MotorMile e-mail

[fletch70]

I still have to be convinced as to the validity of a NOA by email. I personally believe that because of the transient nature of email and the wording of the LPA post is the minimum way to serve both DN's and NOA's. I do not however know if it has come up in a case yet. Maybe it is something we could ask

[fletch70]

I think that with the changes in regulations etc we have to be aware that just because someone did it before doesn't mean they still do it. For example 1st Credit was taken to task for using SD's as a debt collection tool, I don't believe they use them as such anymore. Same with Lowlife

 

Of course MMF are in my opinion , complete arses.

[UKCA]

I would struggle to disagree with you on MMF. lol

[GrumpyScot]

Hi I've received exactly the same email as this today. I haven't bothered to reply to it (or any of the others) as that email address is one I seldom use. I was under the impression that mm cannot register the default only the actual creditor. Confirmation of this by someone would be appreciated. Thanks. On a slightly lighter note. I was attending an appointment this morning but my son was visiting to do some painting. The phone rang so he answered it asked who was calling & was told mm. He promptly told them I didn't drive or have a car so I wouldn't be interested in any car finance package. He then hung up.

[BRIGADIER2JCS]

Hi I've received exactly the same email as this today. I haven't bothered to reply to it (or any of the others) as that email address is one I seldom use. I was under the impression that mm cannot register the default only the actual creditor. Confirmation of this by someone would be appreciated. Thanks. On a slightly lighter note. I was attending an appointment this morning but my son was visiting to do some painting. The phone rang so he answered it asked who was calling & was told mm. He promptly told them I didn't drive or have a car so I wouldn't be interested in any car finance package. He then hung up.

All DCAs NOAs are generic templates, add debtors name and address, name OC name amount OD, state we bought it on etc.

The followed by the individual " Company Threat Scrip".

 

 

I will say that as has been said earlier the NOAs are genuine I've not seen one case of a company issuing and NOA for a debt they do not own, nor have I seen any creditor saying that a debt has been sold to a DPC when it hasn't.

[Cerberus54]

This is an old debt from 2010 that was passed to a debt management firm to deal with when I got divorced

& a set of bills appeared in my name the ex had made with my card details.

 

Not heard anything from PTPD .

 

. .then MMF appeared with it

 

... I think I will have to set up a pay plan with them to stop the process going any further

 

.. unless there is another way?

 

its no where near 6 years old either.

[stu007]

@ Cerebeus54 as your post seems to be about your issues with MMF could I suggest that you start your own thread to get advice on your issues.

[dx100uk]

this is his thread

dx

[dx100uk]

This is an old debt from 2010 that was passed to a debt management firm to deal with when I got divorced

& a set of bills appeared in my name the ex had made with my card details.

 

Not heard anything from PTPD .

 

. .then MMF appeared with it

 

... I think I will have to set up a pay plan with them to stop the process going any further

 

.. unless there is another way?

 

its no where near 6 years old either.

 

never pay MMF anything

 

they are NOT Bailiffs

 

and have

 

NO SUCH LEGAL POWERS

 

dx

[fletch70]

Dx

As far as several of us are aware MMF are debt purchasers and although maybe not often they do issue claims in the courts . I am not suggesting anyone roles over and pays, god knows I hate them but we need to be prepared to defend and do what is necessary . That may mean coming to a payment plan.

 

You are of course right they are not bailiffs and can not come and take property but they can issue claims that, if not handled correctly could have unfortunate consequences

[fletch70]

@ Cerebeus54 as your post seems to be about your issues with MMF could I suggest that you start your own thread to get advice on your issues.

 

Stu

It was in the wrong section but has now been moved to the appropriate forum

[Cerberus54]

Hi, thanks for moving it to the right area.

 

 

This is the message I sent out today... lay some groundwork & see what happened

 

 

Hello,

I have two questions that would help in this matter.

1. How much would a full & final settlement be? would £550 be enough?

2. At £50 a moth - how many months to clear the debt?

 

Strangely enough ... within a half hour( considering it usually takes 1- 2 days to reply)

This arrived

 

 

Dear Mr

FORMAL APPOINTMENT REQUEST

Our Ref: Pounds Till Payday - Payday Loan

Debt Value:£838.88

 

One of our Doorstep Agents will shortly be attending your property and this is a formal request for you to provide an agreed appointment time and date, failing which, our agent will have no option other than to arrive unannounced.

 

PLEASE DO NOT IGNORE THIS MATTER AS COSTS AND INTEREST WILL SHORLTY START TO BE ADDED TO THE ACCOUNT BALANCE AND WILL GREATLY INCREASE THE AMOUNT YOU WILL HAVE TO PAY.

