MMF Clowns (At It Again) - Advice Required.

[CerberusSco]

Hi,

 

I'll try & keep this quick & brief. However, I have had recent dealings with Motormile Finance as they contacted my 85 year old mother in law and scared the crap out of her by threatening a doorstep visit looking for myself. I don't know why they have contacted her as I have NEVER lived there. Anyway, I sent them the standard template from the CAG forums regarding a doorstep visit and changed the last paragraph to comply with Scots law.

 

I have today received this letter to my actual address where I live. Any advice on what to send these parasites in response to this? I dispute the debt and have no recollection of taking out any payday loan with Wage Day advance. I have mentioned this to them, but they ask me to provide a CRN (Crime Ref Number) which I have no intention of doing.

 

Thanks

 

[renegadeimp]

Sadly thats a standard form letter from then that breaches OFT guidance. Basically it says that they think UK law and regulation doesnt apply to them

[unclebulgaria67]

Doorstep visits in Scotland for debts is illegal I thought. Suggest that you report to local Trading Standards.

 

They cannot visit an innocent third party about a debt owed by someone else.

 

If this is not your debt, then report as a possible fraud using the Action Fraud reporting system.

 

http://www.actionfraud.police.uk/report_fraud

 

Suggest that you check your credit record.

[sillygirl1]

Get a complaint in to the OFT http://www.oft.gov.uk immediately, they are in complete breach of OFT guidelines whether they think it or not.

 

A creditor does not have the right to harrass you at home, and does not have the right to contact anyone else about your debt.

 

Remind the OFT that they are actively persuing Payday Loan companies (Wageday Advance is one of them) and that this is not your debt.

[BRIGADIER2JCS]

Letter to:

 

Mr Rob Sands

Director of Compliance

MMF Ltd

 

 

Date:................:

 

Ref: use theirs:

 

Dear Mr Sands,

 

I refer to a letter dated xx.xx.xxxx., in which an anonymous operative of MMF Ltd make a claim that 'In law a creditor is different (to?? this should be different FROM) a postman or a member of the public' in reference to visiting a private residence, please explain the 'theory' and quote the 'LAW' concerned.

 

Should any agent, representative of MMF Ltd attempt to visit my home he/she/it will be invited to leave immediately or be removed with police assistance if necessary.

 

For clarification I will not discuss anything with a powerless individual who turns up at my home uninvited and there is no obligation for me to do so.

 

Recorded signed for post check delivery.

[CerberusSco]

Letter to:

 

Mr Rob Sands

Director of Compliance

MMF Ltd

 

 

Date:................:

 

Ref: use theirs:

 

Dear Mr Sands,

 

I refer to a letter dated xx.xx.xxxx., in which an anonymous operative of MMF Ltd make a claim that 'In law a creditor is different (to?? this should be different FROM) a postman or a member of the public' in reference to visiting a private residence, please explain the 'theory' and quote the 'LAW' concerned.

 

Should any agent, representative of MMF Ltd attempt to visit my home he/she/it will be invited to leave immediately or be removed with police assistance if necessary.

 

For clarification I will not discuss anything with a powerless individual who turns up at my home uninvited and there is no obligation for me to do so.

 

Recorded signed for post check delivery.

 

Thanks, will send that first thing on Monday morning.

[fletch70]

What is even worse is that the CSA think they are correct. As part of my complaint procedure I went to the CSA and they did not uphold my complaint. I then reported them to the credit fitness team at the OFT.

They are twisting words, of course when a contract is signed you allow them to contact you, however OFT guidelines say you have the right to define the type of contact

[EBOY]

got the same letter. would prefer them to take me to court.

[BRIGADIER2JCS]

I wonder what the CSA makes of MMFs 'debt collection' letters given that it issues a 'guidance' document on the subject.

[CerberusSco]

I'd hate to hazard a guess of what the CSA thinks. I've dealt with them before and they were about as much help as a cat flap in an elephant house. I'll send a letter first thing tomorrow as posted earlier. I'm also going to request a NoA and maybe submit a complaint to the OFT/TS (Scotland). I've also read that the NoA they send out to people aren't proper NoA and are not legally binding.

 

I'm also tempted to copyright my name and charge them for using it. Read about that on another forum somewhere. Just want to annoy them as much as they've annoyed me & other people. Fun & games to be had me thinks, but I may leave the fun stuff for further down the line lol.

 

BRIGADIER2JCS did you include my details in your case against them at all? If not, no biggy.

[renegadeimp]

That copyrighr thing is a non starter. Just fotl rubbish.

 

Stick to the advice given and you'll be fine.

[BRIGADIER2JCS]

I'd hate to hazard a guess of what the CSA thinks. I've dealt with them before and they were about as much help as a cat flap in an elephant house. I'll send a letter first thing tomorrow as posted earlier. I'm also going to request a NoA and maybe submit a complaint to the OFT/TS (Scotland). I've also read that the NoA they send out to people aren't proper NoA and are not legally binding.

 

I'm also tempted to copyright my name and charge them for using it. Read about that on another forum somewhere. Just want to annoy them as much as they've annoyed me & other people. Fun & games to be had me thinks, but I may leave the fun stuff for further down the line lol.

 

BRIGADIER2JCS did you include my details in your case against them at all? If not, no biggy.

 

Yes.

[CerberusSco]

Letter sent as per above post by BRIGADIER2JCS. Will await a reply and see what happens. Also, requested NoA to see what nonsense they send. Just going to submit a complaint to the OFT. Seen as I'm a resident in Scotland is it the OFT I complain to or Trading Standards, or both? Just want to be 100% sure before I submit my complaint.

 

I will update this thread when I receive a reply.

[fletch70]

I think you can go straight to TS . I am sure they can tell you what to do

[CerberusSco]

Cheers fletch70, much appreciated.