The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

WOW this one is a bit of a blast from the past - where the hell do Cabot buy this shite from?!

Got a NoA from Cabot today regards this old Cap One account that I am pretty sure is now Statute Barred. The default date that Cabot has registered with the CRA's is Dec 2010, but I have gone back through all my old bank statements from 2009 - Jan 2011, and there are no payments whatsoever.

As the letter was just the standard intro letter I'm going to ignore for now, and I'm certainly not going to let them know its more than likely SB as don't want a speculative court claim issued!

Capital One:

• Type of account - Credit Card
  
  
• Date commenced - November 2002
  
  
• Approx balance - Approx £1500
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - No DN received. Default registered with CRA's Dec 2010
  
  
• Account owner - Cabot

28/5/2016 - Notice of assignment from Cabot Financial

[Still Waving]

Re: The SaltnVinegar UE Diary

Yup its a nervous time and frustrating as there was 18 months of DMP payments that I now regret making, which if I hadn't I now would be past the SB finishing line.


SnV

Ditto. I paid into a DMP for 2 years, as I had thought at the time that it was my best option to keep my head above water. Then I happened upon AAD, and that was a game-changer. Now almost 4 years into UE, and a lot happier.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Yup its a nervous time and frustrating as there was 18 months of DMP payments that I now regret making, which if I hadn't I now would be past the SB finishing line.

Lowell are now my biggest 'creditor' with purchasing all the Shop Direct accounts, but with no CCA's and with the challenge of unlawful charges they seem to have gone quiet (not wanting to wish the evil eye on myself). As has been said the last 12 months can be very much like 'sniper alley' so keeping my head down and not wanting to make myself a target!

Best
SnV

Know what you mean x

Same here, Crap 1 & Lloyds will be gone this year, Barclaycard sorted by FOS, paid Northern Rock in full, (that hurt), only Barclays Bank left. Really was not coping with the worry and sleepless nights, until I came here.

Thanks all!

[Enforcer]

Re: The SaltnVinegar UE Diary

Yes its such a shame!

Like many of my accounts this is now on the last 12 months lap (not that I've informed them of that), so not looking to prod or poke this now and hopefully will see it out.

Same here, Crap 1 & Lloyds will be gone this year, Barclaycard sorted by FOS, paid Northern Rock in full, (that hurt), only Barclays Bank left. Really was not coping with the worry and sleepless nights, until I came here.

Thanks all!

[nanna58]

Re: The SaltnVinegar UE Diary

Know what you mean x

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I am genuinely sorry to hear that S+V

Yes its such a shame!

Like many of my accounts this is now on the last 12 months lap (not that I've informed them of that), so not looking to prod or poke this now and hopefully will see it out.

[Spud]

Re: The SaltnVinegar UE Diary

Another month of non-compliance from Robinson Way/Hoist Portfolio.

Long may it continue!...............

I am genuinely sorry to hear that S+V

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Another month of non-compliance from Robinson Way/Hoist Portfolio.

Long may it continue!...............

Seperate thread for this account is here: http://forums.all-about-debt.co.uk/s...Vinegar-v-MKDP

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 - Do not recognize alleged debt so in dispute
  
