go sign up to noddle CRA please

then when you have

click financial information

find your MBNA debt

under status what does it say..

It currently says 'late payment'

good not really harming you then.

FWIW that is all lenders will see

as I've said time and again lenders cannot see the calendar markers that you can see if you drill further in.

PLEASE CAN SOMEONE ADVISE? FOLLOWING US STOPPING PAYMENTS, THEIR THREAT OF DF ETC, I HAVE NOW HAD A LETTER STATING THE FOLLOWING:

Dear Ms X,

Notice to Terminate your Agreement

As you have not satisfied the terms of the Default Notice we issued recently, we have no alternative but to terminate your credit agreement and demand payment of

£2947.12

If you do not pay the amount shown above within 5 days from the date of this letter we will take steps to recover the amount owed, which could result in either

a) your account being placed with out internal recoveries department or

b) Your account being placed with an external debt collections agency for recovery activity

SO HELP! IS THIS NORMAL? NOT THAT WE HAVE THE MONEY, BUT 5 DAYS FROM THE DATE OF THEIR LETTER IS TOMORROW SO LESS THAN 24 HOURS!

AND I THOUGHT THAT IDEM WAS THE DCA??

Who is the above from ?

It's from Idem.

They are a DCA...they cant terminate an account or issue a default notice ?

Are you still getting statement from MBNA ?

Complicated case andy.

Very brief synopsis..

Op had an arrangement to pay getting AP makers

Was told years ago to stop paying so it gets defaulted

Didnt stop payments

A/c was sold to idem without mbna defaulting it

Op carried on paying

Complained to FOS about no default..toughluck from FOS

Eventually stopped paying

Hoping idem will default it (even though they cant)

Then get it back dated so card does not show on credit file

You can ignore idems rubbish BG..so what let them do it

I cannot believe they're not going to chase for money - and this worries me. I'll be back to square one on an arrangement.

what worries you?

Bailiffs and a CCJ

do you seriously thing a judge is gonna want to touch this case with a barge pole, and idem have got to raise a claim first to get it before him.

you can NEVER get bailiffs involved

ide take this to court

you LOSE!!

get a CCJ

you fail to pay it in 28days

they go back to court and the judge allows the use of bailiffs on a consumer credit regulated debt.

even then you can IGNORE bailiffs as there is no right of forced entry on consumer credit debts anyway.

dx

You are going to have to stop worrying about their meaningless threats, and concentrate on your forthcoming complaints

To recap, what have they legally got?

An illegible agreement with the majority of the t&cs missing,

and a default notice they cobbled together, which although serves a purpose for yourself, is otherwise total garbage.

Now as to your complaints,

for this account only,

The date you agreed the initial reduced payments with MBNA

The EXACT amount outstanding at that date

The EXACT monthly payment

The first date on which you altered that agreed payment

The new monthly payment

AND also the previously requested documents please

An update on this is that they have finally applied 2 DFs on 3 of the Idem a/cs. I assume the 3rd DF will follow as we are getting the same letters/calls.

However, for the account which was the first to be DFd, they have sent a letter to say that if we don't call them and make an arrangement within 10 days, they will pass this to recovercall (or something like that) who will arrange for a representative to call at the property.

Whilst I know they can't call and enter the house to take belongings, it's obviously not something I want happening eg, some DC at the door when the kids are around.

Has anyone had experience of this? I cannot see Idem walking away from this and letting us off the thousands they maintain we owe.

do the debts summary, not the calendar, now say defaulted them or still what was it arrangement?

don't worry about resolvecall, .

tell them to leave

say nothing else

or you'll call police 101

On checkmyfile it's not that clear - but I believe that under Call Credit it is showing as DMP but Equifax it says 'DF has been served'. On the calendar part of Call Credit, it says D for December.

good they might eventually fall of in 6yyrs then now..

yeh well, they have better. Unless I can get them removed beforehand. I am putting all the requested info together to scan.

Having read lots of threads on here about Resolvecall, I would want to avoid them ringing my doorbell. I have 2 young children and answering the door to a stranger threatening this and that (they don't sound nice based on people's experience on here) is not something I relish. Can I write to Idem at all to avoid this? Or can I send the following letter to Resolvecall should they write to me (found on another thread on here)?

Dear Resolvecall

Your Ref xxx

I do not acknowledge any debt to your company.

Please be advised that I will only communicate with you in writing.

Should it be your intention to arrange any “doorstep calls”, please be advised that under Office of Fair Trading (OFT) rules, you can only visit me at my home if you make an appointment . I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully,

Oh also, does anyone know what the "i don't accept personal callers template" is?

no forget that

old template totally useless

always was

just invites letter tennis

Ah OK. Thanks.

So how do I deal with these people who are likely to call? Say something like "I don't know who you are. Leave or I'll call the Police"?????

Does anyone know how long they bother people for???

post 269 already

I will get phone out and threaten 101.

And does anyone know how long the bother for or what Idem might do next (aside from Resolvecall)? Apologies if this has been answered, I don't think it has......

Yea film him too!!

I think idem would have done something years ago if they thought they could...

We have had 2 letters from Resolve call to say that they're going to pay a visit (deep joy).

Could be any day now.

Does anyone have any experience of them calling?

Am I likely to get a scary bloke turning up in the evening?

Do they come in working hours?

Do they come back if we're not in?

Or should I start a Resolve Call thread for help?

Whilst I know they're 'only' DCA and can't come in or take anything/threaten us,

I am pretty scared as I am at home with 2 kids a lot on my own.

Ta.

Resolve (Snot call oops old Scotcall) lolThey have no powers, they are only commission agents, if they turn up tell them to leave and shut the door on them, do not get into conference with them, any problem with a caller tell them the police will be called and shut the door . they are most likely to be afraid that you may boot them ?? maybe not lol