Advice needed on next steps with Motormile finance

[BRIGADIER2JCS]

If ''Mike'' should turn up ''invite'' him to leave or he will be removed.

[toshyboy]

If ''Mike'' should turn up ''invite'' him to leave or he will be removed.

 

Cheers Brig - Fully prepared to tell him where to go if he does turn up. Dont think they will though as i've had no post to either where I am now or to my parents where I was 5 years ago when I got UB loan.

[BRIGADIER2JCS]

Cheers Brig - Fully prepared to tell him where to go if he does turn up. Dont think they will though as i've had no post to either where I am now or to my parents where I was 5 years ago when I got UB loan.

 

They are very unpredictable so take care!!

[toshyboy]

hi guys - Needless to say no doorstep visit arrived, however I have today received the first piece of written communication despite numerous e mails over the last few months. The letter was sent to my previous address where I havent lived for 5 years:

 

Dear Mr X

 

You have failed to provide an agreed appointment date for a home visit.

 

As such your account has been placed on our home visit schedule and an agent will visit you at home until they meet with you.They will also make a report on your living standards and any assets that may be available for seizure should legal action prove necessary and bailiffs instructed.

 

If you want to resolve this matter without further action please contact our office to discuss your account. We would remind you that we are prepared to discuss instalment arrangements or, alternatively, a lump sum settlement discount.

 

This letter should be taken as formal notice that we have attempted to agree a mutually acceptable appointment and have been unable to do so through your lack of contact. This fact will later be replied upon at court on the question of legal costs, should legal action prove necessary.

[toshyboy]

My family at the previous address called them and told them im no longer at address and not to send further communication.

 

Im not keen on replying (although im dying to) to be honest until I receive written communication at my current address. I would imagine that'll be the next step they take as they should be able to trace me.

[BRIGADIER2JCS]

Another load of bowloks to go in the complaints file!

[sillygirl1]

Go to the OFT and FOS.... that letter breaches OFT Guidelines in Debt Collecting, it is threatening something they cannot legally do.

[BRIGADIER2JCS]

My family at the previous address called them and told them im no longer at address and not to send further communication.

 

Im not keen on replying (although im dying to) to be honest until I receive written communication at my current address. I would imagine that'll be the next step they take as they should be able to trace me.

 

Let me know and I'll draft a letter for you!

[meols cop]

hi guys - Needless to say no doorstep visit arrived, however I have today received the first piece of written communication despite numerous e mails over the last few months. The letter was sent to my previous address where I havent lived for 5 years:

 

Dear Mr X

 

You have failed to provide an agreed appointment date for a home visit.

 

As such your account has been placed on our home visit schedule and an agent will visit you at home until they meet with you.They will also make a report on your living standards and any assets that may be available for seizure should legal action prove necessary and bailiffs instructed.

 

 

If you want to resolve this matter without further action please contact our office to discuss your account. We would remind you that we are prepared to discuss instalment arrangements or, alternatively, a lump sum settlement discount.

 

This letter should be taken as formal notice that we have attempted to agree a mutually acceptable appointment and have been unable to do so through your lack of contact. This fact will later be replied upon at court on the question of legal costs, should legal action prove necessary.

I got one exactly like that on Sat. What should I do?

[dx100uk]

laugh!

 

dx

[sillygirl1]

Get it to the OFT....

[renegadeimp]

My god that response is funny. Makes you realise that they have complete contempt for regulation and law. Please make sure you send that to the oft.

[BRIGADIER2JCS]

I got one exactly like that on Sat. What should I do?

Hi Share this letter:

 

Private and Confidential

For the Personal Attention o:

Mr Robert Sands

Director of Compliance

MMF Ltd.,

 

 

Ref: use theirs.

 

 

Dear Mr Sands,

 

I refer to a letter dated xx xx xxxxx regarding an ''arrangement'' for an agent to visit me at home TAKE NOTE NO SUCH VISIT WILL BE TOLERATED any attempted visit WILL result in the agent being removed from my property.

 

The content of the letter (copy attached) obviously points to the writer being delusional regarding their

status and authority suggesting that ''they will assess my property and goods that may be sold etc is arrant nonsense as you must be well aware.

 

Should MMF escalate the matter to legislation the court will be made aware of this letter and the conduct of MMF Ltd.

