Miss Muddle's UE Diary

[Miss Muddled]

Re: Miss Muddle's UE Diary

Can you email me their reply please

Stay calm.

Will get it emailed as soon as poss need to wait for Daughter to come in, as you know me complete dunderheed when it comes to computers.

They have sent me a reply plus copies of their letters they are referring to, do you want me to send copies also, or just their letter of reply.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Scan it all in. Why not? Then I'll sort you a reply.....

[Miss Muddled]

Re: Miss Muddle's UE Diary

Scan it all in. Why not? Then I'll sort you a reply.....

Cheers Niddy, yer a star...got home from hospital tonight Mr M been for tests most of the day...greeted by this letter and the dreaded DWP letter for us to reappply for the new benefit ESA, can't believe this is all happening at once. Tryng not to panic, taking one step at a time....dont want to stress Mr M.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Copies of letters on there way....

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Niddy

Know your really really busy with forum so don't want to bother you, if poss u get a spare mo could you let me know if you received Apex letters that we emailed you few days ago, as said no immediate rush. Just dont trust our comp just now doing strange things and not being comp literate I really don't know where to start to look for faults. sometime emails reaching people sometimes not....I'm still not getting notifications from forum with new posts, but thats not important I just log in and find all new posts.

Greatly appreciate all the work and effort you have put into forum, amazing job. looking fabulous.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Niddy

Know your really really busy with forum so don't want to bother you, if poss u get a spare mo could you let me know if you received Apex letters that we emailed you few days ago, as said no immediate rush. Just dont trust our comp just now doing strange things and not being comp literate I really don't know where to start to look for faults. sometime emails reaching people sometimes not....I'm still not getting notifications from forum with new posts, but thats not important I just log in and find all new posts.

Greatly appreciate all the work and effort you have put into forum, amazing job. looking fabulous.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

I did receive them and replied to the email too.

Ill sort a suitable reply early next week but you need to delay sending anyway so no rush right now, as you say

[Miss Muddled]

Re: Miss Muddle's UE Diary

I did receive them and replied to the email too.

Ill sort a suitable reply early next week but you need to delay sending anyway so no rush right now, as you say

Cheers Niddy,

Didnt get your reply, it seems not getting any emails from forum...but no worries as long as I know you got them, as we said defo no hurry.....want to stretch this out as much as we can. "Yer dain a grand job o this forum as me mither wid say" Will leave you in peace to finish such an immense job.....you deserve a knighthood for all your great work you put into this forum (Or maybe just a huge donation would help better)

[Miss Muddled]

Re: Miss Muddle's UE Diary

Respond as follows (*edit the dates);

Dear Sirs,

Ref: xxxxxxxx

Thanks for your letter of xx July 2013, the content has been noted.

You are still trying to hoodwink me here, let me elaborate, in specific response to your letter;

1. MDB DO NOT have a consumer credit licence, I have asked you on two previous occasions for their CCL Number - you cannot provide it hence you ARE deliberately misleading me;
2. You opened a letter for another company and replied to me from your company, then you try and act clever by saying that the registered address is at the bottom of all letters - do you really think this is acceptable in line with the provisions of holding a consumer credit licence? I would argue you are doing everything you can to deceive and mislead me here;
3. Company Number 01829604 IS dormant/non trading - I suggest you get your facts straight;
4. As you are the legal owner, I will communicate with you but will never respond to, or reply to anything from an unlicensed dormant firm;
5. You then say you don't mean to deceive your customers yet reading your letter, I am still none the wiser - the thing is to date, all from one letter arriving from an unregistered and unlicensed company, I have been told you're part of the Faccenda Group who are part of Hillesdon Securities who own you (DLC) and MDB so please help me out, who the hell am I supposed to be writing to?
6. I have made it clear that you should NOT send anyone to my home address, no matter the reason. The Guidelines clearly state that so long as a debtor is communicating then you have no right to call at their home address - calling at my home address will result in severe consequences and I demand you acknowledge this point and DO NOT attempt to send anybody to my address. If you do then I will seek the full strength of the law and bring criminal proceedings against the person who authorises any such visit - you must heed this warning;
7. There is no balance, the account is unenforceable as previously explained. Please provide me with a signed copy of my agreement then, with the terms that I agreed to when the product was opened. Until such time you comply with this very simple request then this account is unenforceable in line with s.127 CCA1974.

I suggest you seek immediate advice regards this matter because you're not doing yourself any favours here.

Yours faithfully,




Sign Digitally.

