Miss Muddle's UE Diary

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 5

ARGOS STORE CARD

Type of account:–Argos Store Card
Date commenced:- Sept 2002
Approx balance:-£1,600
Last full payment paid:- 2007
Arrangement or not paying: – Paid few small payments to Bryan Carter 2009

2007
Received Default Notice from Argos Card Services found out from previous forum unlawful (Going to send it to Niddy for his expert advice)

2008
Recieved many letters from Fredrickson International and Bryan Carter Solicitors over this year (Paid a few small payments until 2009)

2009
May - Sent CCA Request to Bryan Carter
July - Received CCA/Application Form
July - Sent In Dispute Letter to Bryan Carter
November - Assigned to Hillesden Securities Ltd
December – Letter from dlc saying trading as Hillesden Securities and now own Account

2010
July - Received copy of same CCA/Application Form

2012
Huge Gap in Correspondence from dlc and Hilesden Securities
July - Received letter from dlc asking me to contact Argos Card Services regarding CCA copy (Ignored)

November - Not heard from this lot for few months and they had a big break between 2010 and 2012 but today received a letter from dlc requesting that I pay them £10 per month to clear this debt .

Sending copy of CCA and Default Notice to Niddy for his expert opinion - if we can remember how to do it...


Niddy says.
2013
June - Letter from company called MDB (asspciate company of dlc who now own this account want to discuss account).
June -Sent Niddy’s letter asking what’s their interest as according to Company’s house they are a Non Trading Company.
July -Letter from dlc in reply to Niddy’s letter to MDB (stating MDB are a trading company)
July - Another letter from MDB stating we have ignored 1^st letter (it was redirected to dcl!!!)
July - Sent another Niddy letter to dlc stating a formal complaint stating they are trying to decieve us by saying MDB are a trading company , even although states Non Trading in companys house.
July - Received rely from dlc to our complaint stating MDB are a trading company and are acting agents for dlc and apologise if we thought they were trying to confuse us.
July -Again sent another of Niddy;s great letters to dlc saying MDB DO NOT HAVE A CONSUMERS LICENCE.
August -Received letter from dlc stating once again MDB are a trading company and copy of an entry stating they are trading and new set of T & C and CCA
August -Sent new T & C and CCA and default notice to Niddy for checking
August - Forgot to remember Niddy about me sending CCA, T & C and Default Notice, other more serious things cropped up.
August - Received another letter from MDB stating:
I have been instructed by direct legal & Collections an associated company of Mercantile Data Bureau Ltd to contact you about the above unpaid debt. Your account has been transferred to me due to your continued failure to discharge your current liability. All future contact relating to your account should now be with me.

I would like to give you the opportunity to discuss your account with me before we undertake any action with your account. I will take into consideration your current financial circumstances
and outline the many options available to help resolve this matter.
I urge you to contact me today on 0000000000000 to conclude this matter as quickly as possible.
Know Niddy away just now so can't ask him about CCA...any thoughts.
September- Received letter again from MDB stating account eligable for 50% discount and remaining balance write off and CRA updated.

Received today another letter from MDB saying as advised in thier precious correspondence MDB are now manageming your account on behalf of Hillesden Securities Ltd (wish they would make up thier minds last letter didn't mention Hleesden it was Direct legal & Collections now they are confusing me...anyway they are now offering me 50% discount and remaining balance written off and CRA updated.....as the last letter Niddy kindly wrote for us advised DLC that MDB was not licensed, should I just ignore this letter or send some sort of reply. If I dont reply they are threatening me with doorstep specialists..(the way I feel just now I would be sent to prison if they came to my door, not coping very well, hubby not good and having a knock on effect with me).

[Miss Muddled]

Re: Miss Muddle's UE Diary

Bombard me - its fine
We'll gie ye a few days get back intae the swing o' things..
Break - I wish
Here wiz us thinkin' ye sunnin' yirself on sunny beach sumwhere exotic......now ken thats naw the case unfortunately.

Ill catch up tmw, but for now dinnae stress (and yea I'm also from Scotland - as you know)!
Promise we winnae stress....sure do ken ye fae Scotland Niddy

We have all missed you the past week or so.....great to have you back.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi

Are we talking Argos (DLC) or HBOS as both seem quoted so am confused. Assuming this is the the £1600 Argos debt which DLC / MDB etc are chasing - ignore it. Was the address correct in the letter or did they mis-address it?

However just ignore them for now

This is £1600 Argos that MDB/DLC chasing, yeah address was correct,
stupid new postman.

Many thanks Niddy, for taking the time to reply, know how busy you are just now.
So greatly appreciated.

Will ignore for now....no probs.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Forgot to remind Niddy to have a look at CCA T & C's and Default before he went off, was concentration on HBOS account which gives us more concern than this one...

Anyway today a neighbour handed in a letter she opened by mistake (don't think so nosy bitch..) she had it since Friday and kept forgetting to bring it into us it was from MDB stating:
I have been instructed by direct legal & collections as associated company of Mercantile Data Bureau Ltd., to contact you about the above unpaid debt. Your account has been trasfered to me due to your continued failure to discharge your current liability. All future contact relating to your account should now be with me.

