Miss Muddle's UE Diary

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Okey Dokey...your the boss

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.

[Miss Muddled]

Re: Miss Muddle's UE Diary

I'd leave that out

Okey Dokey...your the boss

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Just a thought Niddy, the last amazing letter you complied for this lot at Apex you stated at the bottom of the letter

"I am in the process of consulting with a Solicitor and understand that my Husbands may be suitable for a Conditional Fee Arrangement on a No Win No Fee basis to help us resolve this issue with Apex Credit Management"

What do you think should I remind them of this or just leave it....as it is.

I'd leave that out

[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.

Just a thought Niddy, the last amazing letter you complied for this lot at Apex you stated at the bottom of the letter

"I am in the process of consulting with a Solicitor and understand that my Husbands may be suitable for a Conditional Fee Arrangement on a No Win No Fee basis to help us resolve this issue with Apex Credit Management"

What do you think should I remind them of this or just leave it....as it is.

[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.

Your a star Niddy

Unbelievable...you have such a way with words...Niddy, all written in a matter of mins..

Will send them this on Friday for them to receive Monday that will be their 21 days...adding all the the time to SB diary.

[SA Gold]

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.

What a letter! Bravo

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Hi Niddy

Know your really really busy with forum so don't want to bother you, if poss u get a spare mo could you let me know if you received Apex letters that we emailed you few days ago, as said no immediate rush.

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.

[Miss Muddled]

Re: Miss Muddle's UE Diary

agreements@all-about-debt.co.uk

Cheers SXGuy....

[SXGuy]

Re: Miss Muddle's UE Diary

agreements@all-about-debt.co.uk

[Miss Muddled]

Re: Miss Muddle's UE Diary

Oh dear, me been scattered brain again or what....was about to email letters and CCA to Niddy but cant find the link in his post, has it disappeared or am i not looking hard enough....or am i missing something since upgrade.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Wasn't too sure if Hillesden had connections with DLC and MDB its been a while since we heard from Hillesden, I'm sure they have all these different names/companies to try and confuse people and guess what they certainly managed to do that to us....totally unfair how they are allowed to try and deceive people who are really vunerable (which we were until we were guided here by Elsa).

Cheers everyone for your help and input, its all greatly appreciated.

[garlok]

Re: Miss Muddle's UE Diary

Cloggy is the man to ask if you want any company records mate

Put another way, if you're dodgy he'll find it

l l

regards
G

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Cloggy is the man to ask if you want any company records mate

Put another way, if you're dodgy he'll find it

[garlok]

Re: Miss Muddle's UE Diary

Yea we know this mate - we sent two letters to DLC arguing this exact point - telling them to go forth and multiply lol

Thing is they won't do anything, if they do we'll royally screw them

Now that will be worth buying tickets to see.

One thing I didn't look at though which is something Mrs G normally does, is look at what purchasable reports are available from the CH database. You can often glean a lot from that in a timeline like who resigned and when and who was appointed/reappointed without actually buying the things for a quid a time | think.

I'll try and find a few minutes today to have a look. The CCL thing combined with trading a non trading limited liability company is a real problem for them.


regards
G

[The Tech Clerk]

Re: Miss Muddle's UE Diary

somebody also mentioned in the past year or so that:- Vardi (Ireland) have been selling account over to A.K. as their consumer credit licence had not been renewed for about 6 months and the purchase was therefore illegal) how true I do not know?