Motor Mile Finance Is it Statute barred

[meols cop]

Been contacted by MMF into a payday loan Im supposed to owe.

 

In short they say the account defaulted in August 08 although I never received a default notice. I have never made a payment since.

 

However in June 2014 I made a letter of complaint to the payday loan company which contained the words "I have a payday loan with your company..." Does this extend the statute of limitations??

 

I've a feeling I messed up.

 

Any help appreciated.

[maroondevo52]

Does this 'debt' show on your credit file ?

[meols cop]

No it doesn't. The latest date on my credit file is for something in 2009

[Stigman]

In short they say the account defaulted in August 08 although I never received a default notice. I have never made a payment since.

 

However in June 2014 I made a letter of complaint to the payday loan company which contained the words "I have a payday loan with your company..." Does this extend the statute of limitations??

 

I've a feeling I messed up.

 

Please remember that defaults can be added up to 6 months after the account has become available for collection.

 

So in theroy, the account could have been statute barred by the time you sent the letter.

 

If in doubt send the prove it letter, that way MMF should furnish you with date of account opening and if you have never made a payment that will give you the date that you are after.

 

Stigman

[citizenB]

If they know and have admitted the account defaulted in August 2008, then they will also be aware that the 6 years ended around August 2014 !! So they are aware that the account is statute barred

[meols cop]

If they know and have admitted the account defaulted in August 2008, then they will also be aware that the 6 years ended around August 2014 !! So they are aware that the account is statute barred

Indeed but what they are saying is that the wording of my complaint acknowledged the debt so consequently extending the statute of limitations

[dx100uk]

load of rubbish

 

moved you to the mmf forum

 

they pull thesestunts everyday.

 

ignore them

 

iuts sb.d

 

they.ll not botherwithcourt

 

just trying to fleecxe3 you

 

dx

[GrumpyScot]

I don't know where the person lives but if it is in Scotland isn't the statute barring 5 years and not 6?

[mmfhater]

They said I had a payday loan. But it's not on my credit file so I just ignore them and its been going on for about 3 years and every now and then I get an email or text which just gets deleted

They even said they will send a doorstep collector round but I told them if they do il forceably remove them from my property and guess what ,,,,,,,,,,,,,? No one has ever come round

[obiter dictum]

Relax mmfhater

 

i have had this Motormouth run around now for three years, in two weeks it will be statute barred even though it is not on my credit file

 

Evey three months i get the usual spam from them into my email box, i got one three days ago offering fantastic discounts. Not once have i contacted them in any way. They really are all mouth and no trousers. Just deleate and move on until the next round of rubbish arrives