The SaltnVinegar UE Diary

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

Is it a certain Rob Rome...?

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Specific one for harassment at work --> Harassment by Telephone at Work - allaboutDEBT UK

Thanks Niddy thats perfik!

As they guy who is calling me is both the registered CEO and holder of the companies CCL I assume its a one man and his dog operation.

Hopefully the letters (plus the fact his client has admitted UE) will throw him right out of his depth.

Best
SnV

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

Not a dicky bird for exactly a month then I get another phone call at work from these chancers. Looks like I will have to waste the cost of postage and send them a telephone harassment letter and No CCA Received letter combined.

Best
SnV

Specific one for harassment at work --> Harassment by Telephone at Work - allaboutDEBT UK

[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 - FirstSource Solutions
  

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

Not a dicky bird for exactly a month then I get another phone call at work from these chancers. Looks like I will have to waste the cost of postage and send them a telephone harassment letter and No CCA Received letter combined.

Best
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Thanks all

I'm going to respond to Apex, not HL, as they still cannot seem to grasp the english language and understand I am not making a s77-79 request but something completely different.

Its entertaining as they are digging a bigger hole by ignoring my request. This will be the last letter I'll be writing to them now other than one liners of 'refer to my previous letter' if they continue to bury their heads in the sand!

Best
SnV

[CAPS ESC]

Re: The SaltnVinegar UE Diary

hi guys
reading this just reminded me of the last apex letter I had in November 2012 giving me 7 days to respond. unfortunately it completely slipped my mind .( I had stopped paying the DMP, not cca'd them yet)
It relates to an old HBOS preference account so it would seem they could be up 2 creeks without any paddles

[Spud]

Re: The SaltnVinegar UE Diary

SnV

I'm sure your not overly worried by the HL Solicitors letters (Letterheads for hire) but just to add some information to ease your mind.....If it did need easing that is ......

I've had 4 letters from them in the past, Prettymuch the same circumstances as with you

Lloyds Tsb overdraft - Apex on the case - Ignored their rubbish template letters and then HL Solicitors letters with the usual reply to Apex not to us

I ignored them completely and never heard a thing. I never acknowledged Apex at all ( Not that I'm reccomending that you do that but thats what I did) and hav'nt heard from either Lloyds or Apex for over 6 months!

Even now that I have stopped making any token payments

So unless these HL letters are threatening anything specific - I'm sure they will be the normal 75p letters that Tech Clerk referred to.

Keep up the good work - Following with interest

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Letters for sale @ 75p per throw, but remember to contact purchaser not H.L?

[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
  
  
• Account owner - Collection with Apex Credit Management (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!!

Hi All

As above, got a letter from HL Solicitors yesterday. Looks like another 'template for sale' letter as it is exactly the same as the previous two they have sent.

I'll still write to Apex telling them they and their client are ignoring what is being requested of them and to address the contents of my previous letters.

Best
SnV

[Spud]

Re: The SaltnVinegar UE Diary

SnV

I love that letter....Is that what we call a one liner???

Do you think we should ask Niddy to add that to the templates?

I had Apex chasing me for a few months, The same old template letter every time!!

"They have carefully researched and believe that I have the ability to repay this debt" or words to that effect - Not had a letter from them yet that does'nt have that wording

Just ignored them and hav'nt heard a thing for around 5 months

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Yep an empty envelope.

Try and work that one out.

The senior letter stuffer monkey must have thrown a wobbly. Now the junior letter stuffer monkey is in charge

Our latest letter just recieved starts "we are seriously miffed you havnt come to an arrangement on the debt just recently assigned to us."

Trouble is they have had the debt for 4 years. We have been paying now stopped so the letter we got is probably his letter.

And our letter you will probably get lol.

Can never say never with a DCA but this one is barking. Beat the client into submission by making them wonder what reality is the real reality. Is the world mad. Or is it me?

Like I said no wonder Cabot took them over.

Like it - I'd love to receive one of those. My return letter would be:

Dear Apex

Thanks you for your envelope dated xx/xx/xxxx. In response to your envelope I'd like to make the points below:






Kind Regards
SnV

[ken100464]

Re: The SaltnVinegar UE Diary

Yep an empty envelope.

Try and work that one out.

The senior letter stuffer monkey must have thrown a wobbly. Now the junior letter stuffer monkey is in charge

Our latest letter just recieved starts "we are seriously miffed you havnt come to an arrangement on the debt just recently assigned to us."

Trouble is they have had the debt for 4 years. We have been paying now stopped so the letter we got is probably his letter.

And our letter you will probably get lol.

Can never say never with a DCA but this one is barking. Beat the client into submission by making them wonder what reality is the real reality. Is the world mad. Or is it me?

Like I said no wonder Cabot took them over.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Its Apex mate.

A totally bizarre DCA. Some of the codswhallop coming out of Stratford beggers belief.

I read where one poor guy just got an envelope. Nothing in it. Bizarre behaviour.

And that was all he got in a year. One envelope no correspondence. Thats really gonna make you cack yourself.

No wonder they got taken over by Cabot but suspect some of the less clever monkeys were kept on.

Hi Ken

Sorry just seen your post! So this guy just got an envelope? You mean an envelope with nothing in it or an envelope in the envelope?!!

Thats definately wierd! I look forward to getting that template letter!

SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

They are the absolute dregs of the DCA sewer. They buy statute barred debts and a lot of other rubbish the rest of them won't touch, and then rely on extremely aggressive telephone bullying to wear people down. If they are lower on the food chain than Wasteclot you know they must be bad!

A match for S 'n' V? Errr.....not quite!

SH

Thank SH.

I'm looking forward to their response. I can't imagine they can be worse then Wescot (who have backed down on every single account they have had with me, or sent it back to their 'client'!).

[ScabHunter]

Re: The SaltnVinegar UE Diary

edit - btw this is the first time I have dealt with these guys though have heard plenty about them!

They are the absolute dregs of the DCA sewer. They buy statute barred debts and a lot of other rubbish the rest of them won't touch, and then rely on extremely aggressive telephone bullying to wear people down. If they are lower on the food chain than Wasteclot you know they must be bad!

A match for S 'n' V? Errr.....not quite!

SH