Miss Muddle's UE Diary

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Recieved a letter from dlc yesterday regarding letter above that Niddy kindly helped us comply, can't copy and paste or scan (not that techi minded so bear with me while I type out here for your perusal and comments on how to deal with them.

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.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Send this back to DLC, nothing to MDB as they are a figment of our imagination

Dear Sirs,

I write with reference to your letter dated xx/xx/2013 and note the content within.

Clearly you are trying to deceive me which as you know, is a serious breach of OFT Guidelines and can have an extremely adverse effect when it comes to retaining your consumer credit licence.

I made it clear in my previous letter to Mercantile Data Bureau (MDB) that it was my understanding that they were trying to trade without a valid consumer credit licence and via a dormant company. Company number 01829604 is dormant, ie non trading.

I sent the letter recorded delivery and for some reason it was sent from Royal Mail to yourselves, why, god only knows but please explain this to me - if I write to them again, as you suggest in your reply then what will that achieve when we both know you must be trading as this firm for all mail to be sent to you - Royal Mail do not make such mistakes as to direct mail to a different company UNLESS they were instructed to do so which begs the question, why are you trying to deceive me by having me chase a non existent, non licensed business?

As such you may consider this letter a formal complaint against DLC for your involvement here and your pure deceitfulness. If what you say is true and MDB is indeed a registered business with the correct licencing to carry out credit servicing/collection then please be so kind as to write back with their full trading name and address along with their company number and their consumer credit licence number.

Failure to comply with this rather simple request will result in more formal action being taken against you, what you are doing is illegal quite frankly and will not be tolerated any more.

Finally, please take this as formal notice that should you send anyone to my home address, I will seek immediate police assistance as I am extremely unwell and spend most my time in hospital of late. Sending someone to my house may well push me over the edge, in which case you could have a murder charge on your hands so I strongly suggest that you continue to communicate in writing and stop with the nonsense about sending someone to my front door.

A copy of this letter and a separate complaint has already been lodged with the OFT and as I say above, continual harassment will be met with more swift direct action being taken against you.

Please also be so kind as to notify your colleagues over the desk that write using this unlawful firms details (MDB) to cease and desist immediately. They wrote stating they never got my letter, funny that when you did and you replied to it yet I never actually wrote to you.

Confused? Imagine how the hell I feel then!!!

I look forward to an immediate apology and confirmation nobody will visit my home address as well as confirmation that this account has been written off or at the very least, returned to the original creditor.



Sign Digitally

Well didn't dlc long to reply.....to above letter.

Recieved a letter from dlc yesterday regarding letter above that Niddy kindly helped us comply, can't copy and paste or scan (not that techi minded so bear with me while I type out here for your perusal and comments on how to deal with them.

This is for an argos Account which was deemed UE by Niddy ages ago (can't remember why think because application form only and no T & C's.



Dear Mrs ****

We refer to your complaint letter dated **** (just in case they are watching).

Complaint details (summary)
Our understanding of your complaint is you believe we are trying to decieve you and that Mercantile Data Bureau (MDB) is trying to trade without a valid Customer Credit Licence via a dormant company. If our understanding of your complaint is correct please inform us accordingly.

Our findings
Having investigated the claims raised, we can confirm and advise the following:-

• Mercantile Data Bureau (MDB) limited are part of the Faccenda Group along with Hillesden Securities Ltd T/A direct legal & collections. MDB are a separate company to ourselves and hold their own consumer credit licence. Should you wish to view the details of this licence you can do so by going to the Office of Fair Trading website.
• The PO Box address is used for corresponence purposes only and all our letters do detail the regisitered office address on the bottom.
• You refer to Company Number 01829604 being dormant. On Companies House the account shows as active.
• We have instructed Mercantile Data Bureau Limited to act in relation to collection activity on the account.
• As MDB are an agent acting for Hillesden Securities Ltd t/a direct legal & collections (dlc) and correspondence received not refferong to collection activity will be responded to by dlc.
• We apologise if our correspondence has caused any confusion, but be assured that it is not our intention to deceive any of our customers.
• Please be advised that should we instruct an agent to call at your property we awill act within the Office of Fair Trading guidelines
• The account will not be written off and th ebalance remains payable.

Summary
Further to the above, your complaint has not been upheld and we disagree with your claims that either company are trying to decive you.

We trust this resolves the matter. Please confirm this by return either in writing or by telephoning our offices. We await your response.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Apex are useless tossers, I wouldn't worry about it.

Just write back referring them to your previous letter and that you will have no further correspondence with them until they acknowledge the points made in your previous letter. Ensure you state that your letter does not admit acknoweldgement of the debt or that such debt exists.

Chances are they will not have kept your previous letter as they are incompetent fools therefore it'll take them a few weeks to realize this before their next letter with a bit of luck you can see this out to SB

Cheers SnV i shall just refer them to the letters I sent last year, quoting that these letters or this one does not acknowledge any debt. Make it short as I don't want to incriminate all the good work Niddy has done on this lot.

