Miss Muddle's UE Diary

[Miss Muddled]

Re: Miss Muddle's UE Diary

Respond as follows (*edit the dates);

Dear Sirs,

Ref: xxxxxxxx

Thanks for your letter of xx July 2013, the content has been noted.

You are still trying to hoodwink me here, let me elaborate, in specific response to your letter;

1. MDB DO NOT have a consumer credit licence, I have asked you on two previous occasions for their CCL Number - you cannot provide it hence you ARE deliberately misleading me;
2. You opened a letter for another company and replied to me from your company, then you try and act clever by saying that the registered address is at the bottom of all letters - do you really think this is acceptable in line with the provisions of holding a consumer credit licence? I would argue you are doing everything you can to deceive and mislead me here;
3. Company Number 01829604 IS dormant/non trading - I suggest you get your facts straight;
4. As you are the legal owner, I will communicate with you but will never respond to, or reply to anything from an unlicensed dormant firm;
5. You then say you don't mean to deceive your customers yet reading your letter, I am still none the wiser - the thing is to date, all from one letter arriving from an unregistered and unlicensed company, I have been told you're part of the Faccenda Group who are part of Hillesdon Securities who own you (DLC) and MDB so please help me out, who the hell am I supposed to be writing to?
6. I have made it clear that you should NOT send anyone to my home address, no matter the reason. The Guidelines clearly state that so long as a debtor is communicating then you have no right to call at their home address - calling at my home address will result in severe consequences and I demand you acknowledge this point and DO NOT attempt to send anybody to my address. If you do then I will seek the full strength of the law and bring criminal proceedings against the person who authorises any such visit - you must heed this warning;
7. There is no balance, the account is unenforceable as previously explained. Please provide me with a signed copy of my agreement then, with the terms that I agreed to when the product was opened. Until such time you comply with this very simple request then this account is unenforceable in line with s.127 CCA1974.

I suggest you seek immediate advice regards this matter because you're not doing yourself any favours here.

Yours faithfully,




Sign Digitally.

Wee update...sent above letter 2 weeks ago still no reply from dlc, wonder what their thoughts were when they read above letter composed by oor Niddy. Will keep you all posted.

[Miss Muddled]

Re: Miss Muddle's UE Diary

I did receive them and replied to the email too.

Ill sort a suitable reply early next week but you need to delay sending anyway so no rush right now, as you say

Cheers Niddy,

Didnt get your reply, it seems not getting any emails from forum...but no worries as long as I know you got them, as we said defo no hurry.....want to stretch this out as much as we can. "Yer dain a grand job o this forum as me mither wid say" Will leave you in peace to finish such an immense job.....you deserve a knighthood for all your great work you put into this forum (Or maybe just a huge donation would help better)

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

I did receive them and replied to the email too.

Ill sort a suitable reply early next week but you need to delay sending anyway so no rush right now, as you say

[Miss Muddled]

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. Just dont trust our comp just now doing strange things and not being comp literate I really don't know where to start to look for faults. sometime emails reaching people sometimes not....I'm still not getting notifications from forum with new posts, but thats not important I just log in and find all new posts.

Greatly appreciate all the work and effort you have put into forum, amazing job. looking fabulous.

[Miss Muddled]

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. Just dont trust our comp just now doing strange things and not being comp literate I really don't know where to start to look for faults. sometime emails reaching people sometimes not....I'm still not getting notifications from forum with new posts, but thats not important I just log in and find all new posts.

Greatly appreciate all the work and effort you have put into forum, amazing job. looking fabulous.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Copies of letters on there way....

[Miss Muddled]

Re: Miss Muddle's UE Diary

Scan it all in. Why not? Then I'll sort you a reply.....

Cheers Niddy, yer a star...got home from hospital tonight Mr M been for tests most of the day...greeted by this letter and the dreaded DWP letter for us to reappply for the new benefit ESA, can't believe this is all happening at once. Tryng not to panic, taking one step at a time....dont want to stress Mr M.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Scan it all in. Why not? Then I'll sort you a reply.....

[Miss Muddled]

Re: Miss Muddle's UE Diary

Can you email me their reply please

Stay calm.

Will get it emailed as soon as poss need to wait for Daughter to come in, as you know me complete dunderheed when it comes to computers.

