Miss Muddle's UE Diary

[SXGuy]

Re: Miss Muddle's UE Diary

agreements@all-about-debt.co.uk

[Miss Muddled]

Re: Miss Muddle's UE Diary

agreements@all-about-debt.co.uk

Cheers SXGuy....

[Never-In-Doubt]

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.

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.

[SA Gold]

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.

What a letter! Bravo

[Miss Muddled]

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.

Your a star Niddy

Unbelievable...you have such a way with words...Niddy, all written in a matter of mins..

Will send them this on Friday for them to receive Monday that will be their 21 days...adding all the the time to SB diary.

[Miss Muddled]

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.

Just a thought Niddy, the last amazing letter you complied for this lot at Apex you stated at the bottom of the letter

"I am in the process of consulting with a Solicitor and understand that my Husbands may be suitable for a Conditional Fee Arrangement on a No Win No Fee basis to help us resolve this issue with Apex Credit Management"

What do you think should I remind them of this or just leave it....as it is.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Just a thought Niddy, the last amazing letter you complied for this lot at Apex you stated at the bottom of the letter

"I am in the process of consulting with a Solicitor and understand that my Husbands may be suitable for a Conditional Fee Arrangement on a No Win No Fee basis to help us resolve this issue with Apex Credit Management"

What do you think should I remind them of this or just leave it....as it is.

I'd leave that out

[Miss Muddled]

Re: Miss Muddle's UE Diary

I'd leave that out

Okey Dokey...your the boss

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Okey Dokey...your the boss

nooooo you're the boss I'm just the bitch

Seriously though, do whatever you feel is best. I just think it might be OTT with that particular letter.

[Miss Muddled]

Re: Miss Muddle's UE Diary

nooooo you're the boss I'm just the bitch

Seriously though, do whatever you feel is best. I just think it might be OTT with that particular letter.

I think some of Mr M Doctors and Consultants would beg to differ with you on that one.....according to my Daughters and Hubby they think I'm the Bitch from Hell with Hubby's Doc's, as now I stand for none of their crap now, fed up with Hubby being pasted pillar to post and back again, starting to put foot down as recently he seems to slipping backwards.


Change your title to BB *Boss Bitch*

Will defo just stick with main letter, respect your guidance totally....wouldn't do anything to jeopodise all your good work you have done for us over the past year.

[Miss Muddled]

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.

Sent above letter to APex on Friday 9th august checked Royal Mail site this morning still not delivered, do you think I shoud resend another copy.....

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Sent above letter to APex on Friday 9th august checked Royal Mail site this morning still not delivered, do you think I shoud resend another copy.....

Nah, it'll be bulk signed for, ie they sign once for like 50 items, give it time

[Miss Muddled]

Re: Miss Muddle's UE Diary

Nah, it'll be bulk signed for, ie they sign once for like 50 items, give it time

Cheers Niddy, will keep you all updated...(Sorry for not replying sooner Mr M not good just now)

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 5

ARGOS STORE CARD

Type of account:–BOS CREDIT 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 on what

Forgot to remind Niddy to have a look at CCA T & C's and Default before he went off, was concentration on HBOS account which gives us more concern than this one...

Anyway today a neighbour handed in a letter she opened by mistake (don't think so nosy bitch..) she had it since Friday and kept forgetting to bring it into us it was from MDB stating:
I have been instructed by direct legal & collections as associated company of Mercantile Data Bureau Ltd., to contact you about the above unpaid debt. Your account has been trasfered 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 oportunity 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 to conclude this mater as quickly as possible.

Now up till now Niddy has complied a few cracking letters regarding them not being licensed to send to them, however dlc replied to these letters staing MDB were licensed now they are on our heels again...does anybody know if the above letter represents a Letter before Action (i.e. going to court) not sure what has to be included in one of these letters.

Can't ask Niddy about the CCA T & C's and Default Notice that we sent him as he is away on a well deserved break. The T & C's they sent are one of thre different T & C's we have received over the past 4 years.

ANybody any ideas what we should do, really scared in case this is a Letter befoe Action as they do state "before we undertake any action with your account" in their letter.

[Enforcer]

Re: Miss Muddle's UE Diary

No, just the usual crap. This is not a letter before action. I would ignore for now. Wait until Niddy gets back.