeks, which I am dealing with using a telephone harrassment letter. I have today received the following email: Our Ref: xxxxxxxxxxx Uncle Buck Payday Loans Debt Value: £xxx.xx We note that you have not responded to our previous communications. Your continued default will shortly be reported to all 3 major credit reference agencies and this will make it hard for you to obtain credit in the future. The file is now being prepared for a notice of default to be issued and then for a Doorstep Agent visit to your property to try and resolve the matter. If you wish to deal with this matter, please contact our office and one of our representatives will happily go through the matter with you to reach a repayment agreement. PLEASE DO NOT IGNORE THIS MATTER AS COSTS AND INTEREST WILL SHORTLY START TO BE ADDED TO THE ACCOUNT BALANCE AND WILL GREATLY INCREASE THE AMOUNT YOU WILL HAVE TO PAY. Please Contact us NOW on: 01138 876 876. Quoting reference xxxxxxxx Yours Faithfully, Pre-Visit Collections Dept. MotorMile Finance UK Ltd. Now, I know the doorstep visits thing is a threat they can't actually carry through, and if they do I am well-equipped to deal with it. However, I am pretty certain this debt is statute barred or if it's not, it isn't far off. There's nothing on my credit files about it yet. How do I prevent Motormile from putting defaults on my credit file now for a debt that I defaulted on several years ago - they can't do this, can they? I'm almost at the point of getting my credit files cleaned up and free of old debts, so I really can't afford to have Motormile registering somthing that's going to stick there for six more years! Any advice would be greatfully received.

Please I need advice on this mater. Attached is the hand delivered letter to my house. Address to my mummy. We have no dealing with this company, I tried to contact the originator Creditor(British Credit Trust) looking at their website for contact number but they were no more in business but have a company called target on their website to contact for more details. I called them and ask if they were aware of a company called MMF and if they instructed them to collect debt from my address, they said, MMF is not a company they know and instructed no one to collect any debt and have no records of my mummy owing money. Can anyone help please. Thanks Favour7

So it looks like my other half has received a fairly standard Transcom letter on behalf of Motormile. My instinct was to fire off a 'prove it' letter, but I'd just thought I'd ask you guys 'n' girls your opinion in case different actions may be better. Anyway, here's a synopsis of the letter: re: Motormile Finance UK Ltd A/C No: xxxxxxxxx Quote ref: xxxxxxx Amount due: £xxxx.xx Banner: RECEIPT OF PAYMENT Dear Miss (old married name) With effect from 18th September 2012, BCW Group Ltd sold the above detailed account to our client Motormile Finance UK Ltd [MMF]. We have been instructed by Motormile Finance UK Ltd to collect the outstanding balance. The balance outstanding under the agreement is £xxxx.xx. It will now be reported to and recorded by the credit reference agencies as a debt which is outstanding to Motormile and not as a debt which is outstanding to Greenwood. Motormile Finance has appointed Transcom Worldwide UK Ltd to administer you account on their behalf. You should now make payments under the agreement by calling us on 0844 7422064. Our client will accept a suitable repayment plan, if you are experiencing financial difficulties please contact us immediately for assistance. If you have any questions or concerns regarding the ownership or administration of your credit agreement, please contact us, as above. Your sincerely Generic Squiggle So, I gave the other half a good grilling after doing some research on what this alleged debt might be, as she has had some outstanding bills when I met her. She remembered that she had had a 'payday' type loan a few years back when she lived somewere else (a few houses back), but not with any of the companies listed in the letter. This was a weekly doorstep type collection loan, and she informed the agent in writing when she moved. She thinks she had paid it off but can't be 100%sure, and won't have any paperwork. The timescale is around 2005-2006, and as far as she can remember the last contact she had was around Christmas 2006. Questions: 1) as the timescale is around the 6 year mark I am hesitant to fire off a 'prove it' letter... but rather hang out for a couple of months just to get some clear air. Good idea....? 2) what exactly defines the 6 year period....? Would a standard 'prove it' letter and the ensuing communications, using the wording available on this site, restart the 6 year period (if liability was not admited obviously)...? 3) if a debt really has previously been reported to the CRAs (as Greenwood), she wouldn't have been able to get a credit card recently would she...? Cheers for the assistance people Rich