I would like to give you the oportunity to discuss your account with me before we undertake any action with your account. I will take into consideration your current financial circumstances and outline the many options available to help resolve this matter.

I urge you to contact me today to conclude this mater as quickly as possible.

Now up till now Niddy has complied a few cracking letters regarding them not being licensed to send to them, however dlc replied to these letters staing MDB were licensed now they are on our heels again...does anybody know if the above letter represents a Letter before Action (i.e. going to court) not sure what has to be included in one of these letters.

Can't ask Niddy about the CCA T & C's and Default Notice that we sent him as he is away on a well deserved break. The T & C's they sent are one of thre different T & C's we have received over the past 4 years.

ANybody any ideas what we should do, really scared in case this is a Letter befoe Action as they do state "before we undertake any action with your account" in their letter.

Hi

Are we talking Argos (DLC) or HBOS as both seem quoted so am confused. Assuming this is the the £1600 Argos debt which DLC / MDB etc are chasing - ignore it. Was the address correct in the letter or did they mis-address it?

However just ignore them for now

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Bombard me - its fine

Break - I wish

Ill catch up tmw, but for now dinnae stress (and yea I'm also from Scotland - as you know)!

[Miss Muddled]

Re: Miss Muddle's UE Diary

OK let's wait and see what Nids says

and of course I'm in Scotland, no one else knows what eejits are!

Think the slang gave you away.....

Not sure when Niddys is back, but shall hold fire till he can take a peek. Don't want to bombard him as soon as he gets back from his well deserved break.

[MrsD]

Re: Miss Muddle's UE Diary

OK let's wait and see what Nids says

and of course I'm in Scotland, no one else knows what eejits are!

[Miss Muddled]

Re: Miss Muddle's UE Diary

No, just the usual crap. This is not a letter before action. I would ignore for now. Wait until Niddy gets back.

hi

action can mean just sending more stupid letters, don't worry too much about that. Have you sent this mob of eejits a sold in dispute? If you have I'd do a wee onliner referring them to that letter and if not I'd get one off to them. Don't worry!

Cheers Enforcer and MrsD wasn't quite sure how to handle this lot of "eejits" (haven't used that word for a long time MrsD by any chance are you in scotland).

Yeah Sold in Dispute sounds good, haven't sent one before only ever sent the cracking letters Niddy complied telling them they are not licensed and until such time they are we wont be dealing with them, also did advise dlc that we wouldn't communicate with MDB so there again, not sure if Sold in Dispute should be sent. I realy don't want to jeopodise anything at this late stage. Maybe I'll hang off until Niddy comes back wouldn't want to undo all his hard work, especially after the letters stating we wouldn't communicate with MDB.

I am realy trying to sail this one out as SB in June next year

[MrsD]

Re: Miss Muddle's UE Diary

hi

action can mean just sending more stupid letters, don't worry too much about that. Have you sent this mob of eejits a sold in dispute? If you have I'd do a wee onliner referring them to that letter and if not I'd get one off to them. Don't worry!

[Enforcer]

Re: Miss Muddle's UE Diary

No, just the usual crap. This is not a letter before action. I would ignore for now. Wait until Niddy gets back.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 5

ARGOS STORE CARD

Type of account:–BOS CREDIT CARD
Date commenced:- Sept 2002
Approx balance:-£1,600
Last full payment paid:- 2007
Arrangement or not paying: – Paid few small payments to Bryan Carter 2009

2007
Received Default Notice from Argos Card Services found out from previous forum unlawful (Going to send it to Niddy for his expert advice)

2008
Recieved many letters from Fredrickson International and Bryan Carter Solicitors over this year (Paid a few small payments until 2009)

2009
May - Sent CCA Request to Bryan Carter
July - Received CCA/Application Form
July - Sent In Dispute Letter to Bryan Carter
November - Assigned to Hillesden Securities Ltd
December – Letter from dlc saying trading as Hillesden Securities and now own Account

2010
July - Received copy of same CCA/Application Form

2012
Huge Gap in Correspondence from dlc and Hilesden Securities
July - Received letter from dlc asking me to contact Argos Card Services regarding CCA copy (Ignored)

November - Not heard from this lot for few months and they had a big break between 2010 and 2012 but today received a letter from dlc requesting that I pay them £10 per month to clear this debt .

Sending copy of CCA and Default Notice to Niddy for his expert opinion - if we can remember how to do it...


