Miss Muddle's UE Diary

[Miss Muddled]

Re: Miss Muddle's UE Diary

Grrrrr what imbeciles they are. To be honest just ignore them for now.

Theres not long till SB and we'll get revenge then

Cheers Niddy

Will ignore them for now, got too much on at this end to cope with....will see what they send next.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Grrrrr what imbeciles they are. To be honest just ignore them for now.

Theres not long till SB and we'll get revenge then

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Miss M, sorry that everything is a bit rough at home. They win through harassment and wearing people down. Send Niddy the latest paperwork. It is farcical that you have 48 hours to digest and reply to them. Make a note of the date it was received.

Hi cym

Thanks for the reply, feel better already this forum seems to have that affect on people, obviously knowing there is kind hearted people out there prepared to take time out to listen and help peeps like us...this site is totally amazing.

Yeah...you right they are trying their hardest to wear me down, their letter has post date franked on envelope 7/10/13 sent by second class postage we received 12/10/13 they want a reply by 14/10/13 (have noted date received on envelope and letter...will try (so much going on at this end to deal with just now) and get application form and T & C's (11 pages) to Niddy today (hate bothering him). Only about 8 months to go before rhis is SB so can only assume they are starting to panic..

[cymruambyth]

Re: Miss Muddle's UE Diary

Hi Miss M, sorry that everything is a bit rough at home. They win through harassment and wearing people down. Send Niddy the latest paperwork. It is farcical that you have 48 hours to digest and reply to them. Make a note of the date it was received.

[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!

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.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Lol just keep playing the game. This is normal.

Don't stress about them

They obviously think I'm a silly wee wifie fighting this on my own, they really don't have a clue who they are playing against...They don't know that I have the creme dala creme of you Niddy and AAD team on my side. I so glad you all on my side.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Lol just keep playing the game. This is normal.

Don't stress about them

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 5

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 - 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/s...207#post329207
October - Received reply for above letter 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.

Good luck!

Sent above letter to MDB in response to thier letter that we received. Once again this has been intercepted by dcl who have once again replied to say they acknowledge my complaint and will respond within 5 days. They state on thier letter Hillesden Securities is their client. Very confusing the game they are playing...You write to one company receive reply from another and they state someoe else is their client.

We write to MDB telling them they are not licensed......letters are getting intercepted by dlc....who tell us Hillesden Secuirties is thier client, what the hell are they playing at.

[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!

Once again many thanks Niddy (how will we ever repay your kindness) will send this letter with copy of first letter (that DLC intercepted) to them in about 10 days time, this will help toward SB time frame.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Received today another letter from MDB saying as advised in thier precious correspondence MDB are now manageming your account on behalf of Hillesden Securities Ltd (wish they would make up thier minds last letter didn't mention Hleesden it was Direct legal & Collections now they are confusing me...anyway they are now offering me 50% discount and remaining balance written off and CRA updated.....as the last letter Niddy kindly wrote for us advised DLC that MDB was not licensed, should I just ignore this letter or send some sort of reply. If I dont reply they are threatening me with doorstep specialists..(the way I feel just now I would be sent to prison if they came to my door, not coping very well, hubby not good and having a knock on effect with me).

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!

[Never-In-Doubt]

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.

Hiya

Any update here with Apex/HBOS?

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Miss M

Don't let them get to you. Take heart from one thing - they wouldn't be offering you a 50% settlement if they didn't know they were on a no-hoper and weren't desperate.

You hold all the cards.

In the tiniest event that someone turns up at your door just tell them to go find some fairies and slam the door in their face. You don't have to talk to anyone who turns up representing this shabby company.

Best
SnV

Kinda thought that SnV, out of all the debts we have had, this is the first one to offer a 50% discount, take they are really desperate. Don't know if I could cope with someone turning up at our door just now, think it would just push me over the edge with one thing and another. I certainly wont be talking to them. This site and members are just amazing not only do you all help with the financial side, the emotional support and help we get from Niddy and all Mods and members is just truly amazing.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hold fire. I'll sort you a reply later today.

Sorry to hear Mr M isn't doing so good. Hope you're ok...

Many thanks Niddy, They are giving me 14 days to make up my mind whether I am going to pay them 50% (in their dreams eh..) so no hurry as I shall not reply until the 14 days are up. Yeah Mr M not good just now, having quite a knock on effect with myself, but tomorrows another day, hopefully he'll pick up....don't know what I would do without your kind help and support, you are one truely amazing person, to even have thought about giving all your time energy and finance to set up such and amazing site to help vunerable people, bet there is a lot of us on here that could never repay you for all your help suppor and kindness.

[SaltnVinegar]

Re: Miss Muddle's UE Diary

Received today another letter from MDB saying as advised in thier precious correspondence MDB are now manageming your account on behalf of Hillesden Securities Ltd (wish they would make up thier minds last letter didn't mention Hleesden it was Direct legal & Collections now they are confusing me...anyway they are now offering me 50% discount and remaining balance written off and CRA updated.....as the last letter Niddy kindly wrote for us advised DLC that MDB was not licensed, should I just ignore this letter or send some sort of reply. If I dont reply they are threatening me with doorstep specialists..(the way I feel just now I would be sent to prison if they came to my door, not coping very well, hubby not good and having a knock on effect with me).

Hi Miss M

Don't let them get to you. Take heart from one thing - they wouldn't be offering you a 50% settlement if they didn't know they were on a no-hoper and weren't desperate.

You hold all the cards.

In the tiniest event that someone turns up at your door just tell them to go find some fairies and slam the door in their face. You don't have to talk to anyone who turns up representing this shabby company.

Best
SnV

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Hold fire. I'll sort you a reply later today.

Sorry to hear Mr M isn't doing so good. Hope you're ok...