Motormile providing questionable documents

[allen169]

Im currently having a wonderful (not!) time with Motormile finance.

 

Back in the past, I took out a couple of payday loans (stupid of me) and got into financial difficulty paying them off.

Charge after charge made them impossible to clear, and in all honesty I just gave up.

I tried to clear with the original creditor some of what I could afford, but they continued to add charges.

 

Two years down the line it would seem motormile finance have taken up the case.

For the last three months I have been bombarded with emails, texts and phone calls all threatening a home visit from Mike.

 

Mike likes to tell me how embarrassed I would be if he showed up at my property and I must contact them urgently to discuss this matter.

Speaking to them on the phone has not helped in the slightest, and the amounts they are claiming are way more than what is actually owed!.

 

Motormile then decided to take things one step further and started contacting my employer.

The same pre recorded message, meaning everyone at work now knows i'm in some sort of debt to this company.

 

I politely explained to motormile via email that I withdraw the right for anybody to attend my property to visit,

to which I have now been told that they can still send someone round to view my property from the street

to make an assessment of my current financial circumstances. (do they think I post my bank statements in the window?)

 

I'm sure this is not allowed, and they are talking a complete load of tosh so

I have politely reminded them of my right to withdraw somebody's visitation rights.

 

As the amounts owed do not make sense, I have then requested they send me the original notice of assignments and contracts.

 

Today via email I received 'copies' of the original documents on Motormile finance headed paper with the date of the letter

set as tomorrows date (12/08/2014) I'm pretty sure these aren't original and i'm wondering where do I go from here.

 

The debt isn't in question here, but the amount owed is.

These clowns have also added a default to my credit file for a student loan.

Iv never even had a student loan!

 

I have attached one of the fabricated documents they have sent to me today.

[fkofilee]

Allen... Welcome to the Forum

 

I'm sorry to hear you're having such a bad time with MMF... This is the first time that we.... Actually I cant keep it up any longer.

Look around in the thread. You'll see how these guys operate,

Contacting your employer with recorded messages... IS A BIG NONO...

Watch out for the "Branded Envelopes" turning up declaring who they are from (I've had these, They are so degrading)

 

First off, Please post your attachment in PDF format, with personal details removed.

Also if you want the proper documents, them being sent by email doesn't count.

You need it official, so you send a £1 Postal order with a CCA Request from the Library. Keep a log etc of anything you do.

 

MMF Blow a lot of hot air. We will help you the best we can, we are all survivors here.

 

Could we have more info on all the debts they have? Are these on your credit profile at present?

You are entitled to peace in life, contacting you is not an option. Its ONLY to be in written format. Its your RIGHT to this via post.

 

Think about it like this, MMF say they will serve you with a "Notice Of Assignment" via text... I've had that, That's not allowed.

 

If you need any help let me or the forum team know: )

[allen169]

Hey,

 

Here is a copy of the notice of assignment.

 

They have sent me three of these via email, take a look at the date they put on the letter!

 

This was sent in response to a request for copies of the original notice of assignments, as they placed defaults on my credit file several months ago.

 

The two accounts so far are quid 24 (180.00 loan) and cash genie (100.00 loan) now at 1700.00 due to some silly charges.

 

The loans were taken back in 2010 and 2011, when I ran into financial difficulties and charges spiraled things out of control.

Edited August 11, 2014 by allen169

[fkofilee]

Hey,

 

Here is a copy of the notice of assignment.

 

They have sent me three of these via email, take a look at the date they put on the letter!

 

Please read the above in red... So 1 of them is Cash Genie... What a surprise with an inflated balance!!!

Please dont succumb to the pressure of these letters, post up the other 2.

These are pretty normal in the trade... Surprised they sent these via email... Normally, I'm pretty sure these need to be sent via post.

 

Oh also, youll need to remove the reference number in the letter itself

 

The NOA Dates are perfectly fine by the way.

