MMF disclosed my name to work switchboard following automated call !

[Flo77]

I had an email to my hotmail on 15th March asking me to contact the 'home visits team' to arrange an appointment. I didnt see this until last week as its an old email address. There was another email dated 18th March stating as I hadnt responded a doorstep agent would visit me anyway. No company name was given, no contact, no company footer or details of what they wanted, nothing but a reference that means nothing to me. I googled the 'phone number and linked it to Motormile finance UK Ltd.

 

I replied to their emails upon receipt on 23rd March asking them to write to me detailing what they wanted and sent the usual ,I acknowledge no such debt to your company etc, do not phone and the doortep visit letter etc etc. I told them I would make no such appointment and made it clear to them that I know my rights and wil not be intimidated by them .I also sent copies of these emails by recorded post with a covering letter which has been delivered and I have copies to hand to anyone that calls.

 

I dont know what they want with me as I dont know of any uncleared debts or accounts that I'm not paying.

 

They havent responded to my letter or to my two emails sent to them so I resent them and copied the email to two other email addresses linked to motormile. Still nothing. Today they rang my place of work , it was an automated call which said something along the lines of 'This message is from MMF to inform you that you have not responded to our correspondence and therefore we are instructing our doorstep agent to call on you, if you would like to make an appointment please call xxxxxx. My colleague on the switchboard rang them to explain it was a business number and requested they remove it. They responded by stating 'we are trying to contact xxxxx', giving my name and asking my colleague to pass on a message. My colleague said if it was a personal matter they would have to ring me outside of working hours on a personal number unless an emergency , as is company policy. The person from MMF then said my number would be removed but could take 24 hours so further calls may be received.

 

It was obvious that this was a DCA and they stated doorstep visit etc and then disclosed my name to my colleague. I was honest to my colleague and said I dont know what it is about but it was still embarassing.

 

I've written again today enclosing the stuff already sent and told them I will not tolerate calls like this to my work or anywhere for that matter and told them to write to me.

 

I can see there are threads going back several years re MMF , it seems they dont give up, I'm paranoid that they are watching me or something assessing my 'standard of living' and I dont want them turning up at my house. I'm not scared of them if they do call and know what to say but I could really do without this hassle at the moment. I am worried they may distress my daughter who suffers from anxiety disorder if they turn up at my house while I am out and she is alone or that my neighbours may overhear or that they might call when I am out at work and one of my parents is here as is the case sometimes when my daughter is on school hols.

 

Where do I go from here ? OFT ? Does anyone have an email address for MMF that is actually monitored? I refuse to phone them. If it becomes apparent that I do in fact have an outstanding debt then fine, but I wont respond to threats, intimidation or shady emails. All advice greatly appreciated as always.

[renegadeimp]

MMF do not answer emails or letters. I think you need one of Brigs letters and address it to their Compliance manager.

[Flo77]

Help please . . Reply to email from 'admin clerk' at motormile.

 

They are saying I have an outstanding payday loan with 'uncle buck' for £360 and quote this rubbish below, this is the first communication if had from them detailing who they are and what they want. All of this below is complete lies ! Until the email of 18th march I've never received anything and even then the email only gave a phone number , nothing about who they were or the nature of their business !!

 

 

Dear XXXXXXXXXX

 

 

In relation to your notification of your revocation of the doorstep licence regarding our intention to send an agent to your home to discuss the debt. I can confirm that we are fully aware of this and we ensure that we fully comply with the OFT guidance regarding debt collection and visits by agents. You are not correct in your assertion that, under OFT rules, we can only call at your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked, and we are giving you reasonable notice of the timing of the intended visit.

 

In law, a creditor is in a different position to a postman or a member of the public asking directions. When you took this loan, you impliedly agreed that the creditor could communicate with you to discuss repayment. You do not have the contractual right to revoke that agreement until the loan has been repaid. Yet you have frustrated our attempts to discuss the matter with us either by letter or telephone.

 

We will not disregard any reasonable requests you make as to the timing or method by which we have those discussions. Unless we hear further from you with such a request, we therefore give you notice that our agent will be calling at your home address to discuss repayment of this loan.

 

We will continue to pursue you for the outstanding debt and request that you contact us within the next 14 days with your payment proposals before we take further action to recover the debt. If we do not hear from you, we may apply to your local county court to obtain a County Court Judgement (CCJ) for the outstanding debt. The costs associated with this action will be added to the outstanding debt. Once the judgement has been obtained we could ultimately then refer the matter to the court bailiff to attend your property to recover the debt.