Hi All, I am wondering if someone can give me a little bit of advice. I took out a payday loan in 2012 with a company called MR Lender, I was already struggling financially and basically it was borrow off Peter to pay Paul scenario, anyway the loan defaulted and I arranged a repayment plan with them to pay £600 back over 9 months, (the original loan was £400), I made 2 payments of £66.67 and then missed payments and since then I have been burying my head in the sand so to speak. Anyway move forwards 8 months, and I decided to face my demons and confront my debt and try get on level ground financially, so I contacted mr lender to discuss repaying the loan, and they have sold it to a company called motormile finance. The original loan was for £400, when I spoke to motormile finance they told me that the balance now is £952, now I hold my hands up that I took the loan and out it is my responsibility to pay it back, as I am with all my other debt. What I want to know is whether the additional costs are within reason according to law? it is over 125% what I originally borrowed. should I just agree to a repayment plan or not? when I spoke to them they said the best they could offer is £650 over two payments, but unfortunately I don't have this kind of money spare. I appreciate any help or advice anyone can offer. Thanks Adam

I owed some money to QQ in 2009, as usual little at first then with rollovers it kept rising. I was made redundant and could not pay back. Motormile have now obtained a CCJ against me and I need to get it to be set aside. The judgement is linked to an address I have moved from. I have no paperwork related to my debt with QQ and no paperwork from Motormile about the court action, presumably this was send to my previous address. The landlord (council) knows our new address as we informed them. What are the available reasons I can use to as court to set aside. Judgement was entered on 2nd August 2013.

Hi all, Hope this is the right place for some advice on Motormile. Had a Wageday Advance loan back in 2011 for £135.00. I have been paying back £10 per month for the past 14 months to MMF. Total (£140.00) I canx the SO to them back in May and I am now receiving default letters from MMF stating an outstanding debt of £119.20 still owing ???. I have had no formal notification from MMF that they owned the debt as the SO was set up over the phone as far as I was aware to Wageday Advance (realise now it was probably MMF I was speaking to at the time). I have written to them asking what the outstanding balance relates to, as far as I'm concerned this debt has now been repaid. I have never received any correspondence from MMF informing me of any charges/ interests being applied to the account and feel that if I didnt cancel the SO when I did MMF would have continue to take payments indefinitely. I am currently ignoring their letters (3 so far) but just wondered where I stand in regards to any further payments, I dont intend to send them anymore money. Fortunately they do not have my mobile number so not getting harrassed by phone but have had junk emails from them in my spam account which i just delete. The letters relate to "home visits". If someone can let me know where I stand with this would be much appreciated.

Hi I have been receiving text/calls/emails from these people for months so sent them the harassment letter and the revocation of doorstep letter. Today my ex wife received a letter at her house which I would just like some advice on. I have posted the transcript of the letter below, so could somebody please be able to give me some advice on how to respond, thanks Dear Mr XXXXXX I understand you have decided to revoke your doorsteplicence. In addition to this, you wouldlike us to remove any contact telephone numbers we hold for you. Firstly, I feel it is important to note that the contactinformation we hold for you was provided to us by Quickquid who issued you theloan. QQ obtained the information directly from you during the applicationprocess. I can confirm that the contacttelephone number details we hold for you have now been removed from the aboverecord. In relation to your notification of your revocation ofthe doorstep licence regarding our intention to send an agent to your home todiscuss the debt. I can confirm that weare fully aware of this and we ensure we fully comply with the OFT guidanceregarding debt collection and visits by agents. You are not correct in your assertion that, under OFT rules, we can onlycall at your home if you agree to make an appointment. The debt is not reasonably disputed ordeadlocked, and we are giving you reasonable notice of the timing of theintended visit. In law, a creditor is in a different position to apostman or a member of the public asking for directions. When you took this loan, you impliedly agreedthat the creditor could communicate with you to discuss repayment. You do nothave the contractual right to revoke that agreement until the loan has beenrepaid. We will not disregard any reasonable requests you make asto the timing or method by which we have those discussions. Unless we hear further from you with such arequest, we therefore give you notice that our agent will be calling at youraddress to discuss repayment of this loan. Alternatively, please contact us on 08009961103 and quoteref Mxxxxxxx to arrange a repayment plan for the outstanding balance. We look forward to hearing from you. Barry ellershaw Barry@mmile.com

