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  • FIRST POST
    • gosavesomething
    • By gosavesomething 15th Mar 17, 6:19 PM
    • 22Posts
    • 5Thanks
    gosavesomething
    mmile Motormile Finance UK Limited (MMF) Advice Needed
    • #1
    • 15th Mar 17, 6:19 PM
    mmile Motormile Finance UK Limited (MMF) Advice Needed 15th Mar 17 at 6:19 PM
    Good evening,

    I received an email today from @mmile with the subject header, "Your account is being prepared for Legal Assessment - Act Now" (their caps locks not mine!)

    Previously, I had received an email on the 21/02/2017 with the subject header "Intended Action (EXOP)" - I had read on the CAG website similar emails received and took the general advice on the website to ignore the email.

    However, having received the second email today I am unsure what to do.

    From what I have read about mmile and what the debt may be, they operate as payday loan collectors. I have had two payday loans in my life and one was fully paid and the other has not been paid back. The one that hasn't been paid back was approximately 5 years ago. I accept responsibility to pay it back but I am unsure how to contact mmile, for example, is there a template letter for an appropriate next step, and secondly, should I even make contact with them.

    Thanks in advance for any words of wisdom.
Page 1
    • sourcrates
    • By sourcrates 15th Mar 17, 7:04 PM
    • 9,839 Posts
    • 9,635 Thanks
    sourcrates
    • #2
    • 15th Mar 17, 7:04 PM
    • #2
    • 15th Mar 17, 7:04 PM
    This is an earlier response I made to another poster earlier today :

    Motormile are mostly all mouth and no trousers.

    You should write and demand proof of the debt, you should also inform MM that using the threat of legal action in order to gain payment of the debt without providing any evidence of liability, is a practice frowned upon by the FSA.

    They are already on the FSA radar due to historic errors in due diligence :

    https://www.fca.org.uk/news/press-releases/debt-purchaser-motormile-finance-agrees-redress-package

    Something for which they are having to pay compensation for.

    More help here :

    https://debtcamel.co.uk/court-payday-loan-debt/

    Provit letter here :

    http://forums.moneysavingexpert.com/showthread.php?t=2607247
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • gosavesomething
    • By gosavesomething 16th Mar 17, 9:00 AM
    • 22 Posts
    • 5 Thanks
    gosavesomething
    • #3
    • 16th Mar 17, 9:00 AM
    • #3
    • 16th Mar 17, 9:00 AM
    I have sent the Prove It! letter today via Recorded Delivery.

    Yesterday, I was unsure which original creditor assumed that I owed them money, having never heard of Northway before. However, after some Google detective work I can see that they are/were connected with poundstillpayday. Previously, I have had a loan with them but it was paid off in full, over 6 years ago.

    I do not have any evidence that I have paid back this loan and now they are asking for payment via a DCA (mmile). I paid the money back to poundstillpayday directly over the phone, at the time I was naïve and did not ask for a letter confirming the payment as full and final settlement, something which I know to do now.

    Shall I just wait and see what the reply is from the Prove it! letter?
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