 

We would prefer not to have to pursue this matter through the courts, but your continued refusal to discuss the debt with us, will force us to take the above action. Please contact us on 0800 xxxxxxxxx to discuss your payment proposals. Our collections department is available between 8am and 8pm Monday to Thursday, 8am to 6pm Friday and 9am to 2pm Saturday.

[renegadeimp]

Its the same old crap they normally send out. Hold on for a bit and hopefully brig can advise you further.

[Flo77]

Will do, Thanks very much, not too concerned just more shocked and wound up at the sheer cheek of it ! although I obviously want to get it sorted

[citizenB]

Help please . . Reply to email from 'admin clerk' at motormile.

 

They are saying I have an outstanding payday loan with 'uncle buck' for £360 and quote this rubbish below, this is the first communication if had from them detailing who they are and what they want. All of this below is complete lies ! Until the email of 18th march I've never received anything and even then the email only gave a phone number , nothing about who they were or the nature of their business !!

 

 

Dear XXXXXXXXXX

 

 

In relation to your notification of your revocation of the doorstep licence regarding our intention to send an agent to your home to discuss the debt. I can confirm that we are fully aware of this and we ensure that we fully comply with the OFT guidance regarding debt collection and visits by agents. You are not correct in your assertion that, under OFT rules, we can only call at your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked, and we are giving you reasonable notice of the timing of the intended visit. What a lot of BS - Just because they dont consider there is a dispute is irrelevant - you believe there is one os the revocation applies.

In law, a creditor is in a different position to a postman or a member of the public asking directions. When you took this loan, you impliedly agreed that the creditor could communicate with you to discuss repayment. You do not have the contractual right to revoke that agreement until the loan has been repaid. Yet you have frustrated our attempts to discuss the matter with us either by letter or telephone.

 

Yes you do have that right to revoke. Communication does not imply they can send the heavies round - that is reminiscent of the old Loan shark mentality..

 

We will not disregard any reasonable requests you make as to the timing or method by which we have those discussions. Unless we hear further from you with such a request, we therefore give you notice that our agent will be calling at your home address to discuss repayment of this loan.

 

And what would be the purpose of sending him round ? What is he going to do - you ask him to leave, he has to because he has no rights to be there.. what are they on ? This is simply designed to intimidate and THAT is in breach of the OFT guidelines.

 

We will continue to pursue you for the outstanding debt and request that you contact us within the next 14 days with your payment proposals before we take further action to recover the debt. If we do not hear from you, we may apply to your local county court to obtain a County Court Judgement (CCJ) for the outstanding debt. The costs associated with this action will be added to the outstanding debt. Once the judgement has been obtained we could ultimately then refer the matter to the court bailiff to attend your property to recover the debt.

 

We would prefer not to have to pursue this matter through the courts, but your continued refusal to discuss the debt with us, will force us to take the above action. Please contact us on 0800 xxxxxxxxx to discuss your payment proposals. Our collections department is available between 8am and 8pm Monday to Thursday, 8am to 6pm Friday and 9am to 2pm Saturday.

 

You should however, keep the lines of communication open via letter or email in order to put them on the back foot.

[Flo77]

Thank you citizenB. I was shocked to receive the email today as up until today I had only received these two emails which said

 

Please contact our home visits team to arrange an appointment on xxxxxxx quoting ref xxxxxxx

 

And

 

Message for xxxxxxxx. Please contact us on xxxxxx to arrange a home visit. ref xxxxxx

 

I replied asking what the nature of their business with me was. I resent this yesterday as they didn't respond and got that email this morning. The email today is the first time they've mentioned 'uncle buck' I've received no correspondence from them or 'uncle buck' in the post. They now admit no correspondence was sent so they clearly don't know what they are talking about.

 

I replied to their email of this morning and repeated my right to revoke. I also said that I assume you don't need an appointment at their offices then either as it is ok to just turn up at my house unannounced. They have replied with this (passed to 'admin manager') stating I have been threatening. I did say that they were unprofessional and stressed I would not tolerate such treatment. I also said I would not hesitate in contacting the police if they attended my property and refused to leave and I did say that the person who responded clearly needed to get their facts right before accusing me of ignoring them and as a result I wished to deal with their superior. I said I knew my rights and would not respond to intimidation.

 

Dear xxxxx

 

I have been passed your emails and account to deal with as you have been quite threatening in your manner.