[allen169]

fkofilee,

 

I dont understand how these are original copies of the notice of assignments, when the dates are set in the future (tomorrow)

 

The third account, I am told, they are having trouble sourcing the notice of assignment so I am to await this to be sent via email.

 

They have also sent me some credit agreements from the companies in question.

I understand the debt needs paying off, but I wont be bullied by these people into paying more than what was originally borrowed.

It makes it worse that Im employed by the local authority in a school.

They do not want Made up mike turning up on the doorstep taking photos assessing the financial situation.

..Otherwise mike might end up with a very much unwanted record.

 

Not to mention adding a student loan debt that does not exist to my credit file?

[allen169]

Another piece of correspondence sent to me.

[fkofilee]

I wonder if they have been automated...

The notice of assignment... Well lets see here, they are generating it so id say that's a load of BS...

 

So we have Quid 24 @ £187.50, Cash Genie @ £1754.00 and who is the last? IF they attend your work place, send him away, they are a no powers DCA. They attempt to strike the fear of god into you!, Dont let them. If they turn up to your home, then you also send them away.

If not you ring the police , simples. Also another element, you need to complain to the authorities if they are ringing your work place.

 

The FCA is clamping down on these things.

 

Eye watering Refinance fee, this shows everything wrong with the PDL Industry..., and the Late DD Fees can be reclaimed... Penalty fees..!!!

 

[ATTACH=CONFIG]52780[/ATTACH]

 

Plus, what they have sent you seems to be a generic statement of the breakdown...

 

Still think you need to do the official CCA £1 for every debt. Once done, you can check the validity if they can collect the debt.

[allen169]

Im not sure who the other account is with,

they have it down on my credit file as a student loan debt,

however I never had a student loan, so unsure where this came from.

 

Am I to issue them with a CCA fro each individual debt and take it from there?

 

I seriously doubt the FCA will be interested.

There are pages of complaints on the internet regarding motormile, yet they still trade.

The excuse for phoning my employer was i gave the original creditor my employer phone number,

yet motormile are not to know which phone number is my employer.

 

Here is a segment from their latest email.

 

Our home visit team does not operate illegally, generally a roadside assessment would be done to asses standard

of living if someone did not want to speak in person.

 

We only call the numbers you provided on your application and are not aware which ones are work or landline

 

I have placed all your accounts on hold whilst you review the documents due to be sent by our admin team.

 

They obviously show no interest in the law regarding someone visiting a property if you have removed that right.

 

They have also sent me several electronic Consumer Credit Agreements.. They also look rather suspect.

Edited August 11, 2014 by allen169

[allen169]

How do I go about reclaiming the late DD fees as well as the ridiculous refinance fee.

 

I do wonder if I have any leg to stand on to get motormile to remove the defaults

they have also placed on my credit file (taken over from the original creditor with a name change)

 

Im ashamed at taking out the PDL in the past, but its really screwing me in the present. Stupid, stupid mistake to make,

[fkofilee]

And yet another case of the "Student Loan"... Weve had cases of this before....

 

May i be polite to ask, could you show us the Email you sent to MMF?

 

Pat and Barry Ellishaw work in CR (Customer Relations) But seem to be lacking a coherent brain cell between the 2 of them.

 

Our home visit team does not operate illegally, generally a roadside assessment would be done to asses standard of living if someone did not want to speak in person.

 

I have placed all your accounts on hold whilst you review the documents due to be sent by our admin team.

 

Typical pressure cooker right there... Trying to make you succumb to them.

Yes a CCA Request per debt. Make sure you list it out in 3 separate letters and keep them on file for you. £1 postal order... Mark on the back "Statutory Fee Only" so they don't use it as an excuse off against the balance.

 

Ive had the pleasure of dealing with Mr Ellishaw...

Edited August 12, 2014 by ims21

[fkofilee]

Oh FYI , I've asked the Site Team and Brig to look at this... They have a lot of better advice than I do and i may have missed something...