Think I shall hang fire for a few days to help the SB time out.

Yep, fingers crossed for you MissM

Yip... we sure do have everything crossed missy....think its June 2014 for most of our debts if only we can hang fire till then. Hoping I haven't jeopodised anything in letters before getting guided here to AAD.

Next task is to go through all our files....

[SA Gold]

Re: Miss Muddle's UE Diary

with a bit of luck you can see this out to SB

Yep, fingers crossed for you MissM

[SaltnVinegar]

Re: Miss Muddle's UE Diary

Hadn't heard from Apex for over a year since Niddy advise us to send Missing Prescribed Terms letter and advising them of Mr M's state of Health and Mind. They never ever acknowledge the letter regarding Mr M's Health all they did was send another CCA and statements.

Today we recied a letter stating:

We are writing to you today concerning your outstanding account.

We have written to you on numerous occassions and unfortunately you have not replied. Our role now is to work with you and ensure that this account is repaid. (Lies they never replied to our letters)

We have made enquires from public databases and our sources show that you are still resident at this address.

Our air is to help you find a suitable payment plan. The amount of £***** is due for immediate payment and you should telephone this offfice within the next seven days to discuss this in detail.

We have a range of options open to you and you will find that our staff are fully trained and helpful.(Yeah in bullying tactics)

It is important that you contact us in the next seven days. We look forward to recieving you call.

Yours sincerely

Not sure how to respond as they have already been advised unenforcable, Miss Prescribed Terms Letter and advised of Mr M's health, don't want to write anything that could jeopodise us, as this is Stat Barred in approx 10 months.

Apex are useless tossers, I wouldn't worry about it.

Just write back referring them to your previous letter and that you will have no further correspondence with them until they acknowledge the points made in your previous letter. Ensure you state that your letter does not admit acknoweldgement of the debt or that such debt exists.

Chances are they will not have kept your previous letter as they are incompetent fools therefore it'll take them a few weeks to realize this before their next letter with a bit of luck you can see this out to SB

[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)

Hadn't heard from Apex for over a year since Niddy advise us to send Missing Prescribed Terms letter and advising them of Mr M's state of Health and Mind. They never ever acknowledge the letter regarding Mr M's Health all they did was send another CCA and statements.

Today we recied a letter stating:

We are writing to you today concerning your outstanding account.

We have written to you on numerous occassions and unfortunately you have not replied. Our role now is to work with you and ensure that this account is repaid. (Lies they never replied to our letters)

We have made enquires from public databases and our sources show that you are still resident at this address.

Our air is to help you find a suitable payment plan. The amount of £***** is due for immediate payment and you should telephone this offfice within the next seven days to discuss this in detail.

We have a range of options open to you and you will find that our staff are fully trained and helpful.(Yeah in bullying tactics)

It is important that you contact us in the next seven days. We look forward to recieving you call.

Yours sincerely

Not sure how to respond as they have already been advised unenforcable, Miss Prescribed Terms Letter and advised of Mr M's health, don't want to write anything that could jeopodise us, as this is Stat Barred in approx 10 months.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Yeah MrsD they sure can take as long as they like....tick tock tick tock
the SB clock is music to our ears.

Be very interesting to see what excuse they do come up with, thats if they ever do, as you say, you still awaiting replies from complaints a year down the line.

A year down the line would do us just dandy....they obviously think everyone is dumb enough to roll over and submit, they didn't bank on us having Niddy and AAD folks behind us.

[MrsD]

Re: Miss Muddle's UE Diary

they can take as long as the like Miss Muddled and while they are searching around for some good excuses for their ridiculous behaviour, the clock is ticking towards SB.............................We've got complaints outstanding for well over a year..................still awaiting a reply

[Miss Muddled]

Re: Miss Muddle's UE Diary

Send this back to DLC, nothing to MDB as they are a figment of our imagination

Dear Sirs,

I write with reference to your letter dated xx/xx/2013 and note the content within.

Clearly you are trying to deceive me which as you know, is a serious breach of OFT Guidelines and can have an extremely adverse effect when it comes to retaining your consumer credit licence.

I made it clear in my previous letter to Mercantile Data Bureau (MDB) that it was my understanding that they were trying to trade without a valid consumer credit licence and via a dormant company. Company number 01829604 is dormant, ie non trading.

I sent the letter recorded delivery and for some reason it was sent from Royal Mail to yourselves, why, god only knows but please explain this to me - if I write to them again, as you suggest in your reply then what will that achieve when we both know you must be trading as this firm for all mail to be sent to you - Royal Mail do not make such mistakes as to direct mail to a different company UNLESS they were instructed to do so which begs the question, why are you trying to deceive me by having me chase a non existent, non licensed business?

As such you may consider this letter a formal complaint against DLC for your involvement here and your pure deceitfulness. If what you say is true and MDB is indeed a registered business with the correct licencing to carry out credit servicing/collection then please be so kind as to write back with their full trading name and address along with their company number and their consumer credit licence number.

