door collections - motormile

[radiogirl1012]

Hi My problem with motormile is i had a loan out and i thought i paid it all ok as paid wda£260 on a. £150 loan. Now motormile say i owe them £350 I have received a Phone call saying they are now sending doorstep collection

What can i do beside pull my hair out

[dx100uk]

nothing!!!!

 

no ruddy tinpot doorstepper has ANY legal powers

 

you CAT has more rights

 

do some reading in this forum

 

dx

[radiogirl1012]

I received another email from motormile stating they are preparing a default and info is being sent to 3 major credit companies and doorstep collection Will call, also they are adding interest to the bill so i will end up paying more. Am i right to take this just as a threat or what action should i be taking. As i thought that they couldn't increase

[dx100uk]

threat-o-gram

 

dx

[radiogirl1012]

It was followed by a text asking me to phone them. They must know my email better than me as they use it every day at the moment

Edited March 2, 2012 by radiogirl1012

[Jamesx81x]

They like to send emails headed 'Deafult Notice' proceeded by a sentence stating how much they think you owe and to contact them.

 

Load of rubbish to put it simply

 

They can rant and rave and make silly little threats all they want but util the follow the correct line of enforcement ignore them.

 

More to the point have you got your agreement with WDA and what was the total amount payable? That is what you need to establish as if you have paid in ful no body should be chasing you.

 

James

[radiogirl1012]

No i haven't unless it still on my emails. I told them that they can't send someone around without an appointed time and since then they have gone silent.

[radiogirl1012]

What is the correct line of enforcement. I have asked them for the agreement and they reckon they sent it still waiting

[radiogirl1012]

I have found my emails and agreement and it states to repay £187. I have paid £262.50

[dx100uk]

then enough is enough

 

let them wave their arms around

 

dont fall for the threats.

 

if they've added PENALTY fees then they can go swing see yo in court

no PDL has ever gone to court to enforce a debt inflated with penalty charges

too scared of a counter claim.

 

dx

[Jamesx81x]

Did you pay it straight back or have they added charges to the loan?

 

Correct enforcement by the way is a default notice in the perscribed form then to take you to court afterwards but as said above thats something they will not do.

[radiogirl1012]

I paid in 7 installments i cannot see why i should pay over 3x the original agreement repayment.