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Hello,
after years of burying my head in the sand about my debts I'm finally trying to get sorted and move on with my life. I looked at my Noddle Credit report and as expected found a number of defaults primarily relating to 2009/10 when I got a lot of credit and failed to keep up payments. Since that time I have took just one loan, a payday loan for £100 with Peachy Loans (aka Cash on Go Ltd) in 2011. I failed to pay this back and Peachy chased me as expected and then passed it onto Mackenzie Hall. I didn't respond at all and subsequently I heard nothing until earlier this month when Motormile Finance (MMF) started e-mailing me threatening home visits and have started sending automated call’s to my work which could be highly embarrassing if I’m not there as other people pick up my calls. I looked on this website and found some very helpful info about contacting there MD and informing them of my rights, Prevention of Harassment act etc which I did yesterday and hopefully this might stop them.
I have checked Noddle and surprisingly the debt states “Up to date” with Opening Balance of £100 and regular payment of £350. I investigated it further and the account was marked for Sep, Oct, Nov of 2012 only with “UC” which according to Noddle is defined as “Unclassified or recently opened account payment delay” and this was last updated on 01/11/2012.
I was hoping for some advice what to do. MMF are demanding a payment of £349.84 which ties in with the regular payment of £350 stated on Call Credit. I have started recently saving money and have enough to pay this debt. Please can anyone help? Should I go direct to the original creditor, Peachy Loans and contact them or speak to these awful people at MMF? I would like to try and negotiate a smaller payment than £350, maybe £225? Do you think I have the best chance of doing this with MMF or Peachy Loans?
Finally, I am worried about this on my credit file. If it goes to default that will be another 6 years staying on it. Can I maybe say to MMF or Peachy I will pay it if I get a guarantee they mark the account as settled and do not mention the default pretty sure I did get a default letter from Peachy last year but cannot find it).
Any help would be much appreciated.
Kind Regards
Matt
after years of burying my head in the sand about my debts I'm finally trying to get sorted and move on with my life. I looked at my Noddle Credit report and as expected found a number of defaults primarily relating to 2009/10 when I got a lot of credit and failed to keep up payments. Since that time I have took just one loan, a payday loan for £100 with Peachy Loans (aka Cash on Go Ltd) in 2011. I failed to pay this back and Peachy chased me as expected and then passed it onto Mackenzie Hall. I didn't respond at all and subsequently I heard nothing until earlier this month when Motormile Finance (MMF) started e-mailing me threatening home visits and have started sending automated call’s to my work which could be highly embarrassing if I’m not there as other people pick up my calls. I looked on this website and found some very helpful info about contacting there MD and informing them of my rights, Prevention of Harassment act etc which I did yesterday and hopefully this might stop them.
I have checked Noddle and surprisingly the debt states “Up to date” with Opening Balance of £100 and regular payment of £350. I investigated it further and the account was marked for Sep, Oct, Nov of 2012 only with “UC” which according to Noddle is defined as “Unclassified or recently opened account payment delay” and this was last updated on 01/11/2012.
I was hoping for some advice what to do. MMF are demanding a payment of £349.84 which ties in with the regular payment of £350 stated on Call Credit. I have started recently saving money and have enough to pay this debt. Please can anyone help? Should I go direct to the original creditor, Peachy Loans and contact them or speak to these awful people at MMF? I would like to try and negotiate a smaller payment than £350, maybe £225? Do you think I have the best chance of doing this with MMF or Peachy Loans?
Finally, I am worried about this on my credit file. If it goes to default that will be another 6 years staying on it. Can I maybe say to MMF or Peachy I will pay it if I get a guarantee they mark the account as settled and do not mention the default pretty sure I did get a default letter from Peachy last year but cannot find it).
Any help would be much appreciated.
Kind Regards
Matt
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