Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

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Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #101
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    then sadly the markers are correct then
    we have had loads of successes here removing AP markers


    BUT what you should have done is complained that a default was not registered by MBNAicon
    not wanting the markers removed.
    that way the entry by the fleecing DCAicon would thus now not show either. as the defaulted date would be outside of 6yrs?

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  2. #102
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    oh and I hope you've sent idem a CCA Requesticon for each debt you are blindly paying them on?
    doubt enforceable paperwork from MBNAicon exists if this is pre 2007 sign up?


    dx

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  3. #103
    Basic Account Holder blondiegirl Novitiate



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    Default

    My original complaint *was* that MBNAicon default me/us.

    The fosicon didn't agree that we had defaulted because a new arrangement was made and the account was restructured.

    So, the FOS said that MBNA should have reported correct, up-to-date markers
    - which they then did.

    However, the DCAicon are now reporting that we're in arrears
    - I have complained that we have defaulted because we have not kept up with the agreement.
    The FOS say that it's fine that the DCA report that we're in AR/AP forever more.

    Now that the FOS have made their (incorrect imo) decision, I can't complain again and can only take legal action.

    I feel like telling the DCA where to stick their money but I just want a clean credit score because it's killing us!

    I have CCAd MBNA a long time ago and will look through what they sent.

    Would the DCA have to have signed paperwork?
    Our accounts were just a bulk load that Idem bought from MBA.

    Thanks

    Also,
    if I CCA Idem and they can't provide any correct paperwork/agreement etc
    (original credit card with MBNA was taken out 20 years ago),
    then where does that leave me?
    They're not going to simply write the debt off and clear my credit file are they?

    Thanks

    - BlondieGirl
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  4. #104
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    yes CCA idem...they might well not hold paperwork
    they'll kill the payments
    not sure on the credit file mind..


    a DCAicon cannot default you
    but ofcourse can mark the calendar
    you need to address the fact that MBNAicon should have defaulted you on XX date regardless to using AP markers.


    the ICOicon might be a good port of call too.

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  5. #105
    Basic Account Holder blondiegirl Novitiate



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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    The fosicon were very clear that we did not default with MBNAicon (much to my dismay).
    The account was re-structured, a new agreement made and it was reported as being up to date (retrospectively) because it actually was.


    Terms of a credit account can be re-structured once, which is what happened.
    I agree with that.
    We kept up with our payments and MBNA reported us as being up to date.

    However, once it was sold to Idem, we couldn't keep up with the repayment amounts and as such, we are now getting the AR/AP markers
    - it's like we've defaulted now, but obviously the DCAicon can't DF us.


    I have quoted the ICOicon's guidelines to Idem and the FOS but this seems to fall on deaf ears!
    It's hardly fair that someone declared bankrupt pays nothing, or little, off the debts,
    yet get a clean credit score after 6 yearsicon, but we'll have these markers until retirement which is literally ruining our lives!!!!

    So if Idem have no leg to stand on with the debt (if I get nowhere with a CCA) then what?
    I'll still have this debt hanging over us???

    - BlondieGirl
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  6. #106
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    but it would be unenforceable
    did you get a notice of assignment from idem?


    dx

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  7. #107
    Basic Account Holder blondiegirl Novitiate



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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    So it could be unenforceable but still show on my credit file forever more?

    Or could I then raise a new complaint with the fosicon
    (although I have effectively admitted owing the debt because I have already complained about the AP/AR markers)?

    I'm not sure what I got from Idem 3 years ago,
    but I know I had something because I called them and said I couldn't make the payments I'd agreed with MBNAicon due to hardship.
    They said 'tough'.
    Does having a 'notice of assignment' make a difference??

    - BlondieGirl
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  8. #108
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    Quote Originally Posted by blondiegirl View Post
    So it could be unenforceable but still show on my credit file forever more? possibly.

    Or could I then raise a new complaint with the fosicon
    (although I have effectively admitted owing the debt because I have already complained about the AP/AR markers)? admittance is not the issue.

    I'm not sure what I got from Idem 3 years ago,
    but I know I had something because I called them and said I couldn't make the payments I'd agreed with MBNAicon due to hardship.
    They said 'tough'.
    Does having a 'notice of assignment' make a difference??

    if they don't have it they cant mark your file.

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  9. #109
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    Hi.

    I have looked through my letters. I can't find an actual 'notice of assignment' or any letter with that header. However, that doesn't mean they didn't send it.
    I've had various correspondence over the years and I know I must have had something through because I called them for help with reducing payments 3 years ago.

    Surely they could just say 'we sent you a notice of assignment'? Or do I need to SARicon MBNAicon and Idem to see what they have on me?

    - BlondieGirl
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  10. #110
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    well it needs to exist in written format
    else idem must remove all there entries as they don't own the debt

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  11. #111
    Basic Account Holder blondiegirl Novitiate



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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    OK thanks dx100uk.

    I can't find any copies in all the paperwork. Is this typical?

    Should I SARicon? Not sure where to go from now.

    - BlondieGirl
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  12. #112
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    you need to force idem to prove you received such.

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  13. #113
    Basic Account Holder blondiegirl Novitiate



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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    OK. Thanks.

    Any suggestion on how I can do this?

    - BlondieGirl
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  14. #114
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    im not a massive fan of SARicon's to fleecing debt buyers
    but it might be the only way

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  15. #115
    Basic Account Holder blondiegirl Novitiate



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    Default Challenging Notice of Assignment - Idem/MBNA

    I have been trying to get our credit files cleared up over the last 7 years and have made great progress with each debt except those with iIdem. We are now stuck with Idem reporting AR/AP markers. The fosicon weren't interested so unless I can find a money tree, we will have a bad credit file until we die!

    The only avenue I haven't challenged is whether there is a Notice of Assignment in existence for the debts with Idem. I have looked through all our paperwork, and cannot find these actual letters.

    Has anyone had any luck trying to prove that a debt made not have been sold/transferred legally? I desperately want to prove that they have no right to report on this debt in such a damaging way.

    Any suggestions gratefully received

    - BlondieGirl
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