Michaelangelo's thread

[Michelangelo48]

I Have read on the site that even when Arden were sent an Account In Dispute Letter they still called repeatedly and ignored the dispute! M

[mikey130]

Hi m, I recorded delivery door step letter and they wrote acknowledgeing, that communication was written only from then on, your dispute letter can go on 28th which is 12 plus 3 days its days not working days that you count, recorded dely the indispute letter use rhe 1 in the cag library they then can not harrass you in any way untill they sort out your dispute, remember you can print off proof of dely from the post office web site the day after posting do that and keep as evidence you need the reference num from post office slip to do this.

mikey

[mikey130]

if they send some one to door just say " I only communicate with them in writing" and then shut the door end off.

Mikey

[Michelangelo48]

Hi Dafodholly, The site has removed your link and I have therefore lost the link for the doorstep letter! I would really appreciate it if you would you repost it please! sorry to be a pain again.! M

Edited May 18, 2012 by Michelangelo48

[dadofholly]

They wont visit - and if they do give them the doorstep letter - the original link is still there.

[dadofholly]

I Have read on the site that even when Arden were sent an Account In Dispute Letter they still called repeatedly and ignored the dispute! M

 

Cross each bridge as you come to it - this has not happened yet - and probably won't.

 

Send the letters - wait for them to kick in - until then ignore them.

[Michelangelo48]

Hi DH just received std holding letter! No response to CCA Requests for the 2 accounts! Should I issue the Account in Dispute Letter!

[dadofholly]

Hi DH just received std holding letter! No response to CCA Requests for the 2 accounts! Should I issue the Account in Dispute Letter!

 

Yes - send the dispute letter as they have failed to comply with their legal obligations under the CCA.

[Michelangelo48]

What if the creditor tries to state a verbal agreement was reached over the telephone to take out a credit card. Idem sent me a letter in early Sept stating they were enclosing a CCA.However they failed to enclose a copy of the Agreement, I wrote back enclosing anAccount in dispute letter. Iden wrote back saying they need to talk to me and discuss the AID letter. Ii am still receiving phone calls from them, 3 times a day, despite the account being in dispute as they have not complied with the CCA request.

[Michelangelo48]

The argeements were only requested at the start at the start of October! So how could Idem have encloswed them in their letter dated early Sept!Very fishy indeed!

[Michelangelo48]

Could I have some urgent assistance from the Site Team ,Citizen B, Dx100, Dadof holly, Andyorch.

 

I have received what looks to be a reconstituted copy of the Agreement on one my "Accounts".

 

However, the account was split into Two separate Accounts in 2005, as my credit limit was breached which necessitated splitting the single account into two new accounts by MBNA. They rang me to force me to accept the 2 new Accounts in early 2005.

 

This was all agreed over the phone and nothing was ever put in writing and no CCAs,were ever sent to me for the two new Accounts. Is the single recon agreement, eg A Single A4 sheet or part of an agreement, which has what looks to be my signature with a date on one side of the photocopy and a credit limit and barcode on the other side of the A4 sheet- with a list of additional Terms and conditions of Contract stapled and appended to th photocopy.

 

No original signed agreements for the two new Accounts were enclosed in the letter- both new accounts were agreed over the phone nothing was ever put in writing and no CCAs were Ever received.

 

The two Accounts were given to Idem Servicing in March this year. Idem also request in the letter received this afternoon that I contact their Servicing Team to make "a mutally acceptable payment arrangement. Failure to do so will result in your accounts being passed back to our Collections Team for review ".

 

I would really appreciate some advice if possible. Thank for all previous help and advice. Ma

Edited October 27, 2012 by honeybee13
Putting in some spacing for easier reading.

[citizenB]

Is there any way you can scan this in for us to look at ?

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

After they split the account into two - did you start receiving separate statements for each account - did each account have a separate reference ?

 

[AndyOrch]

Subbed to thread.

 

Regards

 

Andy

[Michelangelo48]

Hi Cit, Dx, Andy, I dont have access to a scanner, but it looks like a Recon Agreement, it looks to be signed by me in the signature box also has the date as mid 2012 in'my writing- appended to this document in a different script or bigger type face of a different type ,Obviously added T and C's. Yes they did split the account into two sep accounts, with different ref and account nos, They forced me to accept this over the phone, as the credit limts was going to be breached, or so they said. Should I have been forced to accept 2 new accounts. I read that Credit is a key term, and if they cannot meet it, then there is a breach under S127 of the CC Act 1974?

[AndyOrch]

If its got your sig on Michel then its not a reconstituted.Have you a digital camera?

 

Andy

[Michelangelo48]

Hi Andy, It does have my sig, on the one account sent. I asked for a CCA on both accounts. I am not keen for my initals, name to appear on the forum as I know Idem probably read the site! These people keep ringing to harass us despite my sending the anti harassment letter four months ago! There have been considerable penalty charges and fee and interet on the two accounts over the years, which would have meant the default sum would have been wrong- and therefore both accounts may be unenforceable- if I am reading the info on thiis site properly. In early 201e, I only got one NOD from the OC, and no OFT Fact sheet, and no NoD and fact sheet from the other Account! I clearly need to check my CRA file and asap, or immediately!

[Michelangelo48]

Hi Andy, It does have my sig, on the one account sent. I asked for a CCA on both accounts. I am not keen for my initals, name to appear on the forum as I know Idem probably read the site! These people keep ringing to harass us despite my sending the anti harassment letter four months ago! There have been considerable penalty charges and fee and interet on the two accounts over the years, which would have meant the default sum would have been wrong- and therefore both accounts may be unenforceable- if I am reading the info on thiis site properly. In early 2012, I only got one NOD from the OC, and no OFT Fact sheet or debt, and no NoD and fact sheet from the other Account! I clearly need to check my CRA file and asap, or immediately!

[dadofholly]

really need to see the agreement. place a piece of paper over personal details and then take photo.

[Michelangelo48]

I Have had a threatening letter from Arden, as many others have had on this site! threatening legal action and or a CCJ, a charging order or Attachment of earnings! I have been unemployed for four years so gôd luck with that! Should I consult a solicitor. I neéd to post up the Agréement as sent on one açcount! I néed to get a SAR off to MBNA asap which will show .Should I send your dôrstep letter? There are significant fées and charges which are unenforceable açording to what I have read on your site! Should I compose a letter to Arden to try and counteract their Threat_o_gram! They have also threatened to send somebody to my door. This has reallly upset me

[Old Cogger]

Use the attached on the childish DCA.