ncm-000
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Everything posted by ncm-000
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Motormile Finance Harrassment - New thread
ncm-000 replied to sillygirl1's topic in Motormile Finance UK Ltd/Lantern
@Sillygirl1 You need a program called NTPWD to reset win2000 (and other ) passwords. The simplest way to get it is from a copy of Hirens boot disk. http://www.hirensbootcd.org/files/Hirens.BootCD.15.2.zip -
Freds/carter/lowells chasing 2007 HBOS Loan debt
ncm-000 replied to franco1977's topic in Halifax Bank and Bank of Scotland
Seems Fredricksons are getting aggressive right now. I got a handfull of calls followed by two letters which got the short go away answer and that has been followed up by a LbA. Again we are getting close to the statute barred time. Not worried as I have nothing they can take but it will cost them a packet to find that out (unless I tell them in one last attempt to send them packing) -
Oh goodie !!!!!! This ***** system still will not let me give you another star which you richly deserve.
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Thanks CitizenB for such a quick response. Would that also apply to a Snail Mail £2 request? P.S. tried to give you another star but the system says I must give to others first. Odd as I have acknowledged others which I think have been helpful e.g. the Brig.
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Can the same be said if the original creditor (MBNA) offers the discount. And subsequently sells the debt on.
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I read on another forum where I lurk but am not a member there are times when requesting your credit report is the very last thing you should do. What are the pitfalls of requesting a credit report?
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Does attempting to reclaim PPI or charges imply acknowledging the debt and thus restarting the clock. If you successfully reclaim PPI & charges, will it simply be applied to the account to reduce the debt. Is there any significance in being offered a discount? does it debar some other actions ?
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I suspected as much, so the watch word is not to put up details that these scumbags could use to identify you.
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Not there yet - about a year to go.
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Oh yes I was thinking of starting the next letter with. You are the Nth bunch of bottom feeding **** that have been passed this file and I am sick to death of receiving your pointless harassment. If you bunch of idiots want to waste hundreds of pounds chasing me through the courts on the faint chance of getting a judgement that then proves to be unenforceable because I have no money or assets of any kind then feel free to throw good money after bad and I will ensure you a good fight as I am now a practiced LiP and have plenty of time to research things to regail the judge with about your dirty little habits. any comments - I hope it is not too strong - well at least it contains no 4 letter Anglo Saxon words. BTW does any one know if the DCAs lurk here to spy on the advice given?
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Crossed with CitizenB I usually include all the previous DCA references in a long list But find it still takes half a dozen letters before they get the message. The one that usually breaks the chain is one where I say "bring it on you will never recover your costs" Sometimes I find a juicy but of legal news and tell them that I will be happy to bring it to the judges attention - such as Link getting done in the court in Mold a couple of years ago. That usually sends them scurrying for the long grass. However, this latest bunch of bottom feeders have gone quickly for a LbA. So I am rethinking my tactics. I was mainly concerned that I might have said something to a previous DCA that could have reset the clock, but if they rarely communicate then that is one less thing to worry about.
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I have been fighting an alleged debt with MBNA for 5 years now and have racked up 43 letters with 8 different DCAs. Now it seems the debt has been sold and I am getting sick and tired of telling these people I have no money, no assets and no prospects of ever having any money. I usually have to repeat myself half a dozen times before they go away and are replaced by the next bunch of bottom feeders and I have to go through the rigmarole again. The debt was originally for about £15k but it has steadily risen and is now £18K+ the latest LbA shows. I have read that if it were enforceable MBNA would have gone to court a long time ago for a sum such as this. All that any DCA has ever provided in an attempt to prove the debt is a copy of an application form going back to 1994. The Brig has seen it and says it is the standard combo application / agreement. Is there something intrinsically wrong with these agreements as this has been going on for years now. I ask about DCAs swapping info because if they did I would have thought they would have released after some 43 exchanges of letter they were flogging a dead horse! Any comments would be appreciated as I am beginning to run out of things to say to these people.
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we seem to be a cross purposes. the 16 digit number is my MBNA account. BUT I suspect it was written on the application form in 2012 NOT 1994. I am trying to muddy the waters by suggesting that the cannot tie the application to my account.
