Miss Muddle's UE Diary

[Loopyloo]

Re: Miss Muddle's UE Diary

Sending you a

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Folks..

Wee update..Please bear with me as finding this hard to write..Not been on here as much as usual (just reading posts)not been in a good place lately, suffering from Depression, Anxiety, Panic Attacks and poor concentration, came on all of a sudden at Xmas but didnt really understand what was happening to me (Wasn't long out of hospital after surgery and thought it had something to do with that). Finding it very hard to cope with at the moment.

Hubby (mr M) not in good health at moment (lots of things going on) and our eldest Daughter who has been getting treated for headaches with Ibruprofen and Paracemtamel collapsed again and taking into hospital she needed fluid drained off her brain, too much pressure waiting for Neurologist report.

As for DLC they have sent us two letters over the Xmas period offering us discounts but to be hones I just ignored them (hope havent ruined all Niddys hard work) everything just seems so muddled up in my brain even more than ever at this present time. Been put on medication but not sure how long it takes to help.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Bloody DLC are a pest!! Don't worry, if they do send a doorstep collector just play it cool and tell him your doorstep is not for sale and to leave prior to you reporting him to the Police for harassment, then walk away/ignore anything else (ie shut your door and walk away)

regards Link, likewise don't worry too much about them, this is SB all the way now, and a year for good luck I&E so just keep ignoring them until they make threats in which case THEN send in the SB (Scotland) template.

You're doing fine here - take some time out now to enjoy for yourself..... I hope you're feeling better now? Pass my wishes to hubby

Hi Niddy

Hope things good at your end good and everybody healthy...yeah DLC are bloody pests will try and hang them out for a few months, the way I'm feeling just now it wouldn't be worth their lives to come to our door...I'm ready waiting for them, fed up with all their threats . Will defo ignore them just now as got too many other bits and pieces going on.

Will ignore Link also and will send SB letter if they do get heavy handed with their threats.

I'm feeling much better nearly back on par but our Daughter has been very poorly in hospital so trying to help her. Hubby not too bad (touch wood).

Many thanks again Niddy and Good wishes to you and your kin folk...take care

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Bloody DLC are a pest!! Don't worry, if they do send a doorstep collector just play it cool and tell him your doorstep is not for sale and to leave prior to you reporting him to the Police for harassment, then walk away/ignore anything else (ie shut your door and walk away)

regards Link, likewise don't worry too much about them, this is SB all the way now, and a year for good luck I&E so just keep ignoring them until they make threats in which case THEN send in the SB (Scotland) template.

You're doing fine here - take some time out now to enjoy for yourself..... I hope you're feeling better now? Pass my wishes to hubby

[Miss Muddled]

Re: Miss Muddle's UE Diary

I would ignore them.

Thanks Pixie, just needed someone to confirm I was doing right thing by ignoring them.

[Pixie]

Re: Miss Muddle's UE Diary

I would ignore them.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Can you reply to that letter with the following (change the dates etc):

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,


Sign Digitally

Then attach a copy of this with it --> http://forums.all-about-debt.co.uk/s...207#post329207

Good luck!

Sent above letter to MDB was intercepted by dlc...they replied with letter below.

Hi

Received a response to above letter Niddy kindly helped me write to MDB. Got the response on Saturday (sorry couldn’t get on here any earlier lots of problems at this end to deal with just now, my Hubby not good and few other dilemmas affecting our family just now). I have typed out their response below, I don’t know how to scan (sorry)…..

Niddy said this was UE last year as they only sent me application form, however a few weeks ago they sent me same application form but this time with T & C's at that particular time there was mega things going on with AAD so tried not to bother Niddy to much, maybe try and resend copies for his professional advice...


This company now starting to p*** me off now, I have too many other personal problems going on just now, so god help the field agent that does turn up at our door.

Dear xxxxxx

We refer to your complaint letter dated xxxx addressed to Mercantile Data Bureau (MDB). This has been passed on to Hillesden Securities Ltd T/A direct legal & collections to respond.

Complaint details (summary)
Our understanding of your complaint is that you wish for MDB to stop harassing you. You state that you are in communication in regards to the outstanding balance and there is no need for a visit to your property. You state that MDB are not licensed and a report has been sent to the Office of Fair Trading.

If our understanding of your complaint is incorrect, please inform us accordingly.

Our findings

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

· We have instructed Mercantile Data Bureau Ltd to act in regard to the above account.
· Mercantile Data Bureau (MDB) Ltd is part of the Faccenda Group along with Hillesden Securities Ltd T/A direct legal & collections. MDV 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.
· MDB are a legally trading company and the appropriate returns will be submitted to Companies House in due course in line with statutory requirements. Due to the above we disagree with your claims that MDB are not licensed.
· The last communication from you was July 2013 (THIS IS NOT TRUE) therefore we disagree with your comments that you are in communications with our company of MDB.
· Due to the above point, we deny that any harassment has taken place within the meaning of section 1 of the Protection from Harassment Act 1997 or under section 40 of the Administration of Justice Act 1970. It is entirely reasonable for us, as the creditor, to communicate directly with the customer in relation to the repayment of an agreement entered into, especially where the customer is not legally represented we do communicate with the solicitors directly.
· Should it be our intention to instruct our field agents, we can assure you that they will act in accordance with the guidelines issued by the Office of Fair Trading.
· The balance of xxxx is correct and due. We would request you contact MDB to discuss the repayment options to you.