Failure to comply with this rather simple request will result in more formal action being taken against you, what you are doing is illegal quite frankly and will not be tolerated any more.

Finally, please take this as formal notice that should you send anyone to my home address, I will seek immediate police assistance as I am extremely unwell and spend most my time in hospital of late. Sending someone to my house may well push me over the edge, in which case you could have a murder charge on your hands so I strongly suggest that you continue to communicate in writing and stop with the nonsense about sending someone to my front door.

A copy of this letter and a separate complaint has already been lodged with the OFT and as I say above, continual harassment will be met with more swift direct action being taken against you.

Please also be so kind as to notify your colleagues over the desk that write using this unlawful firms details (MDB) to cease and desist immediately. They wrote stating they never got my letter, funny that when you did and you replied to it yet I never actually wrote to you.

Confused? Imagine how the hell I feel then!!!

I look forward to an immediate apology and confirmation nobody will visit my home address as well as confirmation that this account has been written off or at the very least, returned to the original creditor.



Sign Digitally

Hi Folks

Wee update...re: response to Niddy's letter above.

Reply recieved from dlc today:

Dear *******

I acknowledge receipt of your complaint and will respond within 5 days once i have the opportunity to fully investigate the pints you have raised.

Please find enclosed a copy of our Complaints procedure for your reference.

Countdown started....is 5 working days from the day they recieved above letter or 5 working days from the date of thier reply.

This should make interesting reading...don't you think folks.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Maybe I didn't explain clearly enough

Yes Pixie ....you certainly did explain it clearly enough, just my brain is like my name sake totally muddled, and unfotunately have come down with some sort of Chest Ear & Throat Infection past three days, making me feel really poorly, which is making me worse than I normally am. (Not that I'm making excuses for my not being comp savy, however learning something new everyday)

[Spent2much]

Re: Miss Muddle's UE Diary

OMG!!! I LOVE THIS...

me too that's brilliant i would love to be a fly on the wall when they open that :

[Miss Muddled]

Re: Miss Muddle's UE Diary

We love it too jillyiant, Niddy has such a way with words...don't you think.

Well according to Royal Mail site today DLC recieved Niddy's amazing letter this morning, waiting their reply, should be interesting.

Will keep you all posted.

[joshing]

Re: Miss Muddle's UE Diary

Send this back to DLC, nothing to MDB as they are a figment of our imagination

Dear Sirs,

I write with reference to your letter dated xx/xx/2013 and note the content within.

Clearly you are trying to deceive me which as you know, is a serious breach of OFT Guidelines and can have an extremely adverse effect when it comes to retaining your consumer credit licence.

I made it clear in my previous letter to Mercantile Data Bureau (MDB) that it was my understanding that they were trying to trade without a valid consumer credit licence and via a dormant company. Company number 01829604 is dormant, ie non trading.

I sent the letter recorded delivery and for some reason it was sent from Royal Mail to yourselves, why, god only knows but please explain this to me - if I write to them again, as you suggest in your reply then what will that achieve when we both know you must be trading as this firm for all mail to be sent to you - Royal Mail do not make such mistakes as to direct mail to a different company UNLESS they were instructed to do so which begs the question, why are you trying to deceive me by having me chase a non existent, non licensed business?

As such you may consider this letter a formal complaint against DLC for your involvement here and your pure deceitfulness. If what you say is true and MDB is indeed a registered business with the correct licencing to carry out credit servicing/collection then please be so kind as to write back with their full trading name and address along with their company number and their consumer credit licence number.

Failure to comply with this rather simple request will result in more formal action being taken against you, what you are doing is illegal quite frankly and will not be tolerated any more.

Finally, please take this as formal notice that should you send anyone to my home address, I will seek immediate police assistance as I am extremely unwell and spend most my time in hospital of late. Sending someone to my house may well push me over the edge, in which case you could have a murder charge on your hands so I strongly suggest that you continue to communicate in writing and stop with the nonsense about sending someone to my front door.

A copy of this letter and a separate complaint has already been lodged with the OFT and as I say above, continual harassment will be met with more swift direct action being taken against you.

Please also be so kind as to notify your colleagues over the desk that write using this unlawful firms details (MDB) to cease and desist immediately. They wrote stating they never got my letter, funny that when you did and you replied to it yet I never actually wrote to you.

Confused? Imagine how the hell I feel then!!!

I look forward to an immediate apology and confirmation nobody will visit my home address as well as confirmation that this account has been written off or at the very least, returned to the original creditor.



Sign Digitally

OMG!!! I LOVE THIS...

[Pixie]

Re: Miss Muddle's UE Diary

Cheers Niddy..just didn't read Pixie's instructions clear enough, learning everyday.

Maybe I didn't explain clearly enough

[Miss Muddled]

Re: Miss Muddle's UE Diary

Add the colon at start and end (no spaces) so it looks like

:TEXT:

I edited your post above - go in to edit it and you'll see how it looks

Cheers Niddy..just didn't read Pixie's instructions clear enough, learning everyday.