Hi All, I've recently started receiving texts and most recently a call from what appears to be Motormile finance. The first text referred to Mayday debt offers but also was addressed to someone else, hence i ignored it as it seemed to be the usual unsolicited spam. Since then ive had several more with the following text: It is very important that we speak to you please contact our office urgently on 01138876876 MMF ref. (ref number) along with a missed call from a similar number which traces back to Motormile finance. My question is: As i am obviously not the intended recipient of the original text (it was for a lady for a start - and im a man!) its obviously mistaken identity, but i'm unsure whether to speak to anyone from Motormile to clarify. From what i've read they sound like a particularly difficult collection agency and its not clear to me whether they are trying to extort money or legitimately try to claim on debt owed by someone else. As some of the messages i've read have said speaking on the phone is a big no-no and i'm not sure what i'm dealing with I thought i should ask advice on how to proceed. Please help! I'm actually finding the harassment quite stressful already and just want them to go away. Please also note i do not have any debt that i'm aware of and believe its extremely unlikely there could be a legitimate claim against me. Thanks in advance!

Hi guys, MMF just called my work phone number (Security Department in an MOD building) with a pre-recorded message saying "We are looking to speak to a Mr. Yukiko regarding an outstanding account; please contact us back to prevent a home or workplace visit". Is this legal? My manager has just rang them and given it to them hammer and tongs, and he's backing me all the way. There's no way they should have this number as when it's called from, it is witheld. Cheeky much!?

This company has sent me three texts from three different numbers, and I've had a pre-recorded message asking me to ring them. I've rung them (I know I shouldn't but I love to wind them up) and they can't identify me due to the wrong address they have (an address I moved out of nearly 4 years ago!). The debt they are chasing must either be nearing statute barring (as was a previous debt they gave up on) or a mistake as I know I haven't had any loans in over four years. It is the text messages (3 in under 24 hours, and the phone call) that I am annoyed about, I've asked for a copy of their complaints procedure and will be following it up. When you phone them on 01138876876 you are told they can 'offer various solutions including a substantial discount, loan or payday loan (oh yes, they state this clearly) to help pay for the debt. - Major breach of OFT Guidelines here. Just as well I am a seasoned CAGGER and able to get their poor phone jockey to tell me off as she can't control the call herself and I refuse to give out my previous address. Shows that they do NOT employ proper tracing methods otherwise a cross check of their own system would have found me easily here - I last had dealings with them in November and they ran away then! Complaint to the OFT coming up as soon as I have complained to them first!

Hi I went Bankrupt in June 2010 included in this bankruptcy was my Uncle Buck Payday Loan. Uncle Buck were informed of this and were sent a copy of my Bankruptcy Order. However after a year or so i was continually harrassed by Uncle Buck demanding payment etc. I emailed them and told them of my Bankruptcy gave them my Bankruptcy number and sent another Bankruptcy order to them. All emails from them stopped until early February when i went to visit my parents i opened a letter addressed to me from Motor Mile Finance saying that Uncle Buck had sold my debt to them and i wass to make a payment immediately, they have also sent me quitre a few emails to my old email account which i have just found threatening to send doorstop collectors. I immediatley phoned them and informed them that i had been made Bankrupt and the Uncle Buck were informed of this on numerous occasions, the lady asked me to provide the bankruptcy Ref, which i did. She then said she will look it up and if i didn't hear anuything within 24 hours then it would mean its all sorted. About 2 weeks later i recieved a phone call from my mum saying that she had opened a letter by accident that was addressed to me and it was from Motor Mile Finance stating that they were going to send out Door Stop Collection Agents unless immediate payment of my debt was made. I phoned them immediately and said i had told them that i was banrupt etc. She then informed me i was not on the register and would have to provide proof that i was made bankrupt, i have now provided this via email attachment and still they are sending me emails. I though that when you were made bankrupt that the companies could not contact or harrass you, and i would have thought that they would not be able to sell the debt on either. Is there anything else i can do to stop them contacting me and sending letters to my parents? Any advice greatly appreciated. Sarah