 

Please note a letter confirming the loan went out in the post on 2nd April and should be with you in due course. Should you dispute this debt please do so in writing providing documentary evidence of such dispute to myself and I will investigate this further.

 

Regards

 

XXXX

Administration Manager

 

My manner is threatening !! Unbelievable !!

 

 

I guess I shall await their letter . . .

[Kitten1]

And you will more than likely not get one!

 

I got a notice of (alleged) assignment from mmf via text of all things!

[Sillyboywyn]

Tell them to shove it up their backsides and send round who they want, They are chasing me for a 7 year old debt via email only as i havent lived at the old address for over 6 years. I have told them SB'd and they said SB doesnt count on this type of debt lol.

[Flo77]

Update : following the emails exchanged yesterday I have been sent no less than 5 email yesterday afternoon threatening court action / legal action etc etc yet the

[Old Cogger]

Update : following the emails exchanged yesterday I have been sent no less than 5 email yesterday afternoon threatening court action / legal action etc etc yet the

 

 

 

Send attachments copies to FSA etc with official complaints incl FOS & T.S.

[Flo77]

Update : following the emails exchanged yesterday I have been sent no less than 5 email yesterday afternoon threatening court action / legal action etc etc yet the person that emailed yesterday said I had 2 weeks to respond to their letter of 2nd April that I would receive in due course. She said i would need to enclose documentation to prove i do not owe the money. i know that it is them who must prove that i do owe it not the other way round. I wrote to them yesterday and enclosed a copy of OFT's information with regards to my rights and DCA's

 

I emailed them this morning and told them I consider 5 successive emails verging on harassment and will no longer deal electronically and going forward only deal with them by post as every time I open my inbox there are emails threatening this and that. I told them I await their correspondence.

 

I am going to dispute the debt then CCA them etc etc in the hope that it goes back to the alleged 'original creditor' and i will take it up with them. if this is legite then it must be SB'd although i should remember ! I can't believe they are threatening court after a few shady emails !

 

Bring it on motormile !

[Flo77]

Hmmm still no letter received from motormile . . .

[renegadeimp]

Ignore them. THey need to prove you owe money, not you prove you dont. MMF are probably the worst DCA on the planet right now. THey have complete disregard for regulation and the law and you MUST report them to the FOS and the OFT.

[Flo77]

Received 23rd April - first explanation for contact from them. They have attached copies of some bank statements with the email yet they are only corresponding by email and don't know that I am in fact the person they want. Am I right that a debt from march 2007 would be SB'd ???

 

I am still waiting for the letter they said they sent me on 2nd April ! I did take out a cash advance in 2007 but I thought this was paid in full and can't understand why suddenly I'm getting these emails. I changed bank accounts in 2007 so it would take some digging to check this.

 

Either way its their conduct throughout that's unacceptable as they've never before provided a full explanation as to who they are and what they want.

 

Here is their email :-

 

Good Morning

 

Thank you for your recent email, the content of which have been noted.

 

Having now had the opportunity to review this matter, I have determined that the loan of £200 was originally issued to you by Uncle Buck in March 2007 and we purchased the debt in February 2013. We therefore legally own the debt and the current balance is £360.

 

I have attached a copy of the loan agreement with Uncle Buck along with the documentation you supplied to them during the application process, which includes bank statements and wage slip.

 

Should you still feel that the debt is not yours, I recommend that you contact the Police regarding this and we will be happy to assist them in any investigation they choose to undertake. Should the Police determine that this is indeed not your debt, we will of course amend our records and your credit file accordingly. Please note that until this information is forthcoming from the Police, we will continue to pursue you for the debt in your name.

 

I feel it is important to note that to date; we are yet to be contacted by the Police or Uncle Buck to advise that a fraud investigation is underway. If you have raised the matter with the Police, please can you provide the following information so we may contact them directly:

 

· Police crime reference number.

· Name of Police officer handling the case.

· Name and contact number of the Police station where you have raised the concern.

· Also a copy of your bank statement showing that you have not received the monies.

 

In relation to your notification of your revocation of the doorstep licence regarding our intention to send an agent to your home to discuss the debt. I can confirm that we are fully aware of this and we ensure that we fully comply with the OFT guidance regarding debt collection and visits by agents. You are not correct in your assertion that, under OFT rules, we can only call at your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked, and we are giving you reasonable notice of the timing of the intended visit.

