The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

If it was a PDL it would be very different. A credit card is a revolving credit facility whilst a PDL is a lump sum, short-term loan. PDLs wouldn't really be UE in the same sense as a card or standard loan, having said that, they don't seem to go legal very often, one wonders why...

Thanks Flower

This is why I thought it would be useful for Niddy to have a look and see what he thought of the agreement.

If he can find something that we can use to challenge these agreements I'm hoping that the PDL industry could be blown out the water until they get their acts together.

[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 - Defaulted but no DN received
  
  
• Account owner - ArcEurope
  

Key:
Blue - Communication Sent
Red - Communication Received

17/7/2012 - Letter received from ArcEurope Limited threatening pay up in 10 days or we will take you to court.
25/7/2012 - Email from ArcEurope stating that the account has been transferred to them for collection
4/8/2012 - LBA from Trevor Munn Solicitors giving me 10 days to pay up or they will make an application for CCJ
7/8/2012 - Response back to ArcEurope & Trevor Munn disputing account
7/8/2012 - CCA Request to ArcEurope
9/8/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
24/10/2012 - Letter from ArcEurope, Statement of payments, and Credit Agreement
29/10/2012 - Response back to ArcEurope that account still in dispute
30/10/2012 - CCA sent to Niddy for review

Just sent the CCA for this account to Niddy to get his views on it. Agreement to my laymans eyes seems a bit different to a standard credit card agreement, so I'm hoping that some expert eyes will see serious flaws in how its been put together.

[ken100464]

Re: The SaltnVinegar UE Diary

Think its a method of getting the unwary to forget the rules and reach for the phone in a moment of panic that you have a deadline to meet.

Which of course any normal rational human being would realise you would not meet.

They are having to be much more clever now they know we can request contact only by letter and hence a full audit trail.

We had Apex write a good one where the complaint was about phone harrasment and us wanting it all in writing.

At the bottom of the letter saying they would stop phoning they put something along the lines phone us in order to set up a repayment shedule.

All nice and fluffy to the unwary but just a method to get you back onto the phone threat cycle.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well bit of a letter frenzy today - several letters sent off

What I like is the ridiculously short timeframes that these companies demand you contact them in (e.g. 7 days) which is totally insufficient when taking into consideration postage times etc.

I spoke to a solicitor a couple of weeks ago and they are now recommending to clients in disputes to allow 21 days when requesting a response as a couple of recent court cases had ruled that 14 days had been insufficient time.

Not sure how relevant that is to consumer credit disputes but does give food for thought.......

[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 - Defaulted but no DN received
  
  
• Account owner - Waiting on DCA

Key:
Blue - Communication Sent
Red - Communication Received

17/7/2012 - Letter received from ArcEurope Limited threatening pay up in 10 days or we will take you to court.
25/7/2012 - Email from ArcEurope stating that the account has been transferred to them for collection
4/8/2012 - LBA from Trevor Munn Solicitors giving me 10 days to pay up or they will make an application for CCJ
7/8/2012 - Response back to ArcEurope & Trevor Munn disputing account
7/8/2012 - CCA Request to ArcEurope
9/8/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
24/10/2012 - Letter from ArcEurope, Statement of payments, and Credit Agreement
29/10/2012 - Response back to ArcEurope that account still in dispute

Letter back to Arc Europe today stating that the account is still in dispute and they have done nothing to address the points of my complaint from August.

[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 - Wescot

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

Just sent the telephone harassment at work letter today, just to put the back in their place a little more!

[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 - Nationwide (Blackhorse inhouse DCA?)

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

CCA request sent to Wescot today. That should give the something to think about for a little while!

[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
  
  
• Account owner - RMA Regain

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

2 pronged attack today, reminding UCA that I have asked for a payment break and seeking debt advice, and also a CCA request which should keep them busy for a little while

[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 - Wescot

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
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.

Another phone call at work from Crapquest

Sooner they get that letter the better!

[MrsD]

Re: The SaltnVinegar UE Diary

that's my boy!!!

[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 - Wescot

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
25/10/2012 - Introduction letter from Capquest
26/10/2012 - Letter to Capquest - Account Sold While In Dispute

Account sold in dispute letter going to be sent to Capquest tomorrow morning. Already printed out and ready to go.

Let them chew on that

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

send off the sold in dispute Salt n Vinegar

then update this one on a page so that we can see where we are with it, when did you send the CCA?
what did you get back?

Have you still others that you haven't CCAed? It's a big part of your protection ftom a quick trot to court so if I were you I'd get them all off, if you have a letter saying they have no paperwork, get it off to them toutsuite, they will drop you and it will be on to the next crowd of diddie, some of ours are on their 7/8th DCAs

Thanks Mrs D

Theres a few that I haven't CCA's, mainly the Shop Direct as they were post 2007 and the Payday Loans.

Main reason is I have been waiting for them to start the correspondence, and have left sleeping dogs alone!

Best
SnV

[MrsD]

Re: The SaltnVinegar UE Diary

send off the sold in dispute Salt n Vinegar

then update this one on a page so that we can see where we are with it, when did you send the CCA?
what did you get back?

Have you still others that you haven't CCAed? It's a big part of your protection ftom a quick trot to court so if I were you I'd get them all off, if you have a letter saying they have no paperwork, get it off to them toutsuite, they will drop you and it will be on to the next crowd of diddie, some of ours are on their 7/8th DCAs

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Letter from Arc Europe received today. Enclosed the following:

List of payments they claim I have made
Copies of credit agreements

Looking through the list of payments they claim to have have received they are a huge mess, and only one of the disputed payments I have made appears on the statement.

• Therefore the balance is still incorrect.
• I still have yet to receive a default notice either.
• Credit Agreement will be scanned and sent to Niddy asap.

So onto the interesting bit and I'd really like some feedback on this as I think its crucial and could also close Quickquid down..........

The "Lender" on the credit agreement is given as:

CashEuroNet UK LLC
Company House Registration Number: FC027527

Looking on companies house website this company was converted/closed on 18/5/2010 and has not submitted any accounts since 2008.

However their CCL is still "Current"

So my question is can they legally supply loans if their CCL is registered to a company that has not filed accounts in 4 years and has a status of converted/closed?

Should this go to court I am wondering if this could be part of my defense?

I'm wondering what should be my next response?

Best
SnV

Anyone have any thoughts on this one?

I'm just thinking standard account in dispute letter?

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Crapquest probably have no idea about the lack of agreement so they'd need to be told ---> Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

No neither did Albion or Wescot.

I'm not sure what they're trying to achieve by doing the DCA merry-go-round when they have already written stating that they can't find the agreement as it makes them even more impotent than they already are