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Motormile - Pounds til Payday - doorstep collection
Motormile have purchased an alleged debt from Pounds til Payday. The alleged debt was from 2009 and I have genuinely no recollection of the alleged debt. I wrote to MMF and asked for proof of my liability to the alleged debt and request that they do not send a doorstep collector to my home address.
I have received a response from MMF ....
Dear Snapples
a) Please find enclosed a copy of the loan agreement with Pounds til Payday (NO agreement was enclosed)
b) In your relation to your revocation of the doorstep licence regarding our intention to send an agent to your home to discuss the debt.
YOU are not correct in your assertion that , under FCA rules (or OFT rules - be advised they are no longer our regulator), we can only call at your home if you agree to make an appointment. The debt is NOT reasonably disputed or deadlocked and WE are giving you reasonable notice of the timing of the visit.
When you took out this loan, you impliedly agreed that the creditor could communicate with you to discuss payment. You do not have the contractual right to revoke that agreement until the loan has been replied. Yet you have frustrated our attempts to discuss the matter either by letter or telephone.
Regards
MMF
I have just noticed that my credit report states:
Account Date Start: 08/05/2009
Date of Default: 29/05/2009
If as MMF claim that this was a payday loan debt then the loan would have been repayable in, for example 1 month, however the period between the account start date and the default date is only 21 days.
Motormile have purchased an alleged debt from Pounds til Payday. The alleged debt was from 2009 and I have genuinely no recollection of the alleged debt. I wrote to MMF and asked for proof of my liability to the alleged debt and request that they do not send a doorstep collector to my home address.
I have received a response from MMF ....
Dear Snapples
a) Please find enclosed a copy of the loan agreement with Pounds til Payday (NO agreement was enclosed)
b) In your relation to your revocation of the doorstep licence regarding our intention to send an agent to your home to discuss the debt.
YOU are not correct in your assertion that , under FCA rules (or OFT rules - be advised they are no longer our regulator), we can only call at your home if you agree to make an appointment. The debt is NOT reasonably disputed or deadlocked and WE are giving you reasonable notice of the timing of the visit.
When you took out this loan, you impliedly agreed that the creditor could communicate with you to discuss payment. You do not have the contractual right to revoke that agreement until the loan has been replied. Yet you have frustrated our attempts to discuss the matter either by letter or telephone.
Regards
MMF
I have just noticed that my credit report states:
Account Date Start: 08/05/2009
Date of Default: 29/05/2009
If as MMF claim that this was a payday loan debt then the loan would have been repayable in, for example 1 month, however the period between the account start date and the default date is only 21 days.
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