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MBNA
· Type of account: credit card
· Date commenced Not sure
· definitely before Apr 2007
· Approx balance: £1255
· Date last paid: 2008
· on DMP SC
· Status :can’t remember if acct was defaulted vague recollection it was. Not showing on my credit file
· Account owner : Idem
MBNA UPDATE.
· CCA request sent September 17
· Letter of Acknowledgement of request September 17
· UPDATE 30/09/17
· Letter from Idem stating they are unable to locate a copy of agreement. They acknowledge they cannot enforce agreement until agreement is located. They went in to say they still plan to pursue debt include registering any defaults and arrears.
· This maybe familiar some of you. I’m guessing this is a standard letter. The query I have is can DCA register arrears if Debt has already dropped of my CF ?
· 16/10/17 received agreement. Sent off to niddy to have a look
30/10/17 Niddy confirmed this .
. As I’ve been paying so SB isn’t an option for me sadly. Looking for f& f for definite
04/02/18
I did make a 10% offer which was rejected. Received a letter from IDEM yesterday dated 31/01/18, stating that there is no payment arrangement. If I don't contact them within 7 days my account will be renewed for further action which could result in either acct being placed in "our internal recoveries dept" or "acct being placed with an external debt collection agency for recovery activity" Am right in thinking they will sell onto another DCA or they threatening something far more serious?
I was considering UE route , but I have been down this debt road for 10 years I want to get rid, but not at any cost now. have become aware that DCA's pay pennies for our debts. Ive it said before if I knew about guys earlier on things would been different but I am where I am.
Just out of interest is there anyway I can found out how much DCA's actually pay. Not a biggie just curious.
I would like help in what to do with the letter. Shall I ignore and see what they come up with next ? I understand "could" is very different to will , but guidance would be very much appreciated
01/03/18: Idem Servicing have written after calling countless times a day ,telling me about their concern of them not being able to speak to me about payment . The have suggested that if I don't contact them I will either have some appear on my doorstep , have my acct placed with an external DCA ( Aren't IDEM a DCA?) or consider litigation proceedings. Not frighten of these letters now, well not as much .I will see what they come back with , but send an harassment letter in the mean time
19/04/18: Letter from Idem dated 16/04/18: they go on on about me not answering their numerous calls and would like me to contact them with 10 days. If I don't they will refer me to Resolve call for a home visit. I have read a lot on here , reassuring there is nothing to worry about. Will send door step harassment letter if needed
05/05/18
Letter from Resolve call sating that IDEM are having difficulty in contacting me and ask that I contact IDEM urgently. Resolve go on to say that if I do not contact IDEM then they will visit within 28 days of letter dated 01/05/18 me at my home to help me come to some arrangement. . I will be sending the door step letter. Do I send to both IDEM and resolve call or resolve call alone? I take it recorded delivery is the way to send letter or will an email suffice?
02/06/18
Update: 05/05/18 Door step letter sent.
10/05/18: Letter from resolve stating they are no longer dealing with the account
10/05/18: Letter from IDEM in response to my door step . They will be looking into my complaint
16/05/18: Letter referring to me their response to my previous complaint ( I sent telephone harassment letter to IDEM 02/03/17) saying they will not uphold my complaint and will not contact me for 30 days until I contact them to discuss payment . They go on to say they can instruct a third party to visit my property should they not be able to contact me by other means . Well we can do the dance if they like. The same door step letter will be sent as many times as needed if they want.
UPDATE:
18/06/18
Letter from IDEM dated 07/06/18 informing me that they have instructed WESTCOT to collect outstanding sounding amount. I guess just wait ti hear from WESCOT. Interesting turns of events . Not so long ago they were threatening CCJ's
· Type of account: credit card
· Date commenced Not sure
· definitely before Apr 2007
· Approx balance: £1255
· Date last paid: 2008
· on DMP SC
· Status :can’t remember if acct was defaulted vague recollection it was. Not showing on my credit file
· Account owner : Idem
MBNA UPDATE.
· CCA request sent September 17
· Letter of Acknowledgement of request September 17
· UPDATE 30/09/17
· Letter from Idem stating they are unable to locate a copy of agreement. They acknowledge they cannot enforce agreement until agreement is located. They went in to say they still plan to pursue debt include registering any defaults and arrears.
· This maybe familiar some of you. I’m guessing this is a standard letter. The query I have is can DCA register arrears if Debt has already dropped of my CF ?
· 16/10/17 received agreement. Sent off to niddy to have a look
30/10/17 Niddy confirmed this .
. As I’ve been paying so SB isn’t an option for me sadly. Looking for f& f for definite04/02/18
I did make a 10% offer which was rejected. Received a letter from IDEM yesterday dated 31/01/18, stating that there is no payment arrangement. If I don't contact them within 7 days my account will be renewed for further action which could result in either acct being placed in "our internal recoveries dept" or "acct being placed with an external debt collection agency for recovery activity" Am right in thinking they will sell onto another DCA or they threatening something far more serious?
I was considering UE route , but I have been down this debt road for 10 years I want to get rid, but not at any cost now. have become aware that DCA's pay pennies for our debts. Ive it said before if I knew about guys earlier on things would been different but I am where I am.
Just out of interest is there anyway I can found out how much DCA's actually pay. Not a biggie just curious.
I would like help in what to do with the letter. Shall I ignore and see what they come up with next ? I understand "could" is very different to will , but guidance would be very much appreciated
01/03/18: Idem Servicing have written after calling countless times a day ,telling me about their concern of them not being able to speak to me about payment . The have suggested that if I don't contact them I will either have some appear on my doorstep , have my acct placed with an external DCA ( Aren't IDEM a DCA?) or consider litigation proceedings. Not frighten of these letters now, well not as much .I will see what they come back with , but send an harassment letter in the mean time
19/04/18: Letter from Idem dated 16/04/18: they go on on about me not answering their numerous calls and would like me to contact them with 10 days. If I don't they will refer me to Resolve call for a home visit. I have read a lot on here , reassuring there is nothing to worry about. Will send door step harassment letter if needed
05/05/18
Letter from Resolve call sating that IDEM are having difficulty in contacting me and ask that I contact IDEM urgently. Resolve go on to say that if I do not contact IDEM then they will visit within 28 days of letter dated 01/05/18 me at my home to help me come to some arrangement. . I will be sending the door step letter. Do I send to both IDEM and resolve call or resolve call alone? I take it recorded delivery is the way to send letter or will an email suffice?
02/06/18
Update: 05/05/18 Door step letter sent.
10/05/18: Letter from resolve stating they are no longer dealing with the account
10/05/18: Letter from IDEM in response to my door step . They will be looking into my complaint
16/05/18: Letter referring to me their response to my previous complaint ( I sent telephone harassment letter to IDEM 02/03/17) saying they will not uphold my complaint and will not contact me for 30 days until I contact them to discuss payment . They go on to say they can instruct a third party to visit my property should they not be able to contact me by other means . Well we can do the dance if they like. The same door step letter will be sent as many times as needed if they want.
UPDATE:
18/06/18
Letter from IDEM dated 07/06/18 informing me that they have instructed WESTCOT to collect outstanding sounding amount. I guess just wait ti hear from WESCOT. Interesting turns of events . Not so long ago they were threatening CCJ's
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