Hi I keep getting emails from MMile for an old PDL I had. I can't remember when I took out this particular loan it would have been pre May 2014 - I am almost certain that I took other loans with PTPD. The emails are as follows; OUR REFERENCE: ORIGINAL CREDITOR: Pounds Till Pday 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 customerservice@mmile.com. Alternatively you can visit our website www.mmile.com. 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) Please note: if you chose to communicate with MMF by email, unless otherwise advised by you, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collections activity, negotiations and other services and products. We are authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated agreements. MMF is the trading name of Motormile Finance UK Limited, a company registered in England and Wales with company number 06637307. Our registered office is Protection House, 83 Bradford Road, Leeds LS28 6AT. http://www.mmile.com There is no mention of any PTDP account number, when the loan was taken etc - I had a previous email from mmile back in may 2014 advising they would arange an agent to visit my house - i sent them this email; Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc.Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be committing an act of trespass and you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance". The thing is MMile seem to have a lot of dealings with SB debts - this PTPD loan could also be SBDo I just ignore them or send them a prove it letter?

Hi I have received a number of emails recently from MotorMile Finance claiming an outstanding balance on a payday loan (Pounds Till Payday). I have no record of any outstanding debt but don't have records going back to 2008 to check the validity of what they are claiming. I have no record of any defaults or accounts for Pounds Til Payday on any of my credit files so am not sure how to proceed. When I asked for further information they gave me the following: This could all well be true but I have no records of outstanding debt or any records (let alone defaults) from Pounds Til Payday on any of the 3 reference agencies. Mmile claim to have purchased the debt and sent an email stating their NOTICE OF LEGAL ASSIGNMENT: I was considering a Subject Access Request to get as much information held as possible but my primary concern is the latest email which threatens to register a default on all 3 agencies against this supposed debt. Can a default be applied against a debt that has been purchased by a DCA? (assuming the Notice of Legal Assignment email is legit) Email below: Any advice on how to proceed would be welcome! I do not want unwarranted defaults appearing on credit file