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.

£6.99



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. #221
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    Thanks, but that doesn't answer my valid question. I have many scans to go through, so in the mean time......

    Can someone help advise please?

    *if* I were to offer Idem to settle, but only if they delete the account from our credit records, what would be a 'sensible' amount (assuming they agree)? 50% offer? I am likely to come into a sum of money, and as our main goal is to move ASAP this may be the quickest way to clean up files. So rightly or wrongly, I will need to explore this.

    - BlondieGirl
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  2. #222

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

    lets see what the comm log gives us
    no never F&F that high <15%

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  3. #223
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    Default

    Here's some of the docs that Idem have sent. I still have a lot more to scan.

    Scanned images of docs from Idem

    And with the first lot of pages deleted.....

    Attached Files Attached Files
    - BlondieGirl
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  4. #224

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

    thank you
    thread tidied

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  5. #225

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

    did you ever send an SARicon to MBNA?

    dx

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  6. #226
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    Yes I think I did many moons ago. I'll have to search.
    Presumably the one from Idem is standard?

    Thanks for tidying thread.

    - BlondieGirl
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  7. #227
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    Default

    I did have one thought
    - surely there should be correspondence/info/data pertaining to me between Idem and MBNA.

    I would have expected to have receive copies of letters surrounding the debt and what it was sold for etc because it relates to me.

    I have to search through boxes for the MBNA SARicon but I don't remember seeing anything like this in that paperwork.

    And now I am furious!

    Having checked with Stepchange - it appears that they have been paying IDEM after I told them not to. I am so angry because I asked them not to and they agreed! Great.

    - BlondieGirl
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  8. #228
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    OK, so I've checked through the info that MBNA sent me following me my SARicon. There's very little there; the 'original' signed photocopy of the agreement, copies of the letters between me and MBNA and some pages of codes which pretty much point to nothing.

    What am I looking for?

    - BlondieGirl
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  9. #229

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

    218

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  10. #230
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    I can't see anything with that. What's that?

    - BlondieGirl
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  11. #231

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

    re post 218

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  12. #232

    Default

    Quote Originally Posted by dx100uk View Post
    re post 218
    Stacks of useful info in the Idem SARicon
    really must see all letters between you
    MBNA theFOS and Idem and all their replies

    and the fosicon final decision please


  13. #233
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    I stopped all payments to Idem back in March in an attempt to sort this mess out. They are now calling daily and sending letters. Should I be worried?

    - BlondieGirl
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  14. #234

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

    wheres our cash cow gone...

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  15. #235
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    Sorry?

    - BlondieGirl
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  16. #236

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

    you were being cash cowed because you though you had to pay...

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  17. #237
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    !!!!!!!

    - BlondieGirl
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  18. #238

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

    being cash cowed is not a horrible comment, it's what they did to you because you knew no diff.
    they exploited your position...that's the horrible bit..the way you have been treated.

    in the end you had no other choice but to act and stop the cash cowing to force the issue you want resolved, which is no default and years of AP markers that will never vanish.

    let them ring, let them send all the 'nasty' letters they like, most of which don't say will anything and are an attempt to make you respond and get you back paying for all their holidays they've had on the free money they've been getting all these years.

    hopefully, this will cause them to default the account [even though legally we know they cant, but in this instance we will let them] then atlast after 6yrs the account will vanish from your credit file.

    as long as you don't get a letter of claimicon from their pet solicitor, you can as you've already rightly done ignore them.

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  19. #239
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    So Idem have sent a letter to my husband (they're still calling me daily) to say that he's in arrears, has no payment plan set up, and he may be defaulted or worst case that they'll send the bailiffs and/or refer to a DCAicon (I thought Idem were a DCA??).

    I assume I still sit tight because they'd have to go a long way before bailiffs call (I couldn't let this happen though)??

    - BlondieGirl
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  20. #240

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

    threatogram

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