  
• Account owner - Robinson Way

Key:
Blue - Communication Sent
Red - Communication Received

10/4/2014 - Text received from MKKR
11/4/2014 - Introduction letter received from MKKR
11/4/2014 - Prove it letter sent
16/5/2014 - Letter from MKKR with supposed account statements (which arrived after letter dated 25/5!)
22/4/2014 - Letter received from MKKR - we want to offer a payment plan blah blah
25/5/2014 - Letter from MKKR that they are unable to comply with my request - liaising with client
3/6/2014 14:15 - Phone call from MKKR
4/6/2014 - CCA request sent
3/6/2014 - Letter from MKDP - unable to resolve my query
11/6/2014 - Letter from MKDP - Reconstituted credit agreement sent
16/7/2014 14:29 - Phone call from Compello
16/7/2014 - 17:52 - Phone call from Compello
23/7/2014 - Final Notice letter from Compello saying that account will be passed to their 'pre-legal' department for review
23/7/2014 - Sent a 'special' letter disputing debt
11/8/2014 09:50 - Phone call on mobile from MKRR (new number)
11/8/2014 - Letter from MKRR stating that due to non payment account will be passed to Keynes Collections for litigation consideration
12/8/2014 - Formal Complaint sent to MKRR
15/8/2014 - Letter from Keynes Collections threatening litigation
15/8/2014 - Formal Complaint sent to Keynes Collections
1/9/2014 - Letter from Keynes Collections currently unable to resolve my query, need to investigate, may need to contact OC etc
26/9/2014 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
17/10/2014 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
5/1/2015 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
26/1/2015 - Final Response letter from MKDP
25/3/2015 - Letter from MKDP that they will resume collection activities
9/5/2015 - Further complaint letter and LBA response sent to MKDP
16/5/2015 - Letter from MKDP referring to 'Final Response' letter sent in January
13/6/2015 - Letter from MKDP stating account has gone to their 'Pre-Legal' department
16/6/2015 - Missing Prescribed Terms Letter sent to MKDP
25/6/2015 - 'Final Response' from MKDP dismissing complaint
8/7/2015 - Letter sent to MKDP advising they have not responded to issues I was complaining about
4/8/2015 08:46 - Phone call to work mobile from MKRR
4/8/2015 14:24 - Text from Keynes asking me to call them
6/8/2015 - Letter from MKDP stating they will continue to contact me to make a payment arrangement
7/8/2015 - Letter sent to MKDP advising they have not responded to issues I was complaining about
24/8/2015 - Letter from MKDP asking for FOS ref number and stating that they have sent me a CCA
5/10/2015 - NoA from Hoist Portfolio Holding 2 Limited
5/10/2015 - Letter from Robinson Way that they are acting as collection agents for Hoist Portfolio
19/10/2015 - Letter from Robinson Way demanding payment plan set up
28/10/2015 11:14 - Phone call from Robinson Way
29/10/2015 - Email from Robinson Way
11/11/2015 - Letter from Robinson Way demanding payment plan
17/11/2015 08:51 - Phone call from Robinson Way
19/11/2015 18:45 - Phone call from Robinson Way
26/11/2015 08:20 - Phone call from Robinson Way
2/12/2015 08:40 - Phone call from Robinson Way
3/12/2015 08:25 - Silent Phone call from Robinson Way
4/12/2015 - Phone call from Robinson Way
7/12/2015 - CCA request sent
14/12/2015 - Letter from Robinson Way - account on hold while agreement requested from O/C
13/1/2016 - Letter from Robinson Way asking for CCA request to be put in writing
13/1/2016 - Letter to Rob Way that they already have received a CCA request in writing
14/3/2016 - Letter from Rob Way - still waiting for response back from OC
21/4/2016 - Letter from Rob Way - still waiting for response back from OC

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Get in touch with Niddy as he has contacts at 1stcredit

I'd reply as suggested saying "I wrote on xxx - refer to it. Copy attached etc"

Really sorry forgot to update this - checked with Niddy and followed advice above - no response received to date........

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

I'd reply as suggested saying "I wrote on xxx - refer to it. Copy attached etc"

[cymruambyth]

Re: The SaltnVinegar UE Diary

Get in touch with Niddy as he has contacts at 1stcredit

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well an interesting one from 1st Credit today. Received a letter with a list of 'transactions' allegedly showing how the debt was derived. Putting aside the fact I don't regognise the payments of how the balance was allegedly derived a couple of things I noticed on this account summary:

Title of the printout was 'Creditsolve - Live Legal Report' and also the header was 'PrintAccountPreSue_<account number>

Now I know that 'Creditsolve' is the name of 1st Credits internal collections system, but should I be concerned about where in the 'process' I may be with them.

They still have not responsed to my letter of over a year ago and provided details of the credit agreement for the overdraft, so I'm tempted to refer them back to that letter and ask them to provide the information asked for.

Thoughts?

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
22/4/2014 - Letter from Lloyds Bank regards complaint and containing copy of complaints process
12/12/2014 - NoA from Lloyds that account has been sold to 1st Credit
12/12/2014 - NoA from 1st Credit that they have bought the account
2/1/2015 - Sent O/D CCA Request to 1st Credit
16/1/2015 - Letter from 1st Credit with 2014 statetment
21/1/2015 - Letter from 1st Credit - appararently I can get a discount on my balance if I call them
21/1/2016 - Letter from 1st Credit showing list of all transactions

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Latest update regards Barclaycard/Hoist/Robinson Way

Letter received saying that are still waiting on a response from Barclaycard.