Hi everyone. new poster here !! Had a text message from mmf . motormile finance with a reference number, so i gave them a call as ive no debts outstanding. They told me I owed £50 from an uncle Buck debt in 2010 / 2011, which i know i had paid off, so i told mmf that i wanted to contact uncle buck - After calling uncle buck they agreed that the account had been settle in 2011 and that mmf shouldnt have been contacting me. I just wanted to make sure you are all checking first with the lender. They have told me i wont get any more contact from mmf at all. fingers crossed !!

hi i took out a loan with quid24 for 100, with a repayment of £110 , unfortunatly wasnt able to pay it on time, and within 6 days of missed due date £190 of charges had been added, they claim the charges are for letters they have sent but i have only ever recieved emails which they claim to be the letters. anyway here it a converstion log i have had with them so far. please let me know what you think , i have tried throwing a few legal quotes here and there (although i have probably got them wrong lol ) i have paid them £110.38 thet still persistant that i owe them £189.62 and dont seem to be budging no matter what i do or say, only thing they have done is offered to clear the remaining for £89.62 ( - £100 of the debt) but i still think this is unfair. i have contacted the financial ombudsman who advised me they can charge whatever they want if thats what i signed in the contract, but they have told me they have written to quid24 telling them i have lodged a compaint and they have 8 weeks to sort it... anyways enough of me going on, heres the contact between me and quid24 so far. okz19@hotmail.co.uk |2011-10-24 20:13:05 I would like to cancel mu agreement with yourselves under the terms and conditions i have 14 days to cancel my agreement with yourselves so i would like to excercise this right, please accept this as my written confirmation as cancelment of my agreement . please contact me asap by phone on 07413610113 in regards to the matter and for full payment of the original amount borrowed , the transfer fee , and 14 days interest at 8%apr . I would like to thank you in advance for your help in regards to this matter. Regards, anthony smith okz19@hotmail.co.uksupport@quid24.com |2011-10-25 13:28:04 Dear Anthony, Thank you for the email. Please see Cancellation Rights in our Credit Agreement: You will have a right to cancel this Agreement for 14 days, beginning with the day after this Agreement is signed by us ("the Cancellation Period"). If you do not exercise your right to cancel within the Cancellation Period, you will not be able to cancel this agreement. You may exercise this right to cancel by giving notice in writing by sending a letter to us at Quid24 Limited, 2nd Floor, 145-157 St John Street, London, EC1V 4PY, United Kingdom or by e-mail to support@quid24.com. As the Credit Agreement was signed on 07/10/2011 at 01:21, the Cancellation Period ended on 21st October. You sent us the notification on 24th October, so you are no longer able to cancel this Agreement under the Financial Services (Distance Marketing) Regulations 2004. Please make sure that you have sufficient funds available and let us know when can we collect the repayment of £300. Kind regards, Quid24 Support http://www.quid24.comokz19@hotmail.co.uk |2011-10-25 16:11:19 Give me an account number and sortcode to pay onto i do not have a debit card to payvwith, also i.borrowed on the 10/10/11 not 07/10/11support@quid24.com |2011-10-25 16:29:21 Dear Anthony, Thank you for the email. The Credit Agreement was signed when you registered with us on the 7th October. And the Cancellation Period is for 14 days, beginning with the day after the Credit Agreement was signed by us. So the Cancellation Period was 14 days starting from 8th October. We can offer an alternative payment method only once. Please make us a bank transfer to cover your debt using the following details: Account name: Quid24 Limited; Account number: 23497062; Sort code: 20-30-89; Amount: £300; Ref: Smith 1804 Please do not forget to add the reference. Please note that if we have not received the payment by the time we have agreed, additional charges will be added. When you have made the payment, please notify us and send us a copy of the payment. Please let us know as soon as you have received a new card to update your details. Thank you. Kind regards, Quid24 Support http://www.quid24.comokz19@hotmail.co.uk |2011-10-25 17:25:39 I have made a payment of 110.38 the paymeny breakdown is as follows: £100 original loan £5.50 transfer fee ( altough all uk banks transfer instantly for free) £4.50 original interest fee £0.38 good will gesture 1months interest on £100 @ 8% apr as for my debit card number you will not need this as as far as i am concered my debt to yourselves has been paid However if you still believe i owe any outstanding balance i advise you to pursue the matter via court, as the rest of the balance you claim to be owed is clearly laid out on the online statement as charges for reminder letters that you have not sent, and if you had i would expect them to be printed in gold on 24c gold leaf paper as £70 for a standard piece of paper printed in black toner ink certainly would not be a justifiable cost which would then bring us to the unfair terms and conditions act of 1997. I thank you for your help in this matter anthony smith. support@quid24.com |2011-10-26 11:08:21 Dear Anthony, Thank you for the email. We have received your payment of £110.38, as your loan had increased up to £300, so £189.62 is currently outstanding. Please Make us another transfer of £189.62 as soon as possible, as otherwise your debt will be soon handed over to our debt collection partner and further debt collection fees will apply. Kind regards, Quid24 Support http://www.quid24.comokz19@hotmail.co.uk |2011-10-26 15:21:16 Get the message you aint getting another penny stop playing stupid . support@quid24.com |2011-10-26 15:41:53 Dear Anthony, Thank you for the email. Please note that your loan has increased up to £300. The outstanding balance currently is £189.62, as you have only repaid £110.38 to us. Please make us another transfer of £189.62 as soon as possible, as otherwise your debt will be soon handed over to our debt collection partner and further debt collection fees will apply. Kind regards, Quid24 Support http://www.quid24.comokz19@hotmail.co.uk |2011-10-27 18:01:47 May i remind you that under the unfair terms and conditions act 1997 that your terms and conditions for charging £190 for letters you have not sent is deemed an unfair charge and would also be deemed an unfair condition in a court of law. however if you wish to continue this matter and pass the accused debt to a debt collecter then i would also like to remove your right to ring me on any contact number and further contact is to be via email and post only , this right also moves with the debt so you are to inform any 3rd party you pass the matter on to that they also no longer have any right to contact me other than the methods stated. if anyone contacts me by any method other that post and email in regards to this matter they will be liable for damages in court under the communications act 2003. I would like to thank you for your yet more unhelpfulness, and hope not to hear from you in regards to this matter again.support@quid24.com |2011-10-31 12:45:02 Dear Anthony, Thank you for the email. You have agreed all the charges as these are stated in our credit agreement that you have read, agreed and electronically signed. Please note that these letters were sent via email. Kind regards, Quid24 Support http://www.quid24.comokz19@hotmail.co.uk |2011-11-04 14:43:11 its nice to see how it took you 4 days to reply, anyway i have just been in contact with with the financial ombudsman who are going to write to yourselves in regards to the matter. firstly letters were not sent emails were, there is a difference, a letter you print and post and email you type and click a send button. and secondly the dates the emails were sent do not match the dates they should have as stated in the terms and conditions. terms and conditions states LETTERS (not emails) would be sent after the account becomes 1, 2, 4, and 7 days over due EMAILS (not letters) were sent on 1st reminder 17th oct - the DUE DATE (not 1 day after) 2nd reminder 18th oct - 1 day over (not 2 like stated) 3rd reminder 20th oct - 3 days over (not 4 like stated) 4th reminder 23rd oct - 6 days over ( not 7 like stated) also it has been noted to the financial ombudsman that when i contacted you in regards to a repayment plan you refused to help until the 24th oct conveniently after you had finished charging the account with unfair and unjustified charges. support@quid24.com |2011-11-04 15:10:22 Dear Anthony, Thank you for the email. Please note that it did not take 4 office opening days to reply to you as our office opening hours are Mon-Fri 8.30am-5pm. You sent us the email on Thursday evening after the office was closed and we replied to you on Monday morning. So we replied to you on the second day. We have checked and the emails were sent out on the following dates: 1st reminder - 18th October, 2nd reminder - 19th October, 3rd reminder - 21st October and 4th reminder - 24th October. Please note that these were sent out straight after midnight when the charge was added. Reminder letters are sent out via email, not via post as emails will reach you straight away. We can only offer repayment plans to clients whose loan has gone seriously overdue and who are seriously in debt. Kind regards, Quid24 Support http://www.quid24.comokz19@hotmail.co.uk |2011-11-04 15:42:12 do you not think £300 for a £100 is not seriously overdue enough ? and why would you not think i was in serious debt, if i wasnt in debt i would of been able to obtain and overdraft from my bank or a cheaper method of borrowing? anyway heres my solution , i can offer £10 a month on starting thursday the 10th, and can offer this every 4 weeks, providing you stop adding interest and charges, however if you find this unacceptable and still want to challenge it, then i will have no option but to let the matter continue , and once 8 weeks has passed without any resolution from yourselves, the matter will be pursued with the financial ombudsman. support@quid24.com |2011-11-04 16:10:21 Dear Anthony, Thank you for the email. We are willing to freeze the loan and set up a repayment plan for up to 12 months. As currently the outstanding balance is £300 and if this would be divided into 12 equal payments then every month you would have to repay £25. Alternatively as a gesture of goodwill we can make you a settlement offer to repay £200 in one go before 23rd November 2011 (so we would waive more then half of the charges). Please let us know which of the above two offers suits you the best and let us know of the exact date(s) when we can collect the payment(s). Kind regards, Quid24 Support http://www.quid24.comsupport@quid24.com |2011-11-04 16:18:18 Dear Anthony, Please ignore the above email. As you have already repaid £110.38, the outstanding balance is £189.62 not £300. Please accept our apologies for the mistake. We are willing to freeze the loan and set up a repayment plan for up to 12 months. As currently the outstanding balance is £189.62 and if this would be divided into 12 payments then you would have to make 11x £16 and 1x £13.62 payments. Alternatively as a gesture of goodwill we can make you a settlement offer to repay £89.62 in one go before 23rd November 2011 (so we would waive more then half of the charges). Kind regards, Quid24 Support www.quid24.com as you can see i have not responded to them as i have come back to my senses and have decided i shouldnt have to pay them anything , and i retract my last email to them that i offered £10 a month , until i fully understant where i stand ! any help wil be much appreciated.

