Letter from Mercantile Data Bureau (HELP NEEDED)

[nickformbristol]

Hi I can anyone help me, i have just received a recorded delivered letter from the above saying the following :

 

You have chosen to ignore my resent letter (which i did as i thought they were Phishing) This is disappointing as i wanted to give you opportunity to resolve this matter without the need for legal action.

 

On investigation, i have concluded that you are the owner of the above address property, title number etc. etc. copy of register enclosed.

Also, please find enclosed copy of agreement and further supporting documentation to confirm this is your dept.

I require you to contact me as a matter of urgency to discuss clearing this balance. Non contact will result in your file being passed to direct legal and collections litigation department to enforce a charging order on your property and also may entail a county court judgment with an attachment of earnings through your employer.

 

I will hold this file until etc.etc if no contact or payment has been made i will have no option but to instruct legal proceedings .

 

The docs they have enclosed are a Credit agreement and various different utilities bills.

 

I am really worried about this and don't know what my next move should be please can someone help!

[silverfox1961]

please find enclosed copy of agreement and further supporting documentation to confirm this is your dept.

 

Can you upload this document (minus personal details so that we can see if it is valid

 

Non contact will result in your file being passed to direct legal and collections litigation department to enforce a charging order on your property and also may entail a county court judgment with an attachment of earnings through your employer.

They cannot enforce a charging order without going to court first. That statement above is misleading

I will hold this file until etc.etc if no contact or payment has been made i will have no option but to instruct legal proceedings .

 

The docs they have enclosed are a Credit agreement and various different utilities bills.

 

I am really worried about this and don't know what my next move should be please can someone help!

 

 

have a look at this thread ( a few months old but relevant)

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/186281-mercantile-data-bureau-ltd.html

 

See if there is anything in there that could help

 

fox

[t-star]

Have a look at this thread we have been talking about MDB

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/236215-dlc-go-undercover.html

 

t-star

[hungrybear]

I take it the agreement and 'all supporting information' are compliant?

 

and as foxy says:

'Non contact will result in your file being passed to direct legal and collections litigation department to enforce a charging order on your property and also may entail a county court judgment with an attachment of earnings through your employer.'

 

is utter nonsense

[nickformbristol]

Yes all doc's seam to be compliant albeit photocopies, i am unsure if the credit agreement should be genuine to be vaild.

 

What can they do to me, cos i am ****ting myself i don't want charging orders on my house.

[palomino]

Have you heard from any creditors that MDB are acting on their behalf? In other words do they have the authority to take the actions they taking and threatening?

If you haven't heard of them or from them then I would tackle this issue first. You will have to do this on a creditor basis.

 

 

Sound like nice people ... perhaps I'll get to meet them one day ...

[angry cat]

Mercantile Data Bureau is part of the FACCENDA GROUP.

 

Other companies in the group are Hillesden Securities, Direct Legal & Collections (DLC) etc

 

The Faccenda Group are poultry farmers!

 

However, clearly there is much more money to be made out of harassing consumers, than being chicken pluckers!

[angry cat]

Event Details

Licence Details:

Licence/Application Number Licence Status Applicant/Holder Name

0545676 Current Mercantile Data Bureau Limited

 

Event Details:

Event Number Event Type Date of Receipt Closed Date Status

2 Variation 22-Aug-2008 04-Nov-2008 Completed

 

Licence Event Details:

Address Type Address Action

Principal Place Of Business Direct Legal & Collections, Buckingham Road, Brackley, Northamptonshire, NN13 7DN Added / Retained

Registered Office Direct Legal & Collections, Buckingham Road, Brackley, Northamptonshire, NN13 7DN, United Kingdom Added / Retained

 

Categories:

Category Action

Credit reference agency Removed

Debt adjusting/counselling Removed

Debt administration Added

[nickformbristol]

I am reading this correctly, i should just see what happens with the next letter if there is a next letter, the first contact they had with me was 19th August 2009, i ignored this thinking they were Phishing, now get this threatening letter with all the enclosed doc's to scare the **** out of me.

I don't want to get a charging order or CCJ against me, i definately don't want anyone knocking on my door, i have a young family and would not put them through it.

[hungrybear]

Mercantile Data Bureau is part of the FACCENDA GROUP.

 

Other companies in the group are Hillesden Securities, Direct Legal & Collections (DLC) etc

 

The Faccenda Group are poultry farmers!

 

However, clearly there is much more money to be made out of harassing consumers, than being chicken pluckers!

I'm not a chicken plucker I'm a chicken plucker's son and I'm only plucking chickens 'til the chicken plucker comes.

