The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Quick Quid:

• Type of account - Payday Loan
  
  
• Date commenced - Late 2009/Early 2010 (not sure exactly)
  
  
• Approx balance - Approx £750
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Default recorded with CRA's but no DN received.
  
  
• Account owner - Quickquid
  

Key:
Blue - Communication Sent
Red - Communication Received

[........cont]
25/4/2014 - Email from QQ - Account sold to BCW/Gothia Group
16/5/2014 - NoA from bcwgroup
20/5/2014 - Email from Gothia with an 'online offer'
23/5/2014 - Email from Gothia with an 'online offer'
27/5/2014 - Email from Gothia with an 'online offer'
29/5/2014 - Email from Gothia with an 'online offer'

Just an update on this - had a few emails from Gothia on a special 'online offer'. Had a little look and it was nothing more than an information fishing exercise (as had to put in a LOT of personal information), so not that stupid.

I also had a NoA - I'm going to wait until the first serious letter than send an account in dispute letter, by the fact that QQ have done nothing to address my complaint from more than a year ago. Looking forward to some fun with this lot!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

American Express:

• Type of account - Credit Card
  
  
• Date commenced - Not sure approx Sept 2007
  
  
• Approx balance - Approx £2900
  
  
• Date last full payment - March/April 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received but no default registered with CRA (just showing 6 months late payment markers)
  

• Account owner - Firstsource Advantage on behalf of Amex

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2012 - Letter from RMA offering their 'free' debt management services though I have to phone them
21/8/2012 - Payment break letter sent
7/9/2012 - Letter from RMA that account may be passed to 'normal collections'
6/10/2012 - Letter from RMA stating my account will be passed to mainstream collections
11/10/2012 - Letter from Amex stating my account is being passed to an external DCA (UCA)
16/10/2012 - Letter from UCA
18/10/2012 09:54 - Telephone call from UCA
29/10/2012 - Payment break letter sent to UCA
29/10/2012 - CCA Request sent to UCA
6/11/2012 - Letter from UCA
11/12/2012 - CCA response from Amex. Will send to Niddy over the next couple of days to see if its UE or not
6/11/2013 - Letter from Amex that account has been referred to Moorcroft for collection
6/11/2013 - Letter from Moorcroft - account transferred to them cough up in 7 days
11/11/2013 - Phone call from Moorcroft - VM message left
14/11/2013 - Phone call from Moorcroft at 19:48 - VM message left
15/11/2013 - Phone call from Moorcroft at 14:26 - VM message left
30/12/2013 - NOA from Amex - account now with Firstsource Advantage LLC
13/1/2014 - Introduction letter from Firstsource Advantage
30/1/2014 - Offer letter from Firstsource
28/3/2014 - Another offer letter from Firstsource (25% discount payable over 12 months)
29/4/2014 - Letter from Firstsource offering a F&F discount if I call them
23/5/2014 - Final Demand from Firstsource

Final demand from Firstsource stating that they will return the account to the OC if they do not have a response from me, and that they will inform the OC that they have been unable to reach a resolution. Well as I am not going to write to an address in Mumbai then they will just have to do that won't they?!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

American Express:

• Type of account - Credit Card
  
  
• Date commenced - Not sure approx Sept 2007
  
  
• Approx balance - Approx £2900
  
  
• Date last full payment - March/April 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received but no default registered with CRA (just showing 6 months late payment markers)
  

• Account owner - Firstsource Advantage on behalf of Amex

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2012 - Letter from RMA offering their 'free' debt management services though I have to phone them
21/8/2012 - Payment break letter sent
7/9/2012 - Letter from RMA that account may be passed to 'normal collections'
6/10/2012 - Letter from RMA stating my account will be passed to mainstream collections
11/10/2012 - Letter from Amex stating my account is being passed to an external DCA (UCA)
16/10/2012 - Letter from UCA
18/10/2012 09:54 - Telephone call from UCA
29/10/2012 - Payment break letter sent to UCA
29/10/2012 - CCA Request sent to UCA
6/11/2012 - Letter from UCA
11/12/2012 - CCA response from Amex. Will send to Niddy over the next couple of days to see if its UE or not
6/11/2013 - Letter from Amex that account has been referred to Moorcroft for collection
6/11/2013 - Letter from Moorcroft - account transferred to them cough up in 7 days
11/11/2013 - Phone call from Moorcroft - VM message left
14/11/2013 - Phone call from Moorcroft at 19:48 - VM message left
15/11/2013 - Phone call from Moorcroft at 14:26 - VM message left
30/12/2013 - NOA from Amex - account now with Firstsource Advantage LLC
13/1/2014 - Introduction letter from Firstsource Advantage
30/1/2014 - Offer letter from Firstsource
28/3/2014 - Another offer letter from Firstsource (25% discount payable over 12 months)
29/4/2014 - Letter from Firstsource offering a F&F discount if I call them

