Mrs G's MMF Problem

[Mrs Grumpy]

Please bear with me as i am new to this . My Husband bought a car on finance with British Credit trust in 2004 , and like a fool i signed the agreement after he promised to pay the money

After losing his license the car was repossed to 2008, but they have been pestering us for a debt of £7,630.80 ever since . Sometime last year the debt was passed on to MMF and i have been bombarded with letters and phone calls.

My Husband did agree to a repayment plan initially ,but without telling me stopped paying . We have since seperated and he is refusing to pay the money.


I can't work at the moment due to ilness , and the stress is making me worse . i have just got home today , to find the standard letter from Karl Barton pushed through my letter box.

Unless i phone back they are saying they will keep returning untill they find me at home.And that i should arrange a mutual time to come out to avoid my embarrassment that will arise from a unannounced visit.


I am on limited benefits and already in debt with a credit card.my husband used for online gambling while i was in bed.


Any suggestions or ideas to get them off my back ? , i did foolishy offer then a few pounds a month but was turned down .
they want me to pay them £40 every month , which i can't afford.

[ODC]

Re: Mrs G's MMF Problem

they are saying they will keep returning untill they find me at home.And that i should arrange a mutual time to come out to avoid my embarrassment that will arise from a unannounced visit.

This statement alone breaks the OFT Guidelines on at least two points.

They cannot visit you if you do not wish them too.

Sor them to say they will cause you embarrasment is a definate No No

Report their sorry asses to the OFT.

In spite of all their promises to visit me and do such impossible things such as investigate my lifestyle they have still not appeared.

[Mrs Grumpy]

Re: Mrs G's MMF Problem

They told me in an earlier letter they would come out an investigate my lifestyle , and if i still didn't pay they would be returning with the Bailiff's to sieze my assets.

[Hurricane Puffrose]

Re: Mrs G's MMF Problem

report them to the OFT,

enquiries@oft.gsi.gov.uk.

Head the Email CREDIT FITNESS

Company details:

Motormile Finance UK Ltd.

Company Registration number 06637307
Consumer Credit Licence number 0628173

Just speeds things up a bit and makes them aware that your serious about the complaint

[ODC]

Re: Mrs G's MMF Problem

They told me in an earlier letter they would come out an investigate my lifestyle , and if i still didn't pay they would be returning with the Bailiff's to sieze my assets.

Think about how ridiculous this is. How could they investigate your lifestyle?. What are they going to do, follow you around the town, follow you to the loo, check your bins to see if you buy own brand foods or premium foods. These tactics are designed to scare you. They cannot arrive with bailiffs. The only way ballifs can come to your house is IF MMF take you to court and are successful and you do not pay what the Court decides you can afford. Its nothing to do with Motormouth Finace.

[Mrs Grumpy]

Re: Mrs G's MMF Problem

Unless they mean they will come in my house , and see what i have that they can take . If they come back tonight do i refuse to let them through the door , they won't be ringing me as my phone isn't working.

[wales01man]

Re: Mrs G's MMF Problem

reading this has got me mad how can these muppets treat people like this i hope someone on here can reassure this lady that they cannot take this action and help her get it sorted Please

[Inca]

Re: Mrs G's MMF Problem

I have learned one thing on here MrsG NEVER EVER EVER EVER EVER EVER LET ANYONE LIKE THAT THROUGH YOUR DOOR NO MATTER WHAT BULLCRAP THEY SAY THEY CAN AND CAN'T DO.THEY LIE,,THEY ALL LIE.

[ODC]

Re: Mrs G's MMF Problem

Unless they mean they will come in my house , and see what i have that they can take . If they come back tonight do i refuse to let them through the door , they won't be ringing me as my phone isn't working.

A DEBT COLLECTOR c alling at your door has absolutely NO LEGAL POWER whatsoever. If they call TELL them to leave if they refuse you are a woman on your own and are probably worried so Phone the Police and report him as a suspicious person

[Sapphire]

Re: Mrs G's MMF Problem

Tell him to leave your property immediately and that means back out through the front gate, down the drive or whatever, tell them if they don't go then you will have them nicked for Torte of Trespass.

[miliitant]

Re: Mrs G's MMF Problem

lets see if i can give motormouth a bloody nose

do you still have a copy of the agreement from british credit trust

did you get the car finance direct from them or through a broker.

does credit plus ring any bells with you

[Mrs Grumpy]

Re: Mrs G's MMF Problem

No i don't have the original agreement , my husband has probably got it.He got the car from Bristol street Motor's and they arranged the finance with British Credit Trust.

I don't remember credit plus , does it make a difference that my husband's name is also on the agreement . But they are still only hastling me for payment.

[teaboy2]

Re: Mrs G's MMF Problem

Barnaby@mmile.com

That email address above is for Barnaby Page the managing director of motormile finance. Send him an email demanding he calls of his hound dogs, as you deem there letters a breach of not only OFT debt Collection Guidelines but of the protection from harassment act 1997 not to mention the malicious communications act 1988 (as the threat of causing embarressment to yourself is a threat under section 1 A (II)) They can not rely on section 2 to justifiy their breach as the fact they are acting in breach of OFT Guidelines and using unfair trading practices in breach of the CUPTR 2008 prevents them from justifying their actions and threats to publically embarress you.

I don't think it will be long before the OFT takes motomiles credit license from them lol

[Mrs Grumpy]

Re: Mrs G's MMF Problem

Emails have just been sent to both the OFT and Barnaby Page , will let you when i get a reply from either or both.

[ODC]

Re: Mrs G's MMF Problem

Barnaby will probably have to wait until the employee that can read comes in