Motormile Finance Harrassment - New thread

[sillygirl1]

This company has sent me three texts from three different numbers, and I've had a pre-recorded message asking me to ring them.

 

I've rung them (I know I shouldn't but I love to wind them up) and they can't identify me due to the wrong address they have (an address I moved out of nearly 4 years ago!).

 

The debt they are chasing must either be nearing statute barring (as was a previous debt they gave up on) or a mistake as I know I haven't had any loans in over four years.

 

It is the text messages (3 in under 24 hours, and the phone call) that I am annoyed about, I've asked for a copy of their complaints procedure and will be following it up.

 

When you phone them on 01138876876 you are told they can 'offer various solutions including a substantial discount, loan or payday loan (oh yes, they state this clearly) to help pay for the debt. - Major breach of OFT Guidelines here.

 

Just as well I am a seasoned CAGGER and able to get their poor phone jockey to tell me off as she can't control the call herself and I refuse to give out my previous address.

 

Shows that they do NOT employ proper tracing methods otherwise a cross check of their own system would have found me easily here - I last had dealings with them in November and they ran away then!

 

Complaint to the OFT coming up as soon as I have complained to them first!

Edited June 30, 2013 by citizenB

[renegadeimp]

Or just ignore them as nothing has been put formally in writing. Just be glad you're not dealing with PDL's anymore. SOme of them are texting and phoning up to a dozen times a day total.

[Jamesx81x]

Having same problem, automated text messages at work for all to hear, very embarrassing and certainly harassment. Asked them to stop but no effect.

 

Can you take action through the courts to stop them on grounds of harassment and breach of DPA? If so what form is it?

 

Thanks

[sillygirl1]

1Yes, here is the history to date - never a mention of a company I have actually dealt with.

 

First contact by text 10.45 on 21/02 (last Thursday)

Second contact by text 13.10 on 21/02

 

That was when I telephoned them...... and they could not identify me from my current address where I have been for four years.

 

Recorded telephone message at 11.53 - spoke to Charlotte and asked for copy of complaints procedure

Further text received 11.56 on 22/02 stating it is very important to contact them

 

Recorded telephone message at 10.55 on 26/02 - again spoke to person and said complaints procedure requested and stop calling

Text message received 26/02 - tried replying telling them to stop but message rejected

 

"You have chosen not to respond" text message received today at 16.43

Recorded telephone message 16.42 today - again spoke to them and told them to stop - again Charlotte couldn't identify me from current address

 

I think by now they must be really having a laugh - I have told them my situation and they haven't got a hope in hell of me letting in one of their 'representatives'

 

Does anyone else think this is excessive contact especially as they cannot link the address to me.

[sillygirl1]

Think something is very funny about their Phone - Doorstep - Legal details, most of the legal stuff they could not do without somebody first defaulting on a CCJ

 

http://www.mmile.com/collection.html

 

I've used the details on the site to lodge an email complaint to them and told them on the phone their conduct is going on the internet.

[unclebulgaria67]

A previous compliance manager from Mackenzie Hall is now with Motormile ! This sounds all very familiar with Muckies way of doing things.

[sillygirl1]

I've seen off Muckie Hall many a time, I think I will write to the Compliance Manager and state my case. I believe it is Rob Sands?

[unclebulgaria67]

Yes it appears Rob Sands is compliance director.

[Feebee_71]

A previous compliance manager from Mackenzie Hall is now with Motormile ! This sounds all very familiar with Muckies way of doing things.

 

That wouldn't be the same former compliance manager of Mucky Hall that is also a director of MRS (Mercantile Recovery Solutions) now would it??

 

Funnily enough I find his new company are just as guilty of behaving in the same manner as I wrote to him about from Mucky Hall. Obviously they don't think people will complain about them as they are a new company!!

 

Feebee_71

[Feebee_71]

Be warned, it may no longer be Rob Sands - he now signs the letters that were arriving at my address from a company called Mercantile Recovery Solutions!!

 

Perhaps he got fed up with dealing with people's (justified) complaints about the behaviour of Mucky Hall!!

 

Feebee_71

[sillygirl1]

Well, after the last lot of harrassment I haven't had a copy of their Complaints Procedure - no surprise there.

 

Don't know if it was them but I received a rather suspect text yesterday from a mobile number

 

Your credit records show that you still have an outstanding debt and we will need to write off at least 70%, for us to do this ASAP reply DEBT.

 

Of course I did not text back DEBT to that just in case the idiots took it as acknowledgement of alleged debt!

 

I reported the email to my phone provider (02, on their spam text service 7726) so hopefully they can do something.

 

If anything comes in the post today I will report back and scan in a copy.

[sillygirl1]

No complaints procedure letter received but phone call and text received

 

Phone call was pre-recorded "We need to arrange a home visit by one of our representatives. Please call us urgently on x quoting reference x" at 11.51

 

Text received "You have chosen not to respond to us (I have - you are chosing to ignore me!) Please call us urgently on x , MMF, quoting reference x" received 11.55

 

How I wish I could call and text them every half hour with "I have responded, you cannot connect me to alleged debt so leave me alone".

