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IDEM Servicing MBNA debt - being total idiots


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usual story,

 

MBNA debt sold to these clowns, who assumed that our agreement with MBNA to pay £24 a month meant that they would get the same,

not a cat in hells chance,

 

came into some money

offered a F&F but they wanted an I&E (fat Chance),

 

we offered £10 a month,

 

they still insist that they cant accept any offer without an I&E,

 

we set up a standing order anyway and have been paying that,

 

They have now come back and Threatened to pass this on to a debt collector (arden)

 

This is like a red rag to a bull

 

raised an official complaint about the fool who has been "Dealing" with us.

 

they also threatened to default the account,

 

but I am 99% sure that MBNA have already done that which I have informed these fools of.

 

Now I am not at a total loss as how to deal with these idiots but,

quite frankly they are really getting on my nerves. so any advice / thoughts would be nice to receive.

 

another thing I have now cancelled the standing order so they can take a running jump,

until someone with a bit more common sense that the fool I have had the misfortune to deal with is replaced.

 

rant over

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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who owns the debt on your cra file?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I had dealings with these people too. I found that sternly worded letters, telling them exactly what I would be prepared to do quietened them down. They know their demands are pretty much unenforceable.

Even received an apology and £50 compensation from them for harassment.

 

IDEM Credit Servicing are a DCA, Arden are simply one of their collection teams. You're completely right about the I&E - when I was asked for one, I simply refused and pointed out in writing that only a judge can order me to provide one.

 

Best of luck with them!

 

H. x

Edited by citizenB

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Hi Halibut, tried this but the joker who is dealing with this debt is a right pillock, who can only spout the same drivel in every letter, so I have made an official complaint against them and told idem I will not deal with them until they put someone with a bit of common sense in charge.

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I would write to him and say thank-you for bring this to my attention I have reassessed my income and expenditure and now find that I am only able to pay you £5 a month then just keep paying that and ignore any letters unless they go to court.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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  • 3 months later...

now defaulted the debt and gave me 5 days to repay, letter took 6 days to get here, idiots

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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what a DN?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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nope issued a DN about 3 weeks ago, this is a termination notice

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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is the DN compliant?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Yep, not got an issue with it, not got an issue paying this back, just don't like their attitude and their demands for an I&E so told em to go f*ck themselves and they will get £10 a month, which they have been getting for the past 6 months

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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had the same problem with Tesco this time, have been paying them for four years have managed to raise it from £1.00 to £5.00 over that time, this time they kept saying I need to fill in there IE, BOY they did not give up, kept saying they would take me to court so in the end done me simple one £ income £ outgoings money left over this is what your getting. There IE form is so personal, with questions like why did you get into debt, partners income if your sick send in sick note ( bunch of jokers ) so my three line IE is all there getting. Will see what they say.

[sIGPIC][/sIGPIC]Happyhippy1959

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there is more of a leaning toward at some point an I+e or common financial statement should have been done

by the time it gets to court

and some judges are rather annoyed its not been done by the debtor when/if it gets to them

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Have you seen idems I&E,

 

its a joke - how much do you spend on chocolate etc,

 

they seem to think because I had an agreement with MBNA for £24 a month that that applied to them

 

I came into some money and offered a full and final which is when they went overboard with the whole I&E thing,

 

told them to show me the legislation they were relying on that allowed them to demand this info,

but of course they could not so told them to take a hike,

and would carry on the £24 a month,

but they then said that they still needed the I&E

 

told them that I had filled it out and realised that I could only afford £10 a month,

so thanks for making me fil it in,

but you still aint getting the info

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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ever looked at PPI/penalties

 

wonder why MBNA sold it?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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