 

Please contact us urgently on 0113 323 0090 quoting reference

Yours faithfully,

 

Doorstep Collections Dept.

MotorMile Finance UK Ltd.

0845 241 9070 :Telephon e

0113 323 0090 :Local

0808 168 6914 :Freephone

 

To which I replied.....

 

Sorry for the long postings...

 

 

As I have mentioned in my previous messages, I do not want a visit to the property, I have put forward a possible solution & would like feedback on this from yourselves.

Any unannounced arrival will not be allowed on to the property, and your agents will be asked to leave. If you keep threatening me I will escalate this to the FCA & Ombudsman citing harassment and improper conduct on your part.

As for costs I will be sending invoices to you at a rate of £50 per email I have sent and £75 for each letter I have sent, as well as Doorstep visits being charged according to amount of time.

I have put a reasonable request forward in the way of payments and wish nothing more than a reasonable reply in the matter, I wait with anticipation for a response to my question.

[SabreSheep]

Use the library and use the proper doorstep letter and send signed for mail. Keep receipt and tracking info proving delevry.

 

that letter tells them that any visit from them will be tresspass and you will dial 999

[renegadeimp]

The letter charges wont hold any weight. But it MIGHT cause them to think twice.

 

Just remember as well that the emails are pretty much all automated and you can tell which ones have been written by an actual person.

[Cerberus54]

Should I send the doorstep letter by email to them as well as by registered post?

[renegadeimp]

They'll ignore it anyway so its up to you.

[fletch70]

I would send it by email as well to the various email addresses. I would mention as well the CSA (credit services association ) code of conduct that states that where possible they must inform you of a date and time of visit. So whatever they try to say an unannounced visit is not allowed.

 

As for the charges , they probably will not do any good BUT there are some cases where people have made court claims against DCA's and won by default. In one case I know of the DCA then went for a set aside but at the last minute paid up the £500 . Of course my view is that someone probably made a mistake and the cost of them applying for the set aside would be more than £500.

[BRIGADIER2JCS]

Hi, thanks for moving it to the right area.

 

 

This is the message I sent out today... lay some groundwork & see what happened

 

 

Hello,

I have two questions that would help in this matter.

1. How much would a full & final settlement be? would £550 be enough?

2. At £50 a moth - how many months to clear the debt?

 

Strangely enough ... within a half hour( considering it usually takes 1- 2 days to reply)

This arrived

 

 

Dear Mr

FORMAL APPOINTMENT REQUEST

 

 

 

Our Ref: Pounds Till Payday - Payday Loan

Debt Value:£838.88

 

One of our Doorstep Agents will shortly be attending your property and this is a formal request for you to provide an agreed appointment time and date, failing which, our agent will have no option other than to arrive unannounced.

 

PLEASE DO NOT IGNORE THIS MATTER AS COSTS AND INTEREST WILL SHORLTY START TO BE ADDED TO THE ACCOUNT BALANCE AND WILL GREATLY INCREASE THE AMOUNT YOU WILL HAVE TO PAY.

 

Please contact us urgently on 0113 323 0090 quoting reference

Yours faithfully,

 

Doorstep Collections Dept.

MotorMile Finance UK Ltd.

0845 241 9070 :Telephon e

0113 323 0090 :Local

0808 168 6914 :Freephone

 

To which I replied.....

 

Sorry for the long postings...

 

 

As I have mentioned in my previous messages, I do not want a visit to the property, I have put forward a possible solution & would like feedback on this from yourselves.

Any unannounced arrival will not be allowed on to the property, and your agents will be asked to leave. If you keep threatening me I will escalate this to the FCA & Ombudsman citing harassment and improper conduct on your part.

As for costs I will be sending invoices to you at a rate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

of £50 per email I have sent and £75 for each letter I have sent, as well as Doorstep visits being charged according to amount of time.

I have put a reasonable request forward in the way of payments and wish nothing more than a reasonable reply in the matter, I wait with anticipation for a response to my question.

 

 

If you want to make an off in F&F negotiate start at no more than 10% of the outstanding balance make it conditional on marking CRA files as "settled".

Do not send any money until you have written agreement.

[renegadeimp]

MMF's emails are automated. Personally, the only offer i would make is not to report them to the regulators or take them to court for harassment and constant breach of regulation and law, providing they write off the debt, or stop contacting you.

[fletch70]

I really do hate saying this but since I started the complaint I have only had one set of contact (two phones and 1 txt in the space of 3 minutes). Not heard from them for 10 days now apart from a half arsed answer to my complaint which I responded to.

 

Maybe, just maybe they are starting to learn. I hope that it isn't confined to people who stand up for themselves.