They have sent me a reply plus copies of their letters they are referring to, do you want me to send copies also, or just their letter of reply.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Can you email me their reply please

Stay calm.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 2

BOS – OVERDRAFT

Type of account:– BOS OVERDRAFT
Date commenced:- ????
Approx balance:- £3,000
Last full payment paid:- November 2009
Arrangement or not paying:– Not Paying

Status:- DEFAULT NOTICE FEBRUARY 2009 (TERMINATED ACCOUNT 16 DAYS EARLY OF REMEDY DATE)

Account owner:- Wescot Credit Services

2008
November – Received letter from BOS withdrawing our Overdraft
December - Received 4 more letters demanding repayment of overdraft

2009
January - Received letter demanding repayment.
February - Received Default Notice - Remedy 21st March 2009.
March - Received Termination Notice 16 days early.
March - Received letter from Albion Collections Demanding Payment.
April - Received Letter from Albion Collections “Call Us”.
April - Received letter from Albion Collections “Contact Us”.
May - Received Letter from Albion Collection “Further Action”
June - Received Letter Blair Oliver Scott “Door step threat”Court Action.
June - Made arrangement to pay £50 per month.
November – Couldn’t keep up payments (Demand letter from Blair Oliver Scott.

2010
Febrauary - Received Doorstep threat Letter
March - Received Notice of Intended Court Action letter.
April - Replied to Blair Oliver Scott advising them of Default/Termination fault.
April - Received Letter from Robinson Way “Formal Demand for Payment”
April - Replied advising Bad Default/Termination.
April - Received Letter Rob Way “Immediate Action Required”
May - Received letter Rob Way Account on Hold.
May - Received letter Rob Way to contact BOS with dispute.
July - Received letter Rob Way “House Visit Threat”
August - Received letter Rob Way “Court Action Threat”
August - Received Letter from Iqor “Demanding full payment”.
August - Replied advising Iqor of Bad Default/Termination.
October - Received letter from Geoffrey Park Bourne Sols demanding full payment.
October - Replied to GPB Sols Bad Default/Termination.
December - Received letter from Moorcroft “Intended Litigation”
December - Replied to Moorcroft “Bad Default/Termination”.
December - Sent Moorcroft “Hasselment letter”.
December - Received letter from Moorcroft “Account on Hold”

2011
January - Received letter from Moorcroft “Contact BOS” (Ignored)
January - Received Letter form Moorcroft “Possible Litigation”
January - Received letter from Moorcroft “Contact BOS” (Ignored)
February - Received letter from Moorcroft “Doorstep Threat/Payment Plan”
February - Received letter from Moorcroft “Account on Hold”

2012
February - Received Notice of Assignment letter from BOS and Wescot
February - Replied to Wescot with CCA request.
April - Still no reply from Wescot regarding my CCA request in February (Hopefully haven't spoken to soon!!!)
May: Spoken too soon, letter from Wescot arrived yesterday in reply to my CCA request in Febrruary, saying they have contacted HBOS for requested information.

As posted above received letter 2 weeks ago saying tried to contact us but couldn't talk to us, want to resolve matter, checked we owned house......

Sent letter back to them stating no further correspondence will take place until they acknowledge points in previous letters, referring them to previous letters.....

Then today received another letter from them dated the same date they received my reply stating exactly what they said in their 1st letter that they tried to contact us but couldn't talk to us, range of options available to help, whilst fulll balance due for immediate payment we can find a repayment plan that suits your financial situation (I doubt it)

Not sure if we should reply again or ignore, this is a huge balance , however Niddy says UE, it is a joint Application form for 2 credit cards and Niddy has already got 1st Credit to return the other Credit Card back BOS.

Right folks,,,Niddy was right last letter crossed in post, received another letter from Apex today, getting the heebjeebees now, more info in this this letter than last few....not sure if I should say too much on this thread as lot that was in the letter could identify us quite easily...would it be poss to start a thread in the protected section for this account

[Miss Muddled]

Re: Miss Muddle's UE Diary

Panic over.... couldn't get onto get on forum all day yesterday. turns out it was something to do with our internet connection....

Cheers Niddy thought that but just wanted to check other opinions....dont want to do something stupid and undo all that hard work you have put into helping us,

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Just ignore this. It's a cross in post isn't it

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 1

HBOS – MASTERCARD CREDIT CARD

Type of account:– BOS CREDIT CARD
Date commenced:- MARCH 1996
Approx balance:- £11,500
Last full payment paid:- 2009
Arrangement or not paying: – Had an arrangement with Apex Credit Management for reduced payments in Dec 2008 for approx 6 months

Status:- No Default on Experian – Never received a Default Notice or Termination Letter, I would say approx going by statements default approx March 2008.