Looks like I'm going to get a monthly letter off Firstsource then! I'm still not tempted by their F&F offer if I call them. They can provide a postal address that is not in India first!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Quick Quid:

• Type of account - Payday Loan
  
  
• Date commenced - Late 2009/Early 2010 (not sure exactly)
  
  
• Approx balance - Approx £750
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Default recorded with CRA's but no DN received.
  
  
• Account owner - Quickquid
  

Key:
Blue - Communication Sent
Red - Communication Received

25/4/2014 - Email from QQ - Account sold to BCW/Gothia Group

Well after a year of having an email from QQ approx every 3 days today I get an email stating that they have sold the account (and all legal rights and duties), to BCW (Gothia). So I expect I will get a nice letter from Buchanan Clark and Wells, Mercers, or Red in the near future. Looking forward to taking them to task on this one as QQ have done pretty much everything incorrectly (including the NoA)!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Sounds promising.

Thanks SW. It was promising when all BH could provide was an application form with no prescribed terms. They've gone and flogged it off to Cabot who are now having difficulty in even providing that, so I expect it'll do the DCA merry-go-round for a while yet

[Still Waving]

Re: The SaltnVinegar UE Diary

Sounds promising.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Black Horse:

• Type of account - Personal Loan
  
  
• Date commenced - Pre April 2007
  
  
• Approx balance - Approx £1200
  
  
• Date last full payment - Feb/March 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Can't remember getting a DN. No default registered with CRA's (showing 6 months late payment markers).
  
  
• Account owner - Cabot

Blue - Communication Sent
Red - Communication Received

10/8/2012 - Notice of arrears received
20/8/2012 - Letter from Nationwide Collection Services Limited stating that I am overdue a payment on my payment arrangement
21/8/2012 - Payment break letter sent
29/8/2012 - Letter from Black Horse stating that they will reduce interest on agreement to 0%
3/9/2012 - Letter from Wescot introducing themselves
14/9/2012 - Letter from Wescot with I/E form asking me to complete to allow them to assess my ability to pay the debt
6/10/2012 - Letter from Wescot that they have established I live at my address and they may take further collection activity
24/10/2012 - Letter from Nelson Guest & Partners Solicitors
29/10/2012 - CCA Request sent to Wescot
1/12/2012 - CCA response from Wescot
3/12/2012 - CCA sent to Niddy

Word back from Niddy is no prescribed terms so currently:



19/12/2012 - Missing Prescribed Terms letter sent to Wescot
5/1/2013 - Letter from Wescot - Account is on hold
14/2/2013 - Letter from Nelson Guest & Partners Solicitors
22/2/2013 - Letter from Black Horse stating account has now been passed to Mackenzie Hall
21/3/2013 - Letter before action from Mackenzie Hall
21/3/2013 - Double whammy to MH - Missing Prescribed Terms and Sold In Dispute
30/3/2013 - Letter from Mackenzie Hall - account on hold
5/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page Wescot sent back in December '12)
8/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page Wescot sent back in December '12)
15/4/2013 - Missing Prescribed Terms letter sent to Mackenzie Hall
19/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page they sent twice earlier this month)
25/4/2013 - Letter from Mackenzie Hall - account on hold for 40 days
10/5/2013 - Letter from Mackenzie Hall (I assume), containing exactly the same as had been sent before but this time with a statement of account
5/8/2013 - NoA from Black Horse that account has been sold to Cabot
5/8/2013 - Introductory letter from Cabot (in same letter as NoA letter!)
5/8/2013 - Account Sold In Dispute sent to Cabot
5/10/2013 - Letter from Cabot - threat-o-gram
24/2/2014 - Threat-o-gram from Cabot
24/2/2014 - Account Sold In Dispute sent to Cabot
17/4/2014 - Letter from Cabot confirming that they cannot find agreement and account is UE

So letter from Cabot arrives today. They admit they cannot provide an agreement therefore account is currently UE and on hold until they can obtain the information from the O.C.

