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blondiegirl

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About blondiegirl

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  1. Both of my CCAs were pretty much illegible. My husband's form is quite clear though, but it was a simple 2 page form, which refers to lots of T&Cs. The actual T&Cs that accompanied the CCA was a photocopy of what would have been their standard T&Cs at the time apparently - not necessarily the exact ones he would have seen. I have now had the same PAP letter for my 2 accounts saying that they're referring my accounts to their litigation department so all 3 accounts now passed to their litigation department. So 3 PAPs to complete. I have the CCAs so there's no point in asking for that again is there? But in box D, what do I write as to why I'm disputing it? I will get these sent back to them over the next few days. Re. post 232, if I had all the time in the World and a scanner I could have uploaded these docs. However, I will have to buy a scanner to scan the hundreds of pages, but I will. I will do this as soon as I possibly can. Thanks for the help.
  2. So an update, and I must admit I am getting a bit worried now. For my 2 DFd Idem/MBNA accounts, I get automated Resolvecall phone calls which I ignore. Someone did call out and they left a card. Nothing else. Automated calls carry on, but not daily. But for my husband's 1 DFd Idem/MBNA account he doesn't get the phone calls (I assume they have no number for him) but a large A4 letter arrived from Idem, to let him know that they are passing his details to their litigation department (I haven't had this). They have enclosed the previous 2 years statements (they bought the debt in December 2016) and a 'pre-action information sheet'. They are asking him to complete an income and expenditure sheet. They say (and this is what worries me) that is they don't hear from him within 30 days, they will look to take further action. They then may: * Obtain an attachment/arrestment of earnings order * Obtain a charging order against your property * CCJ They say we have to do this to avoid court action. Having looked on this forum, I can see that Idem DO take court action so I am pretty worried now. Looking on another site, there's a letter which people have been advised to send back, which demands that they prove that the debt is unenforceable. Why does my husband have this and not me?? HELP PLEASE!!!
  3. Well no, not really answered my questions. Whether they have power or not (I know they don't), I am worried about the doorbell ringing, so I asked: 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? When/if I speak to them and tell them to leave, will they come back?
  4. 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.
  5. 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......
  6. 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???
  7. 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?
  8. 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.
  9. 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.
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