Miss Muddle's UE Diary

[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".

[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.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Yea just ignore for now

[Miss Muddled]

Re: Miss Muddle's UE Diary

Yea just ignore for now

Considered ignored....cheers Niddy

[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

[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.

[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.

[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.

[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!

[Miss Muddled]

Re: Miss Muddle's UE Diary

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

You would be welcome anytime Elsa our door will always be open for you....

[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)
March - Oh SHit just recoevd a copy of the CCA from AK (Was hoping they couldn't find one after all this time. will need to send to Niddy for hos expert advice.

Hi folks

AS said in update...Oh Shit AK have sent me copy of CCA, was jopong after all this time they wouldnlt be able to find it.

Niddy can I send you a copy of the CCA that I have recieved for your expert opinion....There is quite a bit of charges to be clained on this account but would not wipe out the balance.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No, 9

LOAN ACCOUNT WITH PAYMENT PROTECTION

Type of account:– Originally Loan from 1 st National transferred to GE Money
Date commenced:- 2003
Approx balance:- £1,000
Last full payment paid:- 2007
Arrangement or not paying: – Never paid since 2007
Assigned to: Link Fiancial 2007 (never paid anything to them)

Totally forgot about this one, for many years only ever received statements from Link Financial every 6 months or so and maybe few leters saying pay up or else.

Never paid since 2007 so would expect it to be SB however on checking a few of the statements they have allocated a £1 payment to this account in 2009 which would have been payment for the CCA that we applied for in 2009 is this allowed to be added to the account to restart SB clock, sure I have read somewhere that this is not allowed but not sure if was on AAD or when I was on CAG (many years ago now).

Now received a letter from Robinson Way today demanding payment, anybody any pointers on what we should do.

They obviously don't think its SB or do they and are just trying to bully us into paying.

Had few demanding letters and statements over the years...more up to date events below:

Mar 2014 - Received letter from Robinson Way demanding payment
April 2014 - Sent Statute Barred Letter
May 2014 - Received letter from Ro Way enclosing a copy of a letter I sent requesting copy of CCA in 2009 saying "As this acknowledged the account within last 6 years, your account is not Statute Barred.
May 2014 - Sent Refusal to Accept Statute Barred letter to Rob Way..
June 2014 - Received letter from Rob Way saying Notice of Home Visit.
June 2014 - Sent Letter Niddy complied telling basically and to the point PISS OFF.(See copy in post # 370)June 2014 - Another amazing result for Niddy and us. Rob Way has written saying due to Niddy's letter and comments they have removed the account from their files and returned it to Link who have been made aware that this is SB..

[MrsD]

Re: Miss Muddle's UE Diary

I'd send off the SB letter http://www.all-about-debt.co.uk/old/...otland-5-years

if they want to argue about that £1 we'll set Niddy on them.....................

[Miss Muddled]

Re: Miss Muddle's UE Diary

I'd send off the SB letter http://www.all-about-debt.co.uk/old/...otland-5-years

if they want to argue about that £1 we'll set Niddy on them.....................

Cheers MrsD..SB letter on its way tomorrow.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Please..can anyone remind me of the email address to send CCA's to Niddy..