 

In law, a creditor is in a different position to a postman or a member of the public asking directions. When you took this loan, you impliedly agreed that the creditor could communicate with you to discuss repayment. You do not have the contractual right to revoke that agreement until the loan has been repaid. Yet you have frustrated our attempts to discuss the matter with us either by letter or telephone.

 

Please contact us on XXXXXXXXXand quote reference XXXXXX to arrange a repayment plan for the outstanding balance, or to discuss a settlement. Our collections department is available between 8am and 8pm Monday to Thursday, 8am to 6pm Friday and 9am to 2pm Saturday.

 

We look forward to hearing from you.

 

 

 

Regards,

 

 

 

Customer Service Manager

 

Can someone advise please ?

 

Thanks

[renegadeimp]

Theyre misleading you. Why do they need bank ststements if you gave then the police info? Also all that junk about doorstep collection is laughable at best. Hold on for a few and hopefully brig will see this thread and advise.

[Flo77]

The thing is even if I owe this money which I genuinely understood to have been cleared this is the first contact I have had in 6 years ! They obviously wanted to get in quick as this debt is surely now statute barred.

 

If I had received any contact from uncle buck or any dca I would have responded and come to a settlement. I wouldn't want this hanging over me, it is them who have prolonged things by sending shady emails threatening doorstep visits without first disclosing what the debt is for let alone who they are. I clearly have responded to their emails as the idiot who had responded has attached all my emails to them yet states I've refused to discuss it. It's taken over a month to ascertain amounts and dates relating to the debt in question, the bit about doorstep collection and creditors being different to the postman etc makes no sense and is copied and pasted into every email sent , its obviously a rehearsed line thrown in for effect.

 

As they have copies of my bank statements and a signed agreement (which they have attached to an email sent to me , before ascertaining I am the debtor) I am not now disputing they have the right person but is it enforceable as its been more than 6 years and I've never acknowledged the debt.

 

I'm not refusing to pay but I refuse to deal with them under the circumstances.

 

I'd be grateful of some help on this one for sure and any advice on what to do next.

 

Thank you.

[citizenB]

If you believe this is statute barred, (no payment or acknowledgment for 6 years after the first missed payment) then send them the SB letter from the library ? Until you let them know it is statute barred and that you wont be paying anything toward the account then they will continue to harass you.

[Flo77]

If you believe this is statute barred, (no payment or acknowledgment for 6 years after the first missed payment) then send them the SB letter from the library ? Until you let them know it is statute barred and that you wont be paying anything toward the account then they will continue to harass you.

 

Should I ask them for a list of payment dates and when they think the account actually went into default - all I have is an agreement dated 27 march - if this was a payday loan or 'cash advance' as it was then then it should have been paid at the end of April, its possible that it was rolled over but until I go and sort through a box of papers in the attic I have no idea when the first payment was missed if at all.

 

I changed bank accounts that year sometime so it would be a case of digging out statements from 6 years ago. I did have debts around this time but paid them off, some in full and some I came to a settlement with.

 

If I owe this money I would not expect to get out of paying it and I wouldn't have knowingly left it. They say the original amount was for £200 but the debt is £360

[queensclose]

i also believed that the doorstep licence or whatever you want to call it. is your right to your land. and when you revoke it. you are telling them that their rights to enter on to your land is revoked and is an act of trespass. i don't believe the fact you may have had a loan covers any of their agents to legally trespass on your land. unless of course your house is like coronation st where the door opens onto a footpath.

then i would put a notice on the door "callers by confirmed appointment only"

[queensclose]

by the way. is there anything on your credit file

[citizenB]

Should I ask them for a list of payment dates and when they think the account actually went into default - all I have is an agreement dated 27 march - if this was a payday loan or 'cash advance' as it was then then it should have been paid at the end of April, its possible that it was rolled over but until I go and sort through a box of papers in the attic I have no idea when the first payment was missed if at all.

 

I changed bank accounts that year sometime so it would be a case of digging out statements from 6 years ago. I did have debts around this time but paid them off, some in full and some I came to a settlement with.

 

If I owe this money I would not expect to get out of paying it and I wouldn't have knowingly left it. They say the original amount was for £200 but the debt is £360

 

Well for sure you cant really do anything until you have established when the last payment was made - you would then count forward 6 years from when the next payment should have been made and wasn't.

 

Please do remember it is the date of the missed payment.. not the date of default.

[renegadeimp]

I would be inclined to send them the simple Statute Barred letter and see what their reply is. That's if you even get one.