[dx100uk]

I've unapproved your attachments

 

you must remove all identifying markers codes numbers names please

[dx100uk]

pers I would not bother to communicate with them anymore

 

the only time you need to

is if a court claimform arrives.

 

and that's lke hens teeth.

 

you need to get a log from your employer of the times they have run the number

then sent off a complaint to the FCA.

 

it will help other the more complaints go in.

 

as for the defaults

 

they would have been placed by the original creditors.

 

little chance of getting them removed

 

unless you SAR each one

and prove the default notices balance contained charges.

 

dx

[renegadeimp]

Actually I would disagree with dx. Since they marked your file, invented documents and harassed you at work, I would suggest a full stern complaint to the ceo of mmf, and full complaints to fos and fca. If youve told them to stop and they ignored you, consider legal action for harassment.

 

 

The absolute least you should do is inform the regulators and consider action for harassment.

 

Nip this in the bud before a court claim is even considered. Not put up with it till one arrives.

[allen169]

Interestingly a few months back when the calls first started I sent the email regarding communication in writing only. This obviously got ignored and they continued to make phone calls to work and home. The most comical email was the one stating they would rely on this 'sms' as evidence in court. Firstly it was an email and not a text and secondly just how would that even work?

 

In the space of a 24 hour period I had 17 emails and 12 phone calls from MMF. The emails were also coming through well past 12AM along with the texts. Im sure thats classed as an unsociable hour.

 

another few selected gems

 

Unless you call MMF in 5 days, a Court Claim may be issued, with any subsequent CCJ being enforced by Bailiffs or Attachment of Earnings on your employer

 

This email should be taken as formal notice that we have attempted to agree a mutually acceptable appointment and have been unable to do so through your lack of response. This fact will be later relied upon at court on the question of legal costs, should legal action prove necessary.

 

you have chosen not to contact MMF. Your account is being assessed for legal action

 

your file has been approved for legal proceedings at your last known address. MMF rely on this SMS re legal costs.

 

We wou ld also look to enforce any successful judgement granted, by way of an Attachment of Earnings (AOE) order (where applicable). This may result in your employer being contacted by your local County Court.

 

In a final attempt to resolve this matter without Legal Action we will accept 60% of the debt in settlement. Call .If not legal action action will be issued.

 

 

I just love how they like to even put threats in there about my employer! Who do these people think they are? I also love how they threaten you with an impending visit of doom from Mike. Is it the same Mike from breaking bad? Seriously though, surely the FCA can take action against these

 

I believe the cash genie loan was moved onto MMF from another nice chap, Carter Forbes.

Edited August 12, 2014 by allen169

[renegadeimp]

I'd get harassment action going simply due to that one day. There are multiple court cases you can use as reference.

[sillygirl1]

Roadside assessment my foot - this proves NOTHING. They are NOT allowed to come and 'financially assess' you - END OF. Get that letter to the FCA as it breaks all the guidelines in debt collecting.

 

Those 'countdown to legal action' and 'visit from Mike' are not allowed.

 

Seriously, if you do not contact the FCA you are wasting time posting on this site - that is the advice here. The FCA have already acted on Wonga and some of these smaller companies are in very dodgy territory with their inflated charges, fees and the level of harrassment they like to inflict via this shabby company.

[BRIGADIER2JCS]

Interestingly a few months back when the calls first started I sent the email regarding communication in writing only. This obviously got ignored and they continued to make phone calls to work and home. The most comical email was the one stating they would rely on this 'sms' as evidence in court. Firstly it was an email and not a text and secondly just how would that even work?

 

In the space of a 24 hour period I had 17 emails and 12 phone calls from MMF. The emails were also coming through well past 12AM along with the texts. Im sure thats classed as an unsociable hour.

