DCA Motormile Finance bypassing 141 withold number. **

[DonkeyB]

Be aware that there is a Motormile Finance Ltd (dissolved) and a Motormile Finance UK Ltd (active).

 

The active company does indeed have a valid CC licence.

 

 

Licence Number:

0628173

Licence Status:

Current

Current Applicant / Licensee:

Business Name

Company Registration Number

Motormile Finance UK Limited

06637307

Categories:

Consumer credit

Consumer hire

Credit brokerage

Debt collecting

Right To Canvass Off Trade Premises:

No

Trading Name(s) (Current):

MMF-Leasing

Money Xpress

Motormile Mortgage

Issued Date:

30-Jun-2009

Date Maintenance Payment Due:

29-Jun-2014

Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

Name

Position

Barnaby Edward Page

*

Neil Anthony Petty

*

Nature of Business:

Other

Current Address(es):

Address Type

Address

Correspondence

322, Harrogate Road, BRADFORD, West Yorkshire, BD2 3TB, United Kingdom

Principal Place Of Business

322, Harrogate Road, BRADFORD, West Yorkshire, BD2 3TB, United Kingdom

Registered Office

Sanderson House, 22, Station Road, Horsforth, LEEDS, West Yorkshire, LS18 5NT, United Kingdom

[losingmymind]

So all looks legit then

 

It was a payday loan. The loan was taken out on 3 other occasions and repaid. The last time it wasn't repaid. This was in Nov 2009. In the meantime I'd moved away to take up a position overseas, but hadn't been there long when I was invoved in an accident and hospitalised for a while. I wasn't at all well, so a friend contacted Quick Quid about my situation in Jan 2010. Their idea of a payment plan was to pay it back over 3 months - yeah right, with no income coming in at the time and when I wasn't fit to agree to anything! Then when I didn't agree to their payment plan they sold it to Mack H some time last year. Both QQ and MH had continued to pursue me though my old address and were told several times of the new one, but they didn't take any notice. I was in no position to take up the post I had moved for, so came back to the UK when I was well again. Still not 100% and not in work, but trying to get my own thing off the ground. Then last week this Motormile outfit reared its ugly head and I've only had the one contact wih them to stop them pursuing me through my old address. They haven't been given any current contact details apart from email address. MMF did however give me a history of the account, including the 3 previous loans which were repaid, the one that wasn't, including dates and the bank account it was paid into, and that as it was an internet application they had my IP address etc.

 

No payments towards the debt have been made. Any advice very welcome, thanks.

[cerberusalert]

So all looks legit then

If it's the Bradford outfit chasing you then it's definitely not legit.

[DonkeyB]

If they’ve done a ‘phoenix’, then the address they trade from is almost certainly irrelevant.

[cerberusalert]

If they’ve done a ‘phoenix’, then the address they trade from is almost certainly irrelevant.

The website alone is cause for complaint.

[DonkeyB]

The website alone is cause for complaint.

 

It is appalling. I’m sure it contravenes plenty of OFT guidelines and is designed to intimidate.

[cerberusalert]

It is appalling. I’m sure it contravenes plenty of OFT guidelines and is designed to intimidate.

 

+ it doesn't provide any licence or registration no.s.

[rameses_qc]

Yes, I'm of the opinion it's designed to cause maximum fear and discomfort, although I doubt OFT/Trading Standards would agreeDoorstep visit? Without an appointment? Directly contravenes OFT Guidelines. They're so full of their own importance it makes me howl!!!

[victoria_siempre]

Hi rameses

 

However they do helpfully provide a Freepost address:

 

FREEPOST RSRB-RXKU-UJTR

Motormile Finance UK Ltd

322 Harrogate Road

Bradford

BD2 3TB

 

x

 

v

[DonkeyB]

Looks like a residential address above a cafe!

[losingmymind]

Thanks for all your replies. Before I phoned last week I did a little digging around the internet and got the impression I wasn't dealing with any old DCA like I've dealt with and fobbed off before. It is the Bradford outfit chasing me. I feel like I'm in a minefield. How do I deal with this?

[losingmymind]

Dug out the letter from MMF again (sorry haven't got the facilities to copy this and put it online) and on closer inspection it says:

 

" We will shortly be passing this account to our Field Collections team, but would invite you to contact us to discuss settlement of the account within the next 5 working days"

 

Letter was dated 10th March 2011

Field Officer turned up 13th March 2011 (Sunday evening)

Letter arrived 15th March

 

Definitely goes against OFT guidance.