They recommend however that I contact them asap to set up a payment arrangement.

Hmmmmm I think I will be ignoring that recommendation!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Barclaycard:

• Type of account - Credit Card
  
  
• Date commenced - Unknown
  
  
• Approx balance - £2500 (allegedly)
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Neither
  
  
• Status - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

Key:
Blue - Communication Sent
Red - Communication Received

10/4/2014 - Text received from MKKR
11/4/2014 - Introduction letter received from MKKR

Well I now know what the text from MKKR was regarding. They have sent me a threat-o-gram relating to a Barclaycard account. Now I do not ever recall having a Barclaycard so first response is going to be the 'Prove It' letter.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hmmm text from MKRR on my work mobile today. So one of the scumbags who stated that they had "removed my phone number from their systems" (and no doubt I'll find out which when the first letter hits the doormat) has passed this number on to MKRR.

Not bothering me as I can block numbers on my phone so MKRR now join the bar stewards list!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

American Express:

• Type of account - Credit Card
  
  
• Date commenced - Not sure approx Sept 2007
  
  
• Approx balance - Approx £2900
  
  
• Date last full payment - March/April 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received but no default registered with CRA (just showing 6 months late payment markers)
  

• Account owner - Firstsource Advantage on behalf of Amex

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2012 - Letter from RMA offering their 'free' debt management services though I have to phone them
21/8/2012 - Payment break letter sent
7/9/2012 - Letter from RMA that account may be passed to 'normal collections'
6/10/2012 - Letter from RMA stating my account will be passed to mainstream collections
11/10/2012 - Letter from Amex stating my account is being passed to an external DCA (UCA)
16/10/2012 - Letter from UCA
18/10/2012 09:54 - Telephone call from UCA
29/10/2012 - Payment break letter sent to UCA
29/10/2012 - CCA Request sent to UCA
6/11/2012 - Letter from UCA
11/12/2012 - CCA response from Amex. Will send to Niddy over the next couple of days to see if its UE or not
6/11/2013 - Letter from Amex that account has been referred to Moorcroft for collection
6/11/2013 - Letter from Moorcroft - account transferred to them cough up in 7 days
11/11/2013 - Phone call from Moorcroft - VM message left
14/11/2013 - Phone call from Moorcroft at 19:48 - VM message left
15/11/2013 - Phone call from Moorcroft at 14:26 - VM message left
30/12/2013 - NOA from Amex - account now with Firstsource Advantage LLC
13/1/2014 - Introduction letter from Firstsource Advantage
30/1/2014 - Offer letter from Firstsource
28/3/2014 - Another offer letter from Firstsource (25% discount payable over 12 months)

Another offer from Firstsource. I'm not sure how they expect me to respond to this in writing as the postal address they provide is in India! The fact they almost force people to phone I do wonder would make them fall foul of the disabilities act as those with a hearing impairment would not be able to communicate with them, and they give no alternative.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Lloyds TSB:

• Type of account - Current Account/Overdraft
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £800
  
  
• Date last full payment - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received. Default registered with CRA June 2011 but no shows as no entries made since June 2013??
  
  
• Account owner - Collection with Robinson Way (still owned by Lloyds TSB)
  

Key:
Blue - Communication Sent
Red - Communication Received

26/7/2012 - Letter received from BLS Collections. One liner stating that I must contact them TODAY

1/8/2012 - Letter received from BLS Collections. I appear to be in arrears on my payment arrangement. Unless I bring my arrangement back on track within 10 days they may take further action to collect the full balance.

