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    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
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    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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Idem Servicing Full and Final Settlement old MBNA card


anm72
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its a shame you didn't research? all about a DMP first

 

as you prob could have saved yourself a lot of money

by questioning all the agreements before you arranged payment

 

and p'haps quite a bit of money on these settlements

that effectively might have only been listed as a partially settlement of the debts anyway

 

opening you up to being chased for the rest at some point.

 

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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Call me naive but I didn't challenge debts as I knew exactly what they were and they were all with original creditors,

 

I was surprised they settled for as low as I was expecting to pay considerably more than I have.

 

The only issue I have is with a debt sold on which I would have thought would have been easier to settle.

 

Are you telling me they will still try and get more money back after settling

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it will probably be to your advantage that the debts were all settled with the original creditors

and if you have? letters to the effect from them

even if they say you credit file [if the debt still shows]

will be marked partial settlement {PS]

 

 

if they did sell it on

[quite probable]

those letters should be a get out of jail free letter.

 

 

as you say.its rare for OC's to settle low

so i expect, even after what PPI you got back

the balances might have been loaded with reclaimable PENALTY charges.

 

 

as for idem

 

 

CCA request is a must.

 

 

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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idem only know one tune and that is to continually ask for an I&E before they even try to talk any sense, in the end I refused to talk to them and just upped my payments and got shot of them that way, hope you have better luck

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Hi I need help with a cca.

 

 

i had a debt with mbna now bought out by idem

 

 

i have tried to settle this without success and can no longer afford monthly payments.

 

 

Is there a template to send to request the cca for credit card debt.

 

 

This debt does appear on my credit file showing as arranged payment from 2010 to 2012 then up to date since idem took over.

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two threads merged

 

 

please keep to one thread per debt

 

 

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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click the link bottom of post 29

 

 

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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Share on other sites

  • 2 weeks later...

i sent the cca on 8th october which i have a signed for receipt on 10th october

 

 

how long do i have to wait before i take the next step

 

 

and what is the correct next step to take.

 

 

I have heard nothing so far which is pretty much what i was expecting.

 

 

Thanks in advance for your help

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i sent the cca on 8th october which i have a signed for receipt on 10th october how long do i have to wait before i take the next step and what is the correct next step to take. I have heard nothing so far which is pretty much what i was expecting. Thanks in advance for your help

The time scale for a CCA request is 12+2 Working Days from the date on the request.

If they have not complied then it may indicate no CCA exists, without the CCA enforcement via the courts cannot take place.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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until/unless they send an enforceable agreement

stop any payments and ignore them.

 

 

only do not ignore an SD/CCJ claim

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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statutory demand

 

 

ccj

 

 

both ere court stuff you do not ignore

 

 

use our search top right

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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  • 3 weeks later...

today i have received a statement from idem telling me my account is now 2 months in arrears

and to make immediate payment,

 

 

yet they have not responded to my request for the cca do i just ignore them ?

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yep

 

 

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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  • 3 weeks later...

just to give more information on what i have recieved it is the application that was sent to me through the post for me to complete and send back with the conditions of use and the credit card agreement regulated by the consumer credit act 1974. the only signatures are mine on the application form which was dated 10/5/95

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scan it all up please

 

 

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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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Hopefully attached to this post i have noticed 1 interesting thing on the credit card agreement page 3 the address is my current address not the address i took the agreement out on.

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copy n paste jobbie then

not enforceable

 

 

I see this was a west ham card

 

 

and you got buttonholed by a sales advisor

 

 

that ticked the PPI box

and got the commission for selling the PPI

 

 

have you reclaimed that yet?

 

 

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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ah yes i see you got the PPI back

 

 

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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you could sent the failure to comply letter

but don't tell them WHAT is wrong.

 

 

is this on your credit 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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