 

Do I have a legal leg to stand on to challenge their practices?

 

Thanks again

 

PS. Only number on the letter is their company number 006637307. No other licence numbers.

Edited March 22, 2011 by losingmymind
Adding PS

[cerberusalert]

That number is neither a company reg no., nor a FSA one either.

[losingmymind]

The small print at the bottom of the letter says

 

"MMF is a trading division of Motormile Finance UK Ltd, a company registered in England with company number 006637307". So they're b*s*ting? Wouldn't surprise me, given the experience thus far.

[DonkeyB]

It’s 06637307 and it’s valid.

[cerberusalert]

I can't find a FSA licence for Motormile Finance UK Ltd.

[losingmymind]

Just been reading through all the posts again and am confused. Where do I go from here? I'm thinking I need to write to MMF now and definitely not call. Are there any legal challenges I can make based on the info provided by you all here? Does requesting the CCA apply for something taken out in 2009 and does it work for an internet application, which hasn't been physically signed? I've read so much on this forum generally that I got the impression the important date for CCA challenges is pre-2007. I may be wrong and have got it confused. So, what heavyweight legal jargon can I throw at them to push them away, if at all poss? Many thanks.

[teaboy2]

They do have a credit license, also bear in mind we do not know who the owner of the the dissloved company was, so it could simply be the case that Mr Barnaby Page was nothing more than a employee of the dissolved company. I certainly can not see the OFT issuing the below License if he was the owner of the previous company. So i suspect there is no connection between the two companies other than him being an employee and using a similar name knowing the previous one had been dissolved. Am not defending them or debt collectors in general as you all know, by know, what i truelly think of them. But i would advise against making false complaints against them that could be seen as libel.

 

 

 

Application / Licence Details

 

 

Licence Number:0628173

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberMotormile Finance UK Limited06637307

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

MMF-Leasing Money Xpress Motormile Mortgage

 

Issued Date: 30-Jun-2009

Date Maintenance Payment Due: 29-Jun-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionBarnaby Edward Page Neil Anthony Petty

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddressCorrespondence322, Harrogate Road, BRADFORD, West Yorkshire, BD2 3TB, United KingdomPrincipal Place Of Business322, Harrogate Road, BRADFORD, West Yorkshire, BD2 3TB, United KingdomRegistered OfficeSanderson House, 22, Station Road, Horsforth, LEEDS, West Yorkshire, LS18 5NT, United Kingdom

[teaboy2]

Just been reading through all the posts again and am confused. Where do I go from here? I'm thinking I need to write to MMF now and definitely not call. Are there any legal challenges I can make based on the info provided by you all here? Does requesting the CCA apply for something taken out in 2009 and does it work for an internet application, which hasn't been physically signed? I've read so much on this forum generally that I got the impression the important date for CCA challenges is pre-2007. I may be wrong and have got it confused. So, what heavyweight legal jargon can I throw at them to push them away, if at all poss? Many thanks.

 

 

Yes send a CCA to Quick Quid, chances are like most payday lenders, the agreement will not be enforceable. Plus it will more likely show the amount your applied for and not the amount you actually received as a loan.

[steve15640]

Im in the same position, just been receiving emails from Barnaby Page at MMF for an old Quick Quid Debt, If i dont contact them within 5 days, they are passing to their Field team ..............

[dx100uk]

core bet you're worried....not

 

dx

[Bazooka Boo]

Ooh "Field Team" wonder if their all a flock of sheep??

[The GodMother]

LOL. that must be scary. Tell them were to go l would. Anyway ask them if the grass is patchy on the other side. It will confuse them for a little while.

[hillards]

How did they 'see through' the 141 to lift the number I had called from?

To go back to the original question...

 

I don't want to go into great detail as I'm sure some DCA's who are regular visitors to CAG would delight in the sort of systems I've been dabbling with. I've been involved in setting up telephone services were this can be done, the withheld number can be found in call reports. It only available on certain business lines and the customer has to make a declaration relating to the use of the information.

[Bazooka Boo]

To go back to the original question...I don't want to go into great detail as I'm sure some DCA's who are regular visitors to CAG would delight in the sort of systems I've been dabbling with. I've been involved in setting up telephone services were this can be done, the withheld number can be found in call reports. It only available on certain business lines and the customer has to make a declaration relating to the use of the information.

 

Now that is interesting!

And is extremely questionable, unless this procedure is used for the security of the state, anti terrorism, emergency calls etc, then it will be very very illegal as it is an invasion of privacy.