 

I am immediately reporting this matter to the OFT pointing out MMFs flagrant disregard of the Guidance on Debt Collection 2003 updated Nov.2012.

 

For clarification All permissions explicit or implied for any agent, representative or employee of MMF Ltd are withdrawn.

 

I am aware that MMF Ltd has made a ridiculous claim that the above does not apply to an its employees or agents another delusion I am happy to dispel.

 

Send Recorded/signed for delivery.

Edited May 22, 2013 by BRIGADIER2JCS

[DawnyDaviau]

Hi all,

 

I get texts on my mobile from them and they say I need to contact them to avoid a house visit. Problem is I do not have any debts!

Nearly 2 years I moved from The Netherlands to the UK and also in the Netherlands I do not have any debts!

 

Now my question is: do I still contact them and let them know they have the wrong person or do I ignore with the chance they stand on my doorstep one day?

My mobile number is a new contract from March so I think it has been in use before.

 

Kind regards,

Dawny Daviau

[BRIGADIER2JCS]

Hi Welcome to CAG,

Have you checked UK credit reference files yet, if not it would be a wise move to do so.

 

Do NOT phone or e-mail them, this company is notorious for making outlandish and meaning less threats.

I suggest the following letter sent by recorded signed for delivery to

 

Mr Rob Sands

Director of Compliance

MMF Ltd.

 

 

Ref: Use thiers:

 

Dear Mr Sands,

 

I refer to sms text messages sent to my mobile phone by MMF Ltd in relation to an agent/representative of your company making a visit to my home, please take careful note of the following points.

 

1. I do not acknowledge any debt to MMF Ltd or any company it may claim to represent.

2. I do not want to make an appointment for any agent, representative or employee of MMF Ltd to visit my home, also all permissions implied or explicit for any such visit are withdrawn.

3. I am aware of the reputation of MMF Ltd and of the claims the company makes regarding 'home 'visits' i.e. that restrictions do not apply to its employees and other I am sure you are aware that such a claim has no merit.

4.I Dawny Daviau Formally state that I have no knowledge of any debt or liability to any UK or European Company or individual.

5. MMF Ltd is reminded that the Office of Fair Trading Guidance on Debt Collection section 3.9 (j) States (deceptive and misleading methods of debt collection)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Hi welcome to CAG.

 

Do not be tempted to contact MMF by phone!!

 

I suggest the following letter sent by recorded / signed

for post.

 

Private and Confidential

 

Mr Rob Sands

Director of Compliance

MMF Ltd.

 

Ref: use theirs:

 

 

Dear Mr Sands,

 

I have been receiving text message from MMF Ltd requiring me to make contact in regard to a 'house visit', please take careful note of the following points.

 

1. I have researched the most unenviable reputation of MMF Ltd, an so all permissions implied or explicit for any representative or agent of MMF Ltd to visit my home are formally withdrawn.

 

2. I am aware that MMF Ltd has attempted to state that such restrictions do not apply to the company, this is of course nonsense, and has no merit, any such attempted visit will result in the removal of said visitor.

 

3.I do not acknowledge any debt to MMF Ltd or any company it may claim to represent.

 

4. I have no knowledge of any debt/liability to any UK Company, therefore any claims MMF ltd may make are totally refuted.

 

5, Given the information above I Dawny Daviau am NOT the debtor you seek.

 

6. I remind MMF Ltd of the OFT Guidance on Debt Collection 2003(as amended) section 3.9( Misleading debt collections practices) (j) States :' Requiring an individual to prove that he/she is not the debtor that owes an outstanding debt'.

 

I now require MMF Ltd to CEASE all Contact with me by ANY Means and to remove ALL data relating to me from its records and all Credit Reference Agency to which this incorrect has been reported.

 

Please be aware this company believes that laws and regulation to not apply to it, and will tend to make the most unjustifiable and nonsensical threats as to what it can do.

 

Check when they receive the letter.

[DawnyDaviau]

Thank you for your reply.

 

Have you checked UK credit reference files yet, if not it would be a wise move to do so.

 

I would not even know where and how to.

 

As said I have no debts at all and I have 2 mobile contracts and both are in a good standing order (never paid too late and still in use with a contract) so they can not have a claim on me.