[sillygirl1]

Still no Complaints Procedure but another recorded message to contact them to let a representative visit my home left today.

 

This lot need some serious re-training.

 

The home they want to visit I left over 4 1/2 years ago and the one before that is 7 years!

[Jimmy99]

Send a complaint to the CSA daniel.spenceley@csa-uk.com.

They are a bunch of wasters and have been reported to the OFT

 

Oh BTW they will try to tell you that the law pertaining to stealing your doorstep doesn't apply to them

[fletch70]

Be warned, it may no longer be Rob Sands - he now signs the letters that were arriving at my address from a company called Mercantile Recovery Solutions!!

 

Perhaps he got fed up with dealing with people's (justified) complaints about the behaviour of Mucky Hall!!

 

Feebee_71

 

Rob Sands left MH to set up MRS. He then left MRS and became compliance director at MMF who then bought MRS in Feb of this year.

All sounds a bit incestuous to me.

[sillygirl1]

Formal Complaint going out in post today (have to go to post office anyway) so I can get a proof of posting.

 

Idiots seem to think that they can help me by 'giving a generous discount, payday loan or other loan to help clear debt'.

 

Sorry but after being relatively loan and debt free (other than electricity bill - another story) I am not falling back onto the bandwagon.

 

Besides I am not sure of what part of 'I am unemployed, have no assets, and no money' they would like translated into a language they understand.

[Feebee_71]

Rob Sands left MH to set up MRS. He then left MRS and became compliance director at MMF who then bought MRS in Feb of this year.

All sounds a bit incestuous to me.

 

Doesn't it just!!

 

Thanks for explaining it to me

 

Now I'll just wait for MMF to write to me in the same way that MRS did once he'd moved away from MH last year - letters demanding money but nothing saying they'd acquired the account or been assigned to collect on either MH's (or for that matter the OC's) behalf!!

 

Feebee_71

[Feebee_71]

Formal Complaint going out in post today (have to go to post office anyway) so I can get a proof of posting.

 

Idiots seem to think that they can help me by 'giving a generous discount, payday loan or other loan to help clear debt'.

 

Sorry but after being relatively loan and debt free (other than electricity bill - another story) I am not falling back onto the bandwagon.

 

Besides I am not sure of what part of 'I am unemployed, have no assets, and no money' they would like translated into a language they understand.

 

Ahh, but did you try writing it in crayon on that printer paper with holes along the edge a-la every infant school class in the 1970's??

 

If not, perhaps that's the language they understand!!

 

Feebee_71

[sillygirl1]

Very tempted to print it out in that style, with, of course, the well hackneyed phrase "Valid even if not read by you!"

 

I've still got the voicemail left yesterday.

 

I did receive another text on Saturday from another mobile number, they are being forwarded to my phone providers spam number!

 

I wonder if it was them who sent the 'Your credit records show you still have an outstanding debt and we will need to write off at least 70%, for us to do this ASAP reply DEBT' message, that too was forwarded to the spam line.

[sillygirl1]

Just received yet another "You have chosen not to respond" message from another mobile number at 8.41!

 

Their little ears must really be burning now.

 

I think it should be illegal for debt collecting companies to bombard you with messages when you HAVE responded and they cannot match you to the address they have.

[Jimmy99]

Formal Complaint going out in post today (have to go to post office anyway) so I can get a proof of posting.

 

Idiots seem to think that they can help me by 'giving a generous discount, payday loan or other loan to help clear debt'.

 

Sorry but after being relatively loan and debt free (other than electricity bill - another story) I am not falling back onto the bandwagon.

 

Besides I am not sure of what part of 'I am unemployed, have no assets, and no money' they would like translated into a language they understand.

 

I can think of a few ways you could say it but I am not sure the site filters will let me type it lol you can always email it to barry@mmile.com (barry Ellershaw) neil@mmile.com(neil petty) as well as post it.

 

I would email the CSA as well and bang in an email to the OFT fitness to hold a licence (won't do any good by itself as I am sure you know but.....)

From what i have seen there are good(as a dca can be) inept (such as Westcot ) and down right crap and unfit who ignore all regulations and guidance such as MMF

[toptrapper]

Jimmy99? What kind of investigation did the CSA undertake? As a trade body, i found them ineffective and pretty much agreed with what the DCA told them? Which, strangely enough when referred to FOS who upheld the complaint disagreed with the CSA and DCA??

[Jimmy99]

Well in the case i know about they said that they were going to reiterate to MMF that they should be absolutely clear in what they say (they had said that they may apply for a CCJ and WHEN it was granted they would blah blah blah)

 

They also fluffed around the issue of doorstepsbut did say they wouldn't turn up without an appointment even after MMF had said they could turn up when they liked

[toptrapper]

So, fairly pointless then? They're a trade body, set up by the members to represent their members. In my experience, the time spend complaining to the CSA would have been better spent raising the conduct of the DCA to FOS and the OFT.

[Jimmy99]

Not entirely pointless as MMF had refused to acknowledge my complaint but have now done so with a final response. This gives me more ammunition to use when sending the the Fos who are not always the brightest bunch of people (from personal experience). It also very quickly shut them up