Account owner:- Apex Credit Management – Assigned October 2008

2008
March - Got into financial difficulty due to giving up work to look after Hubby. Sent umpteen letters and phone calls to BOS to try an come to some arrangement, they wouldn’t listen (Sound familiar) – NO JOY.
October - Received Letter of Assignment from Apex and BOS – Debt Sold to Apex Credit Management.
Oct 2008/April 2009 – Paid reduce monthly installments to Apex.

2009
May – Sent CCA Request to Apex.
September – Received set of T & C’s from Apex.
October – Replied to Apex advising them CCA request in Dispute.
November – Received CCA/Application Form.
December–Sent In Dispute Letter to Apex.
December –Receivedletter fromApex put hold on account.

2010
January – Received another copy of CCA/Application for & T & C’s exact same as before.
January - Sent Account In Dispute Letter.
January –Received letter from Apex, they are satisfied they have addressed all issues Account No Longer In Dispute.
February - Received Letter from Apex to contact them.
March-Sent letter reiterating Account In Dispute.
March -Received Threat of Action Letter.
April – Received Debtors Notice threatening Legal Action.
April - Received Letter from Pinnacle Legal Recoveries on behalf of Apex keen to discuss payment, reduce settlement figure.
April -Sent letter to Pinnacle to advise them Account in Dispute.
May - Received letter from Pinnacle ‘NOTICE OF LEGAL ACTION’.
May - Received from Pinnacle ‘LETTER BEFORE ACTION’.
May - Received letter from Apex Full payment within 72 hours or else. (Ignored)
November -Received Letter from Apex Legal Action to commence, threat of Charging Order. (Ignored)

November - Received letter from Pinnacle legal action to commence.
November -Sent letter welcoming legal action.
February- Received letter from Apex ‘PROTECT YOUR CREDIT RATING’ (Too LATE)

2012
February - Sent letter advising of Hubby’s Medical circumstances.
March - Received letter from Apex they have sent for another copy of the CCA to BOS to check queries and require documentation of Hubbys medical condition.

March - Sent CCA to Niddy for checking.....And NIDDY SAYS....
April - Sent Missing Prescribed T & C to APex as advised by Niddy.
April - Received letter from APex stating all diferent section so fCCA Act and requesting I contact them to pay (But as you can see Niddy deemed UE so guess who won't be contacting them - Letter Ignored on Niddy's advice)

2013
July - Recieved letter from Apex stating they have written on numerous occaions and unfortunately I have not replied (all lies, sent letter Niddy complied to thier last letter)
July - Sent letter referring them to previous letters amd say no further correspondence will take place with Apeex until they acknowledge all points in previous letters. (They receieved letter 18/7/13)
July - Received letter dated 18/7/13 same day they received above letter from me. Again their letter satting Tried to contact us and not been able to talk to us (lies) We have responsibilty to pay outstanding balance, giving us 14 days to resolve matter.

As posted above received letter 2 weeks ago saying tried to contact us but couldn't talk to us, want to resolve matter, checked we owned house......

Sent letter back to them stating no further correspondence will take place until they acknowledge points in previous letters, referring them to previous letters.....

Then today received another letter from them dated the same date they received my reply stating exactly what they said in their 1st letter that they tried to contact us but couldn't talk to us, range of options available to help, whilst fulll balance due for immediate payment we can find a repayment plan that suits your financial situation (I doubt it)

Not sure if we should reply again or ignore, this is a huge balance , however Niddy says UE, it is a joint Application form for 2 credit cards and Niddy has already got 1st Credit to return the other Credit Card back BOS.

[Miss Muddled]

Re: Miss Muddle's UE Diary

OMG!!! Niddy you have such a way with words.....letter, obviously from my letters way back they think they are still dealing with someone who doesn't basically know what they are doing....but what clearly isn't obvious to them they don't realise I now have the creme da la creme helping me. Greatly appreciated, know how busy you are and yet you still take time out to help us....truely dedicated to helping vunerable people.

Soooo grateful for all this help Niddy, it seems to us that they are all starting to gang up on us again, maybe its because a lot of them are ready to be SB next year .

Letter shall be sent first thing Monday morning, want to delay as much as poss to add to SB clock.

Would love to be a fly on the wall when they get this letter....hope all well at your end to you and your family.