7/8/2012 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information

16/8/2012 - Letter received from BLS stating that while they control account no interest will be accruing
16/8/2012 - Letter received from BLS stating that if I wish to make a payment then could I please contact them by phone
24/8/2012 - Letter received from BLS Collections. One liner stating that I must contact them TODAY
17/10/2012 - Notice from Lloyds TSB that account has transferred to Apex Credit Management Limited for collection
17/10/2012 - Introduction letter from Apex Credit Management
3/1/2013 - Letter from HL Solicitors threatening legal action
28/1/2013 - Letter from Apex Credit Management
4/2/2013 - Home Visit Appointment letter from Apex Credit Management
4/2/2013 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information combined with doorstep letter template
8/2/2013 - Letter from Apex Credit Management asking for £1 fee for CCA request
9/2/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letter they sent 3/1/2013 word for word!!
12/2/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
7/3/2013 - Letter from Apex Credit Management stating that as its a current account no CCA available
11/3/2013 - Notice from Lloyds TSB that account has been transferred to Apex Credit Management Limited for collection
23/3/2013 - Letter from HL Solicitors. It is EXACTLY the same as the letters they sent 3/1/2013 and 9/2/2013 word for word!!
4/4/2013 - Sent letter pointing out that request not made under s77-79 of CCA1974 and to comply with my request
19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
19/4/2013 - Letter from Apex Credit Management stating that account on hold and referred back to client
22/5/2013 - Letter from Lloyds TSB stating account has been transferred to Moorcroft debt recovery for collection
27/5/2013 - Formal complaint made to Moorcroft that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment
6/6/2013 - Letter from Moorcroft giving me 7 days to pay balance or they may have to consider possible further debt recovery action
10/6/2013 - Letter from Moorcroft - account suspended
11/12/2013 - Letter from Lloyds TSB - NOA account sold to Robinson Way
13/12/2013 - Introduction letter from Robinson Way
23/12/2013 - Doorstep Collection Threat from Robinson Way
2/1/2014 - Formal complaint made to Robinson Way that Lloyds TSB have yet to comply with my request and that I consider their actions complicit in a conduct of harassment combined with doorstep harassment template
13/1/2014 - Account On Hold letter from Robinson Way
21/2/2014 - Response from Robinson Way that because account is a current account that CCA does not apply
13/3/2014 - Response from Robinson Way - account is on hold pending investigation

Well Robbers Way win the prize for the most time taken to respond to a letter. They have finally responded to my January complaint and account is on hold....

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Halifax/IF:

• Type of account - Credit Card
  
  
• Date commenced - Years and years ago!
  
  
• Approx balance - Approx £800
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying (already established UE)
  
  
• Status - No DN received. Default issued with CRA May 2012
  
  
• Account owner - 1st Credit
  

Key:
Blue - Communication Sent
Red - Communication Received

2/5/2012 - CCA Request Sent
7/6/2012 - Letter from Halifax/If stating that they cannot find my credit agreement and will not try to enforce the agreement while they try to find it
June 2012 - Numerous letters from Wescot making threats
2/7/2012 - Letter to Wescot - Account Sold While In Dispute
7/10/2012 - Letter from Halifax/If stating account transferred to Capquest
19/10/2012 11:05 - Telephone call from Capquest
25/10/2012 - Introduction letter from Capquest
26/10/2012 - Letter to Capquest - Account Sold While In Dispute
26/10/2012 08:50 - Telephone call from Capquest
29/10/2012 - Letter to Capquest - Telephone harassment at work letter
2/11/2012 - Letter from Capquest asking for £1 for CCA request!
13/11/2012 14:38 - Telephone call from Capquest
17/11/2012 - Threat-O-Gram from Capquest
21/11/2012 - Letter to Capquest - Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)
1/12/2012 - Letter from Howard Cohen Solicitors stating that court action may be taken
10/12/2012 - Another Letter to Capquest - Our Templates | Unenforceability Templates | Final Response - Unenforceability (No CCA Received)
17/12/2012 - Letter from Capquest acknowledging complaint and stating account is on hold
17/12/2012 - Letter from Capquest offering reduced settlement figure
5/1/2013 - Letter from Capquest responding to complaint
23/1/2013 - Letter from IF rejecting complaint
23/2/2013 - Letter from Halifax/IF giving NOA to First Source Solutions
28/2/2013 - Called at work by First Source Solutions
28/3/2013 - Called at work by First Source Solutions
4/4/2013 - Letter to First Source Solutions combining harassment at work template and Final Response - Unenforceability (No CCA Received)
9/4/2013 - Called at work by First Source Solutions
12/4/2013 - Letter from First Source Solutions - account on hold
11/10/2013 - Letter from Halifax/IF rejecting complaint
4/12/2013 - Letter from BoS informing me account has been assigned to 1st Credit
4/12/2013 - Introduction Letter from 1st Credit
5/12/2013 - Text from 1st Credit
5/12/2013 - Phone call from 1st Credit at work
5/12/2013 - Letter to 1st Credit combining harassment at work template and Final Response - Unenforceability (No CCA Received)
6/12/2013 - Phone call from 1st Credit at work
7/12/2013 - Phone call from 1st Credit to work mobile
8/12/2013 - Phone call from 1st Credit to work mobile
9/12/2013 - Phone call from 1st Credit to work mobile
13/12/2013 - Letter from 1st Credit 'County Court Proceedings Being Considered'
13/12/2013 - CCA Request Sent
18/12/2013 - Letter from 1st Credit
24/12/2013 - Letter from 1st Credit (exactly the same as that on the 18/12) - suspect in response to CCA request
17/1/2014 - Response from 1st Credit - Account on hold
30/1/2013 - Complaint sent to 1st Credit regards response
6/2/2014 - Standard complaint response letter from 1st Credit
10/3/2014 - Final response letter from 1st Credit rejecting complaint