Rent, water, housing tax, internet etc. all is paid for and not once skipped a payment or paid too late. I never have received a letter by post just these sms's on the mobile.

 

I send them the letter and thank you so much for it!

 

I assume not to give them my house address in the letter since they get the ref number in those letters?

 

Kind regards,

Dawny

Edited July 9, 2013 by DawnyDaviau
Spelling

[BRIGADIER2JCS]

Hi, They will all ready know your address without a doubt Dawny, so there is not much point in with holding it I'm afraid.

Please let me know how this works out, we are amassing data about MMF Ltd for a mass complaint about its unreasonable

conducts.

Brig.

[DawnyDaviau]

I just had another sms and this time with a name and it is not mine! I will add that name to the letter with a note that phone number is in use by me.

[BRIGADIER2JCS]

I just had another sms and this time with a name and it is not mine! I will add that name to the letter with a note that phone number is in use by me.

 

Hi Dawny seems to me that your new mobile number may be a recycled one, may be worth changing it!

[toshyboy]

My family at the previous address called them and told them im no longer at address and not to send further communication.

 

Im not keen on replying (although im dying to) to be honest until I receive written communication at my current address. I would imagine that'll be the next step they take as they should be able to trace me.

 

Hi Guys

As stated above I've ignored their e mails until i get something in writing at my current address. Think that is imminent however after receiving below e mail late last night:

Failure to Respond - Notice

 

Reference: XXXX

 

Despite previous correspondences you have failed to respond to our company. We have obtained an alternative residential address as a financial link, linking the address to your previous abode. This financial link was supplied by a credit reference bureau. We will be writing to you shortly.

 

We are unaware of any legitimate reason for non-payment of this account and although we would prefer an amicable settlement, we will not hesitate to take such further action as may be appropriate.

 

We trust this will not be necessary and would request that you send you payment within the next 10 days.

 

If you have recently forwarded payment or if there is any issue that you would like to bring to our attention then we would ask you to contact this office immediately by telephone on 0844 770 9583.

 

Important: If you are not the named person above please contact us quoting Address ID «contact0con_id» to stop any further communication.

 

Yours faithfully,

 

MotorMile Finance UK Ltd.

 

I've checked noddle and theres no record of any search on me

[renegadeimp]

Its just a silly scare tactic. If they had anything solid they would have put it in writing. Not to an email that could have been out of use for a considerable amount of time

[BRIGADIER2JCS]

You will need to check Equifax or Experian the search is unlikely to appear on Noddle for some time if at all.

[sillygirl1]

I'd send them a sarky reply back in the same mode (used to work with another DCA)

 

I am unaware of any alleged debt with your company, clients, affilliates or associates and wonder why you are writing to me.

 

The email you sent breaches the OFT Guidelines in debt collecting and I therefore need a copy of your complaints procedure. If I do not receive this within 3 days I will contact the OFT.

 

Until I receive a letter from you clearly stating what alleged debt you are seeking payment for I will not reply to any communication, be it by phone or letter, and revoke the right for you to send a doorstep collector to my premises.

 

Send that back to them.

 

Don't forget to write to Rob Sands, who is their data controller.

[toshyboy]

Hi guys

They've finally written to me at my home address:

 

Debt Balance: £242.58

Debt - Uncle Buck assigned to MMF

NOTICE OF POTENTIAL ACTION

We note with regret that you have not responded to our last letter giving you legal motice that MMF now owns Your Debt. As such we are now peparing this matter for further action.

Please provide your repayments proposals within the next 5 days, failing which we reserve the right to pass this matter to our Home Visit Dept.

Please be advised that all of our operators here at MMF are ready and waiting to discuss the matter with you in an attempt to find a realistic solution towards repaying this debt. You will find us helpful and ready to listen.

However unless you contact us to discuss the account, then there is little option open to us other than to arrange a Home Visit with a view to assessing your finances and living standards.

 

Alternatively visit our website.

 

We look forward to hearing from you.

 

Yours faithfully

 

MMF

 

Im in 2 minds as to what to do now. Ive always said I'd ignore until i get mail to home address. Now I have im not sure whether to continue ignoring, send a CCA request or an implied right of access letter.

 

I'd really appreciate your guys' help and opinions.

 

Thanks

[dx100uk]

its really just will waving

 

does say will anywhere I bet.

 

dx