Niddy says.
2013
June - Letter from company called MDB (asspciate company of dlc who now own this account want to discuss account).
June -Sent Niddy’s letter asking what’s their interest as according to Company’s house they are a Non Trading Company.
July -Letter from dlc in reply to Niddy’s letter to MDB (stating MDB are a trading company)
July - Another letter from MDB stating we have ignored 1^st letter (it was redirected to dcl!!!)
July - Sent another Niddy letter to dlc stating a formal complaint stating they are trying to decieve us by saying MDB are a trading company , even although states Non Trading in companys house.
July - Received rely from dlc to our complaint stating MDB are a trading company and are acting agents for dlc and apologise if we thought they were trying to confuse us.
July -Again sent another of Niddy;s great letters to dlc saying MDB DO NOT HAVE A CONSUMERS LICENCE.
August -Received letter from dlc stating once again MDB are a trading company and copy of an entry stating they are trading and new set of T & C and CCA
August -Sent new T & C and CCA and default notice to Niddy for checking
August - Forgot to remember Niddy about me sending CCA, T & C and Default Notice, other more serious things cropped up.
August - Received another letter from MDB stating:
I have been instructed by direct legal & Collections an associated company of Mercantile Data Bureau Ltd to contact you about the above unpaid debt. Your account has been transferred to me due to your continued failure to discharge your current liability. All future contact relating to your account should now be with me.

I would like to give you the opportunity to discuss your account with me before we undertake any action with your account. I will take into consideration your current financial circumstances
and outline the many options available to help resolve this matter.
I urge you to contact me today on 0000000000000 to conclude this matter as quickly as possible.
Know Niddy away just now so can’t ask him about CCA…any thoughts on what

Forgot to remind Niddy to have a look at CCA T & C's and Default before he went off, was concentration on HBOS account which gives us more concern than this one...

Anyway today a neighbour handed in a letter she opened by mistake (don't think so nosy bitch..) she had it since Friday and kept forgetting to bring it into us it was from MDB stating:
I have been instructed by direct legal & collections as associated company of Mercantile Data Bureau Ltd., to contact you about the above unpaid debt. Your account has been trasfered to me due to your continued failure to discharge your current liability. All future contact relating to your account should now be with me.

I would like to give you the oportunity to discuss your account with me before we undertake any action with your account. I will take into consideration your current financial circumstances and outline the many options available to help resolve this matter.

I urge you to contact me today to conclude this mater as quickly as possible.

Now up till now Niddy has complied a few cracking letters regarding them not being licensed to send to them, however dlc replied to these letters staing MDB were licensed now they are on our heels again...does anybody know if the above letter represents a Letter before Action (i.e. going to court) not sure what has to be included in one of these letters.

Can't ask Niddy about the CCA T & C's and Default Notice that we sent him as he is away on a well deserved break. The T & C's they sent are one of thre different T & C's we have received over the past 4 years.

ANybody any ideas what we should do, really scared in case this is a Letter befoe Action as they do state "before we undertake any action with your account" in their letter.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Nah, it'll be bulk signed for, ie they sign once for like 50 items, give it time

Cheers Niddy, will keep you all updated...(Sorry for not replying sooner Mr M not good just now)

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Sent above letter to APex on Friday 9th august checked Royal Mail site this morning still not delivered, do you think I shoud resend another copy.....

Nah, it'll be bulk signed for, ie they sign once for like 50 items, give it time

[Miss Muddled]

Re: Miss Muddle's UE Diary

I would respond as follows (to Apex - HBOS)

Dear Sirs,

Ref: xxxxxxxx

I write with reference to your letter dated 23 July 2013 and note the content within.

It appears we’re going round in circles all the time, due to your ignorance of the facts and refusal to deal with a very serious ongoing complaint. You keep harping on about going to the FOS yet you know full well, as do I, that the FOS cannot make any formal decision when it comes to s.78 (CCA 1974) issues. Only a judge can deem an account irredeemably unenforceable so why are you telling me it’s your final response when I am entitled to question and request a new s.78 CCA Request every 30 days if I so desire – you cannot simply treat it as a formal complaint and then close it off – it doesn't work like that and this could therefore be construed as an attempt to deceive me.

I am not going to make any offer to pay, and likewise I put you to strict proof of payments you claim from 2009, by way of statements showing the receipts and the method of receipted payment as I cannot recall ever paying into this because it has been in dispute for so long. I acknowledge nothing, hence my argumentative letters – I am asking you to prove what you are claiming – you cannot do this so here we are again, back at the start.

I suggest you consider returning this account to the original creditor. Any attempted harassment, unlawful visits or legal action will be met with a swift counterclaim and full defence.

Yours faithfully,




Sign Digitally.

Sent above letter to APex on Friday 9th august checked Royal Mail site this morning still not delivered, do you think I shoud resend another copy.....

[Miss Muddled]

Re: Miss Muddle's UE Diary

nooooo you're the boss I'm just the bitch

Seriously though, do whatever you feel is best. I just think it might be OTT with that particular letter.

I think some of Mr M Doctors and Consultants would beg to differ with you on that one.....according to my Daughters and Hubby they think I'm the Bitch from Hell with Hubby's Doc's, as now I stand for none of their crap now, fed up with Hubby being pasted pillar to post and back again, starting to put foot down as recently he seems to slipping backwards.


Change your title to BB *Boss Bitch*

Will defo just stick with main letter, respect your guidance totally....wouldn't do anything to jeopodise all your good work you have done for us over the past year.