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.

Hiya I could do with a bit of advise with regards to this one... Lowells are chasing me for an old mobile phone account - claiming for an unpaid bill and termination fee. They've been chasing for a while and back in 2011 I asked them for a number of things, including a full breakdown of the debt, information pertaining to the termination fee etc and a copy of my contract. All I've so far been sent is a photocopy of the front page of the unpaid bill and a comment that they arent required to send me a copy of my contract and they quoted that CCA requests do not relate to mobile phones - which I already knew and therefore didn't mention in my original requuest for a copy of my contract. Recently received further correspondence from Lowell stating that is sufficient to prove liability and to give them a ring. a) I obvisouly won't be ringing them b) In my opinion that isn't sufficient to prove liability etc... With it being a mobile contract as opposed to credit card/ loan I'm a little out of my depth here. Doi just respond sticking to my guns statng that their response to my requests was unsatisfactory and that the account is now in serious dispute so they can't sell the debt/ request payment etc? Thanks BSBS.