The SaltnVinegar UE Diary

[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 - Defaulted, but can't remember getting a DN
  
  
• Account owner - Wescot

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

As above - Letter received from Wescot today to inform me that the account is on hold while they investigate the above. Will be interesting to see what T&C's they dig out of the woodwork.........

[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
  
  
• 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

I have the following letter today from HL Solicitors. Considering I have had no communication from their client other than an introduction letter I think the O/D CCA letter to Apex needs to be sent as their client seem to have completely ignored it.

I also have the complaint that the majority of the balance is also made up of charges so I think a charge reclaim should be a line of attack also.

Letter from HL Legal as follows:

Notice of Pending Legal Action

We have been instructed by Apex Credit Management, agents for the above named creditor, in relation to your outstanding account in the sum of £xxx.xx

Unless our client receives payment in full or a valid reason for non payment of the account within the next 7 days then court proceedings may be taken against you without further notice.

Should court proceedings be issued, you may be liable for court fees, solicitors costs, and interest which may make it difficult for you to obtain credit in the future.

If you wish to avoid this course of action from being taken against you then you must telephone our client on 0845 849 8920 and one of their advisors will discuss this matter with you.

Please note we are instructed not to enter into correspondence with you at this stage but refer you to Apex Credit Management. You can contact them by the number stated above or at the address supplied on previous correspondence.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

But when they add charges, it will go back up again

Thanks Vint

Very true - strangely though Lowells have not added any charges of their own - the balance has remained the same since they took on the account.

I am going to challenge the charges that SD applied to the account (makes up over half of the balance) too.

If it comes back not UE my goal is F&F on this account.

I'm following Pauls ethos on his blog with this account so will see how Lowells react.....

SnV

[vint1954]

Re: The SaltnVinegar UE Diary

But when they add charges, it will go back up again

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Littlewoods (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £750
  
  
• Date last full payment - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received
  
  
• Account owner - Lowell

Key:
Blue - Communication Sent
Red - Communication Received

13/8/2012 - Letter received from Lowell asking what they can do to help
21/8/2012 - Payment break letter sent
13/8/2012 - Letter received from Lowell demanding payment in full or £30 a month
3/9/2012 - Letter from Lowell suspending collection
2/11/2012 - Letter from Lowell asking me to contact them to make a payment arrangement
15/11/2012 - Letter from Lowell demanding payment in full
11/12/2012 - Letter from Lowell threatening doorstep collection or possible court action
17/12/2012 - CCA Request sent
17/12/2012 - Made payment to bring balance under £750

Fully appreciated that making this payment has set me back on the SB clock, but for the small amount it cost (under £10), I have brought the balance to under £750 to prevent Lowells from issuing a SD.

I have noticed that Lowells have been issuing a lot of these recently, and have been prepared to follow through with them so its worth the piece of mind.

Will also be disputing the account on the basis of unlawful charges so seperate letter on this will be going off in the next couple of days.

[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 - Defaulted, but can't remember getting a DN
  
  
• Account owner - Wescot

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

As above. Today I sent Wescot letter informing them of missing prescribed terms. That should keep them busy over Christmas!

[vint1954]

Re: The SaltnVinegar UE Diary

Thanks Vint, I completely agree. I don't waste the paper and the postage unless absolutely necessary.

The fact that I have two letters dated exactly the same showing left hand doesn't know what right hand is doing is enough for me at the moment to show they are on the back foot!

I have other accounts that need more attention at the moment

Indeed, and heed Mrs D's warning

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I would be waiting until they respond to your final response letter first. They state collection is on hold

Thanks Vint, I completely agree. I don't waste the paper and the postage unless absolutely necessary.

The fact that I have two letters dated exactly the same showing left hand doesn't know what right hand is doing is enough for me at the moment to show they are on the back foot!

I have other accounts that need more attention at the moment

[vint1954]

Re: The SaltnVinegar UE Diary

2 letters from Capquest both with the same date!

First is letter acknowledging my complaint and informing me the account is on hold.

Second letter, informing me that their client is prepared to offer a significant settlement figure on the debt. I bet they are considering the account is



Usual spiel though - they will not tell me what the 'significant discount' is and that to take advantage of this I have to call them.

In other words they want an opportunity to bully me over the phone, make a card payment, and will then either pursue me for the balance, or sell it to another DCA.

I think I may play with them a little and see if I can get them to put in writing what this 'discount' would be (don't worry at this point I'm not entertaining a payment until they comply with my CCA request)

SnV

I would also be waiting until they respond to your final response letter first. They state collection is on hold

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

S&V just be careful you make no admissions when you are playing!!!

you do no know that no such discount actually exists don't you?

Hi Mrs D

Yes I will - I'll make sure that I put a statement that the correspondence does not constitute acknowledgement of the debt.

Absolutely I know that no discount exists

This is why I'd like to put them under the cosh and get them to put something in writing. If they respond and state that they can only offer a discount by phone then it just adds to evidence of unreasonable behavior.

[MrsD]

Re: The SaltnVinegar UE Diary

S&V just be careful you make no admissions when you are playing!!!

you do no know that no such discount actually exists don't you?

[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
  
  
• Account owner - BLS Collections (In House LTSB DCA)

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

2 letters in same envelope - NoA from Lloyds TSB, and other letter of introduction from Apex Credit Management.

I'll wait until they write to me again, then hit them with the O/D CCA request as their client didn't see fit to respond to it at all!

[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 - Defaulted though no DN received
  
  
• Account owner - Capquest
  

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

2 letters from Capquest both with the same date!

First is letter acknowledging my complaint and informing me the account is on hold.

Second letter, informing me that their client is prepared to offer a significant settlement figure on the debt. I bet they are considering the account is



Usual spiel though - they will not tell me what the 'significant discount' is and that to take advantage of this I have to call them.

In other words they want an opportunity to bully me over the phone, make a card payment, and will then either pursue me for the balance, or sell it to another DCA.

I think I may play with them a little and see if I can get them to put in writing what this 'discount' would be (don't worry at this point I'm not entertaining a payment until they comply with my CCA request)

SnV

[Paul.]

Re: The SaltnVinegar UE Diary

Thanks Paul. Its a charge that was applied on many occasions on all the Shop Direct accounts that I have. If Lowell have actually purchased these debts they may find them not as profitable as they thought

ps liked your latest blog!

Best
SnV

Thank you

Its a three part blog im doing, aimed at trying to get people more clued up about dealing with their creditors.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

No thinking about it. You can argue the charges are unfair there mate.

Thanks Paul. Its a charge that was applied on many occasions on all the Shop Direct accounts that I have. If Lowell have actually purchased these debts they may find them not as profitable as they thought

ps liked your latest blog!

Best
SnV