Miss Muddle's UE Diary

[Undercover Elsa]

Re: Miss Muddle's UE Diary

I think I'll come and move in with you Miss Muddled...mine would be SB by now!

[The Tech Clerk]

Re: Miss Muddle's UE Diary

Cheers PlanB and SandV. Hopefully we can see this out. We are so lucky in Scotland as we only need to wait 5 years for SB. Poor souls down south need to wait 6 years so unfair.

In this so called civilised country = A law for one then a law for another = enough said! = DOUBLE STANDARDS.

[Miss Muddled]

Re: Miss Muddle's UE Diary

So nearly there

Cheers PlanB and SandV. Hopefully we can see this out. We are so lucky in Scotland as we only need to wait 5 years for SB. Poor souls down south need to wait 6 years so unfair.

[SaltnVinegar]

Re: Miss Muddle's UE Diary

this account has only got till end of May 2014 (approx 10 weeks) to become SB so think dlc are panicing.

[PlanB]

Re: Miss Muddle's UE Diary

this account has only got till end of May 2014 (approx 10 weeks) to become SB.

So nearly there

[Miss Muddled]

Re: Miss Muddle's UE Diary

Yea just ignore for now

Considered ignored....cheers Niddy

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Yea just ignore for now

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 7

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.
September - Received letter from MDB stating basically they want paid.....
September - Sent Niddy complied yet, aother great letter for us telling MDB once again they are not licensed and not geting paid.
Dear Sirs,

Ref: xxxxxxxx

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

I must at this point refer you to my last letter, sent to your parent company DLC (copy attached), and request you take note of the content and stop harassing me. I have told you several times before that my husband is extremely ill. You have NO right to visit when I am already communicating with you. If you do visit then you will ultimately be responsible for anything that may occur - you have no need to visit me. If you write, I will reply to you like I have with ALL letters to date. The OFT agree with my stance, and thus my formal response to your letter is quite simply, get lost!

You are not licenced to conduct this business and a report has now been sent to the OFT regards your blatant abuse of process and licensable activity.

You may now treat this as a formal complaint. Do not visit me at my home address, never. If you do then there will be serious consequences for the person visiting as well as swift legal action against you.

Finally, may I refer you to the main context of Arkell v Pressdram. Please do familiarise yourself with it, as that is the response you will get if you write to me again.

Yours faithfully,

Then attach a copy of this with it --> http://forums.all-about-debt.co.uk/showthread.php?5227-Miss-Muddle-s-UE-Diary/page10&p=329207#post329207
October - Received reply from above tletter we sent to MDB, the reply came from dlc stating they shall investigate my complaint and thheir client is Hillesdens Securities. Again this letter has been intercepted by dlc..Getting really confusing now. Letters coming from all angles MDB, dlc but stating its Hillesden Securities that owns it.


2014
March - Never ever received a reply to my complaint in October regarding MDB and DLC
March - Received letter from dlc requesting I complete a direct debit mandate for low monthly payments or pay 75% with balance written off. This has only got till May 2014 to be SB so think they are panicing.

Received letter from dlc requesting I complete Direct Debt for monthly payments (don't think so) this account has only got till end of May 2014 (approx 10 weeks) to become SB so think dlc are panicing. This account is owned by Hillesden Securities but dlc have been chasing for few years now.

Last letter was from MDB sent Sold in Dispute and put complaint in regarding MDB licence.

Any suggestions how to handle this letter - should I ignore or reply.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Things get lost the more they move around. Now you'll see there IS method in our madness

So what you saying Niddy "You don't need to be mad to join AAD but it helps".

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Things get lost the more they move around. Now you'll see there IS method in our madness

[Miss Muddled]

Re: Miss Muddle's UE Diary

that's fine Miss Muddled, lets hope they get lost for a good couple of years looking for it. They've been looking for some of ours for upwards of two years........................while they are all sliding down to SB day!

I suppose the positive is that it delays things and moves towards SB

Yeah Mrs D and cymruambyth..fingers crossed they can't find CCA....just need another 18 months and this will be SB (Scotland).

What I can't really understand is why they had a copy to send in 2009 and now they don't have their own copy to send....Strange!!

[cymruambyth]

Re: Miss Muddle's UE Diary

I suppose the positive is that it delays things and moves towards SB

[MrsD]

Re: Miss Muddle's UE Diary

that's fine Miss Muddled, lets hope they get lost for a good couple of years looking for it. They've been looking for some of ours for upwards of two years........................while they are all sliding down to SB day!

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 8

STORE CARD

Type of Account..........Store Card
Date Commenced......2001
Approx Balance...........£900
Last Full Payment.......2007
Arrangement................Stoped arrangement in 2010
Status..............................Didn't recieve a Default Notice from GE Money.
Account Owner............Assigned to Aktiv Kapital aprox October 2007.

2007
June - Stopped payments due to financial difficulty.
July - Dec Recieved letters offering 50% discount - Ignored them
Oct 2--7 - July 2010 Payment arrangement

2009
May - Received copy of CCA and was told by another forum (CAG) it was enforable so got scared and carried on with payment arrangement.

2010 - 2013
June - Stopped Payment Arrangement
July - Dec Received more discount letters

2014
Feb - Received threantening letters that they could take action copy in above post.
Feb - Sent CCA Request, Telephone Harrassment, & Doorstep Visit Letters
March - Received letter from AK they trying to gety copy of CCA from original creditir (Have already had a copy from them in 2009) so no doubt they should have a copy)

UPDATE:

Got reply from AK they need t request copy CCA from original creditor..Don't quite understand whythey need to go back to originak creditor....as they sent me a copy in 2009 - you would think they would have held onto a copy.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Heyyyy Miss Muddled, how you doing honey?
Are you feeling any better? xx

Hiya Elsa

So good to hear from you...how is your lovely Grand Children doing (bet they're not babies anymore - doesn't time fly). Hope you and all your family are well.

I'm phsyically feeling much better but mentally not too good, too many issues health and personal wise going on in our life just now and I'm finding it really hard to cope with. I defo think as you older the stress becomes harder to cope with (lets face it not getting any younger).

Can you believe its 2 years next week since you guided me here from CAG, we shall never be able to thank you enough for you and Niddy's help and support Elsa. Now 2 years on after Niddy saw HBOS off with tails between there legs. Hopefully by August this year all HBOS accounts will be SB. That will leave us a few smaller DCA issues to deal with.

On a personal note Mr M not good had few blood tests have come back telling us somethings not good but as yet don't know what,

Oldest Daughter still not good ....they drained fluid off her brain to release pressure in October last year then they were going to decided if she needed a shunt put in to help release fluid. However they are tryingto treat her with medication first but doesn't seem to be working so waiting to hear from consultant. Our wee Grandson can't understand why his mum in bed all the time., she just can't function when headaches come on.

Youngest Daughter got married 18 Months ago (been together 10 years) bought house 4 months ago and split up 2 weeks ago (we are devastated for them as they were such a good couple together) whole family cvan't beleive it.

Our dog has just been diagnoised with Cardiomyopathy, Liver Disease and Thyroid trouble, not good news there only took her to vet to get a wee fatty lump examined and was told needed to see a specialists for heart murrmer then all this transpired.


Just waiting for next hurdle to appear, hopefully not as big as last ones...

Take Care Elsa....Much love to you and your family.