Summary

Further to the above, your complaint has not been upheld and your account will remain with MDB for collections activity to continue.

We trust this now resolves the matter. Please confirm this by return wither in writing or by telephoning our offices by 14 October 2013.

Niddy advise us to ignore this letter...

Now received another letter from Dlc stating:-

Further to our previous letter dated 7 october 2013 regarding the above account, we note that we have not recieved confimation that your complaint is resolved.

We are now required to issue our final response as we have reached the end of the 8 wee timescale permitted to resolve complaints. Please accept this letter and our letter dated October 2013 (letter above), a copy is enclosed, as our final response in this matter.

If you are dissatisfied with the outcome of your inquiry you may refer to the FOS. You must do this within 6 months of the date of this letter. A leaflet explaining how you can raise this matter with the FOS is enclosed for your information.

You may also refer this to the Credit Services Association as the addres below.

Yours Sin/
Niddy deemed this account a while ago.
Is my guess right do I once again ignore them... this only has till April 2014 before SB.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Instant Silver are part of Link.

Hope you're feeling a lot better x

Cheers Pixie...... after doing much hunting round the house this morning found lots of paperwork to do with Link and a few wee bits and pieces regarding Instant Silver who has obviously contacted us before for these two accounts....been on the go for sometime long before we were knidly guided and helped by AAD.

My Family says I was like a caged lion in hospital, was realy worried how Hubby was coping although our Daughters are a great help, so boring being in hospital epecially when you can't get up and move around.

On the mend now each day getting better and better can't be ill for too long, Hubby needs me, so up and onwards as they say....

[Pixie]

Re: Miss Muddle's UE Diary

Instant Silver are part of Link.

Hope you're feeling a lot better x

[Miss Muddled]

Re: Miss Muddle's UE Diary

Cheers MrsD will await hearing from Instant Silver then fire off Scottland 5 years letter.

[MrsD]

Re: Miss Muddle's UE Diary

OK if you are sure

I'd wait until the first letter then send off

http://www.all-about-debt.co.uk/old/...otland-5-years

keep well and don't worry!

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hope you are recoverig now!

Many thanks TTC...yeah on the way to recovery very soon hopefully, Daughters and Hubby says I need lessons in doing what I am told or more to the point Practice what I Preach!!!

morning Miss Muddle

hope you are feeling a bit better now



are you absolutely positive about the date of last payment?

Many Thanks MrsD hopefully recovery on track another week or so shoud do the trick, yeah absolutely positive it was 2007, in fact since being on here early this morning (was taking withdrawal symptoms from AAD in hospital) found paperwork and it seems May 2007 was last payment and to my knowledge have never acknowledge this debt with them....over past 6 months they have sent letters offering huge discount which we have ignored.

But.. now they sent letter stating NOTIFICATION OF ACCOUNT TRANSFER TO AGENT stating they are instructing Instant Silver to take over managing these accounts....also checked through the paperwork I found this morning seems I have had few letters in the past from Instant Silver but manage to see them off.

[MrsD]

Re: Miss Muddle's UE Diary

morning Miss Muddle

hope you are feeling a bit better now

are you absolutely positive about the date of last payment?

[The Tech Clerk]

Re: Miss Muddle's UE Diary

Hope you are recoverig now!

[Miss Muddled]

Re: Miss Muddle's UE Diary

Good Morning folks

Wee update....Fortunately not heard anything from dlc or MDB since 12/10/13 however new postman and mail seems to be going missing.

Unfortunately I have been in hospital past 10 days (Emergency admittance) and when I was away our Daughters were looking after things here and I received 2 letters from Link Financial Outsourcing for 2 Accounts they have had for several years but have more or less left us alone apart from sending statements and few letters.

Link state they are passing account to Instant Silver to chase these accounts but the last payment to these accounts I am sure was roughly 2007 (Scotland) so can I assume these are now SB. Would I write and advise them of this or just leave them to find out themselves. However if this meant attending Court I would rather advise them myself (Not in fit state just now). We received these letters just as I got admitted to hospital (21st Oct) but my Daughters thought it better that I didn't know about them due to my health, since then not heard anything from them (although as said above new postman who does not have a clue, we keep on getting neighbour's post so obviouly somebody is getting ours).

Any pointers appreciated...now to go and catch up with all whats been going on here at ADD since I have been away.