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I notice that the only tie in between the agreement and the account is the 16 digit number hand written on the top. It appears to be in the same hand writing as the word arrow, therefore I assume it to be contemporaneous with the sale to arrow last year. Is there any point in challenging someone to prove the agreement refers to the account by requiring production of a document contemporaneous with the setup of the agreement / account. Amd if so challenge who, Arrow or MBNA? Is there a boilerplate letter for such a challenge?
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Redacted credit agreement as requested Notes. 1. removed last 12 digits of card number, note this is in same handwriting as the word Arrow. 2. removed handwritten 8 digit number 3. removed 6 printed digits after N30 4. removed 2 digit number (in thick felt pen?) 5. removed 6 digit number (in thick felt pen?) 6 removed 7 printed digits after 01 7. removed 9 printed digits after M
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system will not allow attachments as I have insufficent posts. DUMMY POST to increase my count
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I will organize that tomorrow, are there any 'gotchas' I need to be aware of when trying to post an attachment on this forum. Size, type, location etc.
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I have been dredging through a ton of paperwork going back to 'DOT' and have found an original statement that tells me my last payment was April 08. I am a real horder of paperwork and it looks as though it has paid off. However, I have found another anomaly that may be a 'get out of jail free card' When I sent a previous DCA (working fro Arrow) a 'prove it letter', I was sent a photostat of a document I thought was proof. I am now not so sure having read another few hundred posts on here. The document is titled MBNA Mastercard Application form. Now I am certain this is the only document I signed, it is dated Sept '94. I think they are in trouble because the agreement is unenforceable if this is all they have - am I correct?
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Is it reasonable to ask the DCA for the date of the last payment, or MUST I go through a SAR to the OC. (trying to save the £10 fee) BTW, I tried to give you another star but the system says I must give it to others first, why, no one else has been anywhere near as helpful as you have been!
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What about since they were repealed? With regard to contacting the OC with a SAR, is this tantamount to an acknowledgement of the debt (which would reset the clock) Would it be OK to challenge the DCA to prove it was not statute barred by providing proof of the past payment. IS it reasonable to demand proof of who made the last payment, on the grounds that there is documentary evidence that some unscrupulous DCAs have made fraudulant payments in an attempt to keep a SB'd debt alive. I hope this is not too many questions for one post!
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@Brigadier2jcs thank you, most informative. If There are no criminal offense connected with CCA request what is the point of saying they have to respond in 12+2 days?
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In this case assuming that the debt is old and the last payment MAY have been more than 6 years ago. Is sending a letter to the DCA along the lines of the following worth anything. " ... as you have failed to supply proof of the last payment I shall assume that it is statute barred and expect a letter from you forthwith advising me that you have abandoned this attempt at resurrecting this alleged debt" Would it be sensible to include some phraseology regarding this is not an admission or acknowledgement of ownership of the debt, or heading the letter with Without Prejudice.
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Hi, I have been at this 'game' quite a while and understand most of the 'rules' I have been refusing Phone contact with these parasites for years and 'stole' a 'go away' letter from here last year. In this case it is Freds & Arrow. for an MBNA account. However, my request is generic about what must they supply to fulfill a CCA. I thought a SAR was different and cost £10 not £1. You say they have to respond in 12+2 days, what if they do not or the reply is incomplete. Have they comitted a criminal offence and can they be procecuted for that one offence or is it just another nail in the coffin IF trading standards of OFT decide to do something ( which I understand they do not do very often).
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Thanks for the welcome. Are you saying that when a DCA responds to a CCA the do NOT have to include any statements or the last recorded payment? This is a generic request so far, so no specific details of the aledged debt I am discussing with Freds & Arrow.
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Having lurked here for some time and I am currently discussing (by letter) an alleged debt with Arrow & Fredrickson I am interested in precisely what they must supply to comply with a CCA request. Do they have to supply statements going back to the beginning of the credit agreement? If not how far back - is the last issued statement sufficient. Must there be some documentary evidence of the last payment made? Do they have to prove who made that payment. ( I have read that some unscrupulous DCAs make payments to keep alive debts that would otherwise be Statute Barred). If the debt has been 'bought' do they have to provide anything other than a statement of fact. I believe the actual transfer deed showing the price paid is confidential but must they supply a copy of it (wuth the appropriate parts redacted) I hope this is not a too detailed request for a first post.
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