Okay; i needed some support in this, as my partner and i live together and he's just lost his job so we're going onto benefits. So i got a QQ loan in late 2008 (about beginning of nov) and then i lost me job. For four years i got no physical or electronic letters saying that i had defaulted and it was sold to Gothia, and yet Gothia were chasing me for this money. I ignored them. On 24/10/12 i got an email telling me it would be sold to Mercantile Recovery Solutions. I recieved an email on 5/11/12 from MRS, saying "We write to notify you that the above mentioned account has been assigned by Mercantile Recovery Solutions Ltd. to Mercantile Recovery Solutions Limited." and another one yesterday (aka 28th) telling me "Please accept this email as formal notice that your account held with Mercantile Recovery Solutions Limited, reference number , has now been passed for collection to Motormile Finance UK Limited."; Ltd. is the same as limited yes ? and where is the ref number ? does not count ..... bah I then got an email today from MMF saying"We act on behalf of Mercantile Recovery Solutions and have been instructed that your pay day loan has not been repaid to them. Shortly, this situation will affect your credit rating and we need to resolve it immediately to prevent this from happening Our instructions are to collect the outstanding amount from you and we would ask you to contact this office without delay to arrange repayment terms: Tel: 01138 876876 We will shorly be arranging for your account to be passed to our Home Visit Department, but would invite you to contact our office within the next 5 days to discuss this matter. We understand that situations sometimes occur that are outside anyone's control and we can assure you that we are ready to discuss any problems you may have and help find a solution. Please quote your reference of M1133291." I was up till 2am this morning looking up about MMF so i thought i'd post it here for some more advice and maybe another complaint to OFT, if needs be. Oh and hi you guys, nice to meet ye ! -John

