MotorMile Finance & Mr Lender

[johnhn]

I took out a loan of£500 with Mr Lender on 22/05/13. The loan was automatically rolled over 6times. Under increasing financial hardship I cancelled the Continuous Authorityon my debit card on 30/10/13. At this point I had paid £997.50 to Mr Lender.

 

I have subsequentlyreceived numerous e-mails from Mr Lender demanding ever-increasing amounts ofmoney. Their website states that "We will suspend interest andcharges if you are unable to pay what you owe us in full but give us arepayment plan which is reasonable and acceptable to us, or after a maximum of60 days after non-payment." although, curiously, the loan agreement doesnot...

 

On 13/01/13 Mr Lender e-mailed to say that my balance hadincreased to £1207.50

 

On 07/02/13 Mr Lender e-mailed to say that my balance hadincreased to £1609.12

 

I attempted to access myMr Lender account online in order to view a detailed statement of account, onlyto find a single screen requesting repayment of some other unfathomable amount(again, with no breakdown of charges/interest) beyond which I could notprogress, effectively denying me access to detailed information of my ownaccount.

 

The debt is now being"dealt with" by Motor Mile Finance, who are demanding £1609.12(which, if paid, would bring the cost of a £500 loan over x months to over£2600). No breakdown of charges or interest has been provided by MMF.

 

MMF's latestcommunication via email states:

 

"DearMr ---- --------,

 

TRANSFER TO HOMEVISIT DEPARTMENT

 

OurRef: M-------

Mr Lender Payday Loans

Debt Value: £1,609.12

 

Your file has now been passed to the Home Visit Department and aDoorstep Collection Agent will shortly be instructed to attend your property.

 

The default will be registered with all 3 credit reference agencies in ourmonth end report.

 

If you wish to prevent this registration, contact us to accept one of thefollowing offers:

 

- Payment of the debt over monthly instalments.

 

- A substantially discounted payment in full and final settlement of thedebt.

 

Contact us NOW before it is TOO LATE: 0113 887 3869.

 

If we do not hear from you the default will be registered at Experian,Equifax and CallCredit and this will make it difficult for you to obtain creditnow and for 6 years.

 

Yoursfaithfully,

 

DoorstepCollections Dept

MotorMile Finance UK Ltd.

 

0845 2418729:Telephone

0113 8873869:Local

0808 1686913:Freephone"

 

 

 

In addition, I have justsigned in to an email account I haven't used or given since 2009 in order toretrieve my CAG login details, to find numerous MMF emails with titlesincluding "Notice of Assignment", "County Court Action","Doorstep Assessment" etc etc. Why are they serving these"notices" to an email address I haven't used for 5 years when theyhave my current email address and home address - and are these"notices" considered "served"?

 

1)Clearly I have had adebt with Mr Lender, however I will not acknowledge a debt of any amount to MMFwithout an adequate (or indeed any!) explanation of what it actuallyrepresents. Therefore I dispute the debt alleged in their email.

 

2)I do not wish todiscuss the matter via text, phone, email or on my doorstep.

 

3)I do not particularlywant a default on my credit record. My attitude is that - if a default isapplied - MMF/Mr Lender won't receive a penny from me as they have effectivelyremoved all incentive for me to pay (i.e. by stuffing my credit rating for 6years, whether I pay them or not).

 

I therefore need towrite to MMF to ask for proof of the debt, with a full breakdown of EVERYTHING,to dispute the debt whilst awaiting "proof" (thus preventing anyenforcement in the iterim), to avoid harassment/doorstepping, and to preventincorrect and damaging information being recorded on my credit file.

 

My questions are, howmany template letters is that?(!), and where are they please? I've scoured theforum but there seem to be variants all over the place, some of which areout-of-date, or not directly applicable. I defer to the more experienced topoint me in the right direction.

 

Thanks in advance!

[renegadeimp]

IM sure Theres something going on here between mr lender and MMF. If not, then MMF are hiking up the debt with completely bogus charges. The fact theyve offered a discount proves that the charges are bogus. The only thing you should be sending them is a CCA request, and demand a complete and itemised breakdown of the account.

[BRIGADIER2JCS]

Mr Lender seem to use MMF at times just for " doorstep" collection activity, basically " twit in a dirty mac foe hire."!

There are no specific templates for dealing with MMF.

 

 

I have written a fair number for Caggers to suit the particular situation.

 

If you want me to draft a letter for you just ask here

[citizenB]

My questions are, howmany template letters is that?(!), and where are they please? I've scoured theforum but there seem to be variants all over the place, some of which areout-of-date, or not directly applicable. I defer to the more experienced topoint me in the right direction.

 

You will find all the template letters you require in the CAG library - you may have to slightly adapt them to your specific situation, but that is the point of a "draft" letter.

 

The link below takes you to the specific debt collection section of the library.

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?405-Debt-Collection

 

We believe you would need the "doorstep " letter and information gathering.. eg.. proof of debt - CCA Request letters .

 

HTH

[johnhn]

Mr Lender seem to use MMF at times just for " doorstep" collection activity, basically " twit in a dirty mac foe hire."!

There are no specific templates for dealing with MMF.

 

 

I have written a fair number for Caggers to suit the particular situation.

 

If you want me to draft a letter for you just ask here

 

Thanks Brigadier - if you'd be willing to do that, I'd be most grateful!

 

Regards,

 

John

[BRIGADIER2JCS]

Will do later today for you.

[BRIGADIER2JCS]

OK MMF now own this debt, one point stands out MMF are threatening to place a default on credit reference files, the account should /would have been defaulted prior sale to MMF.

 

 

Ok.

 

 

Private & Confidential

Mr Rob Sands

Director of Compliance

MMF Ltd.

 

 

Date:

 

 

Ref: use theirs.

 

 

Dear Mr Sands,

 

 

I refer to recent correspondence from MMF regarding an alleged debt it claims to have acquired from " Mr Lender", please not I do not acknowledge any debt to MMF I have not received any notification that any such debt has been sold to MMF or notification of the assignment from MMF.

 

 

MMF Will take note of the following:

 

 

1. I will deal with this matter only in writing, No e-mail, telephone contact, by landline. mobile or sms text messages are permitted all such communications will be unanswered,

2. Under no circumstances will any representative/agent or employee visit my home. I will not discuss any matters with any unknown person who has absolutely no authority to visit me.

 

 

I am aware that MMF claims that such a restriction does not apply to it, this is of course totally wrong.

 

 

Any such visit will result in the person concerned being invited to leave my property failure to do so will result in their removal with police assistance if necessary.

 

 

I require unequivocal proof that I have any liability for this alleged debt, no further communication will take place until this is provided.

 

 

Send recorded/signed for post check delivery date.

[johnhn]

Many thanks!

 

There is no default marked on my credit record for this out, just a late payment.

[BRIGADIER2JCS]

Now that's odd, Which CRA did you use?

 

 

Has MMF at any point stated that they are only acting on behalf of Mr Lender?