Letters from DCA's - Some sample letters you may have received

[MIKE770]

Re: Letters from DCA's - Some sample letters you may have received

0844 anything up to 8p a minute, beware though of 0843 etc numbers.

[optamistic]

Re: Letters from DCA's - Some sample letters you may have received

hello everyone, first post but have been reading this great site for a while. stumbled across this thread and thought i would share this with you guys. if one has been posted before then apologies.. it raised a few eyebrows when it came through the door.

[ODC]

Re: Letters from DCA's - Some sample letters you may have received

A load of utter drivel by the empty heads at Motormouth Finance. I bet their so called numerous attempts consisted of slimy Shane telling you he was on his way to visit you unless you phoned his telephone threat monkeys. What a loser

[optamistic]

Re: Letters from DCA's - Some sample letters you may have received

A load of utter drivel by the empty heads at Motormouth Finance. I bet their so called numerous attempts consisted of slimy Shane telling you he was on his way to visit you unless you phoned his telephone threat monkeys. What a loser

unfortunately the first i knew of anything was an email from them basicaly demanding money.no letters ,no phone calls just a lonely email. i ignored and then the letters started coming through the door threatening to come round to my house with emails of the same nature to match.

what a bunch of cowboys.

[Crispybacon]

Re: Letters from DCA's - Some sample letters you may have received

That is a completely disgraceful letter.

1) For a start 7 days is not adequate time to give you before initiating court proceedings. Most solicitors now advising at least 21 days.

2) Note they say they MAY apply for a CCJ

3) They make the presumption that they WILL get a CCJ

4) The letter is written to give the impression that once a CCJ is obtained it will result in instructing bailiffs or an AOE which is completely incorrect (this can only be done should the CCJ not be paid). Point to note though, creditors now have been given the green light to apply straight for a charging order at the same time as getting a CCJ, as opposed to a debtor defaulting on the CCJ. Will be interesting to see when this starts appearing on template letters

5) As for the threat of an 'Oral Examination' and being sent to prison - that it outrageous!

I would consider sending a copy of that letter to the OFT and making a formal complaint. Its in breach of OFT guidelines on many levels!

Best
Crispy

[ODC]

Re: Letters from DCA's - Some sample letters you may have received

Crispy all their letters, daft text messages and phone calls are a flagrant breach of the OFT guidelines

[ODC]

Re: Letters from DCA's - Some sample letters you may have received

unfortunately the first i knew of anything was an email from them basicaly demanding money.no letters ,no phone calls just a lonely email. i ignored and then the letters started coming through the door threatening to come round to my house with emails of the same nature to match.

what a bunch of cowboys.

That seems to be their M.O. To threaten home visits right from the start

[optamistic]

Re: Letters from DCA's - Some sample letters you may have received

That is a completely disgraceful letter.

1) For a start 7 days is not adequate time to give you before initiating court proceedings. Most solicitors now advising at least 21 days.

2) Note they say they MAY apply for a CCJ

3) They make the presumption that they WILL get a CCJ

4) The letter is written to give the impression that once a CCJ is obtained it will result in instructing bailiffs or an AOE which is completely incorrect (this can only be done should the CCJ not be paid). Point to note though, creditors now have been given the green light to apply straight for a charging order at the same time as getting a CCJ, as opposed to a debtor defaulting on the CCJ. Will be interesting to see when this starts appearing on template letters

5) As for the threat of an 'Oral Examination' and being sent to prison - that it outrageous!

I would consider sending a copy of that letter to the OFT and making a formal complaint. Its in breach of OFT guidelines on many levels!

Best
Crispy

hi crispy ,thanks for the reply


the debt is for a payday loan that i couldn't keep the repayments up when i lost my job. i can now afford to pay it back but i refuse to jump through their hoops because of the way this has been handled. it got to the stage where my partner was worried that they would show up when i was at work and gain entry to the house, i explained the reasons why they had no right to gain entry but it still caused worry for her.

cut a long story short i angrily(and stupidly) fired of an email explaining to them that i was in a debt management plan (which i am) and if they could give me more details of the debt then they would be contacted. after a few days i received an email stating they had not been contacted by my DMP and would be taking further action (they must have missed the part where i said more details etc..). anyway i have stood my ground and i refuse to budge.

i have requested a copy of the original and signed agreement.
a statement of account,
proof of who owns the debt and
a copy of their complaints procedure.

i have received none of the above.

i have also explained to them that they are not welcome on my property.

they may be in the hope that i will not turn up at court if it goes that far but i honestly hope it does so i can show the judge how this has been handled by them. the threat of jail etc is disgusting and i will be making a complaint to the OFT and anyone else who will lend an ear. they cant get away with stuff like this.

