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Mmf and kapama limited

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  • #1

    Mmf and kapama limited

    Hi wondering if any one can help or advise

    New to the forum

    Hi yesterday we randomly recieved a letter from mmf debt purchase and recovery

    Total balance £628

    No idea what this is and nothing to that ammount on my credit file that i can see

    Buried my head a few year ago .. now trying to get back on track ...


    Any advice would be great .. think was a payday loan but unsure . Nothing is mentioned in the letter


    Also the day before


    Checked on clear score as i do regular and things were improving .. trying to get my score up after years of burying my head .. pay day loans etc ..

    Today i see a new one

    Listed as
    Kapama limited (I)

    Current balance £936

    Opening balance £189

    ACCOUNT OPENED
    14th March 2014

    Had no corrspondence
    Although i have moved over 2 year now

    Ok do i contact them ?
    Which would mean giving current address ?
    Leave alone ?

    Reading so much regarding these people and how they trade and cant supply the correct info when requested .

    Also how can £189 b3come £936

    If any one can advise would be great


    Also i had a previous dept with british gas in 2014... paid now in full towards end of last year but still showing even though it says balance zero ? Should this be marked as a positive





    Thanks
    In advance

    Dave
    Tags: None
  • #2
    Re: Mmf and kapama limited

    Kapama are a debt purchaser.
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

    Comment

    • #3
      Re: Mmf and kapama limited

      You need to check your credit records with all three credit reference agencies to get a better picture, see http://debtcamel.co.uk/best-way-to-check-credit-score/. Clear Show only shows debts reported to Equifax and many payday lenders don't use them.

      If you used any payday lenders a lot, you should consider if you could make an affordability complaint, see http://debtcamel.co.uk/payday-loan-refunds/. Conmplaints about loans which you repaid may provide refunds that you can use to settle other debts.

      MMF are a particularly difficult debt purchaser. They have your address. Hopefully you can work out what debt they bought by looking at your other credit records. Otherwise I think you probably have to send the a Prove It! letter as the chance of them forgetting about this debt if you ignore it is slim.

      Kapama are a debt purchaser - they bought loans from Minicredit, a payday lender who has now gone out of business which is how I know them. You asked:

      Also how can £189 b3come £936
      ... that sounds like the magic of payday loans... In which case you should be sending them an affordability complaint, asserting that the original loan was unaffordable.
      • 2 likes

      Comment

      • #4
        Re: Mmf and kapama limited

        Hi thanks for reply ...but cant check any other reports due to not having a bebit card

        Isnt there some thing regarding ...letter i could send saying the debt isnt with you ? I had no notification of transfer of debt ? I have no contract with you etc etc ?

        Sorry just trying to gather ad much info as possible

        Hope fully advice on what to send to them ?

        Thanks

        Dave

        Comment

        • #5
          Re: Mmf and kapama limited

          Sorry should also have added .. i checked via clear score .. i dont have a debit or credit card so dont think i can get a score from any one else .

          3 / 4 year ago in a bit of a mess .
          Breaking down relationship . Work was getting minimal . Sufferd with depression etc .. all lead to a full break down ... lost everything now .. happily married . In a different part of england and now just trying to get everything in order .

          Im self employed . My wife is a full time carer for her oldest son with aspegers .. she has two more and kids and the yougest is 12.

          Any advice realy apreciated

          Thanks

          Dave

          Comment

          • #6
            Re: Mmf and kapama limited

            How are you running a self employed business with no credit or debit card?

            I think you can order the £2 statutory reports by post with no credit or debit card, using a postal order.
            • 1 thank

            Comment

            • #7
              Re: Mmf and kapama limited

              Working as a sub contractor for a local sign / graphic instalations company in kent

              Comment

              • #8
                Re: Mmf and kapama limited

                Hi is the prove it part from reading part of a 3 letter process ?
                Cca ?

                Comment

                • #9
                  Re: Mmf and kapama limited

                  Have you tried the 3 letter process it always fails mean zilch in law

                  Comment

                  • #10
                    Re: Mmf and kapama limited

                    So i need proof of the original agreements etc ? How much originally ?

                    Is that request a cca ?

                    Comment

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