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I will get phone out and threaten 101.

 

And does anyone know how long the bother for or what Idem might do next (aside from Resolvecall)? Apologies if this has been answered, I don't think it has......

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Yea film him too!!

I think idem would have done something years ago if they thought they could...


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We have had 2 letters from Resolve call to say that they're going to pay a visit (deep joy).

Could be any day now.

 

Does anyone have any experience of them calling?

Am I likely to get a scary bloke turning up in the evening?

Do they come in working hours?

Do they come back if we're not in?

 

Or should I start a Resolve Call thread for help?

 

Whilst I know they're 'only' DCA and can't come in or take anything/threaten us,

I am pretty scared as I am at home with 2 kids a lot on my own.

 

Ta.

Edited by dx100uk
spacing

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Resolve (Snot call oops old Scotcall) lolThey have no powers, they are only commission agents, if they turn up tell them to leave and shut the door on them, do not get into conference with them, any problem with a caller tell them the police will be called and shut the door . they are most likely to be afraid that you may boot them ?? maybe not lol

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already answered in post 269


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Well no, not really answered my questions.

 

Whether they have power or not (I know they don't), I am worried about the doorbell ringing, so I asked:

 

Does anyone have any experience of them calling?

Am I likely to get a scary bloke turning up in the evening?

Do they come in working hours?

Do they come back if we're not in?

When/if I speak to them and tell them to leave, will they come back?

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yes to all the questions

bar the last one which is no.

 

stop panicking .... zero power to do anything

Edited by Andyorch
Edited

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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So an update, and I must admit I am getting a bit worried now.

 

For my 2 DFd Idem/MBNA accounts, I get automated Resolvecall phone calls which I ignore. Someone did call out and they left a card. Nothing else. Automated calls carry on, but not daily.

 

But for my husband's 1 DFd Idem/MBNA account he doesn't get the phone calls (I assume they have no number for him) but a large A4 letter arrived from Idem, to let him know that they are passing his details to their litigation department (I haven't had this). They have enclosed the previous 2 years statements (they bought the debt in December 2016) and a 'pre-action information sheet'. They are asking him to complete an income and expenditure sheet. They say (and this is what worries me) that is they don't hear from him within 30 days, they will look to take further action. They then may:

 

* Obtain an attachment/arrestment of earnings order

* Obtain a charging order against your property

* CCJ

 

They say we have to do this to avoid court action. Having looked on this forum, I can see that Idem DO take court action so I am pretty worried now.

Looking on another site, there's a letter which people have been advised to send back, which demands that they prove that the debt is unenforceable.

 

Why does my husband have this and not me??

 

HELP PLEASE!!!

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Is it titled pre action protocol.. letter of claim..with a response pack inc?


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

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look like their version of a pre action protocol letter.

have you something like the attachment here too?

 

reply form PAP.pdf


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Then click the blue link above in my post

and follow the last post


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Do you have your husbands CCA ...or not?

 

As for Resolvacall - I had them call the other day - nice chap - told him to send it back to Idem as its 'unenforceable' ! 

He said "when did you speak to them" - I said "I haven't ...its ALL IN WRITING".  He tried frantically to phone Idem but then couldnt get on the internet with his works phone to find the password they required as he was speaking to them.    He left rather red faced and sloped a card in my hand.  I followed this up with a 'ACCOUNT REMAINS IN DISPUTE UNTIL YOU FIND THE CCA I AM STILL WAITING FOR'   letter to Idem, stating their harrassment dates / & harrassing Resolvacall visit/card.   

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pointless letter tennis

you shouldn't speak to powerless DCA's either!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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6 hours ago, blondiegirl said:

The post from 15th October 2017? So they're taking it further then?? :-(

 

Also, what reasons do I add in? Why am I disputing it?

doesn't really mean anything.

with me dribbling over almost 300 posts

did we ever CCA them?

if so when 

and what did we conclude?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Screenshot_20190414-190654_Photos.jpg

 

It is clearer on the paper copy and can be read. Then copies of the T&Cs which they say would have been sent were also sent.

 

Yes I CCA'd them and pretty sure I uploaded it.

 

I will upload again.

 

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cant zoom pix

pdf it pleaseor find it in the thread here.

or I might find it later


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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from what I remember, the cca replies were illegible
Still waiting for a reply to post no 232
This could have been resolved by now


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Both of my CCAs were pretty much illegible.

 

My husband's form is quite clear though, but it was a simple 2 page form, which refers to lots of T&Cs. The actual T&Cs that accompanied the CCA was a photocopy of what would have been their standard T&Cs at the time apparently - not necessarily the exact ones he would have seen.

 

I have now had the same PAP letter for my 2 accounts saying that they're referring my accounts to their litigation department so all 3 accounts now passed to their litigation department. 

 

So 3 PAPs to complete. I have the CCAs so there's no point in asking for that again is there?

But in box D, what do I write as to why I'm disputing it? I will get these sent back to them over the next few days.

 

Re. post 232, if I had all the time in the World and a scanner I could have uploaded these docs. However, I will have to buy a scanner to scan the hundreds of pages, but I will. I will do this as soon as I possibly can. 

Thanks for the help.

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Reasons for dispute
Yourself, Illegible returns to your s78 requests, invalid default 

Husband, incomplete return to his s78 request, invalid default 

Request ALL documents, including required,necessary default notices
from the Original Creditor

Let them chew over that


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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On 14/04/2019 at 19:20, dx100uk said:

cant zoom pix

pdf it pleaseor find it in the thread here.

or I might find it later

 

Click the image twice you can zoom in DX


We could do with some help from you.

 

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    Donate button Give something back to the Consumer Action Group   

 

If you want advice on your thread please PM me a link to your thread

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which doesn't make the text any bigger...……………….

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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