[optamistic]

Re: Letters from DCA's - Some sample letters you may have received

That seems to be their M.O. To threaten home visits right from the start

thats exactly what they do then they send emails like this when you dont reply.

Dear Mr xxxxxxxxxxxxxxx,

SEPTEMBER SPECIAL 70 OFFER
Our ref: xxx
Re: (debt assigned to Motormile Finance UK Ltd)
Debt: £





MMF have not provided any special offers for some time now.

The good news is that directors have authorised your account for a special discount offer. Get rid of this debt once and for all.


Option 1 - a single lump sum payment of 70% in full and final settlement to be paid no later than Friday 28th September 2012...this would mean you paying back less than you actually borrowed!


Option 2 - £10 holding payment made by debit or credit card will secure an instalment settlement figure of 90% of the debt payable over 6 equal monthly payments to start no later than Friday 28th September 2012.


These offers are available for acceptance until 28 September 2012, but call NOW to guarantee the offer as demand on our switchboard will be high.

Please call 0800 9961103 or 01138 876876 for immediate assistance.


Yours faithfully








Home Visit Department
Motormile Finance UK Ltd





and all this before i have acknowledged any debt with them, so they are assuming i owe them money.. not very smart of them

[QCKate]

Re: Letters from DCA's - Some sample letters you may have received

Silly question but are Motormouth licensed?????????????? I cannot see anything on there letterhead or there website.

If there not licensed are they not acting illegally??????

QCK

[MIKE770]

Re: Letters from DCA's - Some sample letters you may have received

---

Registration Number: Z1750842
Date Registered: 05 May 2009 Registration Expires: 04 May 2013




MMF MORTGAGE
MONEY XPRESS
MMF-LEASING

---

This register entry describes, in very general terms, the personal data being processed by:
MOTORMILE FINANCE UK LIMITED
This register entry contains personal data held for 4 purpose(s)

---

Purpose 1

Staff Administration

Purpose Description:

Appointments or removals, pay, discipline, superannuation, work management or other personnel matters in relation to the staff of the data controller.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers
Relatives, guardians and associates of the data subject

Data classes are:

Personal Details
Family, Lifestyle and Social Circumstances
Education and Training Details
Employment Details
Financial Details
Racial or Ethnic Origin
Religious or Other Beliefs Of A Similar Nature
Physical or Mental Health or Condition

[MIKE770]

Re: Letters from DCA's - Some sample letters you may have received

Administration and Factoring

Purpose Description:

The tracing of consumer and commercial debtors and the collection on behalf of creditors. The purchasing of trade debts, including rentals and instalment credit payments, from business.

Data subjects are:

Customers and clients
Relatives, guardians and associates of the data subject

Data classes are:

Personal Details
Financial Details
Goods or Services Provided
Offences (Including Alleged Offences)

[nerijus]

Re: Letters from DCA's - Some sample letters you may have received

I was even threatened to be beaten when they catch me... the thing was, that I did not even had a debt. Somehow sorted it out at the end. But all debt collectors are nasty pieces of work. I know they do their job,but some times they should be a bit more considering.
http://www.njdeco.co.uk/dulwich.html

[optamistic]

Re: Letters from DCA's - Some sample letters you may have received

I was even threatened to be beaten when they catch me... the thing was, that I did not even had a debt. Somehow sorted it out at the end. But all debt collectors are nasty pieces of work. I know they do their job,but some times they should be a bit more considering.

sorry, i don't want to hijack someone elses thread but i'm extremely curious if this was MMF that had threatened to beat you up ?

[ODC]

Re: Letters from DCA's - Some sample letters you may have received

How much would I love someone in Motormouth to threaten to beat me up. They could be certain of one thing that I would prosecute them to the full extent of the law. Then again they would have to speak to me in the first place. I have no intention whatsoever of speaking to them. Lol.