 

Or was it pheasants? I'm not a pleasant... yes that's it pheasants:D

[Seminole]

You say they enclosed utilities bills. Do you mean gas/ electricity bills for your address????

[hungrybear]

I am reading this correctly, i should just see what happens with the next letter if there is a next letter, the first contact they had with me was 19th August 2009, i ignored this thinking they were Phishing, now get this threatening letter with all the enclosed doc's to scare the **** out of me.

I don't want to get a charging order or CCJ against me, i definately don't want anyone knocking on my door, i have a young family and would not put them through it.

 

 

Can you explain the bit in the 1st post about utility bills, it went over my head.

 

What type of debt is it? and exactly what are the documents they sent

[nickformbristol]

yes just utility bills.

 

Hi Angry Cat what does your thread mean, are they not licienced?

[Seminole]

yes just utility bills.

 

Hi Angry Cat what does your thread mean, are they not licienced?

 

Sorry to labour the point but were these originals or copies? Does the alleged debt have anything to do with these bills?

[nickformbristol]

They first contacted me 19th August saying, your owe a dept and we are conducting back ground searches to see if you own your house etc.

This is the first i heard from them, the dept was taken out when i was living in a property in 2005, i have moved many times since and this is the first time anyone has contacted me.

 

In this letter i got today by recorded post, they enclosed a land registy doc, showing i own the house, a credit agreement (Photocopy) and some utility bills which i sent in when the original loaners (Abbey) wanted them.

[nickformbristol]

All doc's were photocopies and the utility bills have nothing to do with the dept

[Little Mermaid]

Hi Nick

 

You will need to find out what authority they have to chase you for the debt. Did you receive a Notice of Assignment from the original creditor?

[hungrybear]

All doc's were photocopies and the utility bills have nothing to do with the dept

 

 

Nick what type of debt was it - credit card, loan etc

 

and approx how much

[nickformbristol]

It was a loan and the dept is about 13 K

[ashmk]

You really need to scan and post this agreement you have been sent so we can check it out. Blank out your personal details.

 

As for the utility bills.... They have just included them to scare the crap out of you. They mean nothing and they just got them in the package when they got assigned the debt. So ignor the whole we have been tracing you/spying on you bulls**t.

 

This will all rest on the enforcability of the agreement and if we cannot see it then its hard for us to help. if you cannot scan it then use the forum search to see if there is the same paperwork posted by someone else on another thread and link it to us but we really need to see the agreement to see where you stand.

[Seminole]

Phew, I was worried about where they got those bills from.

 

Can you scan and upload the credit agreement (deleting any personal information). We need to see that it is a) an agreement regulated under the Consumer Credit Act and b) that it contains all of the required information.

[hungrybear]

Oh and any idiot can search the land registry - it's not exactly MI5, it's a public database. Just stay calm and scan up the agreement.

 

Dont suppose there was a 87(1) Default Notice was there?

 

And does the info explicitly state who owns the debt

[sosumi]

As has already been said, you need to scan the 'agreement' and post it on here (minus your personal details).

Mercantile Data Bureau are DLC and Hillesden.

[sosumi]

My thread from July 2007:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/106969-dlc-big-problem-long.html#post1027300

They use the 'Land Registry search' as a way of scaring you half to death.

[angry cat]

yes just utility bills.

 

Hi Angry Cat what does your thread mean, are they not licienced?

 

Hi Nick!

 

They are licenced for debt collection but they are no longer licenced as a credit reference agency:

 

 

 

CCA Search :: CCA Search Results :: Licence Details

 

 

Application / Licence Details

Licence Number:0545676Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Mercantile Data Bureau Limited 1829604

 

Categories:

Consumer credit

Credit brokerage

Debt administration

Debt collecting

 

Right To Canvass Off Trade Premises:No

Trading Name(s) (Current):

MDB

Mercantile Data Bureau

 

Issued Date: 16-Nov-2003 Date Maintenance Payment Due: 15-Nov-2013

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

Robin Michael Faccenda

Susan Faccenda

 

Nature of Business:

Debt Adjusting

Other

 

Current Address(es):

Address Type Address

Principal Place Of Business Buckingham Road, BRACKLEY, Northamptonshire, NN13 7DN

Registered Office C/o Faccenda Group, Willow Road, BRACKLEY, Northamptonshire, NN13 7EX, UK

 

Historic Address(es):

Address Type Address

Principal Place Of Business ., Buckingham Road, Brackley, Northamptonshire, NN13 7DN

Registered Office ., Willow Road, Brackley, Northamptonshire, NN13 7EX

Registered Office ., Willow Road, Brackley, Northanptonshire, NN13 7EX