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Hello
I have received the attached letter from Moriarty law.
This looks like a letter before action? But it is the first I have heard from Moriarty or Motormile finance. At first I could not remember borrowing from CFO lending but after looking through my emails I now remember what happened and how big of a pain CFO were! (tried really hard to keep my language clean there!)
So in late 2013 I applied for a pay day loan with CFO lending but had almost immediate regrets after realising just how much more it was going to cost me, how much it would make my then dire financial situation worse and reading how nasty CFO lending were.
I received an email around an hour later saying that they had tried to call me to confirm some details and I replied back to ask them to stop my application.
I then received an email he next morning saying that the application is now complete and they would be transferring the money to me at 4.30pm that day! I replied again to tell them to cancel it.
I sent them another email at 5.15pm after the money had gone into my account. I asked them for details for me to send this money back to them as I do not want it because it was going to make my situation worse.
I heard nothing for a few days so I phoned them. It was a few years back so I cant remember exactly what was said. But when I asked them to take it back as I did not want it they tried to say I will have to pay £xxx charge for this and £xxx charge for that. And then they got abusive when I refused the charges and they resorted to sarcasm/name calling and I had to hang up.
I then sent another email asking them to either recall the money sent or if they cant do this then to provide bank details so I can transfer it
This was followed by further emails and phone calls requesting the same thing. The phone calls resulting in abuse, name calling, aggression and the emails being ignored until 2 weeks had passed and they had added ridiculous interest and charges. I can see that I then cancelled the CPA authority as I did not trust them and I was still asking for bank details.
They replied saying that I must provide an alternative payment method and I again said I wanted to transfer it back!
This was ignored and I remember phoning them again to receive the same intimidating threats and abuse of unless i pay the charges and interest then xxxx will happen and further name calling.
There are around 8 emails telling them to cancel and I remember around 5 or 6 phone calls. Then my emails go cold for months until I can see an email around 6 months later where I complained to them after they had been calling my place of work and had told my colleagues who they were and why they were calling! By this time the money they had sent had long been gobbled up by my then serious debt problems
I reported them to the FCA and they said I needed to complain to the ombudsmen about them. I dont remember following this up
Now 4-5 years later I have received this letter and dont know what to do, my financial situation has improved somewhat and the problems and defaults from 4.5-8 years ago are dropping off my credit report one by one
May I also add that I am currently under referral of a cardiologist after having difficulties since February so I really don't need this right now. Any advice would be greatly appreciated
The letter gives 4 weeks to respond but due to me being unwell and putting it off over two weeks have already passed.
Thanks very much
I have received the attached letter from Moriarty law.
This looks like a letter before action? But it is the first I have heard from Moriarty or Motormile finance. At first I could not remember borrowing from CFO lending but after looking through my emails I now remember what happened and how big of a pain CFO were! (tried really hard to keep my language clean there!)
So in late 2013 I applied for a pay day loan with CFO lending but had almost immediate regrets after realising just how much more it was going to cost me, how much it would make my then dire financial situation worse and reading how nasty CFO lending were.
I received an email around an hour later saying that they had tried to call me to confirm some details and I replied back to ask them to stop my application.
I then received an email he next morning saying that the application is now complete and they would be transferring the money to me at 4.30pm that day! I replied again to tell them to cancel it.
I sent them another email at 5.15pm after the money had gone into my account. I asked them for details for me to send this money back to them as I do not want it because it was going to make my situation worse.
I heard nothing for a few days so I phoned them. It was a few years back so I cant remember exactly what was said. But when I asked them to take it back as I did not want it they tried to say I will have to pay £xxx charge for this and £xxx charge for that. And then they got abusive when I refused the charges and they resorted to sarcasm/name calling and I had to hang up.
I then sent another email asking them to either recall the money sent or if they cant do this then to provide bank details so I can transfer it
This was followed by further emails and phone calls requesting the same thing. The phone calls resulting in abuse, name calling, aggression and the emails being ignored until 2 weeks had passed and they had added ridiculous interest and charges. I can see that I then cancelled the CPA authority as I did not trust them and I was still asking for bank details.
They replied saying that I must provide an alternative payment method and I again said I wanted to transfer it back!
This was ignored and I remember phoning them again to receive the same intimidating threats and abuse of unless i pay the charges and interest then xxxx will happen and further name calling.
There are around 8 emails telling them to cancel and I remember around 5 or 6 phone calls. Then my emails go cold for months until I can see an email around 6 months later where I complained to them after they had been calling my place of work and had told my colleagues who they were and why they were calling! By this time the money they had sent had long been gobbled up by my then serious debt problems
I reported them to the FCA and they said I needed to complain to the ombudsmen about them. I dont remember following this up
Now 4-5 years later I have received this letter and dont know what to do, my financial situation has improved somewhat and the problems and defaults from 4.5-8 years ago are dropping off my credit report one by one
May I also add that I am currently under referral of a cardiologist after having difficulties since February so I really don't need this right now. Any advice would be greatly appreciated
The letter gives 4 weeks to respond but due to me being unwell and putting it off over two weeks have already passed.
Thanks very much
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