Jump to content


  • Tweets

  • Posts

    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

IDEM Claim Form - My MBNA Credit Card Debt


blondiegirl
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1633 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

I had an agreement with MBNA where they would hold all interest, as long as I paid the debt off within 10 years.

 

The amount owing was divided up in 120 months (10 years).

 

However, in the mean time, they have decided to sell the debt,

at the same time as our financial situation has changed.

 

The monthly payments are now less.

 

They write to inform me that I am in arrears. The DCA have said the following, is this right does anyone know??

 

The payment was set by MBNA, based upon, I assume a previous Income and Expenditure form

 

at the point of being 'charged off' which means no further interest is applied to your account but it does mean that this is your 'normal monthly payment'.

 

This can not be amended now as it was sold on this way. It is also less than the 5% normally applied to credit card accounts.

 

And so, we are happy to accept your offer of payment but as it is does not meet your contractual payment the arrears will continue to accrue.

 

We have a legal obligation to reflect accurate data to the Credit Reference Agencies, which also includes arrangements,

 

missed payments and arrears and so your data entry at the credit reference agency will be updated with this information.

- BlondieGirl

Link to post
Share on other sites

Sorry, I dont quite understand the situation.

 

You had an agreement with MBNA where all interest and charges ceased - they divided the balance into 120 months which was your new monthly payment.

 

When the account was assigned the new owner was obliged to maintain this agreement with you.

 

Did you then reduce your payments, which would then extend the debt over a longer period ?

 

If you didnt then what the new owner is saying is wrong. If you did reduce the monthly payment, then sadly, they are correct.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

In the process of MBNA selling my debt which I didn't know they would do (I thought we had this 10 year agreement)

my annual review was done which brought my payments down.

 

Idem have agreed for me to pay this reduced amount by they're saying that my a/c will always be in arrears!

 

This doesn't seem fair - I didn't agree anything with them.

- BlondieGirl

Link to post
Share on other sites

Was the agreement made with MBNA prior to the sale to idem? If so, then Idem cannot change the agreement. Was this in writing with MBNA.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

It was done over the phone with MBNA some years ago.

I don't remember whether it was ever confirmed by them in writing.

 

I remember talking to a lady who said that they would need more than the amount suggested by the CCCS.

 

She said that they would only agree amounts that would pay off a debt in 10 years.

 

we've struggled to find an extra £100 a month to keep to their agreement.

 

Don't know why I bother, they sold the debt after a bit anyway!

- BlondieGirl

Link to post
Share on other sites

MBNA are exiting the UK Credit card market so are busily selling off delinquent accounts in order to present a clean book to sell to another company.

 

TBH, I am not sure what your options are. I agree, it is grossly unfair. I will flag your thread to see if anyone else can advise.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I am sure it's in the small print that they can sell their debts when they see fit.

 

I wish I'd never bothered to agree to increasing payments to them

 

- this has not helped us financially at all!!

 

I'm hoping that there's no credit agreement etc etc, and it's an unenforceable debt! I hope!

- BlondieGirl

Link to post
Share on other sites

the debt being un-en wont really help you.

 

you cant really expect a judge to agree you never had any account with MBNA after all this time and payment.

 

i honestly cant see WHY you are paying such large figures to these people

 

it is NOT a priority debt

 

MBNA sold it on for a reason

 

i bet there are heeps of PENALTY charges & PPI to reclaim

 

thats why they sold it.

 

get an SAR off to MBNA

 

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... 

Link to post
Share on other sites

Hi again,

 

I'm not really sure what I'm doing!!

 

I don't have any 'priority' debts (up to date with mortgage etc).

 

I am 'happy' requesting an SAR and no doubt finding that there are loads of fees across all 7 accounts that I can try and get removed, I think.

 

This should reduce the overall amount by a bit.

 

I'm not sure what other options I have then,

 

I hoped to try and get some of the debts removed somehow if they'd been set up incorrectly.

 

To pay off £40k will take us years and unless I start to play,

and win, the lottery, I don't know how to get rid of them :-(

 

only ever had 1 possible PPI with original Halifax mortgage 10 years ago

 

which I will investigate.

 

Also, we're only paying about £200 a month.

- BlondieGirl

Link to post
Share on other sites

it matters not if you 'dont' have any priority debts...

 

but you do

 

rent/mortgage electric/gas they come first

 

you mention above your mortgage is only getting £100, what about the rest [i assume you should be paying more?]

 

thats your No.1. priority, if arrears or management fees are being added [yes you can reclaim those too!]

or you are paying less than the org agreement, it will affect you are longer than your many nonpriority debts.

 

drop them right down, get reclaiming, get those cca's off to the debts that dont show on your CRA file or that are OWNED by DCA's.

if they don't reply after 12+2 working days

stop paying them

 

it migth be an idea to list your debts here

 

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... 

Link to post
Share on other sites

Sorry I've not written that very well - I was doing it on my phone!

 

Our mortgage is fine,

never missed a payment and gas/electricity/water etc etc are fine too.

We're OK paying those.

But, we can only afford £200 a month towards the CC debts

which will take God knows how long to pay off which means we can never consider moving, holiday etc etc.

 

However, I will CCA the DCAs, and SAR them too (do I do all of them??)

to see how much was added in terms of their fees.

 

 

All the debts are showing on my CRA, and only 3 are with the original CCC.

All the others show as with a DCA.

