The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

good plan S&V just a wee last chance mailshot

Oh for sure - the DCA's always ramp things up before Xmas because they think they may have a sniff at any 'spare' cash. Its really cynical and obvious to anyone thats been in the 'threat-o-gram' cycle for a few years and should be stopped.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Kays (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - £376
  
  
• 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 Feb 2011.
  
  
• Account owner - Capquest

Key:
Blue - Communication Sent
Red - Communication Received

21/7/2012 - Letter received from Capquest, threatening litigation, but also making a 25% payment offer
31/8/2012 - Letter received from Capquest, Account On Hold for 30 Days
17/4/2013 - Letter before Action from Capquest
17/4/2013 - LBA response and 2nd CCA request sent to Capquest
1/5/2013 - Letter from Capquest offering me a 'one time solution' to settle the account
4/5/2013 - Letter from Capquest. Requested copy agreement from Shop Direct
24/12/2013 - Telephone call from Capquest at work

Its been a while since I've been called from these muppets so obviously with the Christmas timing its deliberately done to harass but got a call from Capquest this morning direct to my work mobile.

Not sure which account they were calling about (I have two so updated the most likely one above) as I didn't give them an opportunity as didn't answer security questions. I have sent them the telephone harassment letter before (but for different account). I think I may have to just send a 'generic' letter covering all accounts

I don't usually lose my temper but as I had literally just switched the phone on and was about to make a call to a work colleague lets just say that I didn't spread the festive cheer and the phone monkey was left in no uncertain terms that they weren't to call again.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Kays (Shop Direct):

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - £376
  
  
• 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 Feb 2011.
  
  
• Account owner - Capquest

Key:
Blue - Communication Sent
Red - Communication Received

21/7/2012 - Letter received from Capquest, threatening litigation, but also making a 25% payment offer
31/8/2012 - Letter received from Capquest, Account On Hold for 30 Days
17/4/2013 - Letter before Action from Capquest
17/4/2013 - LBA response and 2nd CCA request sent to Capquest
1/5/2013 - Letter from Capquest offering me a 'one time solution' to settle the account
4/5/2013 - Letter from Capquest. Requested copy agreement from Shop Direct
24/12/2013 - Telephone call from Capquest at work
30/12/2013 - Letter from Capquest threat to continue calling me
30/12/2013 - Telephone harassment template letter sent with 'Paul special' paragraph included

Well a little bit of Christmas cheer being spread by Capquest - at least I know what account they are calling about

I've sent them one of 'Pauls specials' regards telephone harassment so will see what the next response is........

[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

Another nice Xmas prezzie from Amex - NOA that account has been passed to Firstsource Advantage LLC. Last time I dealt with this lot they were pretty easy to get rid of. Will see how quickly I can get them to ditch the account this time

[Bricktop]

Re: The SaltnVinegar UE Diary

Just popped in to check if you had the same as I did.

Thought so....

[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 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!!
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

Just an update on above - letter sent off to Robbers Way today so will see what they make of that. Suspect they will drop it as quickly as Moorcroft did

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Just popped in to check if you had the same as I did.

Thought so....

LOL - no doubt were on the same print run

[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 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!!
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

Well as suspected RW have put this on hold while the 'carry out investigations'. Will wait and see what the outcome of those investigations are!

[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

Response from 1st Credit that account is on hold while the refer back to BoS. The letter also states:

"We refer you to the legal definition of harassment contained within the Administration of Justice Act 1970. This states that harassment is not applicable if you are "securing the discharge of an obligation due, or believed by him to be due, to himself or to persons for whom he acts, or protecting himself or them from future loss;or the enforcement of any liability by legal process"

So my question would be does the definition of harassment under the Protection from Harassment Act 1997 over-ride that of the Administration of Justice Act 1970:

(1)A person must not pursue a course of conduct—
(a)which amounts to harassment of another, and
(b)which he knows or ought to know amounts to harassment of the other.


(2)For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

ESPECIALLY when considered in context of the judgement handed down under Roberts v Bank of Scotland PLC (Rev1) [2013] EWCA Civ 882 which states:

37. The existence of a debt, however, does not give the creditor the right to bombard the debtor with endless and repeated telephone calls. The debtor is fully entitled to say that he or she does not wish to talk to the creditor. In those circumstances, the creditor is thrown back upon his formal legal remedies. That is what the courts are there to provide. They are there to ensure that creditors do not resort to the remedy of self help.

38. In the present case, the claimant made it abundantly plain that she did not wish to receive telephone calls from the bank. She was perfectly entitled to adopt this position. Once the bank had tried to telephone the claimant a few times and had received the same response on each occasion, it was obvious that telephoning the claimant would achieve nothing. Thereafter, there was no possible justification for continuing to ring the claimant up.

I am considering pointing this out to 1st Credit as the letter states that they will still continue to contact me............

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Response from 1st Credit that account is on hold while the refer back to BoS. The letter also states:

"We refer you to the legal definition of harassment contained within the Administration of Justice Act 1970. This states that harassment is not applicable if you are "securing the discharge of an obligation due, or believed by him to be due, to himself or to persons for whom he acts, or protecting himself or them from future loss;or the enforcement of any liability by legal process"

So my question would be does the definition of harassment under the Protection from Harassment Act 1997 over-ride that of the Administration of Justice Act 1970:

(1)A person must not pursue a course of conduct—
(a)which amounts to harassment of another, and
(b)which he knows or ought to know amounts to harassment of the other.


