Re: Motormile Finance DCA- Doorstep Visit **

[warf25]

Hi

Not sure this is the correct forum but hopefully someone can help. My hubby (who is severely disabled, I am his carer) got a letter from EquiDebt today threatening a doorstep visit from one of their operatives regarding a debt of £272.25 to a company called Motormile, who we had never heard of. When I looked the company up online this forum came up and in some ways we are now more confused.

 

From what I have read Motormile is another debt collection company (so why are they using EquiDebt??) and they deal with debts owing to a company called QuickQuid, who we have never heard of never mind dealt with and certainly havent been chased by regarding any outstanding debt.

 

The only thing I can think of (and this is why I am reluctant to contact them) is that EquiDebt are fishing for confirmation the my hubby lives here as they have been trying to chase him recently over an old debt from 2004/2005 when he became disabled which I have been ignoring as it is now statute barred.

Are these companies connected in anyway and does anyone have any ideas how would be best to deal with this. My hubbies credit reference is bad enough already without the possibility that someone may have taken out a payday loan in his name.

 

Many thanks

[42man]

Hello Warf, I have moved your post to its own thread, that way it won't get 'lost' You mention hubby;s credit record is 'bad enough' if so then it may be another more recent debt.

 

If your hubby has never had any kind of payday loan, and any other debt is statute barred then you don't have anything to worry about.....I suggest sending this letter recorded delivery - http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

Alternatively if he isn't 100% then this one - http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

There may also be a chance that fraud could have taken place too..in either case you will probably find out with the response from one of the letters above. Keep us posted. Don't speak to them on the phone unless you can record it.

[warf25]

Hi 42man

Thanks for that, I will give it a try. I was just loathe to contact them in case it started all the other rubbish up again. My hubby and I did take out an emergency payday loan out about 6 months ago for 2 days which was paid back on time as soon as the funds were clear (ill dog needed vet, lol) but that was with wonga anyway. Neither of us have had credit other than that since 2004 as we couldnt get it even if we wanted to.

Are EquiDebt & Motormile connected though, just wondering why one debt collection agency would use another to try and chase a debt. Especially if they hadnt even tried themselves.