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    • I have completed answers as noted above.   Name of the Claimant ?  IDEM Capital Securities Limited Date of issue – 12 Nov 2019   What is the claim for – the reason they have issued the claim? a)      A credit card agreement made between MBNA Europe Bank Limited and the cardholder b)     Claimant purchased the balance on the account on xx/2016 c)      Cardholder accrued balance £5500 d)     Cardholder defaulted on payments e)      Claimant issued formal demand requesting payment on xx/2019 f)       Amount now due £ 5500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? n/a What is the total value of the claim? £6000 (now including fees) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Credit Card Do you recall how you entered into the agreement...On line /In branch/By post ? By post When did you enter into the original agreement before or after April 2007 ? July 1995 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment?  Yes Did you receive a Default Notice from the original creditor?  Yes -though I am unable to find a copy Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?  Unsure Why did you cease payments? Advised to as there was no enforceable CCA What was the date of your last payment? Feb 2019 Was there a dispute with the original creditor that remains unresolved?  Unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  Originally informed MBNA that we were in difficulty and arranged a payment plan with them, they later sold the debt to Britannia Sarl (?) and we continued with the same payments, this was then sold to Moorcroft and we again continued the same payments. At some point later we contacted Moorcroft to advise our circumstances had changed and we offered a lower payment.  We were asked for income and expenses which we didn’t provide as we had contacted a debt help organisation who helped us work out what we could afford, however we did receive a letter on another debt at the same time accepting a lower payment (the circumstances were exactly the same – MBNA debt, sold to Britannia, sold onto Moorcroft) We continued with the lower payments.  In the last year we discovered that all our other debts were no longer showing on our credit files but this one was showing as continual defaults month on month. We contacted IDEM to ask why and they said the previous DCA hadn’t agreed to the lower payment and therefore we were continuing to default. At this point I sought advice from CAG and they advised me to ask for the CCA. I received a photocopy of the original application form and a page of Terms and Conditions that I was advised by CAG were not a CCA and I should stop paying.   I further received a pre-action protocol which I completed and returned and in response I received a notice of assignment, account statement and default notice  as I had requested, but they ignored the fact that I said they had provided an unenforceable CCA.
    • Just to update no reply from Marston regarding letter no further visit as yet.    
    • said that many times already.   time to move on me thinks   dx
    • With regards to this county court claim by Lowell...my response was none... you asked what effect would BT not responding to SAR request have on this court claim...none.   If you wish to instigate court action against BT for none compliance to your request that is an entirely separate issue which is unconnected to this claim. If you cant get any information from BT with regards documentation then its a pretty good bet neither can Lowell to support their claim...but it does not stop you inferring to a dispute with the original owner of the debt as to why the debt shouldn't have been assigned and why the CCJ should be set a side. 
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Letter from DWP, Compliance department

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Hi, I'm on UC, the non-full service one. I'm single and living by myself.

 

Received a letter 5 days ago from the DWP, Local Service Compliance department. It has FESL2Tv2 at the bottom right. It says:

 

We're reviewing your benefits and circumstances. You must come to an office interview. We need to talk to you about some changes that may affect your benefit payments.

I'm latching on the fact it says "about some changes" rather than saying "about any changes". This seems to suggest they're referring to some definite changes they know about? Unless it's just poorly worded.

 

Obviously there's some major changes happening due to the transition over the next 5 months from gateway UC to the full UC (the full version of UC will be implemented by September). Might it be about this? Or is it the wrong department?

 

Alternatively, perhaps it is badly worded and they're checking out any possible changes in my personal circumstances. One possibility is that I do voluntary work at a charity shop. I'm not sure if my work coach put it down as official or not.

 

Or maybe it's just a random interview? It's not under caution. But I do have to take in various identification and my latest bank statement. Appreciate any thoughts.

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It is a fairly routine sort of thing. Nothing to get worried about. The DWP regularly send out poorly worded letters that have the unintentional effect of generating anxiety in the recipient.


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No... you can't eat my brain just yet. I need it a little while longer.

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Yes, saying "about some changes" rather than "about any changes" is kinda more worrying.

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It is a fairly routine sort of thing. Nothing to get worried about. The DWP regularly send out poorly worded letters that have the unintentional effect of generating anxiety in the recipient.

You had me all the way until unintentional, but then diplomacy has never been my strong point :)

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Just had a thought. Looking at my latest bank statement there's a £300 credit paid in by my parents in January (a combined xmas and birthday present). Could they know and want to question me about that?

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It is unlikely that the compliance team would know about any deposits in your bank account. It shouldn't be of interest unless it took you over the £6,000 savings threshold.


PLEASE HELP US TO KEEP THIS SITE RUNNING

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No... you can't eat my brain just yet. I need it a little while longer.

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There's a tel number on the letter. When I ring it, I simply hear a pre-recorded message saying to leave a message, but only if I want to change the time/date of the interview.

 

Is it not possible to speak to someone who can tell me what the interview is about? Googling around it seems no-one else is experiencing any such difficulty. What does this imply?

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Hello there.

 

I suspect that a lot of people are experiencing the same thing. All we can tell you is what we've seen on the forum time after time. I know it isn't easy if you have anxiety issues.

 

HB


Illegitimi non carborundum

 

 

 

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This is pretty standard and you have nothing to worry about as long as the circumstances you have declared on your claim are correct. Have you kept them up to date of all changes in your circumstances since you started the claim?

 

A compliance interview could be for any number of reasons ranging from an internal data mismatch to suspected fraud. You won't be informed of what it's about until the interview because of this.