(2)For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

ESPECIALLY when considered in context of the judgement handed down under Roberts v Bank of Scotland PLC (Rev1) [2013] EWCA Civ 882 which states:

37. The existence of a debt, however, does not give the creditor the right to bombard the debtor with endless and repeated telephone calls. The debtor is fully entitled to say that he or she does not wish to talk to the creditor. In those circumstances, the creditor is thrown back upon his formal legal remedies. That is what the courts are there to provide. They are there to ensure that creditors do not resort to the remedy of self help.

38. In the present case, the claimant made it abundantly plain that she did not wish to receive telephone calls from the bank. She was perfectly entitled to adopt this position. Once the bank had tried to telephone the claimant a few times and had received the same response on each occasion, it was obvious that telephoning the claimant would achieve nothing. Thereafter, there was no possible justification for continuing to ring the claimant up.

I am considering pointing this out to 1st Credit as the letter states that they will still continue to contact me............

Bump

[vint1954]

Re: The SaltnVinegar UE Diary

Yep S&V. Roberts v HSBC is the case to quote. This was only last year and is relevant to Debt Collection. I would point them that way if it were me

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Yep S&V. Roberts v HSBC is the case to quote. This was only last year and is relevant to Debt Collection. I would point them that way if it were me

Thanks Vint.

[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. No CRA record.
  
  
• Account owner - Quickquid
  

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2010 - Payment arrangement offer sent
18/8/2010 - Payment arrangement accepted
8/2/2012 - Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
8/2/2012 - Email to QQ questioning threats as on payment arrangement
8/2/2012 - Email from QQ - Apologizing email sent in error
17/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc
17/2/2012 - Another Email to QQ questioning threats as on payment arrangement
17/2/2012 - Response from QQ that their records indicate payment not made in over 70 days
17/2/2012 - Email to QQ providing evidence payments made (recorded delivery)
17/2/2012 - Response from QQ that their records indicate payment not made since Nov 2011 and its up to me to find where they have gone!
17/2/2012 - Further Email to QQ providing evidence payments made (recorded delivery and cashed Postal Order numbers)
17/2/2012 - Response from QQ that being investigated and will be updated in 3-7 working days
18/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/2/2012 - Another email from QQ saying thankyou for contacting to pay by cheque and enclosing cheque instructions!
24/2/2012 - Another email from QQ refusing continued agreed payments and demanding balance over 12 months
27/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
28/2/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
28/2/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
3/3/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
20/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
23/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
23/6/2012 - Response back to QQ - restating payment plan and requesting they accept it
23/6/2012 - Response from QQ - Collection activity will continue unless acceptable payment arrangement made
23/6/2012 - Further email from QQ offering to accept payments over 9 months
23/6/2012 - Further Response back to QQ - enclosed I/E showing what I can afford and disputing balance due to lost payments
25/6/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
25/6/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
5/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
5/7/2012 - Email from QQ final resolution team - Account will be sold to 3rd party collection agency
6/7/2012 - Another Email from QQ - Account 60 days overdue and threats of DCA's, doorstep collection etc!!
13/7/2012 - Email from QQ notice of deferral to 3rd party debt collectors
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
3/11/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
8/11/2013 - Email from QQ - Account 60 days overdue
12/11/2013 - Email from QQ - Account 60 days overdue
14/11/2013 - Email from QQ - Account 60 days overdue
19/11/2013 - Email from QQ - Account 60 days overdue
21/11/2013 - Email from QQ - Account 60 days overdue
25/11/2013 - Email from QQ - Account 60 days overdue
27/11/2013 - Email from QQ - Account 60 days overdue
3/12/2013 - Email from QQ - Account 60 days overdue
5/12/2013 - Email from QQ - Account 60 days overdue
9/12/2013 - Email from QQ - Account 60 days overdue
13/12/2013 - Email from QQ - Account 60 days overdue
17/12/2013 - Email from QQ - Account 60 days overdue
20/12/2013 - Email from QQ - Account 60 days overdue
24/12/2013 - Email from QQ - Account 60 days overdue
31/12/2013 - Email from QQ - Account 60 days overdue
3/1/2014 - Email from QQ - Account 60 days overdue
6/1/2014 - Email from QQ - Account 60 days overdue
9/1/2014 - Email from QQ - Account 60 days overdue
14/1/2014 - Email from QQ - Account 60 days overdue
17/1/2014 - Email from QQ - Account 60 days overdue
21/1/2014 - Email from QQ - Account 60 days overdue
24/1/2014 - Email from QQ - Account 60 days overdue

Just a quick update on this. Nothing more from Quickquid at the moment other than the standard automated emails that are sent every 3 or 4 days

[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

Firstsource bless their cotton socks have allowed me the opportunity to pay the alleged debt over 15 months. As its been over 12 months since the last one, and by the fact they are a new DCA, I think I'll start the ball rolling again with a new CCA request.

[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

Ok so I look at the letter from Firstsource for the address to send the CCA to and the only postal address given is in Mumbai! I'm not going to be coughing up the postage to send a CCA request to there, and, if I did, I doubt very much they will know what to do with the postal order for £1!

So, intrigued, I made an exception to rule #1 and phoned the number to get a UK postal address, which turns out to be the same as the Amex offices in Brighton!

It looks like this is a department that has been dedicated to Amex. I'd have suspected an in-house team if I weren't aware of Firstsources other guises.

So what to do? I'm tempted to ignore now as its likely that the account will get passed back to Amex and moved onto another DCA at some point.