Miss Muddle's UE Diary

[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. (Niddy says ignore)

Hi Folks

Well it seems as though another one is ganging up against us (all coming at once).

Today recieved letter from DLC statingthey have instructed Mercantile Data Burea(MDB) an associated company of dlc to manage this account and want me to contact them before they undertake any action with my account.

In the past they have had MDB write to us but Niddy & co on here found that thier licence was expired. On checking Companies House tonight it appears that they are now back up and running.

Niddy did deem this CCA as Unenforceable way back can't quite remeber why, also had a default notice that was not good. Also have PPI on this account.

According to our records this account should be SB this month BUT In September 2009 when we were on CAG they encouraged me to claim charges but thyey never paid out and FOS said wasn't under thier jurisdiction at that time.

Would applying for these charges in September 2009 stop this being SB this month.


Can someone please help....What do I do now...Send SB letter, Ignore or send another reply.

[MrsD]

Re: Miss Muddle's UE Diary

morning

how are you both?

I'd ignore this until they contact you, many a slip between cup and lip............................................

[Miss Muddled]

Re: Miss Muddle's UE Diary

Good Morning Mrs D

Many thanks for your advice....greatly appreciated. Wasn't sure how to handle this lot especialy with the question mark over SB being May 20014 or September2014. So will ignore again for now.

As you say "Many a Slip between A Cup & A Lip" we can't afford to make any slips whatsoever.

Mr M not in a good way too many things going wrong in his body making his life hell.

[MrsD]

Re: Miss Muddle's UE Diary

bit of sunshine this morning, hope it helps lift his mood, thinking of you

we'll do our best to get you to SB, and that will be a load off your mind.

take care xxx

[Miss Muddled]

Re: Miss Muddle's UE Diary

Yeah..we too got bit of sunshine unfortunately doesn't make a difference to Mr M mood, he is far too low at moment.

We know if anywhere can help us. its here. You are all and Inspiration to us which gives us the courage to keep going.

You have a great day.

[Pixie]

Re: Miss Muddle's UE Diary

Hugs to you MissM

Like MrsD says, we'll do our best to get it to SB... and September isn't all that far away.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Pixie

Many thanks for the lovely hugs thats what we mean about this site...everyone is so supportive and considerate.

I only wish I had the time to be on here more often...I do envy you all that has the knowledge to help us all on here. Hopefully one day I can find the time and knowledge to help others too.

You have a great day....(oops my smiley icons are not working, could it have something to do with change over...)

[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.

As you can see from above I have been getting bit hassle from Rob Way regarding an old account.

Have sent SB and Refusal to Accept SB letters to them, they obviously are not accepting that this account is SB. They have now sent us a letter saying Notice of Home Visit as they have not been able to contact us via any other way, Not true they have not tried phoning us as true call would have picked it up and we have replied to al letters.

Do you think I should send AAD's Dorstep visit letter to them just in case they do turn up.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

As you can see from above I have been getting bit hassle from Rob Way regarding an old account.

Have sent SB and Refusal to Accept SB letters to them, they obviously are not accepting that this account is SB. They have now sent us a letter saying Notice of Home Visit as they have not been able to contact us via any other way, Not true they have not tried phoning us as true call would have picked it up and we have replied to al letters.

Do you think I should send AAD's Dorstep visit letter to them just in case they do turn up.

Hold fire.......

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Try this:

Dear Sirs

Ref: xxxxxxxx

I write reference to your letter dated XX May 2014 whereby you incorrectly, and quite mischievously try to claim that the above alleged account is not Statute Barred because a formal request was made under s.78 to determine liability back in 2009.

I must refer you to the Financial Conduct Authority CONC Guidelines and insist you read and familiarise yourself with them. Then familiarise yourself with the Limitation Act 1980 - there has been no contact for the prescribed limitation period as a CCA Request made under s.78 DOES NOT affect the limitation period, and thus this alleged account is indeed Statute Barred in line with the Limitations Act. Further refusal to accept this stance will result in an immediate and formal complaint being raised against you to the FCA, the ICO and the FOS.

I am extremely unwell and if anyone attends my property regards this matter I will call the Police and have them arrested and will conduct immediate legal proceedings against your company.

You have been warned and notified of your errors and incorrect assumptions, now I suggest you go and learn the rules before ever writing to me again.

Yours pissed-off,

xxxxxxxx

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Hi Folks

Well it seems as though another one is ganging up against us (all coming at once).

Today recieved letter from DLC statingthey have instructed Mercantile Data Burea(MDB) an associated company of dlc to manage this account and want me to contact them before they undertake any action with my account.

In the past they have had MDB write to us but Niddy & co on here found that thier licence was expired. On checking Companies House tonight it appears that they are now back up and running.

Niddy did deem this CCA as Unenforceable way back can't quite remeber why, also had a default notice that was not good. Also have PPI on this account.

According to our records this account should be SB this month BUT In September 2009 when we were on CAG they encouraged me to claim charges but thyey never paid out and FOS said wasn't under thier jurisdiction at that time.

Would applying for these charges in September 2009 stop this being SB this month.


Can someone please help....What do I do now...Send SB letter, Ignore or send another reply.

No you'll be fine - depends on the wording of the reclaim used but it'll be SB already now anyway - I'd just ignore these as best you can tbh.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hold fire.......

Hi Niddy

Amazing letter , done in record time. Truely appreciated.....don't know how you do it. It takes me about 1 hour to string dozen words together.

Hope you and family had a great holiday, you most certaily deserved it.

Letter fired to Rob Way today..

[Miss Muddled]

Re: Miss Muddle's UE Diary

DUPLICATED POST - SORRY

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Folks

Received a letter from Rob Way today, saying not to pay Doorstep Collector as their office is dealing with this acount.

Obviously Niddy's letter has crossed in the post, will wait and see what reaction I get once they get Niddy's letter.

They have put account on hold for 30 days.....they obviously are still not accepting this account should be SB.

[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..

Hi Folks

Not been on past week Mr W not been good and in hospital....received letter from Rob Way this morning.

As you will see by the update above. Rob Way have sent Link packing all due to Niddy's amazing letter in my post #370.

Rob Way have eventually accepted that this account is SB. All thanks to Niddy and this amazing site, once again....,
(Sorry smilies not working can only put one on each time, then it doesn't let me use another).

Just want to say a HUGE THANK YOU TO NIDDY AGAIN FOR ALL HIS HELP.