Final response received yesterday from 1st Credit. It says that it is not a contradiction to state that they will remove all my phone numbers from their systems, yet reserve the right to telephone me, despite the fact I have asked them not to.

It also says that they adhere to OFT guidelines at all times, although they have done nothing to actually address the evidence I produced to prove they have.

They still, however, have yet to produce a compliant CCA so the account is on hold until such time they do, at which point they will expect payment in full.

Ha! Well as IF couldn't find the agreement 2 years ago it will be interesting to see what they cobble together.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

They have obviously just pressed a button as I have a 6 month review, could it be near to end of financial year?

Oh yes for sure

Looking to close their 2013 books or see what they can sell off to the next punter.

[cymruambyth]

Re: The SaltnVinegar UE Diary

They have obviously just pressed a button as I have a 6 month review, could it be near to end of financial year?

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Black Horse:

• Type of account - Personal Loan
  
  
• Date commenced - Pre April 2007
  
  
• Approx balance - Approx £1200
  
  
• Date last full payment - Feb/March 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Can't remember getting a DN. No default registered with CRA's (showing 6 months late payment markers).
  
  
• Account owner - Cabot

Blue - Communication Sent
Red - Communication Received

10/8/2012 - Notice of arrears received
20/8/2012 - Letter from Nationwide Collection Services Limited stating that I am overdue a payment on my payment arrangement
21/8/2012 - Payment break letter sent
29/8/2012 - Letter from Black Horse stating that they will reduce interest on agreement to 0%
3/9/2012 - Letter from Wescot introducing themselves
14/9/2012 - Letter from Wescot with I/E form asking me to complete to allow them to assess my ability to pay the debt
6/10/2012 - Letter from Wescot that they have established I live at my address and they may take further collection activity
24/10/2012 - Letter from Nelson Guest & Partners Solicitors
29/10/2012 - CCA Request sent to Wescot
1/12/2012 - CCA response from Wescot
3/12/2012 - CCA sent to Niddy

Word back from Niddy is no prescribed terms so currently:



19/12/2012 - Missing Prescribed Terms letter sent to Wescot
5/1/2013 - Letter from Wescot - Account is on hold
14/2/2013 - Letter from Nelson Guest & Partners Solicitors
22/2/2013 - Letter from Black Horse stating account has now been passed to Mackenzie Hall
21/3/2013 - Letter before action from Mackenzie Hall
21/3/2013 - Double whammy to MH - Missing Prescribed Terms and Sold In Dispute
30/3/2013 - Letter from Mackenzie Hall - account on hold
5/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page Wescot sent back in December '12)
8/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page Wescot sent back in December '12)
15/4/2013 - Missing Prescribed Terms letter sent to Mackenzie Hall
19/4/2013 - Letter from Mackenzie Hall containing CCA but no prescribed terms (same single page they sent twice earlier this month)
25/4/2013 - Letter from Mackenzie Hall - account on hold for 40 days
10/5/2013 - Letter from Mackenzie Hall (I assume), containing exactly the same as had been sent before but this time with a statement of account
5/8/2013 - NoA from Black Horse that account has been sold to Cabot
5/8/2013 - Introductory letter from Cabot (in same letter as NoA letter!)
5/8/2013 - Account Sold In Dispute sent to Cabot
5/10/2013 - Letter from Cabot - threat-o-gram
24/2/2014 - Threat-o-gram from Cabot
24/2/2014 - Account Sold In Dispute sent to Cabot

Well nothing from Cabot for a while then get a standard threat-o-gram saying its important I call them blah blah otherwise they will have to consider taking my account to the next stage of collections.

I'm going to send them the SWID letter again, since they ignored it the last time. 1 letter every 6 months is more than helping me get to SB!