Wee update...sent above letter 2 weeks ago still no reply from dlc, wonder what their thoughts were when they read above letter composed by oor Niddy. Will keep you all posted.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

I've not forgotten the other issue but you said no rush so remind me (PM) nearer to when you want it

[Miss Muddled]

Re: Miss Muddle's UE Diary

I've not forgotten the other issue but you said no rush so remind me (PM) nearer to when you want it

Cheers Niddy.......know how busy you are and have been with forum upgrade, we greatly appreciate you taking time again to help us.....but as we said no rush as want to waste as much time as poss to help go towards SB date, they did say they would delay action for 21 days not sure if that's from date of letter or when i received it, so err on caution will do it from date of letter, so maybe the beginning of next week.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Respond as follows (*edit the dates);

Dear Sirs,

Ref: xxxxxxxx

Thanks for your letter of xx July 2013, the content has been noted.

You are still trying to hoodwink me here, let me elaborate, in specific response to your letter;

1. MDB DO NOT have a consumer credit licence, I have asked you on two previous occasions for their CCL Number - you cannot provide it hence you ARE deliberately misleading me;
2. You opened a letter for another company and replied to me from your company, then you try and act clever by saying that the registered address is at the bottom of all letters - do you really think this is acceptable in line with the provisions of holding a consumer credit licence? I would argue you are doing everything you can to deceive and mislead me here;
3. Company Number 01829604 IS dormant/non trading - I suggest you get your facts straight;
4. As you are the legal owner, I will communicate with you but will never respond to, or reply to anything from an unlicensed dormant firm;
5. You then say you don't mean to deceive your customers yet reading your letter, I am still none the wiser - the thing is to date, all from one letter arriving from an unregistered and unlicensed company, I have been told you're part of the Faccenda Group who are part of Hillesdon Securities who own you (DLC) and MDB so please help me out, who the hell am I supposed to be writing to?
6. I have made it clear that you should NOT send anyone to my home address, no matter the reason. The Guidelines clearly state that so long as a debtor is communicating then you have no right to call at their home address - calling at my home address will result in severe consequences and I demand you acknowledge this point and DO NOT attempt to send anybody to my address. If you do then I will seek the full strength of the law and bring criminal proceedings against the person who authorises any such visit - you must heed this warning;
7. There is no balance, the account is unenforceable as previously explained. Please provide me with a signed copy of my agreement then, with the terms that I agreed to when the product was opened. Until such time you comply with this very simple request then this account is unenforceable in line with s.127 CCA1974.

I suggest you seek immediate advice regards this matter because you're not doing yourself any favours here.

Yours faithfully,




Sign Digitally.

Wee update...sent above letter 2 weeks ago still no reply from dlc, wonder what their thoughts were when they read above letter composed by oor Niddy. Will keep you all posted.

Well obviously spoke to sooooon....

Recieved reply today saying...

They understand that my complaint regarding them trying to decieve us has been fully addresses in their last letter.

They also sent us a copy of the entry for MDB which they shows this company as active.

They said we stated agreement was UE therefore also enclosed a copy of original agreement and copies of current and original at the time of inception T & C, different set of T & C, (but same CCA) they sent before that Niddy deemed UE.

So now got a copy of CCA and different T & C's maybe need to resend to Niddy for his professional opinion......

Also just found Default Notice for this account doesn't quite look right maybe Niddy could have a lok at that when he has a spare mo...also just realised that this account has approx £500 of charges on it, if they go to court could be counter defend with some charges especially if we could ass wee bit of interest on....

Blloming hell they just don't give up, do they, like leeches Only got 9 months till SB.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Just send me everything again please. Spell it out and I'll check Monday

[Miss Muddled]

Re: Miss Muddle's UE Diary

Just send me everything again please. Spell it out and I'll check Monday

Sorry internet been down (or something wrong couldnt get on to forum or send/recieve emails) Greatly appreciate you doing this Niddy,we feel terrible putting our troubles and woes on to you just now when you are so busy trying to upgrade forum. Just don't know how you cope with the stress and pressure and still find the time to help all of us on here. Will get everything over to you this weekend. Trust Apex and DCL to raise their ugly head at sametime... Probably be because they are ready to SB next year. Also not recieving emails from forum would it be poss just to post on here letting us know you get everything, when you get a mo, that is....

[SXGuy]

Re: Miss Muddle's UE Diary

Guys.

Just did a company number search on WebCheck and MERCANTILE DATA BUREAU LIMITED 01829604 says, the status is "active" but the company accounts submitted 30/04/12 says its dormant.

They have until 08/09/2013 to file an annual return and change its company status, so be interesting to see if its dormant or trading.

But im wondering if DLC are trying to mislead you by saying, the company is active (when it techically is) without admitting the trading status is dormant/non trading.

Mercantile Data Bureau Limited is an Active, non trading business incorporated in England & Wales on 3rd July 1984. Their business activity is recorded as Non-trading Company. Mercantile Data Bureau Limited is run by 2 current members. and 1 company secretary. 1 shareholders own the total shares within the company. It is also part of a group.

The latest Annual Accounts submitted to Companies House for the year up to 30/04/2012 reported 'cash at bank' of £0, 'liabilities' worth £0, 'net worth' of £0 and 'assets' worth £0. Mercantile Data Bureau Limited's risk score was amended on 11/05/2009.