 

If you have no idea what this is about then it will probably turn out to be something simple and is nothing to worry about - if something does come up that you aren't expecting just be honest with the interviewer.

 

They shouldn't have any interest in a £300 gift from your parents or have been able to know about it anyway - so I doubt it's that.

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They've left a telephone number on the letter that is repeated several times. They specifically state to ring this number for advice if you're unsure what documents to bring. I need to communicate with them about what constitutes proof of identity, what changes have occurred, and a couple of other issues.

 

On ringing up there's merely a recorded message stating only to leave a message if the caller wishes to change the time/date of the interview. I left a message anyway. They haven't rang back!

 

Does their sheer incompetence admit of no limits?

 

I am intrigued to find out what they know about my life that I do not know myself...

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They've left a telephone number on the letter that is repeated several times. They specifically state to ring this number for advice if you're unsure what documents to bring. I need to communicate with them about what constitutes proof of identity, what changes have occurred, and a couple of other issues.

 

On ringing up there's merely a recorded message stating only to leave a message if the caller wishes to change the time/date of the interview. I left a message anyway. They haven't rang back!

 

Does their sheer incompetence admit of no limits?

 

I am intrigued to find out what they know about my life that I do not know myself...

 

That will be what the interview is for. To discuss what ever issue if any has arisen or to review the claim as per the wording of the letter.

 

As for ID driving licence, passport, utility bill, council tax bill, bank card, bank statement etc the list goes on but anything generally that has you're name and address on it.

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It might be helpful to read my previous post!

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But why not simply specify what the change is in the letter?? If they know about some change, what the heck is there to discuss??

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It might be helpful to read my previous post!

 

I can't see what you think people haven't been reading, and you aren't quoting posts, so I don't know which post / poster you are referring to.

 

But why not simply specify what the change is in the letter?? If they know about some change, what the heck is there to discuss??

 

 

This has been addressed by previous respondents. They may not know about a change, but there might be the suggestion of a change from data matching.

If there is no change, you are fine. If there has been a change, but there is an honest explanation for it, you are fine.

The only way there can be an issue, is if there has been a change, and someone isn't honest about it when questioned. For this reason they don't suggest what it is they are looking at in the letter, as:

a) honest people who are upfront when questioned are fine, and

b) anyone less than honest can't start to construct a false defence in advance .....

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//we need to talk to you about some changes//

 

This is a defitive assertion that changes have occurred. If it is possible that no changes have occurred, then they are lying.

 

So either

 

a) They are lying

b) They know more about my life than I do myself

c) The changes they refer to are not regarding my personal circumstances.

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//we need to talk to you about some changes//

 

This is a defitive assertion that changes have occurred. If it is possible that no changes have occurred, then they are lying.

 

So either

 

a) They are lying

b) They know more about my life than I do myself

c) The changes they refer to are not regarding my personal circumstances.

 

This is why they (DWP) have a complaints procedure, granted it's as much use as indicators on a submarine, but you involve your local MP also, remind them of the continued persecution and democide of the sick and disabled in the country.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Right, OK. I'll know in a week's time anyway what it's about. I shall update a week today to let people know what happened. Might be useful for people googling this same letter.

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Best to wait until after the interview before deciding whether to complain or not.

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The interview is tomorrow. I left her a message around a week ago on her phone asking about the documents I need to bring. She rang up this morning while I was at the shop and left a message. I note she said I need bank statements (in the plural). I can only find my most recent one, and that covers the period from the 8th Nov 2017, to 14th Feb 2018. All the older one's I'll have thrown out. Will this suffice?

 

Maybe at the jobcentre I could access my online bank account from there and show her?

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Hmmm . .even online I note I can only access the previous 6 months of transactions. If she wants further back then I'm screwed.

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Hmmm . .even online I note I can only access the previous 6 months of transactions. If she wants further back then I'm screwed.

 

If the clown didn't stipulate EXACTLY how many statements to take then take what you have, and I wouldn't lose a wink of sleep over it.

 

However, three months is the usual that anyone asks for, so just take three months worth, IF YOU HAVE them.

 

And 'reframe' your statement, if they want more than six months worth, (which they won't) then it is they who are screwed, not you!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I've come back from the interview. Someone had reported me for working whilst claiming benefits. She asked me why do I say I'm self-employed on facebook and twitter. Umm . .forgot all about that . .I neglected to alter them. I have an account on twitter, but haven't used it for months. It looks like it was someone on facebook who's reported me. I get into arguments about politics on there, including the disgraceful inequality in modern western societies. Couple of people pestering me about what work I do and that I must be on benefits. They might well have said this before I went on benefits -- I can't remember. So I suspect it's some stranger on facebook that's reported me.

 

The bank statement I had wasn't sufficient apparently. I have to send further bank statements off in an envelope. Hopefully everything should be ok.

 

So, in a nutshell, someone on facebook doesn't like my political views, suspected that I was on benefits as I didn't tell him what I do for a living, and has used the info on my facebook profile to report me.

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I telephoned yesterday my bank for 2 bank statements, and the lady said they would be sent out. No mention of a charge. Anyway, I thought I'd make sure they will definitely be sent out by messaging them on their site today. Just got a reply saying they'll deduct £10 for the 2 statements and if I respond agreeing, they'll send them out.

 

Ok, so this is confusing. Do banks charge for old bank statements, or don't they? The compliance officer said they won't charge me, but I expressed my scepticism towards her. As I thought, she was talking bollox.

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