 

Hope this makes sense!!!!!!!

- BlondieGirl

Link to post
Share on other sites

yes it does..

 

CCA dca's

SAR OC's

 

time list your debts please

and what is outstanding

 

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... 

Link to post
Share on other sites

  • 4 weeks later...

You would be far better using letters rather than e-mails they rarely get to anyone with authority to make decisions.

Put in writting no telephone contact you will deal with them only inwritting.

Address the letter to the Compliance Manager and send recorded delivery.

Different companies.

 

Use post not emails.

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:

Link to post
Share on other sites

Hi, noted, and will do. I know post is better, but emial is far more convenient. Just odd that their return addresses are the same and the paperwork, words are identical (except the name) unless it's handled by a mailing firm. Don't know why I hadn't thought to write - not that I expect a reply!

- BlondieGirl

Link to post
Share on other sites

According to the OFT:

 

Application / Licence Details

Licence Number:

0141050

Licence Status:

Current

Current Applicant / Licensee:

Business Name Company Registration Number

Moorcroft Debt Recovery Limited 1703704

Categories:

Consumer credit

Debt collecting

Right To Canvass Off Trade Premises:

No

Trading Name(s) (Current):

Mdr

Issued Date:

05-Aug-1983

Date Maintenance Payment Due:

13-Jan-2014

Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

Name Position

Amanda Jane Martin-McRoberts

Andrew James McRoberts

Neil George McRoberts

Rodney Neil McRoberts

Historic Individuals that run the organisation:

Name Position

Mr Andrew James McRoberts OFFICER

Mr Dennis John Winn OFFICER

Mr Henk Johannes Van Eck OFFICER

Mr Neil George McRoberts OFFICER

Mr Ronald Austin Shuck OFFICER

Mr Roy Gilbert Lancelot OFFICER

Nature of Business:

Debt Collection

Other

Current Address(es):

Address Type Address

Principal Place Of Business Moorcroft House , 2, Spring Gardens, STOCKPORT, Cheshire, SK1 4AA, UK

Registered Office Moorcroft House , 2, Spring Gardens, STOCKPORT, Cheshire, SK1 4AA, United Kingdom

Historic Address(es):

Address Type Address

Principal Place Of Business Hilton House, Lord Street, Stockport, SK1 3NE

Principal Place Of Business Moorcroft House 2, Spring Gardens, Stockport, SK1 4AJ

Registered Office Moocroft House 2, Spring Gardens, Stockport, SK1 4AJ

Registered Office Moorcroft House 2, Spring Gardens, Stockport, SK1 4AJ

 

 

It only mentions MDR not Idem.

 

As the Brigader says - use real post - recorded for the special stuff.

Link to post
Share on other sites

what does your cra file say now too please

 

last time you posted a thread on this you were going to get it compare your debts against 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... 

Link to post
Share on other sites

  • 1 year later...

Letter sent to Moorgate (previous MBNA credit card) requesting CCA.

 

Moorgate (MBNA) - £4,700

 

CCA sent to Idem Servicing. I shall await their response.

 

MBNAlink3.gif sold to Idem Servicing September 2012 £2,601

MBNA sold to Idem Servicing Sept 2012 £1,600

- BlondieGirl

Link to post
Share on other sites

Welcome to CAG

 

Have you checked your credit file recently if not it will pay you to do so soon, then see if the debts are there.

 

Try Noddle they are free to use see here

 

https://www.noddle.co.uk/

 

Then come back and update your threads please more information means better advice for you ok.

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

Idem no. 1 (bought from MBNA Sept 2012).

 

I pay £17 a month, have paid off £2,4k from original debt.

 

Initial credit card opened April 2005. Account status 'deliquant'. Reported as AR/DM.

 

Idem no. 2 (bought from MBNA Sept 2012). I pay £14 a month, owe £1,5k from original debt. Initial credit card opened October 1997. Reported as AR/DM.

 

How can these account not be defaulted????

I wonder why MBNA don't appear to default.

If I continue to pay this each month,

they will report me as AR/DM probably until I'm retired!!!

 

From a mistake made in my 20's. I have not sent SAR at this stage.

 

MBNAlink3.gif sold to Idem Servicing September 2012 £2,601

MBNA sold to Idem Servicing Sept 2012 £1,600

 

Original debt with MBNA, a/c opened July 2000. Not defaulted,

states to report until a/c closed.

Payment of £41 paid each month over the last 6 years. £5,9k paid off so far.

 

States that Moorgate is the lender. Deliquent a/c. payments made through the CCCS.

 

Moorgate (MBNA) - £4,700

 

Idem letter received and signed-for on the 26th September! Interestingly, a letter to another DCA (Moorgate/MBNA) was signed-for by the same person, at the same time so the 2 companies are at the same place.

 

Letter to Moorgate received and signed-for on the 26th September! Signed-for by the same person who took delivery of a letter to another DCA (Idem/MBNA) so the 2 DCAs are at the same place.

- BlondieGirl

Link to post
Share on other sites

  • 3 weeks later...
Idem letter received and signed-for on the 26th September! Interestingly, a letter to another DCA (Moorgate/MBNA) was signed-for by the same person, at the same time so the 2 companies are at the same place.

 

 

Same "group."

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:

Link to post
Share on other sites

Do I just stop and see what happens? Will this affect me trying to get AP markers removed by MBNA?

Yes and No.

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:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...