Hi Just a quick one hopefully. My partner has had one of their letters sent to her former address, her parents home, last week. We've sorted some things in the past with the help of all you excellent people, but it's been for debt that she was aware of This appears to be unknown or very old. The only loan or credit my partner has has in the last 3 years has been a wonga loan, but this has been repaid in full, I've checked So, my question at this stage, is do we even contact them. Do we phone and if so, how much info do we give out. Do we write using the 'no knowledge of this debt template' or do we ignore it thank you

Hey all, Looking for some advice on this one. Have a default registered on my credit file with Motormile Finance. Queried this as per the 'Prove it' letters, no response, so sent a CCA request and queried it with the Credit Reference Agencies also. 43 days after sending the CCA request I received a 'reconstituted agreement' which they claim I signed. This was apparently for a payday loan - which I have never taken out. I immediately sent them another letter asking for details of how this was taken out in my name, statement of account, notice of assignment etc.... EDIT: Sorry Notice of Assignment was sent to me a few days after this, dated 2xth September 2012 stating that on 1x July 2010 Motormile Finance bought the alleged debt and all payments should now be directed to MMF. Nothing further for two weeks, I received an email (not letter) stating that: True to their word, no further contact from them... new tactic? What concerns me though is the Default on my credit file. I have had emails from Equifax and Experian, stating that they have failed to respond to their communication, as such the data is assumed correct and will remain on my file What??! In what world, does a DCA failing to respond to a CRA's request automatically prove legitimate data? On a side note, Motormile have now exactly 4 days before they are in breach of my Section 7 Subject Access Request

Hi Received the letter (below) today from MotorMile Finance regarding a payday loan defaulted in 2009... Your advice is greatly appreciated! (I have a few questions below the letter). Dear BSBS, ACT NOW TO PRESERVE YOUR CREDIT RATING Our Ref: XXXXXXXX QuickQuid Payday Loan (debt as signed to Motormile Finance UK Limited) Debt Value: £XXX.XX We note that you have not responded to our previous communications Your continued default will shortly be reported to all 3 major credit reference agencies and this will make it hard for you to obtain credit in the future. The file is now being prepared for a notice of default to be issued and then for a Doorstep Agent visit to your property to try and resolve the matter. If you wish to deal with this matter, please contact our office and one of our representatives will happily go through the matter with you to reach a repayment agreement. PLEASE DO NOT IGNORE THIS MATTER AS COSTS AND INTEREST WILL SHORTLY START TO BE ADDED TO THE ACCOUNT BALANCE AND WILL GREATLY INCREASE THE AMOUNT YOU WILL HAVE TO PAY. Please Con tact us NOW on: 01138 876 876. Quoting reference XXXXXXXYours Faithfully, Pre-Visit Collections Dept. MotorMile Finance UK Ltd. My questions: 1) What's with their wording at teh start of the letter: QuickQuid Payday Loan (debt as signed to Motormile Finance UK Limited)? 2) How can they threaten to issue a default notice when it's three years since last payment and they arent the OC? 3) Not sure if this is relevant but Fredrickson chased this debt (albeit briefly) in 2010 so it must have reached a default stage in 2010for that to happen? 4) This isn't currently present on any of my credit files - I have a couple of defaults due to expire in three years which would be similar to this if the default was issued at the correct time... certainly not happy about having a new deafult added to my account in2012 when I've been really good these past few years! 5) the visit threat is easy enough and I'll just revoke common law with Shepherd... 6) with regards to costs and interest... this is all smoke and rubbishisnt it as I'm happy to dismiss this as idle threats!? Any help much appreciated! Thanks BSBS.

I've recently received a claim form for a debt originally with Quick Quid and then assigned to Motormile Finance, MMF is the Claimant and it's been issued by Optima Legal. I've heard about enforcability issues with Quick Quid in the past, is that still the case? Any help would be appreciated. Thanks

Hi guys, Just had an email frmo these guys about an old Wonga account that was defaulted a good 3/4 years ago. Never heard from them before... what are they like? Are they a trading arm of one of the big boys? BSBS.

Hi, I am new to the forums and have a question regarding the above mentioned Motormile finance who have not exactly logged a credit search, but actually are reporting to experian that i have a defaulted account with them. My question is, can a DCA do this?