 

another few selected gems

 

Unless you call MMF in 5 days, a Court Claim may be issued, with any subsequent CCJ being enforced by Bailiffs or Attachment of Earnings on your employer

 

This email should be taken as formal notice that we have attempted to agree a mutually acceptable appointment and have been unable to do so through your lack of response. This fact will be later relied upon at court on the question of legal costs, should legal action prove necessary.

 

you have chosen not to contact MMF. Your account is being assessed for legal action

 

your file has been approved for legal proceedings at your last known address. MMF rely on this SMS re legal costs.

 

We wou ld also look to enforce any successful judgement granted, by way of an Attachment of Earnings (AOE) order (where applicable). This may result in your employer being contacted by your local County Court.

 

In a final attempt to resolve this matter without Legal Action we will accept 60% of the debt in settlement. Call .If not legal action action will be issued.

 

 

I just love how they like to even put threats in there about my employer! Who do these people think they are? I also love how they threaten you with an impending visit of doom from Mike. Is it the same Mike from breaking bad? Seriously though, surely the FCA can take action against these

 

I believe the cash genie loan was moved onto MMF from another nice chap, Carter Forbes.

 

 

Hello Allen,

 

 

Looking in as requested by fkofilee's PM.

 

 

All that has been said about MMF is quite correct, their behaviour in your case amounts quite

clearly to harassment.

 

 

You can as advised by dx ignore these threats or you can go in hard with a complaint to the MD and copy it to the FCA.

This needs a complaint to the FCA most definitely the company is on "interim permissions" to operate and their licence will be reviewed.

 

 

Having had some success dealing with this bunch I can if you wish draft a letter for you, just let me know here.

Edited August 12, 2014 by ims21

[fkofilee]

Hey,

 

Here is a copy of the notice of assignment.

 

They have sent me three of these via email, take a look at the date they put on the letter!

 

This was sent in response to a request for copies of the original notice of assignments, as they placed defaults on my credit file several months ago.

 

The two accounts so far are quid 24 (180.00 loan) and cash genie (100.00 loan) now at 1700.00 due to some silly charges.

 

The loans were taken back in 2010 and 2011, when I ran into financial difficulties and charges spiraled things out of control.

 

Can you see.... This is what i mean, they are a cowboy run outfit, you cannot "Rely on SMS" in court!

I would take Brig's Letter,. but also I would complain like hell to the FCA. Once their Consumer Credit License has been taken away, no more harassment! Yey!

 

DX's advice is right if you want to ignore them, but so is Imps... You really do have a choice...

[allen169]

Hello Allen,

 

 

Looking in as requested by fkofilee's PM.

 

 

All that has been said about MMF is quite correct, their behaviour in your case amounts quite

clearly to harassment.

 

 

You can as advised by dx ignore these threats or you can go in hard with a complaint to the MD and copy it to the FCA.

This needs a complaint to the FCA most definitely the company is on "interim permissions" to operate and their licence will be reviewed.

 

 

Having had some success dealing with this bunch I can if you wish draft a letter for you, just let me know here.

 

 

Hey,

 

Thanks for all your positive comments. Rest assured I will take this further. A letter would be brilliant, thankyou for the offer which I kindly accept.

[allen169]

MMF Very quiet today! Although I have queried their use of relying on an SMS in court and just how that works. We shall await their reply!

[BRIGADIER2JCS]

Hey,

 

Thanks for all your positive comments. Rest assured I will take this further. A letter would be brilliant, thankyou for the offer which I kindly accept.

Will try to get this done this afternoon.

[allen169]

Thankyou

[allen169]

How do I also proceed with them recording a default for a non existent student loan? Should I report this to the student loans company and advice them of motor mile finance updating credit files in this way ?

[BRIGADIER2JCS]

How do I also proceed with them recording a default for a non existent student loan? Should I report this to the student loans company and advice them of motor mile finance updating credit files in this way ?

Yes a complaint to the Data Controller of the original (alleged) creditor) copy to MMF and a notice of dispute on CRA files.