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Piglet101

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  1. Do you have your husbands CCA ...or not? As for Resolvacall - I had them call the other day - nice chap - told him to send it back to Idem as its 'unenforceable' ! He said "when did you speak to them" - I said "I haven't ...its ALL IN WRITING". He tried frantically to phone Idem but then couldnt get on the internet with his works phone to find the password they required as he was speaking to them. He left rather red faced and sloped a card in my hand. I followed this up with a 'ACCOUNT REMAINS IN DISPUTE UNTIL YOU FIND THE CCA I AM STILL WAITING FOR' letter to Idem, stating their harrassment dates / & harrassing Resolvacall visit/card.
  2. Thank you dx100uk and for linking! I think a back door CCJ is just up their street. As you say, they have written to me now at my new address so it is in writing at least. They have also returned my postal order - so i assume it doesnt particularly matter that they aren't going to attempt to find the CCA (although lets face it - they dont have one given all that we've been through!) whilst at the sametime they wont be confirming 'unenforceable' to me in writing either. I'll await their next move... For the second account, they sent a fairly lengthy response. After admitting they couldn't find/dont have the CCA, stating its unenforceable. Yet threaten all kinds...does not remove your responsibility and liability...does not diminish our rights to pursue..Idem are not under 'your' authority (ha ha) to restrict future charges and within our statutory rights to apply if nec. And...within rights to assign third parties, including DCA. Will continue to report to CRA (ha ha...they removed them in 2017!). Idem will not remove your info/personal/account data, this info is very important (sure!!!) ......blah blah blah. *FOOLS* I might just write back saying - "Thank you for confirming unenforceable in law. 'Account in Dispute'. Goodbye." ?
  3. (You may recall my longggg old posts on these pre-2000 CC, eventually after a long battle, being removed from CRF in 2017 by IDEM, after 2 years complaints with FOS and back to IDEM,etc, etc, I received compensation too) So...fast forward to 2019. Idem still chasing (yawn...). I moved address last year. Still received correspondence to old address. Sent recent CCA requests for the 2 CC accounts. One account CCA request reply from IDEM says:- "Thank you for your recent request for personal data pursuant to Article 15 of the General Data Protection Regulation (GDPR). Whilst we are happy to fulfill your request, unfortunately we are unable to confirm your details against the details we hold on our system. Therefore, please confirm your full name, dob, and current address, along with any previous addresses to enable us to locate your account accordingly. Your attention to this matter is appreciated and we look forward to hearing from you." Oh they are such ding-bats aren't they . Not only are they not mentioning the 'CCA' I requested in my letter (but GDPR) , they have been chasing this debt, trying to locate my new address and threatening Resolva-planet, and have also written to me already at my new address with regards to the other account, yet... now they want me to confirm my details...for this address/account. What shall I write back to them with please (with gusto!) / or not !? I am still waiting for my CCA...... Thank you,
  4. 2 Credit Cards MBNA (opened in 1997!) Debt Management Plan 2009 Accounts sold to Moorgate - YEARS OF No.6 ARREARS NO DEFAULTS (tho historic 'Default Notices' from both MBNA & Moorgate) Complained to FOS 2016 (Moorgate immediately sold to IDEM) - not upheld as 'Still had a relationship' (durgghh! I was still paying them through stepchange - copied into all correspondence) Complained to ICO 2016 - not upheld as 'Still had a relationship' (this info was useful tho - as STOPPED PAYING STRAIGHT AWAY) Sat in my armchair - and I allowed time for IDEM to make 'monumental mistakes' with my Credit Reference Files (false DMP and AP's in place - funny that as I hadn't paid them since January !!!) (and they suddenly Defaulted 1 accnt but not the other!) Then Aug 2017 - I had the ammunition I needed to make another 'mother of all letters' with copies of all Credit Files, pointing out all the lies they had made on my CRF with further threat to go back to FOS and ICO with our now 'very non-existent relationship!' 8 weeks was up last week - I was about to place my FOS/ICO complaints this weekend ......… but ALAS, today I have received a letter..... I thought I would never receive...it reads... "Further to our letter dated 24.08.17, I am sorry to hear you remain dissatisfied and apologise for the time in replying. I thank you for providing us with a copy of your credit file, this has assisted us in understanding your concerns. I am sorry for the confusion in our letter dated 11.08.17 and after a further investigation it has been agreed to remove the credit record from your credit file for both of your account. For the inconvenience, we have caused I wish to offer you £100 and I will arrange for a cheque to be sent under seperate cover. I hope you find that the points above offer a fair resolution to your concerns. If you have any concerns regarding your financial situation, we would recommend you seek free impartial advice from Citizens Advice or Stepchange." Well well well, after 15 months of long hard slog !! I will of course ...believe this when I see it - but it appears to be a grand step further towards a very much anticipated grand finale! and NOT ONE MENTION of the £4K that WAS still owed! So...don't give up, just keep going, but you must get them into a corner they cant wriggle out of, Great many thanks to all who offered me any advice along the way, you are priceless! All the very best to you.
