Motor mile finance and supposed debt

gazza1591

Hi all

I got this email this morning at 1.15am from the above company. Now I did have a pounds till payday loan but this was years back and I mean at least 4 if not longer, I have had no letter from these people saying I owe the £80, as far as I can remember the loan was paid back in full but as said as it was so many years a go I have no paper work to prove it?
Just wondering what my next step is as I don't really want to get on the bad credit files and don't want them visiting me at home, yes I could pay the £80 but as I said I don't believe I owe it but cant prove it. As it was so many years back I can't believe if this is the case why it's took so many years for them to contact me?


TRANSFER TO HOME VISIT DEPARTMENT
Our Ref: ***********
Pounds Till Payday - Payday Loan
Debt Value: £80.00

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

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

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

- Payment of the debt over monthly instalments.

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

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

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

Yours faithfully,

Doorstep Collections Dept
MotorMile Finance UK Ltd.

0845 2418729 :Telephone
0113 8873869 :Local
0808 1686913 :Freephone

fermi

Adapt to suit ---> Letter when you know nothing about about the debt - AKA "Prove it" letter

gazza1591

Cheers for that so do I just adapt and send back via email then

fermi

You could try that at first, but if they continue to hassle may be worth back up by sending recorded post.

sourcrates

I can tell you now Motor mile are persistent little bu**ers, don't expect any reply from them OP, the only letters they respond to are letters headed "COMPLAINT" and even then only if your lucky, they prefer to intimidate by post and phone.


Check out this link, explains a bit about how they work :


http://hillards.webs.com/howdcasoperate.htm

gazza1591

Cheers well will send letter off via email and see if they respond if they don't and they turn up I will just ask them to leave my property and if they don't will call the police on them. As I have not arranged any appointments with them to visit.

sourcrates

gazza1591 wrote: »

Cheers well will send letter off via email and see if they respond if they don't and they turn up I will just ask them to leave my property and if they don't will call the police on them. As I have not arranged any appointments with them to visit.

To be honest, for £80, its unlikely anyone will call, they may threaten all sorts of things, but that's all they are, threats !!!!!

cottage_retreatist

motor mile are b*ggers! i sent them numerous prove it letters and they have never responded, they've now marked the account as a default on the credit file - so we may well have to deal with them at some point (they backdated the default correctly at least!) but no way in hell are they getting the full required amount! mwahahaha!!!

Bottom feeders of the worst degree
if you can, wait it out they will keep persisting but hopefully someone will see how terrible they are and shut them down at some point with their menacing tactics.

sourcrates

I took them as far as the FOS with a complaint about the amount of a debt they were claiming I owed,( had paid it, they added charges, which I would not pay) the FOS decided in there favour, apparently they only decide a case on the financial aspects, not how the DCA has behaved in attempting collection, I had numerous calls to work, saying they were "coming to take the furniture/telly etc" to work ?? my boss was not happy, they eventually went away, but the tactics they use are shocking and if you don't know your rights, you could easily fall for there threats, they will go to far eventually and get shut down, if everyone complained this would happen a lot quicker.

Powered_By_Pies

gazza1591 wrote: »

Hi all

I got this email this morning at 1.15am from the above company. Now I did have a pounds till payday loan but this was years back and I mean at least 4 if not longer, I have had no letter from these people saying I owe the £80, as far as I can remember the loan was paid back in full but as said as it was so many years a go I have no paper work to prove it?
Just wondering what my next step is as I don't really want to get on the bad credit files and don't want them visiting me at home, yes I could pay the £80 but as I said I don't believe I owe it but cant prove it. As it was so many years back I can't believe if this is the case why it's took so many years for them to contact me?


TRANSFER TO HOME VISIT DEPARTMENT
Our Ref: ***********
Pounds Till Payday - Payday Loan
Debt Value: £80.00

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

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

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

- Payment of the debt over monthly instalments.

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

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

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

Yours faithfully,

Doorstep Collections Dept
MotorMile Finance UK Ltd.

0845 2418729 :Telephone
0113 8873869 :Local
0808 1686913 :Freephone

Good god, is that really what they send out to people!? I know this lot are nothing more than the fetid sprinklings at the bottom of the toilet bowl after a particularly boisterous Vindaloo, but I didn't think it was that vicious!

sourcrates

Powered_By_Pies wrote: »

Good god, is that really what they send out to people!? I know this lot are nothing more than the fetid sprinklings at the bottom of the toilet bowl after a particularly boisterous Vindaloo, but I didn't think it was that vicious!

If you really want a good laugh, have a look on there website, it states in brilliantly bold lettering :


"DONT IGNORE US" :rotfl::rotfl::rotfl:


Bless, I almost feel sorry for them !!!!!!!!