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shikyra

Mercantile Data Bureau Ltd old egg debt

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Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading debt collectionlink3.gif Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

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This letter sounds Harsh considering i Know the Debt's mine and i'm willing to pay but i understand that they have to prove it..

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This letter sounds Harsh
Treat 'em rough & tell them nowt! ;)

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I am afraid you have to be harsh or they will screw you for money they are not entitled to.

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having been in dispute with dlc since january 09 and still waiting for them to produce my cca and having hillesden send me the "we will contact you in 21 days" letters. now its mdb i have had the first two letters " we are managing this account on behalf of dlc" and "we are disappointed you have not contacted us" now the final settlement with 50 per cent reduction offer, I will be ignoring this one aswell.

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Hillesden/DLC and MDB are one and the same and you are right to completely ignore them. Tony Locke will send letter after letter but more fool him for wasting their money.

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now its mdb i have had the first two letters " we are managing this account on behalf of dlc" and "we are disappointed you have not contacted us" now the final settlement with 50 per cent reduction offer, I will be ignoring this one aswell.

 

I Recieved same letter from MDB. I Sent them a Prove it letter :D

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No thankfully i haven't heard anything since June last year, Calm before the storm maybe

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This is a [problem] !!!!! Do not ring them and do NOT give your details !!!

I just spoke to Santander that holds my car finance and they said it was a [problem] ! They adviced me to fax this info thrue to them and then contact the police !

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???????


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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No thankfully i haven't heard anything since June last year, Calm before the storm maybe

 

what else did you expect?

 

as soon as anyone offers a 'discount'

ti means they are getting despartate to get any money before you realise they are spoofing you

 

always check your cra file

 

dx


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having been in dispute with dlc since january 09 and still waiting for them to produce my cca and having hillesden send me the "we will contact you in 21 days" letters. now its mdb i have had the first two letters " we are managing this account on behalf of dlc" and "we are disappointed you have not contacted us" now the final settlement with 50 per cent reduction offer, I will be ignoring this one aswell.

 

 

I found this thread useful as I am in the same situation - just received second letter from MDB!

 

It really helped the fact that they are sending the headed paper as MBD - totaly different postal address and using DLC printed envelopes!


Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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