Advice needed on next steps with Motormile finance

[nonymouse]

I have been getting aggressive phone calls and texts from Motormile finance for several weeks, which I am dealing with using a telephone harrassment letter.

 

I have today received the following email:

 

Our Ref: xxxxxxxxxxx

Uncle Buck Payday Loans

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 Contact us NOW on: 01138 876 876. Quoting reference xxxxxxxx

Yours Faithfully,

 

Pre-Visit Collections Dept.

MotorMile Finance UK Ltd.

 

Now, I know the doorstep visits thing is a threat they can't actually carry through, and if they do I am well-equipped to deal with it. However, I am pretty certain this debt is statute barred or if it's not, it isn't far off. There's nothing on my credit files about it yet. How do I prevent Motormile from putting defaults on my credit file now for a debt that I defaulted on several years ago - they can't do this, can they? I'm almost at the point of getting my credit files cleaned up and free of old debts, so I really can't afford to have Motormile registering somthing that's going to stick there for six more years!

 

Any advice would be greatfully received.

[BRIGADIER2JCS]

MMF DO make door step visits!

Check your credit reference files for the status of the debt, remember the default date can be up to 5 months afetr the date of the last payment(SB DATE)

 

My guess is this is already defaulted and on CRA files.

[nonymouse]

There is no reference on my credit files to the debt.

[dx100uk]

then two words,

 

bugger off!!

 

dx

[dx100uk]

your text is not alone

 

i've moved you to the MMF forum

 

you'll see that lots of people get them

 

dx

[nonymouse]

Thanks for moving - I'll take a look at the rest of the threads later.

[toshyboy]

hi all - i had the same e mail as the op y'day. Again i have no reference to the debt on my cra files and am now worried about getting a recent default, just as i was repairing my credit score nicely

 

Can anyone offer me some advice as to what to do next - i dont want them knocking on my door which i believe they do actually do and more importantly i dont want them reporting on the debt on my file.

[dx100uk]

they cannot magically create an account and default you on it.

 

dx

[toshyboy]

they cannot magically create an account and default you on it.

 

dx

 

hi dx

i was chased by carter forbes for it but just ignored them and they went away - dont like what im reading on mm though, ive seen in other threads they do carry out their threat of doorstep visits and do default accounts after buying them up some 4/5 years down the line

[renegadeimp]

Doorstep visits are easily dealt with tho. I either let my dog out the side door if one calls, or i just stand in the doorway face to face with them. They soon shift.

[dx100uk]

dont confuse a DCA with a BAILIFF

 

they have NO SUCH LEGAL POWERS

 

your CAT has more

 

as for 'marking' your CRA file

 

if the debt is not already their under THEIR NAME

they cant marker it

nor can they create a phantom account.

 

dx

 

dx

[toshyboy]

dont confuse a DCA with a BAILIFF

 

they have NO SUCH LEGAL POWERS

 

your CAT has more

 

as for 'marking' your CRA file

 

if the debt is not already their under THEIR NAME

they cant marker it

nor can they create a phantom account.

 

dx

 

dx

 

if they have purchased the debt can they then mark as default despite the 4/5 years that have passed?

Thanks

[dx100uk]

only if the account already shows on your cra file.

 

dx

[toshyboy]

only if the account already shows on your cra file.

 

dx

 

no there's definitely no entry for Uncle Buck

[renegadeimp]

Then they cant add it. It's just a threat.

[toshyboy]

feel a bit better now then - just the doorstep threat to deal with but if that happens can easy enough tell them where to go

[renegadeimp]

Treat the doorstep muppet the same as you would treat anyone else that comes, who you didnt want to be there. If they refuse to leave your property, then tell them you will call the police, or do what i do. Let the dogs out in the garden, or if you are big enough, grab the guy and firmly remove him. If you choose the latter, be careful as they could claim that you attacked them. However, they would need proof.

[dx100uk]

a part ofcag is getting people with the same issue to the same areas to 'hold-hands'

 

MMF have in the last year progressed from a annoying fly

to upping their game

sadly, they did read the rule book

 

the more examples we get

the bigger the threads here grow.

 

we know the regulators etc look at these forums.

 

the more threads in one place on the antics of a company

the more notice they take.

 

that process is now underway.

 

dx

[toshyboy]

cheers guys as always yous help me out no end - theres nothing worse when u get one of these communications through with the numerous threats if like me ur a worrier. Everytime i post on here theres always a really quick response with good advice.

Its good to know im not alone. Thanks for your help

[nonymouse]

Just to update I've had an email today telling me my account is being prepared to be passed on to the Doorstep team. I have sent the doorstep collection letter. I have also saved the 17 increasingly-threatening texts I have had in the last 4 days, and will be keeping them incase I need to report motormile to the OFT.

[renegadeimp]

Incase? you SHOULD be reporting them. 1 harassment letter is enough. Never mind 17.

[BRIGADIER2JCS]

Just remember you DO NOT have to discuss any financial matters with an itinerant oik who turns up univited at your home.

Should this happen ''invite'' he/she/? to leave immediately, if they don't go call the police.

[toshyboy]

Hi Guys

 

I too have had an e mail today

 

Dear Mr XXXXXX

 

HOME VISIT- Pre-Appointment Notice

Our Ref:XXXXXXX

Uncle Buck Payday Loans

Debt Value: £XXXXX

 

We note that we have not heard from you in response to our earlier communications.

Your file is shortly scheduled to be transferred to one of our Home Visit Divisions.

 

We are happy to try to resolve this matter without conducting a Doorstep Visit and would ask you to contact us by telephone or email to discuss repayment terms.

 

Please note that if we do not hear from you, then you will be visited to assess your personal circumstances with a view to passing your account to our Legal Department.

 

We would, lastly, advise that if you are able to make a lump sum settlement offer, then we would be willing to allow a 25% discount on the outstanding balance and to waive the default costs and interest that have not yet been added to your account balance.

 

Please contact us urgently on 01138 876 876 quoting reference XXXXX Unless we hear from you within 5 days, then your account will be prepared for transfer to the Home Visit Division.

Yours faithfully,

 

Doorstep Collections Dept.

MotorMile Finance UK Ltd.

 

Really unsure as to what to do with these lot - on one hand want to ignore them but on the other want to write and tell them not to come to my home. Im worried i may "activate it" as such if and when i make contact.

As it stands ive ony had e mails (although i have changed address and phone number since the debt occured).

Is there some sort of pre-visit protocol they have to follow such as writing to me? Im thinking they may not have bothered tracing me on £200 debt and are simply banging a few e mails out on a fishing trip.

[BRIGADIER2JCS]

You DO NOT have any obligation to discuss financil matterr with an unknown itinerant agent of any company, should anyone call ''invite'' them to leave immediately.

 

Calln police if they are threatenin or don't go.

[toshyboy]

You DO NOT have any obligation to discuss financil matterr with an unknown itinerant agent of any company, should anyone call ''invite'' them to leave immediately.

 

Calln police if they are threatenin or don't go.

 

You think I should just ignore the e mail then brig?