  5. Hi blondiegirl you might find this useful just happened today https://www.consumeractiongroup.co.uk/forum/showthread.php?474179-MBNA-Moorgate-IDEM-Arrears-NO-DEFAULT-NOTICE-PLEASE-HELP&p=5012572#post5012572
  6. Hi Blondigirl I have read your historic post with great interest, as I myself are in the exact same situation as you unfortunately found yourself in with MBNA. I have x2 accounts with original creditor MBNA to MOORGATE to IDEM now, from my 2009 debt management plan following separation, still not Defaulted instead showing AP markers...forever. I have thus far complained to all, FOS and ICO. I had negative Adjudicators response from FOS, but now await Ombudsman review. ICO have unfortunately supported MBNA. I have stopped paying IDEM since January 2017 but this has made no difference thus far. Ive received all copies of what they hold about me, 3 Default Notices were issued over the years, but they never went through with them, and i didn't receive any of them, none reported to CRA either. I was wondering if it has turned out in a positive light that you intended since all your endeavours?. It does seem all exhausting at times but I keep seeing rays of sunshine. Step Change have just dropped me and told me to get back in touch when all this is over with, when all I tried to do was the responsible thing and pay! I wasn't advised to hold back at any point but I have done it now since Jan. (Interestingly, since my complaint, Idem's statements now say....'if you pay MBNA anything in the meantime, this information will show at a later date' kind of thing!! Seems like a strange switch in tactics from them since I have always been lead to believe they owed the debt these days!). They just play me off in the middle! I have a 3 y/o daughter, work full time and look after my 70 year old mum. I really would like to hope this situation won't hold us all back for much longer...but its like being in quick sand sometimes. Save
  7. Do I need to send MBNA a new complaint? My original one, in October, did indeed say 'register a Default Notice from Dec 2009 at the latest, you have 14 days to comply'. They took 8 weeks to say 'No', then I went to FOS ?
  8. Yes, were getting nearer, soon after my last 2 DMP missed payments (+another one earlier in year) with MBNA, amongst arrears, they sold to Moorgate. I had read mixed messages as to go to FOS following unsuccessful complaints with the original creditor, and some ICO. I think I will proceed to the Ombudsman now I'm at that point with the Adjudicator to see what they say AND I will proceed with a complaint to the ICO if you feel this would perhaps be more successful. I feel they have breached all their Guidance to date but wasn't sure what Authority they had really to inflict this. MBNA have told the Adjudicator that the account was 'up to date' when they sold it to Moorgate, but I know, and have evidenced it was not. FOS are ignoring this issue. I will also send SAR to MBNA, the adjudictor says their evidence 'is a bit shoddy' to her ?! mmh i wonder why... Do you think a complaint to FCA also, or wait for outcome before I do that?
  9. How come Moorgate were able to issue a Default Notice posted to me in Dec 2013, 1.1/2 years after purchasing from MBNA ? Then they binned it anyway as they say 'they were contacted by DMP re continuation of payments within 28 days' so it wasn't registered ?? I was asking originally for MBNA to back date this ghostly Default Notice during my initial complaint to 2009, to be told 'please discuss this with Moorgate' ?!
  10. Both accounts are on my credit reference files with all 3 CRA under Idem. As the other 4 creditors accounts under my DMP have all now disappeared from my CRF, I assumed MBNA's/Idem's accounts to have disappeared also, until I got my CRF to discover this was not just the case, but also that the accounts will be there, showing arrears, for the next 3 years until settlement + another 6 years (2026), unless I try and do something about it. It may well not be enforceable, which I will give careful consideration to but I don't mind paying this debt, its was mine after all, and I feel a Default Notice should have been issued a long time ago. Moorgate have said to the Adjudicator, if I don't pay for the next 3 months (to Idem), they will reignite Moorgates old default notice Dec 13', can't believe Moorgate are advising me to not pay Idem for 3 months, I guess they don't care as its not theirs anymore but Im confused as to how this could reignite Moorgates Default Notice if it now belongs to Idem?!...or are they stirring the pot? Thanks Andy,
  11. Ah ok. Yes debt has now changed over since Dec 2016 on all 3 CRA to 'Idem'. One account is £2000, the other £2200 (2 credit card accounts MBNA/Idem).
  12. I can send MBNA a CCA request in the meantime, tho have been paying this debt for nearly 8 years now, 3 years left on it (with IDEM!). Step Change - formally Consumer Credit Councelling Service when I joined back in May 2009, interest was seized. They took me under their wing and serviced everything within a month at the time, which obviously I thought to be nothing short of A-mazing. I wasn't advised to...'Wait!'...'don't pay anything until all accounts Default' kind of thing. The other 4 creditors on my DMP sent 'Default Notices' within months in 2009... ...all apart from MBNA (they sent me a new account number too in December 2009 - 6 months after entering DMP so god knows what 'internal process' was going on there ? ! CCCS obviously did forewarn about Default Notices in their general information, but from the point of view of 'if this happens...it means it will show on your credit file for 6 years unfortunately'. No-one has addressed the issue of beware of Arrears for 17 years. I did question Moorgates accounting methods with Step Change a few years ago as the arrears were so on going with 'really old DMP arrangement figures' from 2012 (hence the arrears!) which had been reviewed since, but I was just advised that it is Moorgates internal way of accounting and as long as the balance was correct, to not worry about this. I only incidentally found out about No Default Notice on these 2 MBNA accounts last October when looking at my credit files to see if myself and my 3y/o daughter could move home...;-(
  13. Yes, MBNA credit card opened in 1997, defaulted May 2009, balance £6000, entered into DMP with total of 5 creditors including MBNA (all other 4 creditors issued Default Notices in May 2009, apart from MBNA).
  14. Mmh, at the moment, I dont have a Default Marker - apparently (Moorgate did not register the one they sent me in December 2013, so no sign of it on all 3 credit files), rather 4 1/2yrs worth of arrears...
  15. Thats correct Andy, Moorgate Loan Servicing (trading style of Paragon Finance PLC)
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