Good luck with that is all I can say, and hopefully they will get nothing or the load of garbage that I know they have

Seperate thread for this account is here: http://forums.all-about-debt.co.uk/s...Vinegar-v-MKDP

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 - Do not recognize alleged debt so in dispute
  
  
• Account owner - Robinson Way

Key:
Blue - Communication Sent
Red - Communication Received

10/4/2014 - Text received from MKKR
11/4/2014 - Introduction letter received from MKKR
11/4/2014 - Prove it letter sent
16/5/2014 - Letter from MKKR with supposed account statements (which arrived after letter dated 25/5!)
22/4/2014 - Letter received from MKKR - we want to offer a payment plan blah blah
25/5/2014 - Letter from MKKR that they are unable to comply with my request - liaising with client
3/6/2014 14:15 - Phone call from MKKR
4/6/2014 - CCA request sent
3/6/2014 - Letter from MKDP - unable to resolve my query
11/6/2014 - Letter from MKDP - Reconstituted credit agreement sent
16/7/2014 14:29 - Phone call from Compello
16/7/2014 - 17:52 - Phone call from Compello
23/7/2014 - Final Notice letter from Compello saying that account will be passed to their 'pre-legal' department for review
23/7/2014 - Sent a 'special' letter disputing debt
11/8/2014 09:50 - Phone call on mobile from MKRR (new number)
11/8/2014 - Letter from MKRR stating that due to non payment account will be passed to Keynes Collections for litigation consideration
12/8/2014 - Formal Complaint sent to MKRR
15/8/2014 - Letter from Keynes Collections threatening litigation
15/8/2014 - Formal Complaint sent to Keynes Collections
1/9/2014 - Letter from Keynes Collections currently unable to resolve my query, need to investigate, may need to contact OC etc
26/9/2014 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
17/10/2014 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
5/1/2015 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
26/1/2015 - Final Response letter from MKDP
25/3/2015 - Letter from MKDP that they will resume collection activities
9/5/2015 - Further complaint letter and LBA response sent to MKDP
16/5/2015 - Letter from MKDP referring to 'Final Response' letter sent in January
13/6/2015 - Letter from MKDP stating account has gone to their 'Pre-Legal' department
16/6/2015 - Missing Prescribed Terms Letter sent to MKDP
25/6/2015 - 'Final Response' from MKDP dismissing complaint
8/7/2015 - Letter sent to MKDP advising they have not responded to issues I was complaining about
4/8/2015 08:46 - Phone call to work mobile from MKRR
4/8/2015 14:24 - Text from Keynes asking me to call them
6/8/2015 - Letter from MKDP stating they will continue to contact me to make a payment arrangement
7/8/2015 - Letter sent to MKDP advising they have not responded to issues I was complaining about
24/8/2015 - Letter from MKDP asking for FOS ref number and stating that they have sent me a CCA
5/10/2015 - NoA from Hoist Portfolio Holding 2 Limited
5/10/2015 - Letter from Robinson Way that they are acting as collection agents for Hoist Portfolio
19/10/2015 - Letter from Robinson Way demanding payment plan set up
28/10/2015 11:14 - Phone call from Robinson Way
29/10/2015 - Email from Robinson Way
11/11/2015 - Letter from Robinson Way demanding payment plan
17/11/2015 08:51 - Phone call from Robinson Way
19/11/2015 18:45 - Phone call from Robinson Way
26/11/2015 08:20 - Phone call from Robinson Way
2/12/2015 08:40 - Phone call from Robinson Way
3/12/2015 08:25 - Silent Phone call from Robinson Way
4/12/2015 - Phone call from Robinson Way
7/12/2015 - CCA request sent
14/12/2015 - Letter from Robinson Way - account on hold while agreement requested from O/C
13/1/2016 - Letter from Robinson Way asking for CCA request to be put in writing
13/1/2016 - Letter to Rob Way that they already have received a CCA request in writing
14/3/2016 - Letter from Rob Way - still waiting for response back from OC

[marypoppins]

Re: The SaltnVinegar UE Diary

I got the same letter too.... http://forums.all-about-debt.co.uk/s...l=1#post547370

They are having some form of breakdown lol...... what do we do then?

Just sit and wait?

http://forums.all-about-debt.co.uk/s...l=1#post548302

[patchouli]

Re: The SaltnVinegar UE Diary

I got the same letter too.... http://forums.all-about-debt.co.uk/s...l=1#post547370

They are having some form of breakdown lol...... what do we do then?

Just sit and wait?