MMF claiming I owe money, but I don't - What do I do?

[Yossu]

Hello,

I received a letter a week or so from MMF, saying they were claiming an unpaid debt. I have never heard of them, nor of the company for whom they were claiming, and have never actually taken out a loan in my life, other than my mortgage.

I rang them and explained, and they said they would send me a form, which I should fill in and return, so they could investigate it as a fraud.

Just got the form, and they want all sorts of personal details which I don't really feel inclined to give them. Yes, I want to get them off my back, but I don't see why I should ahve to supply so much info that is none of their business.

Anyone any experience with this sort of thing? Not sure what to do.

Thanks for any advice you can give.

[paulajayne]

Re: MMF claiming I owe money, but I don't - What do I do?

Try a Debt is denied letter refer back to your principal.

[Yossu]

Re: MMF claiming I owe money, but I don't - What do I do?

Hello,

Thanks for the reply, but can you explain a bit more. I'm not a legal-beagle at all, so am not familiar with the terminology. Who is the principle?

I already told them I denied the debt, and they said I have to fill in this form so they can investigate it. If I send them a letter denying the debt, won't they just say I have to fill in the form?

Thanks again for the reply. Any further clarification would be appreciated.

[nemesis45]

Re: MMF claiming I owe money, but I don't - What do I do?

Hello,

I received a letter a week or so from MMF, saying they were claiming an unpaid debt. I have never heard of them, nor of the company for whom they were claiming, and have never actually taken out a loan in my life, other than my mortgage.

I rang them and explained, and they said they would send me a form, which I should fill in and return, so they could investigate it as a fraud.

Just got the form, and they want all sorts of personal details which I don't really feel inclined to give them. Yes, I want to get them off my back, but I don't see why I should ahve to supply so much info that is none of their business.

Anyone any experience with this sort of thing? Not sure what to do.

Thanks for any advice you can give.

Good afternoon welcome to LB,

I have had many dealings with Motor Mouth over the years and was responsible
in part for getting the OFT to censure them.
Please do not phone them again they are a most unpleasant company.

What type of debt was this a Payday Loan?

You do not have to give them personal details.

I am just going to check on something then I'll be back to
your thread.


nem.

OK:

Private & Confidential

Ms Denise Crossley
Director
MMF Ltd.

Date:

Ref: use theirs:
Re: Formal Complaint

Dear Ms Crossley.,

I refer to a letter from MMF Ltd dated.................: in which it is alleged that I am indebted to MMF Ltd., to a debt arising from a loan
with xxxxxxxxxxxxx.

Please take not I do not acknowledge any liability to MMF Ltd or any company it may claim to represent.

Take note: I your name am not now nor have ever been a client of .................................., and have never had a loan facility provided by them.

MMF Ltd. will with immediate effect cease to contact me other than to confirm that is has complied with my instructions.

MMF Ltd., Will not telephone me, e-mail me or send text messages to me.

I am sure MMF Ltd is fully aware of the FCA rules regarding contacting individuals when it does not
know if it is contacting the correct person in regard to the alleged debt.

I have been made aware of requirements made by the OFT regarding the conduct of MMF Ltd., in the past and
I will not hesitate to report its current conduct to the FCA.

I also require MMF Ltd., to remove all/any reference to this alleged debt from all credit reference agencies to
which it has been reported.
I will allow 7 working days for your response after which I shall take any further action I deem necessary.

yours etc.

Use 1st class signed for post and check delivery date.

I suggest you also check your credit files (Noddle is free online).

nem

[Yossu]

Re: MMF claiming I owe money, but I don't - What do I do?

Wow, what a great response! Thanks very much.

I've used your text to write a letter, and just for good measure, emailed the same thing to them. I used a throwaway email address, so not really worried if they start sending me stuff. I will reply to the first one pointing out that I specifically instructed them not to email me, then junk any more

As for Noddle, is it really free and is it safe? Did a quick search, and found quite a few complaints from people saying that they were charged £12 per month. Not that my credit rating really worries me, as I'm not really in a position to need it, but it would be interesting to know what it's like.

Thanks again.

[nemesis45]

Re: MMF claiming I owe money, but I don't - What do I do?

Wow, what a great response! Thanks very much.

I've used your text to write a letter, and just for good measure, emailed the same thing to them. I used a throwaway email address, so not really worried if they start sending me stuff. I will reply to the first one pointing out that I specifically instructed them not to email me, then junk any more



As for Noddle, is it really free and is it safe? Did a quick search, and found quite a few complaints from people saying that they were charged £12 per month. Not that my credit rating really worries me, as I'm not really in a position to need it, but it would be interesting to know what it's like.

Thanks again.

Noddle is free definitely. Some people have signed up for Call Credit which is Noddle's parent company
which does charge.

nem

[Yossu]

Re: MMF claiming I owe money, but I don't - What do I do?

Thanks

[Yossu]

Re: MMF claiming I owe money, but I don't - What do I do?

Hello again.

I got a reply to my email (not by post as I requested, but what do you expect!) apologising for the issue, and confirming that they will be conducting a full investigation, blah blah.

They request that I send them my full name, date of birth and first line of address. On the one hand, I don't feel inclined to give them any info, but on the other, they already have my full name and address, so it's only the dob that they would be gaining. If that is what's needed to get them off my back, I'm not sure it's worth arguing.

Any thoughts? Thanks again for all the help.