The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Did you request it telepathically ? You clever lickle tinker xx

That would require someone with mental agility and ability at the end Nanna so no I didn't use the old telepathy this time . Good old snail mail and recorded post for me!

got same letter today

SNAP

Hmmm interesting. I wonder if this is a stalling tactic that they've come up with to try to get round their obligations, hoping that most people won't have sent their CCA request by registered post.

[Spud]

Re: The SaltnVinegar UE Diary

SNAP

I had the same letter today too.......They have been busy

Lets see what 30 days wait brings

[jadex]

Re: The SaltnVinegar UE Diary

Well this is an entertaining update. Had a letter from Rob Way stating that they need my CCA request to be placed in writing, they should have told me this before, they will waive the £1 fee this time, and I need to respond in 30 days if I want to request the information I'm asking for otherwise they'll resume collection activity.

Considering the request WAS put in writing (sent recorded delivery), and they responded to this letter, places the latest letter up there in the halls of incompetence.

Well they're not getting much more out of me. I'll send the final response template, and as they're in default of my request until such time they provide an agreement it can stay that way and let them start legal proceedings on that basis if they're stupid enough!

got same letter today
obviously asked them not in writing cos it was printed by laser printer and I am sure they mean you ought to write it by hand using quill pen and your blood as ink

[nanna58]

Re: The SaltnVinegar UE Diary

Did you request it telepathically ? You clever lickle tinker xx

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well this is an entertaining update. Had a letter from Rob Way stating that they need my CCA request to be placed in writing, they should have told me this before, they will waive the £1 fee this time, and I need to respond in 30 days if I want to request the information I'm asking for otherwise they'll resume collection activity.

Considering the request WAS put in writing (sent recorded delivery), and they responded to this letter, places the latest letter up there in the halls of incompetence.

Well they're not getting much more out of me. I'll send the final response template, and as they're in default of my request until such time they provide an agreement it can stay that way and let them start legal proceedings on that basis if they're stupid enough!

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 - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

Key:
Blue - Communication Sent
Red - Communication Received

............
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

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

HAPPY NEW YEAR EVERYONE!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Long may it last xxxxx

Thanks Nanna - the longer the better

[nanna58]

Re: The SaltnVinegar UE Diary

Long may it last xxxxx

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

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 - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

Key:
Blue - Communication Sent
Red - Communication Received

.....................
7/12/2015 - CCA request sent
14/12/2015 - Letter from Robinson Way - account on hold while agreement requested from O/C

Response from Rob Way - they have requested copy of the agreement from the O/C and account is on hold while they await a response.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

CCA request was sent earlier in the week. Will see what response is received.

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 - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

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

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

It would appear that Rob Way are starting to respond in kind to the static silence they get when calling my work mobile (I have got a call block facility so all their calls are automatically forwarded to my voicemail).

Today have another call from a number of theirs, but this time instead of the automated BS, I just get 2 minutes of silence. Thinking of the company that got fined for doing this, and the fact all these calls are registered and recorded so I can prove they are doing it, Rob Way need to be careful!

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 - No CRA record, do not recognize alleged debt
  
  
• Account owner - Robinson Way

Key:
Blue - Communication Sent
Red - Communication Received

.............
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

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Not much to report the last couple of weeks. I've had some more phonecalls to my work mobile from Robinson Way, but I have their numbers blocked so all they can do is leave voicemails (until they call on a different number, which will get added to the blocked list!).

Other than that all quiet, so long may it continue

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Like a lot of others my BC account was sold to Hoist Portfolio Ltd. The Rob Way collection machine has started turning and had letters, phonecalls and email this week.

Not responding at the moment, but will wait and see how the threats escalate..

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 - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

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

[MustGetStraigh]

Re: The SaltnVinegar UE Diary

I'm in a very similar position - about 3 months ahead of you.
I think if they haven't found your agreements over the last 5 years SnV, they are unlikely to be able to find them now
Fingers - and toes - crossed!

[Oct Revolution]

Re: The SaltnVinegar UE Diary

Good news SnV.

I'm in a similar position to you - in the final year (for most accounts) before they become SB.

All quiet at the moment but as you say there may be a flurry of letters/contact from them as they realise time is running out.

Here's to the last stand!!!